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Top 10 Writers Of Accident And Health Insurance By Direct Premiums Written, 2024

($000)
Rank Group/company Direct premiums written Market share (1)
1 CVS Health Corp. $56,099,079 22.8%
2 Unitedhealth group 54,998,474 22.4
3 Cigna 29,101,946 11.9
4 MetLife Inc. 10,554,792 4.3
5 Unum Group 7,089,794 2.9
6 Mutual of Omaha 6,174,892 2.5
7 Aflac 5,258,064 2.1
8 Guardian 5,131,653 2.1
9 Sun Life Financial 4,642,861 1.9
10 Hartford Line & Accident Insurance Co. 3,983,368 1.6

(1) Based on U.S. total, excluding territories.

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

Top 10 Writers Of Life Insurance Other Considerations By Direct Premiums Written, 2024

($000)
Rank Group/company Direct premiums written Market share (1)
1 Prudential Financial Inc. $18,020,968 23.2%
2 John Hancock 17,580,623 22.6
3 Transamerica 15,409,943 19.8
4 Standard 6,448,226 8.3
5 Massachusetts Mutual Life Insurance Co. 3,898,747 5.0
6 MetLife Inc. 3,675,874 4.7
7 New York Life Insurance Group 2,883,404 3.7
8 Empower 2,708,285 3.5
9 Securian 2,403,312 3.1
10 Mutual of America Life Insurance Co. 1,826,755 2.4

(1) Based on U.S. total, excluding territories.

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

Top 10 Writers Of Life Insurance Deposit Type Contracts By Direct Premiums Written, 2024

($000)
Rank Group/company Direct premiums written Market share (1)
1 MetLife Inc. $73,527,368 21.5%
2 Equitable Holdings 67,735,402 19.8
3 Western & Southern Financial 26,557,309 7.8
4 Empower 24,622,225 7.2
5 Principal Financial Group Inc. 24,154,411 7.1
6 New York Life Insurance Group 20,749,063 6.1
7 Pacific Life 16,083,935 4.7
8 Athene 13,820,083 4.0
9 Northwestern Mutual 9,103,921 2.7
10 Massachusetts Mutual Life Insurance Co. 6,330,127 1.9

(1) Based on U.S. total, excluding territories.

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

Insurance Carriers And Related Activities Compensation By State, 2022-2023

($000)
  Annual payroll   Annual payroll
State 2022 2023 State 2022 2023
Alabama $3,653,762 $4,031,470 Montana $691,002 $751,900
Alaska 191,565 188,097 Nebraska 2,891,686 3,041,353
Arizona 7,650,359 8,048,860 Nevada 2,017,688 2,267,370
Arkansas 1,678,545 1,837,262 New Hampshire 1,685,225 1,750,483
California 32,356,464 32,060,855 New Jersey 14,401,592 15,212,485
Colorado 6,138,052 6,527,634 New Mexico 991,734 1,037,512
Connecticut 10,331,075 10,641,959 New York 24,492,943 25,041,770
Delaware 805,901 870,651 North Carolina 9,657,328 10,790,757
District of Columbia 932,807 797,737 North Dakota 687,766 742,259
Florida 25,373,351 28,007,756 Ohio 13,900,648 14,619,423
Georgia 12,501,189 13,622,358 Oklahoma 2,172,469 2,346,250
Hawaii 797,688 830,682 Oregon 3,129,119 3,305,653
Idaho 1,285,531 1,377,701 Pennsylvania 16,336,189 17,569,553
Illinois 18,441,679 19,163,333 Rhode Island 1,452,923 1,530,548
Indiana 5,766,122 6,243,625 South Carolina 3,880,793 4,459,936
Iowa 5,977,749 6,289,414 South Dakota 750,159 792,755
Kansas 3,167,401 3,333,911 Tennessee 6,628,358 7,358,544
Kentucky 3,917,319 4,165,957 Texas 30,002,951 32,332,369
Louisiana 2,788,710 3,210,599 Utah 2,575,485 2,835,121
Maine 1,421,826 1,516,274 Vermont 506,133 523,203
Maryland 4,698,467 4,829,922 Virginia 7,196,890 8,329,857
Massachusetts 11,326,056 11,825,678 Washington 5,807,432 6,052,540
Michigan 7,458,751 8,088,687 West Virginia 769,806 845,220
Minnesota 9,312,438 9,819,780 Wisconsin 8,315,426 8,952,799
Mississippi 1,232,565 1,378,614 Wyoming 236,291 255,309
Missouri 6,987,592 7,547,215 United States $347,371,000 $369,001,000

Source:Compensation of employees by NAICS industry, Bureau of Economic Analysis, U.S. Department of Commerce.

Insurance Carriers And Related Activities Compensation, 2014-2023

Year Annual payroll ($ billions)
2014 $234.0
2015 250.7
2016 255.8
2017 271.0
2018 285.7
2019 298.6
2020 315.9
2021 323.8
2022 347.4
2023 369.0

Source: Compensation of employees by NAICS industry, Bureau of Economic Analysis, U.S. Department of Commerce.

Top 10 States For Homeowners Insurance Lightning Losses By Number Of Claims, 2025

Rank State Value of
claims		 Number of
claims		 Average cost
per claim
1 Florida $186.0 5,167 $35,993
2 California 156.5 4,211 37,159
3 Texas 252.9 4,188 60,382
4 Georgia 87.6 4,007 21,871
5 Alabama 56.7 2,981 19,025
6 North Carolina 49.5 2,844 17,421
7 Louisiana 45.2 2,311 19,538
8 Pennsylvania 33.4 2,177 15,355
9 Virginia 39.9 2,166 18,399
10 New York 45.2 2,004 22,577
  Top 10 States $952.9 32,056 $29,726

Source: Insurance Information Institute, State Farm®.

Homeowners Insurance Claims And Payout for Lightning Losses, 2017-2025

Year Value of claims
($ millions)		 Number of
claims		 Average cost
per claim
2017 $916.6 85,020 $10,781
2018 908.9 77,898 11,668
2019 920.1 76,860 11,971
2020 2,066.7 71,551 28,885
2021 1,313.1 60,851 21,578
2022 950.2 62,189 15,280
2023 1,239.7 70,787 17,513
2024 1,035.3 55,537 18,641
2025 1,649.8 61,986 26,616
Percent change      
2025 – 2024 59.4% 11.6% 42.8%
2025 – 2017 80.0% -27.1% 146.9%

Source: Insurance Information Institute, State Farm®.

Life And Nonlife Insurance Direct Premiums Written By Country, 2023 (1)

(US$ millions)
      Total premiums
Country Nonlife premiums (2) Life premiums Amount Percent of total
world premiums
Algeria $130 $1,061 $1,191 0.02%
Argentina 1,621 8,695 10,316 0.14
Australia 15,603 58,049 73,652 1.02
Austria 5,553 16,440 21,993 0.31
Bahrain 95 675 770 0.01
Belgium 18,427 20,796 39,223 0.55
Bolivia 344 486 830 0.01
Brazil 44,790 39,698 84,488 1.18
Canada 70,319 100,201 170,520 2.37
Chile 7,253 6,044 13,297 0.19
Columbia 5,433 7,892 13,325 0.19
Costa Rica 383 1,533 1,916 0.03
Cote d Ivoire 417 338 755 0.01
Czech Republic 2,575 7,123 9,698 0.13
Denmark 32,988 11,386 44,374 0.62
Dominican Republic 336 1,730 2,066 0.03
Ecuador 673 1,530 2,203 0.03
Egypt 1,246 1,305 2,551 0.04
Finland 24,305 5,586 29,891 0.42
France 170,098 112,702 282,800 3.94
Germany 93,325 152,139 245,464 3.42
Greece 2,666 3,102 5,768 0.08
Guatemala 354 1,080 1,434 0.02
Hong Kong 56,740 8,951 65,691 0.91
Hungary 1,579 2,650 4,229 0.06
India 100,185 35,773 135,958 1.89
Indonesia 10,576 7,778 18,354 0.26
Ireland 19,830 9,722 29,552 0.41
Israel 10,743 10,564 21,307 0.30
Italy 110,549 48,892 159,441 2.22
Japan 277,198 85,521 362,719 5.05
Jordan 195 854 1,049 0.01
Kenya 1,141 1,348 2,489 0.03
Kuwait 138 1,536 1,674 0.02
Lebanon 28 232 260 (3)
Luxembourg 20,547 17,769 38,316 0.53
Malaysia 14,566 5,671 20,237 0.28
Mexico 19,779 25,283 45,062 0.63
Morocco 2,551 2,968 5,519 0.08
Namibia 733 240 973 0.01
Netherlands 12,926 80,223 93,149 1.30
New Zealand 1,059 7,939 8,998 0.13
Nigeria 616 691 1,307 0.02
Norway 13,291 10,156 23,447 0.33
Oman 180 1,288 1,468 0.02
Pakistan 1,590 975 2,565 0.04
Panama 433 1,432 1,865 0.03
Paraguay 83 394 477 0.01
Peru 2,886 2,708 5,594 0.08
Philippines 5,277 2,480 7,757 0.11
Poland 3,474 14,405 17,879 0.25
Portugal 5,579 7,205 12,784 0.18
PR China 390,400 333,264 723,664 10.07
Qatar N/A 2,231 2,231 0.03
Russia 8,167 14,144 22,311 0.31
Saudi Arabia 684 16,772 17,456 0.24
Singapore 30,040 13,128 43,168 0.60
South Africa 34,833 8,520 43,353 0.60
South Korea 84,364 101,552 185,916 2.59
Spain 39,933 43,509 83,442 1.16
Sweden 33,821 10,380 44,201 0.62
Switzerland 25,370 35,817 61,187 0.85
Taiwan 53,956 24,121 78,077 1.09
Thailand 14,349 12,030 26,379 0.37
Tunisia 333 831 1,164 0.02
Turkey 2,299 16,917 19,216 0.27
United Arab Emirates 1,824 12,743 14,567 0.20
United Kingdom 236,941 137,995 374,936 5.22
United States 714,859 2,511,826 3,226,685 44.90
Uruguay 1,098 1,171 2,269 0.03
Vietnam 6,551 2,896 9,447 0.13
Yemen 14 296 310 (3)
Other countries 15,756 41,794 57,550 0.80
World (4) $2,888,998 $4,297,176 $7,186,174 100.00%

(1) Before reinsurance transactions. For more information on country data see www.swissre.com.
(2) Includes accident and health insurance.
(3) Less than 0.00 percent.
(4) Totals may not add up due to rounding.

Source: Swiss Re Institute, sigma 3/2024.

Estimated Number And Cost Of Dog Bite Claims, 2015-2024 (1)

Year Value of claims ($ millions) Number of claims Average cost per claim
2015 $571.3 15,352 $37,214
2016 602.2 18,123 33,230
2017 686.3 18,522 37,051
2018 674.9 17,297 39,017
2019 796.8 17,802 44,760
2020 853.7 17,597 50,245
2021 881.9 17,989 49,025
2022 1,136.0 17,597 64,555
2023 1,116.0 19,062 58,545
2024 1,569.6 22,658 69,272
Percent change, 2023-2024 40.6% 18.9% 18.3%
Percent change, 2015-2024 174.7% 47.6% 86.1%

(1) Includes other dog-related injuries that have impacted claims such as fractures or other blunt force trauma injuries.
(2) Calculated from unrounded data.

Source: Insurance Information Institute, State Farm®.

Distribution Of Catastrophe Bonds And Insurance-Linked Securities By Type By Year, 2015-2024

  2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Property cat bonds 79.2% 78.8% 77.7% 68.5% 48.1% 65.4% 61.7% 79.3% 83.9% 90.9%
Mortgage ILS deals 3.8 4.2 4.6 21.4 41.1 28.0 31.0 10.2 7.8 2.9
Other (1) 17.0 17.0 17.7 10.1 10.8 6.6 7.3 10.5 8.3 6.2

(1) Other includes cat bond like deals featuring specialty, life, mortality, risk, etc.; and private cat bond lites or private ILS deals.

Source: Artemis.

Catastrophe Bonds And Insurance-Linked Securities By Type By Year, 2015-2024

($ millions)
  2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Property cat bonds $6,266 $5,559 $9,861 $9,504 $5,338 $11,023 $12,513 $9,260 $14,971 $16,564
Mortgage ILS deals 299 299 579 2,976 4,556 4,714 6,286 1,195 1,399 527
Other (1) 1,334 1,195 2,244 1,396 1,201 1,112 1,487 1,219 1,474 1,131
Total $7,898 $7,053 $12,685 $13,875 $11,094 $16,850 $20,285 $11,674 $17,844 $18,221

(1) Other includes cat bond like deals featuring specialty, life, mortality, risk, etc.; and private cat bond lites or private ILS deals.

Source: Artemis

Deaths in the United States By Firearm, 2021-2022

  Number Percent of total
Deaths caused by firearms (1) 2021 2022 2021 2022
Suicide by firearm 26,328 27,032 53.7 56.1
Assault (homicide) by firearm 20,958 19,651 42.9 40.8
Legal intervention 537 643 1.4 1.3
Accidental discharge of firearms 549 463 1.2 1.0
Undetermined intent 458 415 0.9 0.9
Total  48,830 48,204 100.0% 100.0%

(1) Firearms are guns that can be carried by a person and does not refer to larger classes of guns.

Source: Centers for Disease Control and Prevention, National Vital Statistics Report.

Employed Persons By Occupation, Sex, Race, And Hispanic Or Latino Ethnicity, 2024

    Percent of total employed
Occupation Total employed
(in thousands)		 Women Black or African
American		 Asian Hispanic
or Latino
Total, 16 years and over 161,346 47.1% 12.8% 7.0% 19.4%
Business and financial operations occupations 9,945 53.8 10.8 8.4 10.9
Insurance sales agents 589 51.1 13.5 4.6 18.3
Claims adjusters, appraisers, examiners, and investigators 382 57.1 20.9 4.3 10.0
Insurance claims and policy processing clerks 299 78.7 21.9 3.3 17.7
Insurance underwriters 124 61.9 14.6 5.4 8.8
Actuaries 36 NA NA NA NA

NA=Data not available.

Source: U.S. Bureau of Labor Statistics, Current Population Survey, https://www.bls.gov/cps/cpsaat11.htm.

Women In Insurance, 2024

Occupation Total employed (000) Percent of women in that occupation
Insurance claims and policy processing clerks 299 78.7%
Claims adjusters, appraisers, examiners and investigators 382 57.1
Insurance underwriters 124 61.9
Insurance sales agents 589 51.1
Actuaries 36 (1)

(1) Data not shown where base is less than 50,000.

Source: U.S. Bureau of Labor Statistics, Current Population Survey. http://www.bls.gov/cps/cpsaat11.htm

Top 10 Most Significant Flood Events By National Flood Insurance Program Payouts (1)

Rank Date Event Number of
paid losses		 Amount paid
when occurred
($ millions)		 Amount paid
in 2024 dollars
($ millions)		 Average paid loss
in 2024 dollars
1 Aug. 2005 Hurricane Katrina 168,200 $16,330  $26,247  $156,046 
2 Oct. 2012 Superstorm Sandy 132,800 8,967 12,236 92,139 
3 Sep. 2017 Hurricane Harvey 77,100 9,015 11,591 150,337 
4 Sep. 2022 Hurricane Ian 48,000 4,300 4,555 94,896 
5 Sep. 2008 Hurricane Ike 46,900 2,711 3,911 83,390 
6 Aug. 2016 Louisiana severe storms and flooding 27,600 2,522 3,305 119,746 
7 Sep. 2004 Hurricane Ivan 31,000 1,671 2,778 89,613 
8 May 2001 Tropical Storm Allison 30,900 1,110 1,968 63,689 
9 Aug. 2011 Hurricane Irene 43,800 1,344 1,873 42,763 
10 Sep. 2024 Hurricane Helene 43,700 1,779 1,779 40,709 

(1) Defined by the National Flood Insurance Program as an event that produces at least 1,500 paid losses, since 1978.  As of January 2025.

Source: Federal Emergency Management Agency (FEMA) National Flood Insurance Program (NFIP) data; analysis courtesy of Aon.

U.S. Insured Losses From Winter Storms, 2015-2024

($ millions)
  Insured losses (1)
Year When occurred In 2024 dollars
2015 $3,918 $5,264
2016 1,178 1,564
2017 926 1,200
2018 3,791 4,798
2019 1,859 2,318
2020 1,098 1,341
2021 15,529 18,631
2022 10,197 10,970
2023 3,326 3,490
2024 3,933 4,020

(1) Includes losses sustained by private insurers and government-sponsored programs such as the National Flood Insurance Program. Subject to change as loss estimates are further developed.

Source: Aon.

Top 10 Costliest World Natural Disasters By Insured Losses, 1900-2024 (1)

(2024 US$ billions)
        Insured loss
Rank Date  Country/region Event Dollars when occurred In 2024 dollars (2)
1 Aug. 2005 U.S. Hurricane Katrina $65 $104
2 Sept. 2022 U.S., Cuba Hurricane Ian 54 57
3 Mar. 11, 2011 Japan Tohoku Earthquake/Tsunami 35 49
4 Sep. 2017 U.S., Caribbean Hurricane Irma 33 43
5 Aug.-Sep. 2021 U.S., Caribbean Hurricane Ida 36 42
6 Oct. 2012 U.S. Hurricane Sandy 30 41
7 Aug.-Sep. 2017 U.S. Hurricane Harvey 30 39
8 Sep. 2017 U.S., Caribbean Hurricane Maria 30 38
9 Aug. 1992 U.S., Bahamas Hurricane Andrew 16 36
10 Jan. 17, 1994 U.S. Northridge Earthquake 15 33

(1) Natural disasters that cause at least US$25 million in insured losses; or 10 deaths; or 50 people injured; or 2,000 filed claims or homes and structures damaged. Losses for hurricanes in the United States include losses for the National Flood Insurance Program. As of January 2025.
(2) Adjusted for inflation by Aon using the U.S. Consumer Price Index.

Note: Loss data shown here may differ from figures shown elsewhere for the same event due to differences in the date of publication, the geographical area covered and other criteria used by organizations collecting the data.

Source: Aon.

World Natural Disaster Events Ranked By Insured Losses, 2024 (1)

(2024 US$ billions)
Rank Peril Insured loss (US$ billions)
1 Severe Convective Storm $62
2 Tropical Cyclone 48
3 Flooding 21
4 Winter Weather 4
5 Drought 4
6 Wildfire 3
7 European Windstorm 2
8 Earthquake 1
9 Other 0
  Total $145

(1) Natural disasters that cause at least US$25 million in insured losses; or 10 deaths; or 50 people injured; or 2,000 filed claims or homes and structures damaged. As of January 2025.
(2) Chart total and amount cited in text may be different due to rounding by the source, Aon

Note: Loss data shown here may differ from figures shown elsewhere for the same event due to differences in the date of publication, the geographical area covered and other criteria used by organizations collecting the data.

Source: Aon.

Top 10 Costliest World Natural Disasters By Insured Losses, 2024 (1)

(US$ billions)
Rank Date Country/region Event Insured loss (2)
1 Oct. 8-11 U.S., Mexico Hurricane Milton $20.0
2 Sep. 25-28 U.S., Mexico, Cuba Hurricane Helene 17.5
3 May 6-10 U.S. Severe Convective Storm 5.2
4 Mar. 12-16 U.S. Severe Convective Storm 4.8
5 Oct. 27-30 Spain Valencia Floods 3.9
6 May 17-22 U.S. Severe Convective Storm 3.9
7 Aug. 3-11 U.S., Canada Hurricane Derby 3.9
8 Jul. 1-11 U.S., Caribbean, Canada Hurricane Beryl 3.7
9 May 25-26 U.S. Severe Convective Storm 3.6
10 Annual U.S. U.S. Drought 3.5
All other events       75.1
Total 2024       $145

(1) Natural disasters that cause at least US$25 million in insured losses; or 10 deaths; or 50 people injured; or 2,000 filed claims or homes and structures damaged. Hurricane losses in the United States include National Flood Insurance Program losses. As of January 2025.
(2) Includes losses sustained by private insurers and government-sponsored programs. Subject to change as loss estimates are further developed.

Note: Loss data shown here may differ from figures shown elsewhere for the same event due to differences in the date of publication, the geographical area covered and other criteria used by organizations collecting the data.

Top 10 Costliest Global Wildfires By Insured Losses, 1900-2024 (1)

(2024 US$ billions)
        Insured loss
Rank Date Country Event Dollars when
occurred		 In 2024
dollars (2)
1 Nov. 2018 U.S. Camp Fire $10.0 $13.0
2 Oct. 2017 U.S. Tubbs Fire 8.7 11.0
3 Nov. 2018 U.S. Woolsey Fire 4.2 5.3
4 Aug. 2023 U.S. Maui / Hawaii Fire 4.3 4.4
5 Oct. 1991 U.S. Oakland (Tunnel) Fire 1.7 3.9
6 Oct. 2017 U.S. Atlas Fire 3.0 3.8
7 May 2016 Canada Horse Creek Fire 2.9 3.7
8 Sep.-Oct. 2020 U.S. Glass Fire 3.0 3.6
9 Aug.-Sep. 2020 U.S. CZU Lightning Complex Fire 2.5 3.0
10 Dec. 2017 U.S. Thomas Fire 2.3 2.9

(1) Individual wildfires. Includes losses sustained by private insurers and government-sponsored programs. Subject to change as loss estimates are further developed. As of January 2025.
(2) Adjusted for inflation by Aon using the U.S. consumer price index.

Note: Loss data shown here may differ from figures shown elsewhere for the same event due to differences in the date of publication, the geographical area covered and other criteria used by organizations collecting the data.

Source: Aon.

Top 10 Costliest Global Severe Convective Storms By Insured Losses, 1900-2024 (1)

(2024 US$ billions)
        Insured loss
Rank Date Country/region Event Dollars when
occurred		 In 2024
dollars (2)
1 Aug. 2020 U.S. Severe convective storm 
(includes Midwest Derecho)		 $9.2 $11.0
2 Apr. 2011 U.S. 2011 Super Outbreak 7.6 11.0
3 May 2011 U.S. Joplin Tornado/Severe convective storm 7.0 9.8
4 May 2003 U.S. Severe convective storm 3.3 5.7
5 May 2024 U.S. Severe convective storm 5.2 5.2
6 Jul. 2013 Europe Storm Andreas 3.8 5.1
7 Mar. 2023 U.S. Severe convective storm 4.9 5.1
8 Mar. 2024 U.S. Severe convective storm 4.8 4.8
9 Mar.-Apr. 2023 U.S., Canada Tornado Outbreak 4.3 4.5
10 May 2019 U.S. Severe convective storm 3.7 4.5

(1) Includes severe convective storms such as thunderstorms, tornadoes and hailstorms, straight-line winds and flooding that could occur with these storms. Includes losses sustained by private insurers and government-sponsored programs. Subject to change as loss estimates are further developed. As of January 2025.
(2) Adjusted for inflation by Aon using the U.S. consumer price index.

Note: Loss data shown here may differ from figures shown elsewhere for the same event due to differences in the date of publication, the geographical area covered and other criteria used by organizations collecting the data.

Source: Aon.

Top 10 Costliest Global Tropical Cyclones By Insured Losses, 1900-2024 (1)

(2024 US$ billions)
        Insured loss
Rank Date Country/region Event Dollars when
occurred		 In 2024
dollars (2)
1 Aug. 2005 U.S. Hurricane Katrina $65 $104
2 Sep. 2022 U.S., Cuba Hurricane Ian 54 57
3 Sep. 2017 U.S., Caribbean Hurricane Irma 33 43
4 Aug. 2021 U.S., Caribbean Hurricane Ida 36 42
5 Oct. 2012 U.S., Caribbean, Canada Hurricane Sandy 30 41
6 Aug. 2017 U.S. Hurricane Harvey 30 39
7 Sep. 2017 U.S., Caribbean Hurricane Maria 30 38
8 Aug. 1992 U.S., Caribbean Hurricane Andrew 16 36
9 Sep. 2008 U.S., Caribbean Hurricane Ike 18 27
10 Oct. 2024 U.S., Mexico Hurricane Milton 20 20

(1) Includes losses sustained by private insurers and government-sponsored programs. Subject to change as loss estimates are further developed. As of January 2025.
(2) Adjusted for inflation by Aon using the U.S. consumer price index.

Note: Loss data shown here may differ from figures shown elsewhere for the same event due to differences in the date of publication, the geographical area covered and other criteria used by organizations collecting the data.

Source: Aon.

States With a Workers Compensation State Fund, 2026

State
California
Colorado
Hawaii
Idaho
Kentucky
Louisiana
Maryland
Maine
Minnesota
Montana
New Mexico
New York
Oklahoma
Oregon
Pennsylvania
Rhode Island
Texas
Utah

Source: Insurance Information Institute, 2026.

U.S. Insured Losses from Winter Storms, 2015-2024

($ millions)
  Insured losses (1)
Year When occurred In 2024 dollars
2015 $3,918 $5,264
2016 1,178 1,564
2017 926 1,200
2018 3,791 4,798
2019 1,859 2,318
2020 1,098 1,341
2021 15,529 18,631
2022 10,197 10,970
2023 3,326 3,490
2024 3,933 4,020

(1) Includes losses sustained by private insurers and government-sponsored programs such as the National Flood Insurance Program. Subject to change as loss estimates are further developed.

Source: Aon.

Average Homeowners Insurance Expenditures As A Percent of Median Household Income, 2021 (1)

State Index Rank State Index Rank
Florida 4.07% 1 California 1.77% 27
Louisiana 3.81 2 South Dakota 1.76 28
Mississippi 3.73 3 Hawaii 1.62 29
Oklahoma 3.37 4 Michigan 1.60 30
Texas 3.10 5 Illinois 1.56 31
Arkansas 3.10 6 Indiana 1.55 32
Alabama 2.76 7 New Jersey 1.50 33
Rhode Island 2.47 8 Ohio 1.49 34
Montana 2.34 9 Virginia 1.46 35
Georgia 2.33 10 Iowa 1.46 36
New Mexico 2.32 11 Delaware 1.44 37
South Carolina 2.24 12 District of Columbia 1.43 38
Colorado 2.23 13 Nevada 1.40 39
Missouri 2.18 14 Maine 1.39 40
Tennessee 2.16 15 Vermont 1.36 41
Nebraska 2.16 16 Pennsylvania 1.34 42
Kentucky 2.15 17 Arizona 1.33 43
Wyoming 2.13 18 Alaska 1.31 44
Connecticut 2.09 19 Maryland 1.26 45
West Virginia 2.08 20 New Hampshire 1.23 46
Kansas 2.06 21 Idaho 1.18 47
Minnesota 2.03 22 Washington 1.17 48
New York 2.00 23 Wisconsin 1.15 49
Massachusetts 1.98 24 Oregon 1.00 50
North Dakota 1.88 25 Utah 0.96 51
North Carolina 1.82 26 U.S. Average 1.99%  

(1) Data are for IRC’s affordability index based on average homeowners insurance expenditures published by the National Association of Insurance Commissioners (NAIC) and median household income from the U.S. Census Bureau. 

Source: Homeowners Insurance Affordability: Countrywide Trends and State Comparisons, Insurance Research Council. 

Off-Highway Vehicles (OHV) – Related Deaths and Injuries, 2018-2022 (1)

  Estimated number of deaths Estimated number of injuries (2)
    Younger than 16   Younger than 16
Year Total Number Percent
of total		 Total Number Percent
of total
2018 714 71 10% 95,000 24,900 26%
2019 744 94 13 96,000 25,800 27
2020 990 123 12 112,300 30,500 27
2021 NA NA NA 106,600 30,500 29
2022 NA NA NA 94,700 25,600 27

(1) Off-Highway Vehicles (OHV) including All-Terrain Vehicles (ATV); Recreational Off-Highway Vehicles (ROV); and Utility-Terrain Vehicles (UTV).
(2) Emergency room-treated.

NA=Data not available.

Source: U.S. Consumer Product Safety Commission.

Fatalities In Crashes Involving Young Drivers, 2013-2022

Year Young drivers
age 15–20		 Passengers of
young drivers		 Occupants of
other vehicles		 Nonoccupants Total
2013 1,696 1,069 1,133 469 4,367
2014 1,723 1,015 1,093 454 4,285
2015 1,903 982 1,326 533 4,744
2016 1,916 1,033 1,348 598 4,895
2017 1,844 986 1,396 574 4,800
2018 1,729 919 1,318 562 4,528
2019 1,616 888 1,373 514 4,391
2020 1,899 1,090 1,489 591 5,069
2021 2,133 1,078 1,677 728 5,616
2022 2,034 1,033 1,607 665 5,339

Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.

Occupant Fatality Rates By Vehicle Type, 2013 And 2022

  Motorcycles (1) Light trucks Passenger cars
2013      
     Per 100,000 registered vehicles 55.83 7.62 9.34
     Per 100 million vehicle miles traveled 23.04 0.71 0.87
2022      
     Per 100,000 registered vehicles 64.99 7.31 12.13
     Per 100 million vehicle miles traveled 26.16 0.72 1.20
Percent change, 2013-2022      
     Per 100,000 registered vehicles 16.4% -4.1% 29.9%
     Per 100 million vehicle miles traveled 13.5% 1.4% 37.9%

(1) Beginning in 2022, operators and passengers of motorized bicycles are captured as pedalcyclists when involved in a motor vehicle traffic crash.

Source: U.S. Department of Transportation, National Highway Traffic Safety Administration. 

Top Six Global Insurance-Related Mergers And Acquisitions Announced, 2023 (1)

($ millions)
Rank Buyer (country) Target (country) Sector Transaction value
1 CVS Health (U.S) Oak Street Health (U.S.) Health vertical $10,557
2 Brookfield Re (U.S) American Equity Investment Life (U.S.) Life 3,586
3 Sumitomo Life (Japan) Singapore Life Holdings (Singapore) Life 3,480
4 Optum (UnitedHealth Group) (U.S) Amedisys Inc. (U.S.) Health vertical 3,364
5 RenaissanceRe (U.S) Validus Re (U.S.) Property/casualty 3,300
6 Generali (Italy) Liberty Seguros SA (Spain) Property/casualty 2,500
7 Elevance Health (U.S) Blue Cross Blue Shield of Louisiana (U.S) Health 2,500
8 Prosperity Life (U.S) National Western Life (U.S) Life 1,900
9 HDI International (Germany) Liberty Seguros (South American business) (Spain) Property/casualty 1,480
10 Brookfield Re (U.S) Argo Group (U.S) Property/casualty 1,100

Source: ©2024 Conning, Inc., 2023 Global Mergers & Acquisitons in the Insurance Industry. Used with permission.

Reported Global Insurance-Related Mergers And Acquisitions By Sector, U.S. And Non-U.S. Acquirers, 2023 (1)

  Number of transactions Transaction values ($ millions)
Sector U.S. (2) Non-U.S. (3) Total U.S. (2) Non-U.S. (3) Total
Underwriting            
   Property/casualty 42 41 83 $1,151 $9,644 $10,795
   Life/annuity 15 24 39 7,570 4,778 12,348
   Health/managed care 16 5 21 13,633 1,548 15,181
Total 73 70 143 $22,354 $15,970 $38,324
Distribution and services            
   Distribution 739 242 981 $15,879 $323 $16,202
   Services 32 6 38 0 0 0
Total 771 248 1,019 $15,879 $323 $16,202
Total, all sectors 844 318 1,162 $38,233 $16,293 $54,526

(1) Components may not add to totals due to rounding and inclusion of miscellaneous companies.
(2) Includes transactions where a U.S. company was the acquirer and/or the target.
(3) Includes transactions where a non-U.S. company was the acquirer and the target.

Source: ©2024 Conning, Inc., 2023: Global Mergers & Acquisitions in the Insurance Industry. Used with permission.

Drivers In Fatal Motor Vehicle Crashes By Age, 2022

  Licensed drivers Drivers in fatal
crashes
Age group Number Percent of
total drivers		 Number Involvement
rate (1)
16 to 20 11,661,426 5.0% 4,856 41.22
21 to 24 14,288,708 6.1 5,279 36.95
25 to 34 40,817,284 17.4 12,611 30.90
35 to 44 40,101,137 17.1 10,344 25.79
45 to 54 37,360,131 15.9 8,619 23.07
55 to 64 39,215,895 16.7 7,899 20.14
65 to 74 31,558,393 13.4 5,053 16.01
Over 74 19,965,210 8.5 3,445 17.26
Total (2) 235,086,153 100.0% 60,048 25.54

(1) Per 100,000 licensed drivers in each age group.
(2) Includes drivers under the age of 15 and of unknown age.

Source: U.S. Department of Transportation, National Highway Traffic Safety Administration; Federal Highway Administration.

Sex Of Drivers Involved In Fatal Crashes, 2013-2022 (1)

  Drivers in fatal crashes
  Male Female Total (2)
Year Number Rate (3) Number Rate (3) Number Rate (3)
2013 32,608 31.05 11,429 10.67 44,803 21.12
2014 32,630 30.81 11,293 10.44 44,671 20.87
2015 35,850 33.30 12,382 11.21 49,163 22.54
2016 37,941 34.62 13,376 11.93 52,399 23.63
2017 38,028 34.14 13,673 12.00 52,752 23.41
2018 37,406 33.26 13,379 11.63 51,905 22.81
2019 37,196 32.93 13,000 11.21 51,302 22.41
2020 39,594 35.16 13,111 11.34 54,165 23.74
2021 44,359 38.50 15,260 12.98 61,379 26.37
2022 43,582 37.53 14,719 12.37 60,048 25.54

(1 ) Drivers over the age of 15. Includes motorcycle riders and restricted and graduated drivers license holders in some states.
(2) Includes drivers of unknown sex.
(3) Rate per 100,000 licensed drivers.

Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.

Homeowners Insurance Losses, 2018-2022 (1)

Year Claim frequency (2) Claim severity (3) Year Claim frequency (2) Claim severity (3)
2018 6.31 $14,579 2021 5.39 $16,801
2019 5.39 14,090 2022 5.45 18,311
2020 6.45 15,053 Average (4) 5.79 $15,749

(1) For homeowners multiple peril policies (HO-2, HO-3, HO-5 and HE-7 for North Carolina). Excludes tenants and condominium policies. Excludes Alaska, Texas and Puerto Rico.
(2) Claims per 100 house-years (policies). One house-year represents policy coverage on a dwelling for 12 months.
(3) Average amount paid per claim; based on accident year incurred losses, excluding loss adjustment expenses, i.e., indemnity costs per accident year incurred claims.
(4) Weighted average, 2018-2022.

Source: ISO®, a Verisk Analytics® business.

Top 10 Writers of Cybersecurity Insurance by Direct Premiums Written, 2023 (1)

($000)
Rank Group/company Direct premium written (2) As a percent of total
direct premiums written
1 Chubb Ltd. $573,583 7.9%
2 AXA 487,196 6.7
3 Fairfax Financial Holdings 462,954 6.4
4 Travelers Companies Inc. 384,851 5.3
5 Tokio Marine 377,857 5.2
6 Berkshire Hathaway Inc. 289,300 4.0
7 Arch Capital 282,136 3.9
8 American International Group (AIG) 274,377 3.8
9 Sompo 262,948 3.6
10 Starr International Co. 260,014 3.6

(1) Includes stand-alone policies and the cybersecurity portion of package policies. Does not include premiums from companies that cannot report premiums for cybersecurity coverage provided as part of package policies.
(2) Before reinsurance transactions.

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

Top 10 Most Expensive And Least Expensive States For Homeowners Insurance Premiums, 2021 (1)

Rank (2) Most expensive states Average premium (3) Rank (2) Least expensive states Average premium (3)
1 Florida $2,437 1 Wisconsin $780
2 Louisiana 2,259 2 Oregon 793
3 Oklahoma 2,155 3 Utah 831
4 Texas (4) 2,146 4 Nevada 863
5 Rhode Island 1,900 5 Idaho 884
6 Colorado 1,802 6 Arizona 917
7 Mississippi 1,766 7 Ohio 920
8 Massachusetts 1,712 8 Delaware 988
9 Nebraska 1,684 9 Michigan 993
10 Connecticut 1,651 10 Maine 996

(1) Includes state funds, residual markets and some wind pools.
(2) Ranked from highest to lowest. States with the same premium receive the same rank.
(3) Based on the HO-3 homeowner package policy for owner-occupied dwellings, 1 to 4 family units. Provides all risks coverage (except those specifically excluded in the policy) on buildings and broad named-peril coverage on personal property, and is the most common package written.
(4) Texas data were obtained from the Texas Department of Insurance.

Note: Average premium=Premiums/exposure per house years. A house year is equal to 365 days of insured coverage for a single dwelling. The NAIC does not rank state average premiums and does not endorse any conclusions drawn from this data.

Source: National Association of Insurance Commissioners (NAIC). Further reprint or distribution strictly prohibited without written permission of NAIC.

Top 10 Most Expensive And Least Expensive States For Homeowners Insurance Premiums, 2022 (1)

Rank (2) Most expensive states Average premium (3) Rank (2) Least expensive states Average premium (3)
1 Florida $2,677 1 Oregon $893
2 Louisiana 2,603 2 Utah 937
3 Texas (4) 2,397 3 Nevada 948
4 Oklahoma 2,268 4 Wisconsin 957
5 Colorado 2,079 5 Ohio 995
6 Rhode Island 2,074 6 Idaho 1,002
7 Mississippi 1,907 7 Arizona 1,018
8 Massachusetts 1,871 8 Michigan 1,056
9 Nebraska 1,869 9 Maine 1,077
10 Connecticut 1,814 10 Delaware 1,103

(1) Includes state funds, residual markets and some wind pools.
(2) Ranked from highest to lowest. States with the same premium receive the same rank.
(3) Based on the HO-3 homeowner package policy for owner-occupied dwellings, 1 to 4 family units. Provides all risks coverage (except those specifically excluded in the policy) on buildings and broad named-peril coverage on personal property, and is the most common package written.
(4) Texas data were obtained from the Texas Department of Insurance.

Note: Average premium=Premiums/exposure per house years. A house year is equal to 365 days of insured coverage for a single dwelling. The NAIC does not rank state average premiums and does not endorse any conclusions drawn from this data.

Source: National Association of Insurance Commissioners (NAIC). Further reprint or distribution strictly prohibited without written permission of NAIC.

Average Premiums For Homeowners And Renters Insurance By State, 2021 (1)

  Homeowners Renters   Homeowners Renters
State Average
premium (2)		 Rank (3) Average
premium (4)		 Rank (3) State Average
premium (2)		 Rank (3) Average
premium (4)		 Rank (3)
Alabama 1,610 12 222 3 Montana 1,471 15 154 31
Alaska 1,067 35 184 8 Nebraska 1,684 9 141 46
Arizona 917 46 160 25 Nevada 863 48 175 14
Arkansas 1,611 11 206 5 New Hampshire 1,090 34 145 42
California (5) 1,403 20 177 13 New Jersey 1,309 23 151 34
Colorado 1,802 6 159 27 New Mexico 1,229 30 175 14
Connecticut 1,651 10 171 18 New York 1,455 17 164 22
Delaware 988 44 144 44 North Carolina 1,192 33 164 22
D.C. 1,272 25 150 36 North Dakota 1,256 27 114 51
Florida 2,437 1 175 14 Ohio 920 45 160 25
Georgia 1,466 16 205 6 Oklahoma 2,155 3 221 4
Hawaii 1,299 24 172 17 Oregon 793 50 150 36
Idaho 884 47 146 40 Pennsylvania 1,014 40 147 39
Illinois 1,223 31 154 31 Rhode Island 1,900 5 178 12
Indiana 1,058 36 162 24 South Carolina 1,432 18 184 8
Iowa 1,043 37 135 47 South Dakota 1,270 26 117 50
Kansas 1,491 14 159 27 Tennessee 1,368 21 183 10
Kentucky 1,232 29 156 30 Texas (6) 2,146 4 204 7
Louisiana 2,259 2 243 2 Utah 831 49 145 42
Maine 996 42 146 40 Vermont 1,025 38 150 36
Maryland 1,238 28 152 33 Virginia 1,199 32 151 34
Massachusetts 1,712 8 168 21 Washington 1,001 41 159 27
Michigan 993 43 179 11 West Virginia 1,016 39 170 20
Minnesota 1,607 13 132 48 Wisconsin 780 51 127 49
Mississippi 1,766 7 258 1 Wyoming 1,432 18 142 45
Missouri 1,340 22 171 18 United States $1,411   $170  

(1) Includes state funds, residual markets and some wind pools.
(2) Based on the HO-3 homeowner package policy for owner-occupied dwellings, 1 to 4 family units. Provides all risks coverage (except those specifically excluded in the policy) on buildings and broad named-peril coverage on personal property, and is the most common package written.
(3) Ranked from highest to lowest. States with the same premium receive the same rank.
(4) Based on the HO-4 renters insurance policy for tenants. Includes broad named-peril coverage for the personal property of tenants.
(5) Data provided by the California Department of Insurance.
(6) Texas data were obtained from the Texas Department of Insurance.

Note: Average premium=Premiums/exposure per house years. A house year is equal to 365 days of insured coverage for a single dwelling. The NAIC does not rank state average premiums and does not endorse any conclusions drawn from this data.

Source: National Association of Insurance Commissioners (NAIC). Further reprint or distribution strictly prohibited without written permission of NAIC.

Total Motor Vehicle And Pedalcyclist Fatalities, 2013-2022 (1)

Year Total Pedalcyclist Pedalcyclists as a
percent of
total fatalities
2013 32,893 749 2.3%
2014 32,744 729 2.2
2015 35,484 829 2.3
2016 37,806 853 2.3
2017 37,473 806 2.2
2018 36,835 871 2.4
2019 36,355 859 2.4
2020 39,007 948 2.4
2021 43,230 976 2.3
2022 (2) 42,514 1,105 2.6

(1) Pedalcyclists are defined by the National Highway Safety Administration as bicyclists and other cyclists including riders of two-wheeled, nonmotorized vehicles, tricycles and unicycles.
(2) Starting in 2022, pedalcyclists include people on motorized bicycles.

Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.

Insurance Provided By Fair Plans By State, Fiscal Year 2023 (1)

  Number of policies    
State Habitational Commercial Total Exposure (2)
($000)		 Direct premiums
written ($000)
California 311,456 9,136 320,592 $278,388,720 $867,783
Connecticut  1,284 47 1,331 269,989 1,654
Delaware 1,087 60 1,147 213,763 536
D.C. 115 11 126 51,640 131
Florida (3) 1,528,517 13,799 1,542,316 552,759,992 5,070,988
Georgia 8,558 549 9,107 1,754,733 13,951
Hawaii (4) 1,995 N/A 1,995 742,893 4,639
Illinois 1,755 51 1,806 296,551 3,504
Indiana 692 26 718 117,452 1,940
Iowa 955 15 970 59,776 898
Kansas 11,666 164 11,830 809,587 7,343
Kentucky 4,373 189 4,562 205,055 2,474
Louisiana (3) 172,994 11,175 184,169 46,072,483 618,060
Maryland 622 44 666 247,301 658
Massachusetts 194,378 193 194,571 98,009,485 339,568
Michigan 15,532 259 15,791 2,354,177 11,815
Minnesota 3,690 83 3,773 450,491 3,621
Mississippi (4) 2,501 0 2,501 149,625 1,864
Missouri 2,001 98 2,099 178,261 2,069
New Jersey 7,074 168 7,242 1,101,744 5,050
New Mexico 6,354 224 6,578 921,574 5,462
New York 19,376 1,311 20,687 7,447,000 28,314
North Carolina 219,770 8,028 227,798 43,561,755 206,262
Ohio 11,313 268 11,581 4,213,138 13,246
Oregon 1,923 108 2,031 502,312 1,960
Pennsylvania 8,946 816 9,762 1,111,612 4,709
Rhode Island 13,424 105 13,529 5,151,569 27,144
Texas (4) 79,401 0 79,401 16,275,783 113,460
Virginia 21,248 458 21,706 3,989,731 17,342
Washington 187 61 248 100,908 512
West Virginia 235 33 268 21,780 195
Wisconsin 4,035 114 4,149 551,664 2,825
Total 2,657,457 47,593 2,705,050 $1,068,082,544 $7,379,977

(1) Excludes the FAIR Plans of Arkansas.
(2) Exposure is the estimate of the aggregate value of all insurance in force in all FAIR Plans in all lines (except liability, where applicable, and crime) for 12 months ending September through December.
(3) Citizens Property Insurance Corporation, which combined the FAIR and Beach Plans.
(4) The Hawaii, Mississippi and Texas FAIR Plans do not offer a commercial policy.

Source: Property Insurance Plans Service Office (PIPSO). 

Workplace Losses And Deaths, 2013-2022

    Economic loss (1) ($ millions) Preventable deaths (2)
Year Workers (3)
(000)		 Dollars when
occurred		 In 2022
dollars (4)		 Number Per 100,000
workers
2013 145,171 $206,100 $261,402 3,899 2.9
2014 146,307 140,000 174,097 4,132 3.0
2015 (5) 150,031 142,500 176,906 4,190 3.0
2016 152,632 151,000 185,920 4,398 3.1
2017 154,511 161,500 195,471 4,414 3.1
2018 156,948 170,800 200,805 4,493 3.1
2019 158,725 171,000 197,463 4,572 3.1
2020 148,982 163,900 187,416 4,113 3.0
2021 153,691 167,000 181,236 4,472 3.1
2022 159,379 167,000 167,000 4,695 3.2

(1) Economic loss from unintentional injuries. These estimates are not comparable from year to year.
(2) Preventable deaths from unintentional injuries.
(3) Age 16 and over, gainfully employed, including owners, managers and other paid employees, the self-employed, unpaid family workers and active duty resident military personnel.
(4) Adjusted to 2022 dollars by the Insurance Information Institute using the Bureau of Labor Statistics’ Inflation Calculator.
(5) The 2015 National Safety Council cost estimate model represents a complete redesign and is not comparable to previous cost estimates. The 2014 estimate should be considered a data break from previous years.

Source: Deaths reflect National Safety Council (NSC) analysis of data from the Bureau of Labor Statistics (BLS) Census of Fatal Occupational Injuries (CFOI). Economic loss and fatalities are NSC estimates based on data from BLS. Economic loss in 2022 dollars calculated by the Insurance information Institute using the Bureau of Labor Statistics Inflation Calculator.

Premium Taxes By State, Property/Casualty, Life/Annuity And Health Insurers, 2023 (1)

($000)
State Amount State Amount
Alabama $563,244 Montana $163,891
Alaska 63,446 Nebraska 87,723
Arizona 811,228 Nevada 546,898
Arkansas 374,949 New Hampshire 154,258
California 3,690,456 New Jersey 723,894
Colorado 533,490 New Mexico 388,600
Connecticut 254,304 New York 2,456,791
Delaware 145,896 North Carolina 1,169,639
D.C. 161,039 North Dakota 80,032
Florida 1,993,432 Ohio 767,006
Georgia 527,642 Oklahoma 333,261
Hawaii 210,527 Oregon 80,039
Idaho 139,362 Pennsylvania 939,974
Illinois 547,184 Rhode Island 154,474
Indiana 268,114 South Carolina 337,845
Iowa 173,028 South Dakota 105,088
Kansas 503,133 Tennessee 1,274,120
Kentucky 212,229 Texas 4,064,627
Louisiana 1,229,146 Utah 202,989
Maine 133,032 Vermont 72,313
Maryland 856,566 Virginia 733,514
Massachusetts 613,510 Washington 847,086
Michigan 471,261 West Virginia 187,006
Minnesota 752,517 Wisconsin 251,916
Mississippi 436,639 Wyoming 33,024
Missouri 516,480 United States $32,337,862

(1) Includes other insurance companies. Data are for each state’s fiscal year.

Source: U.S. Department of Commerce, Bureau of the Census.

Directors and Officers Insurance, 2014-2023 (1)

($000)
Year Direct premiums written (2) Annual percent change Direct losses incurred Direct incurred loss ratio
2014 $6,011,507 7.0% $2,946,624 49.3%
2015 6,431,789 (3) 3,111,923 57.5
2016 6,429,310 0.1 3,690,204 55.7
2017 6,434,858 0.3 3,542,336 62.4
2018 6,456,990 -1.0 3,990,125 62.8
2019 6,390,730 19.7 3,938,349 60.0
2020 7,649,716 40.9 4,131,819 60.9
2021 10,779,884 38.5 5,445,959 54.7
2022 14,930,820 -9.1 7,055,051 58.5
2023 13,565,951 -15.1 8,481,879 50.7

(1) Includes property/casualty insurers that provided monoline directors and officers policies. The coverage may also be purchased as part of a package commercial multiperil policy. Does not include directors and officers policies sold as part of a package commercial multiperil policy. The directors and officers portion of commercial multiperil policies does not represent a material amount of industry directors and officers premiums written.
(2) Before reinsurance transactions.
(3) Less than 0.1 percent.

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

Surety Bonds, 2014-2023

($000)
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2014 $5,000,382 2.7% 69.5 -3.3 pts.
2015 5,139,873 2.8 73.8 4.3
2016 5,138,543 (4) 72.0 -1.8
2017 5,390,826 4.9 72.3 0.3
2018 6,357,877 17.9 70.3 -2.0
2019 6,556,404 3.1 71.0 0.7
2020 6,691,307 2.1 78.1 7.1
2021 7,106,637 6.2 69.6 -8.5
2022 8,238,781 15.9 64.3 -5.3
2023 9,320,996 13.1 69.4 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, 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.

Boiler And Machinery Insurance, 2014-2023

($000)
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2015 $1,682,090 -15.9% 69.3 -6.9 pts
2016 1,892,160 12.5 78.6 9.3
2017 2,043,204 8.0 76.4 -2.2
2018 2,600,761 27.3 86.4 9.9
2019 2,551,133 -1.9 72.9 -13.5
2020 2,830,040 10.9 85.3 12.5
2021 3,372,602 19.2 71.4 -13.9
2022 3,644,139 8.1 64.6 -6.9
2023 4,279,631 17.4 66.1 1.5

(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 numbers.

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

Top 10 Highest And Lowest States By Estimated Percentage Of Underinsured Motorists, 2023 (1)

Highest Lowest
Rank (2) State Percent underinsured Rank (2) State Percent underinsured
1 Colorado 49.7% 1 D.C. 4.6%
2 Florida (3) 38.3 2 Maryland 6.6
3 Nevada 37.3 3 Vermont 6.6
4 Louisiana 36.4 4 New Hampshire 7.6
5 Georgia 35.2 5 Illinois 7.7
6 Oklahoma 30.6 6 Massachusetts 9.5
7 Kentucky 28.7 7 Iowa 9.6
8 New Mexico 26.2 8 Nebraska 9.9
9 Alabama 24.1 9 Minnesota 10.2
10 Delaware 23.5 10 Maine 10.3

(1) Percentage of underinsured drivers, as measured by the ratio of underinsured motorists (UM) claims to bodily injury (BI) claim frequencies.
(2) Rank calculated from unrounded data.
(3) In Florida, compulsory auto laws apply to personal injury protection (PIP) and physical damage, but not to third party bodily injury coverage.

Source: Insurance Research Council.

Estimated Percentage Of Underinsured Motorists, 2017-2023 (1)

Year Percent
2017 10.6%
2018 11.2
2019 12.2
2020 14.7
2021 15.0
2022 15.9
2023 18.0

(1) Percentage of underinsured drivers, as measured by the ratio of underinsured motorists (UM) claims to bodily injury (BI) claim frequencies.

Source: Insurance Research Council.

Estimated Percentage Of Underinsured Motorists By State, 2023 (1)

State Uninsured Rank (2) State Uninsured Rank (2)
Alabama 24.1% 9 Montana 14.4% 25
Alaska 11.5 36 Nebraska 9.9 44
Arizona 20.6 14 Nevada 37.3 3
Arkansas 11.0 37 New Hampshire 7.6 48
California 15.0 21 New Jersey 18.2 15
Colorado 49.7 1 New Mexico 26.2 8
Connecticut 14.9 22 New York 13.4 29
Delaware 23.5 10 North Carolina 12.1 34
D.C. 4.6 51 North Dakota 11.6 35
Florida (3) 38.3 2 Ohio 12.3 33
Georgia 35.2 5 Oklahoma 30.6 6
Hawaii 12.4 32 Oregon 13.7 28
Idaho 10.7 39 Pennsylvania 22.1 12
Illinois 7.7 47 Rhode Island 14.5 24
Indiana 10.5 40 South Carolina 21.5 13
Iowa 9.6 45 South Dakota 10.8 38
Kansas 16.8 18 Tennessee 13.0 30
Kentucky 28.7 7 Texas 14.7 23
Louisiana 36.4 4 Utah 16.4 19
Maine 10.3 42 Vermont 6.6 49
Maryland 6.6 49 Virginia 13.0 30
Massachusetts 9.5 46 Washington 17.5 16
Michigan 23.1 11 West Virginia 16.9 17
Minnesota 10.2 43 Wisconsin 10.4 41
Mississippi 15.1 20 Wyoming 14.1 27
Missouri 14.3 26      

(1) Percentage of underinsured drivers, as measured by the ratio of underinsured motorists (UM) claims to bodily injury (BI) claims frequencies.
(2) Rank is on 2023 percentage of underinsured motorists, calculated from unrounded data.
(3) In Florida, compulsory auto laws apply to personal injury protection (PIP) and physical damage, but not to third party bodily injury coverage.

Source: Insurance Research Council.

Top 10 States For Homeowners Insurance Lightning Losses By Number Of Claims, 2024

Rank State Value of
claims		 Number of
claims		 Average cost
per claim
1 Florida $113,218,813 4,780 $23,686
2 Texas 168,461,044 4,369 38,558
3 California 75,028,400 4,005 18,734
4 Georgia 48,546,426 3,376 14,380
5 North Carolina 30,299,433 2,574 11,771
6 Louisiana 34,306,009 2,283 15,027
7 Alabama 36,617,416 2,175 16,836
8 New York 34,109,020 1,937 17,609
9 Pennsylvania 15,777,521 1,792 8,804
10 Illinois 24,068,318 1,626 14,802
  Top 10 States $580,432,401 28,917 $20,072

Source: Insurance Information Institute, State Farm®.

Homeowners Insurance Claims And Payout for Lightning Losses, 2017-2024

Year Value of claims
($ millions)		 Number of
claims		 Average cost
per claim
2017 $916.61  85,020 $10,781
2018 908.93  77,898 11,668
2019 920.05  76,860 11,971
2020 2,066.74  71,551 28,885
2021 1,313.06  60,851 21,578
2022 950.22  62,189 15,280
2023 1,239.72  70,787 17,513
2024 1,035.28  55,537 18,641
Percent change      
2024 – 2023 -16.5% -21.5% 6.4%
2024 – 2017 12.9% -34.7% 72.9%

Source: Insurance Information Institute, State Farm®.

Consolidated Assets and Policyholders’ Surplus, P/C Insurance, 2014-2023

($ millions)
Year Net admitted
assets		 Annual
percent
change		 Statutory
liabilities		 Annual
percent
change		 Policyholders’
surplus		 Annual
percent
change		 Total net
premiums
written (1)		 Annual
percent
change (1)
2014 $1,737,141 3.2% $1,046,792 3.0% $690,349 3.4% $503,090 4.4%
2015 1,749,491 0.7 1,057,843 1.1 691,648 0.2 520,613 3.5
2016 1,811,796 3.6 1,096,758 3.7 715,039 3.4 534,003 2.6
2017 1,923,124 6.1 1,155,729 5.4 767,392 7.3 558,473 4.6
2018 1,941,538 1.0 1,182,589 2.3 758,949 -1.1 618,333 10.7
2019 2,116,463 9.0 1,249,518 5.7 866,945 14.2 639,859 3.5
2020 2,265,830 7.1 1,335,864 6.9 929,967 7.3 655,777 2.5
2021 2,504,269 10.5 1,451,116 8.6 1,053,153 13.2 715,677 9.1
2022 2,506,121 0.1 1,523,889 5.0 982,232 -6.7 778,235 8.7
2023 2,680,880 7.0 1,637,637 7.5 1,043,243 6.2 857,773 10.2

(1) After reinsurance transactions, excludes state funds.

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

Net Premiums Written And Combined Ratio, Property/Casualty Insurance, 2014-2023

($ billions)
Year Net
premiums
written (1)		 Annual
percent
change		 Combined
ratio after
dividends (2)		 Annual
point
change (3)		 Year Net
premiums
written (1)		 Annual
percent
change		 Combined
ratio after
dividends (2)		 Annual
point
change (3)
2014 $502.8 4.3% 97.2 0.9 pts. 2019 $639.5 3.4% 99.0 -0.3 pts.
2015 520.5 3.5 98.0 0.8 2020 655.5 2.5 98.8 -0.2
2016 534.0 2.6 100.8 2.9 2021 716.1 9.2 99.7 0.9
2017 558.4 4.6 103.9 3.1 2022 776.8 8.5 102.7 3.0
2018 618.3 10.7 99.3 -4.4 2023 857.4 10.4 101.8 -0.9

(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.

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

Investments, Property/Casualty Insurers, 2021-2023 (1)

($ millions, end of year)
  Amount Percent of total investments
Investment type 2021 2022 2023 2021 2022 2023
Bonds $1,184,282 $1,221,425 $1,276,346 53.1% 55.6% 54.5%
Stocks $657,184 $593,865 $663,654 29.5% 27.0% 28.3%
     Preferred 17,447 16,440 15,173 0.8 0.7 0.6
     Common 639,737 577,425 648,481 28.7 26.3 27.7
Mortgage loans on real estate $27,021 $29,372 $31,976 1.2% 1.3% 1.4%
     First liens 26,526 28,752 31,182 1.2 1.3 1.3
     Other than first liens 495 620 794 (2) (2) (2)
Real estate $13,334 $13,017 $12,686 0.6% 0.6% 0.5%
     Properties occupied by company 8,891 8,499 8,086 0.4 0.4 0.3
     Properties held for income production 4,023 4,153 4,084 0.2 0.2 0.2
     Properties held for sale 420 365 516 (2) (2) (2)
Cash, cash equivalent and short-term investments 156,898 156,160 194,960 7.0 7.1 8.3
Derivatives 609 1,288 2,446 (2) 0.1 0.1
Other invested assets 180,231 174,181 150,475 8.1 7.9 6.4
Receivable for securities 3,177 2,834 2,468 0.1 0.1 0.1
Securities lending reinvested collateral assets 6,520 6,051 5,570 0.3 0.3 0.2
Aggregate write-in for invested assets -711 -539 756 (2) (2) (2)
Total cash and invested assets $2,228,546 $2,197,655 $2,341,336 100.0% 100.0% 100.0%

(1) Includes cash and net admitted assets of property/casualty insurers.
(2) Less than 0.1 percent.

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

Homeowners Insurance Non-Catastrophe Fire Losses, Severity And Frequency, 2020-2024 (1)

Year Claim frequency (2) Claim severity (3) Year Claim frequency (2) Claim severity (3)
2020 0.15 $99,613 2023 0.14 144,328
2021 0.15 115,785 2024 0.13 173,111
2022 0.16 127,316 Average (4) 0.14 $130,752

(1) For homeowners multiple peril policies (HO-2, HO-3, HO-5 and HE-7 for North Carolina). Excludes tenants and condominium policies. Excludes Alaska, Texas and Puerto Rico.
(2) Claims per 100 house-years (policies). One house-year represents policy coverage on a dwelling for 12 months.
(3) Average amount paid per claim; based on accident year incurred losses, excluding loss adjustment expenses, i.e., indemnity costs per accident year incurred claims.
(4) Weighted average, 2020-2024.

Source: ISO, a Verisk Analytics business.

Top Seven Writers Of Financial Guaranty Insurance By Direct Premiums Written, 2023

($000)
Rank Group/company Direct premiums written (1) Market share (2)
1 Assured Guaranty Ltd. $161,998 63.5%
2 Build America Mutual Assurance Co. 59,871 23.5
3 Ambac Financial Group Inc. 16,801 6.6
4 MBIA Inc. 12,034 4.7
5 Syncora Guarantee Inc. 2,802 1.1
6 Financial Guaranty Insurance Co. 1,382 0.5
7 Radian Group Inc. 416 0.2

(1) Before reinsurance transactions, includes state funds.
(2) Based on U.S. total, excluding territories.

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

Top 10 Costliest U.S. Catastrophes Involving Tornadoes (1)

        Estimated insured loss
Rank Date Event Location Dollars when
occurred		 In 2024 dollars (2)
1 Aug. 8-12, 2020 Midwest Derecho IA, IL, IN, KS, MI, MN, MO, NE, OH, SD,
WI, PA, DC, MD, VA, WV		 $9,200 $11,158
2 Apr. 22-28, 2011 Tornado Outbreak AL, AR, GA, IL, KY, LA, MO, MS, OH,
OK, TN, TX, VA		 7,560 10,611
3 May 21-27, 2011 Joplin, MO Tornado AR, GA, IA, IL, IN, KS, KY, MI, MN, MO,
NC, NE, NY, OH, OK, PA, TN, TX, VA, WI		 7,000 9,779
4 May 2-11, 2003 SCS Outbreak AL, AR, CO, GA, IA, IL, IN, KS, KY, MO,
MS, NC, NE, OH, OK, SC, SD, TN		 3,300 5,677
5 May 6-10, 2024 SCS Outbreak AL, AR, CO, FL, GA, IL, IN, KS, KY, LA, MI,
MO, MS, NC, OH, OK, SC, TN, TX, WI		 5,200 5,200
6 Mar. 1-3, 2023 SCS Outbreak AL, AR, GA, IN, KY, MS, OH, PA, TN, VA 4,900 5,125
7 Mar. 12-16, 2024 SCS Outbreak AR, IL, IN, KS, KY, MO, MS, OH, OK, TX 4,800 4,800
8 May 27-30, 2019 SCS Outbreak AR, CO, IA, IL, IN, KS, MO, NJ, NY, OH,
OK, PA, TX, WV, WY		 3,650 4,499
9 Mar. 31 – Apr. 1, 2023 Tornado Outbreak AL, AR, DE, GA, IL, IN, IO, KY, MI, NE,
OH, PA, TN, TX		 4,300 4,497
10 Jun. 21-26, 2023 SCS Outbreak CO, TX, Southeast 4,250 4,397

(1) Defined by Aon as severe convective storms including insured thunderstorm events and may include tornado, hail, damaging straight-line winds (derechos) and flash flood impacts from events. Subject to change as loss estimates are further developed. As of January 2025.
(2) Adjusted for inflation by Aon using the U.S. Consumer Price Index.

Source: Aon.

Individual Annuity Considerations, 2020-2024 (1)

    Total
Year Variable Fixed Amount Percent change
from prior year
2020 $98.6 $120.5 $219.1 -9.4%
2021 125.3 129.2 254.5 16.2
2022 102.9 209.9 312.8 22.9
2023 98.8 286.6 385.4 23.2
2024 126.5 307.6 434.1 12.6

(1) Based on LIMRA’s estimates of the total annuity sales market. Includes some considerations (i.e. premiums) as although annuities may have been bought in group settings, purchases can involve individual buying decisions.

Source: U.S. Individual Annuities, 4th Quarter 2024, LIMRA, 2025.

Individual Annuity Considerations, 2019-2023 (1)

($ billions)
      Total Total
Year Variable Fixed Amount Percent change
from prior year
2019 $101.9 $139.8 $241.7 3.4%
2020 98.6 120.5 219.1 -9.4
2021 125.3 129.2 254.5 16.2
2022 102.9 209.9 312.8 22.9
2023 98.8 286.6 385.4 23.2

(1) Based on LIMRA’s estimates of the total annuity sales market. Includes some considerations (i.e. premiums) that though bought in group settings involve individual buying decisions.

Source: U.S. Individual Annuities, 4th Quarter 2023, LIMRA, 2024.

Number Of Captives, 2014-2023

Year Number of captives
2014 6,739
2015 6,851
2016 6,700
2017 6,454
2018 6,359
2019 6,160
2020 5,879
2021 6,074
2022 6,093
2023 6,181

Source: Business Insurance Survey, Business Insurance, April 2024.

Top 10 States By Number Of Cybercrime Victims And By Losses, 2023 (1)

Rank State Number Rank State Losses
($ millions)
1 California 77,271 1 California $2,159.5
2 Texas 47,305 2 Texas 1,021.6
3 Florida 41,061 3 Florida 874.7
4 New York 26,948 4 New York 750.0
5 Ohio 17,864 5 New Jersey 441.2
6 Arizona 16,584 6 Pennsylvania 360.3
7 Pennsylvania 16,407 7 Illinois 335.8
8 Illinois 15,783 8 Arizona 324.4
9 Michigan 14,784 9 Georgia 301.0
10 Washington 14,600 10 Washington 288.7

(1) Based on the total number of complaints submitted to the Internet Crime Complaint Center via its website from each state where the complainant provided state information.

Source: Internet Crime Complaint Center.

Top 10 Most Significant Flood Events By National Flood Insurance Program Payouts (1)

Rank Date Event Number of
paid losses		 Amount paid
when occurred
($ millions)		 Amount paid
in 2023 dollars
($ millions)		 Average paid loss
in 2023 dollars
1 Aug. 2005 Hurricane Katrina 168,200 $16,330 $25,592 $152,152
2 Oct. 2012 Superstorm Sandy 132,800 8,967 11,931 89,842
3 Sep. 2017 Hurricane Harvey 77,100 9,015 11,302 146,589
4 Sep. 2022 Hurricane Ian 48,000 4,300 4,441 92,521
5 Sep. 2008 Hurricane Ike 46,900 2,711 3,814 81,322
6 Aug. 2016 Louisiana severe storms and flooding 27,600 2,522 3,223 116,775
7 Sep. 2004 Hurricane Ivan 31,000 1,671 2,709 87,387
8 May 2001 Tropical Storm Allison 62,200 1,110 1,919 30,852
9 Aug. 2011 Hurricane Irene 43,800 1,344 1,826 41,689
10 Apr. 2017 Hurricane Irma 22,300 1,094 1,365 61,211

(1) Includes events from 1978 to December 31, 2023 as of January 2024. Defined by the National Flood Insurance Program as an event that produces at least 1,500 paid losses. Ranked on Amount Paid in 2023 dollars.

Source: Federal Emergency Management Agency (FEMA) National Flood Insurance Program (NFIP) data; analysis courtesy of Aon.

Top 10 Costliest U.S. Winter Events By Insured Losses, 1950-2023 (1)

($ millions)
        Insured loss
Rank Date Event Location When occurred In 2023 dollars (2)
1 Feb. 12-20, 2021 Polar Vortex, Texas Freeze TX, OR, WA, CO, NV, AR, OK, GA, NC, FL, IL,
IN, IA, WI, OH, PA, VA, NC, SC, LA, MO, MS		 $14,900 $17,466
2 Dec. 21-26, 2022 Winter storm Nationwide 7,700 7,985
3 Mar. 11-14, 1993 Blizzard  AL, CT, DE, FL, GA, KY, LA, MA, MD, ME, MS,
NC, NH, NJ, NY, OH, PA, RI, SC, TN, TX, VA,
VT, WV		 2,000 4,413
4 Feb. 16-22, 2015 Winter storm, winter damage CT, DC, DE, IL, KY, MA, MD, ME, MI, NC, NH,
NJ, NY, OH, PA, RI, SC, TN, VA, VT		 2,100 2,754
5 Dec. 17-30, 1983 Winter damage, cold wave AL, AR, CO, CT, DE, FL, GA, IA, ID, IL, IN, KS,
KY, LA, MA, MD, MI, MN, MO, MS, MT, NC,
ND, NE, NJ, NY, OH, OK, OR, PA, RI, SC, SD,
TN, TX, UT, VA, WA, WI, WV, WY		 880 2,674
6 Jan. 5-8, 2014 Winter damage, cold wave  AL, GA, IL, IN, KY, MD, MI, MO, MS, NC, NJ,
NY, OH, PA, SC, TN, VA		 1,750 2,303
7 Dec. 10-13, 1992 Winter storm CT, DE, MA, MD, NJ, NY, PA, RI, VA, WV 1,000 2,169
8 Nov. 24-30, 1950 Winter storm CT, DE, MA, MD, ME, NH, NJ, NY, PA, RI, VT 170 2,168
9 Mar. 1-3, 2018 Winter storm CT, DC, DE, MA, MD, NC, NJ, NY, PA, RI, VA 1,755 2,165
10 Jan. 29, 1951 Ice storm TN, TX, VA, AL, KY, MS, LA, GA, WV, VA, NC, SC 150 1,818

(1) Includes losses sustained by private insurers and government-sponsored programs such as the National Flood Insurance Program. Ranked on losses in 2023 dollars. Subject to change as loss estimates are further developed. As of January 2024.
(2) Adjusted for inflation by Aon using the U.S. Consumer Price Index.

Source: Aon.

Wage And Hour Division Enforcements, 2016-2025

Fiscal year WHD enforcements Number of employees Total back wages and
civil monetary penalties
2016 28,589 283,677 $281,328,069
2017 28,771 240,608 284,213,934
2018 28,397 265,027 320,655,308
2019 26,876 313,941 342,012,943
2020 26,096 229,934 275,701,573
2021 24,746 193,796 254,761,528
2022 20,422 152,970 234,775,534
2023 20,215 163,768 238,160,078
2024 17,300 151,989 238,596,425
2025 16,924 176,957 317,994,700

Source: Department of Labor, Wage and Hour Division.

U.S. Equal Employment Opportunity Commission Charge Resolutions, 2015-2024

Fiscal year Number of
charge
resolutions (1)		 Year over
year change		 Percent of
resolutions
closed with
monetary benefit		 Monetary
benefit
($ millions) (2)		 Year over
year change
2015 92,641 5.9% 18.1% $356.6 20.4%
2016 97,443 5.2% 16.2 348.0 -2.4
2017 99,109 1.7% 14.8 355.6 2.2
2018 90,558 -8.6 15.2 353.9 -0.5
2019 80,806 -10.8 15.6 346.6 -2.1
2020 70,804 -12.4 17.4 333.2 -3.9
2021 62,187 -12.2 19.2 350.7 5.3
2022 65,087 4.7 18.6 342.1 -2.5
2023 81,180 24.7 18.0 440.5 28.8
2024 88,531 9.2 15.5 469.6 6.6

(1) This does not include charges filed with state or local Fair Employment Practices Agencies.
(2) This does not include monetary benefits obtained through litigation.

Source: U.S. Equal Employment Opportunity Commission.

Distribution Of Catastrophe Bonds And Insurance-Linked Securities By Type By Year, 2016-2025

  2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Property cat bonds 78.8% 77.7% 68.5% 48.1% 65.4% 61.7% 79.3% 83.9% 90.9% 92.5%
Mortgage ILS deals 4.2 4.6 21.4 41.1 28.0 31.0 10.2 7.8 2.9 0.8
Other (1) 17.0 17.7 10.1 10.8 6.6 7.3 10.5 8.3 6.2 6.7

(1) Other includes cat bond like deals featuring specialty, life, mortality, risk, etc.; and private cat bond lites or private ILS deals.

Source: Artemis.

Catastrophe Bonds And Insurance-Linked Securities By Type By Year, 2016-2025

($ millions)
  2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Property cat bonds $5,559 $9,861 $9,504 $5,338 $11,023 $12,513 $9,260 $14,971 $16,564 $23,874
Mortgage ILS deals 299 579 2,976 4,556 4,714 6,286 1,195 1,399 527 199
Other (1) 1,195 2,244 1,396 1,201 1,112 1,487 1,219 1,474 1,131 1,732
Total $7,053 $12,685 $13,875 $11,094 $16,850 $20,286 $11,674 $17,844 $18,221 $25,805

(1) Other includes cat bond like deals featuring specialty, life, mortality, risk, etc.; and private cat bond lites or private ILS deals.

Source: Artemis

Percent Of Mortgaged Owners Occupied Units Spending 30 Percent Or More Of Their Income On Monthly Owner Costs, 2022

State Percent (1) Rank (2) State Percent (1) Rank (2)
Alabama 22.8% 40 Montana 28.8% 17
Alaska 29.0 15 Nebraska 22.3 44
Arizona 26.1 27 Nevada 30.8 7
Arkansas 22.5 43 New Hampshire 28.6 18
California 37.6 2 New Jersey 31.5 6
Colorado 29.3 12 New Mexico 29.2 14
Connecticut 29.6 10 New York 33.1 4
Delaware 24.1 33 North Carolina 23.6 37
D.C. 26.5 24 North Dakota 22.3 44
Florida 33.9 3 Ohio 20.6 48
Georgia 24.9 30 Oklahoma 24.6 32
Hawaii 41.3 1 Oregon 31.8 5
Idaho 27.4 21 Pennsylvania 24.1 33
Illinois 26.8 22 Rhode Island 28.4 19
Indiana 20.2 49 South Carolina 25.1 28
Iowa 20.2 49 South Dakota 22.0 46
Kansas 22.6 42 Tennessee 25.0 29
Kentucky 22.8 40 Texas 28.9 16
Louisiana 28.2 20 Utah 23.8 36
Maine 29.4 11 Vermont 29.8 9
Maryland 26.2 25 Virginia 24.8 31
Massachusetts 30.2 8 Washington 29.3 12
Michigan 23.9 35 West Virginia 18.6 51
Minnesota 23.6 37 Wisconsin 23.4 39
Mississippi 26.6 23 Wyoming 26.2 25
Missouri 21.6 47 United States 27.8%  

(1) Percent of mortgaged owner-occupied housing units spending 30 percent or more of household income on selected owner costs such as all mortgage payments (first mortgage, home equity loans, etc.), real estate taxes, property insurance, utilities, fuel and condominium fees if applicable.
(2) States with the same percentages receive the same rank.

Source: U.S. Department of Commerce, Census Bureau; American Community Survey.

Motor Vehicle Thefts By State, 2024 (1)

State Motor vehicle
theft incidents (2)		 Percent of population
covered by reporting law
enforcement agencies (3)		 State Motor vehicle
theft incidents (2)		 Percent of population
covered by reporting law
enforcement agencies (3)
Alabama 9,171 99% Montana 1,871 100%
Alaska 1,822 100 Nebraska 4,910 97
Arizona 18,690 99 Nevada 15,606 100
Arkansas 5,457 98 New Hampshire 910 100
California 153,048 100 New Jersey 15,231 97
Colorado 29,280 99 New Mexico 10,408 93
Connecticut 8,698 100 New York 29,942 92
Delaware 2,218 100 North Carolina 27,455 96
D.C. 5,579 100 North Dakota 1,489 100
Florida 19,788 78 Ohio 25,775 93
Georgia 23,564 92 Oklahoma 9,163 100
Hawaii 5,526 100 Oregon 12,426 98
Idaho 1,355 100 Pennsylvania 24,832 99
Illinois 36,298 94 Rhode Island 1,340 100
Indiana 14,230 87 South Carolina 11,869 100
Iowa 4,291 97 South Dakota 1,698 89
Kansas 7,524 96 Tennessee 24,412 100
Kentucky 10,643 100 Texas 103,844 99
Louisiana 8,529 81 Utah 4,204 96
Maine 1,134 99 Vermont 424 100
Maryland 25,962 100 Virginia 12,842 100
Massachusetts 7,355 100 Washington 34,633 99
Michigan 23,432 97 West Virginia 1,334 90
Minnesota 12,388 100 Wisconsin 9,676 97
Mississippi 2,804 64 Wyoming 592 90
Missouri 24,869 98      

(1) Includes the District of Columbia. Does not include a total for the United States because data in this chart is compiled on a different basis than the national totals released by the FBI.
(2) Beginning in 2021, state totals comprise of incidents submitted by law enforcement agencies to the National Incident-Based Reporting System (NIBRS)
(3) States have varying degrees of reporting data to the NIBRS. Percent of population covered shown.

Source: U.S. Department of Justice, Federal Bureau of Investigation, Crime Data Explorer.

Top 10 Commercial Insurance Brokers Of U.S. Business By Revenue, 2022 (1)

($ millions)
Rank Company Brokerage revenues
1 Marsh & McLennan Cos. Inc. (1), (2) $10,125
2 Aon PLC (1), (2) 5,631
3 Arthur J. Gallagher & Co. (1), (2) 5,445
4 Willis Towers Watson PLC (1) 4,712
5 Truist Insurance Holdings Inc. (1), (2) 3,345
6 Brown & Brown Inc. (1), (2) 3,334
7 Acrisure LLC (1) 3,322
8 Alliant Insurance Services Inc. (1), (2) 3,129
9 Hub International Ltd. (1), (2) 2,931
10 USI Insurance Services LLC (1), (2) 2,451

(1) Companies that derive more than 49 percent of revenues from personal lines are not ranked.
(2) Reported U.S. acquisitions in 2022.

Source: Business Insurance (www.businessinsurance.com), July 2023.

¿Qué tipo de desastres están cubiertos?

  Vivienda y propiedad
personal		 Vivienda Propiedad personal Vivienda y propiedad
personal
Peligros Basic
HO-1*+		 Amplia
HO-20*		 Especial
HO-3		 Especial
HO-3		 Inquilinos
HO-4		 Condo/Co-op
HO-6		 Cobertura
Modificada
HO-8
1. Fuego o rayo x x x x x x x
2.  Tormenta de viento o granizo x x x x x x x
3. Explosión x x x x x x x
4. Disturbios o conmoción civil x x x x x x x
5. Daños causados por aeronaves x x x x x x x
6. Daños causados por vehículos x x x x x x x
7. Humo x x x x x x x
8. Vandalismo o travesura maliciosa x x x x x x x
 9. Robo x x x x x x x
10. Erupción volcánica x x x x x x x
11. Objeto que cae   x x x x x  
12. Peso de hielo, nieve o aguanieve   x x x x x  
13. Descarga accidental o desbordamiento de agua o vapor
desde dentro de un sistema de plomería, calefacción, aire
acondicionado o sistema de rociadores automáticos contra
incendios, o desde un electrodoméstico.		   x x x x x  
14. Desgarro, agrietamiento, quemadura o abultamiento
repentino y accidental de un sistema de calefacción de vapor
o agua caliente, un sistema de aire acondicionado o
un sistema de protección contra incendios automático.		   x x x x x  
15. Congelación de un sistema de plomería, calefacción,
aire acondicionado o rociadores automáticos contra incendios,
o de un electrodoméstico.		   x x x x x  
16. Daños repentinos y accidentales por corriente eléctrica
generada artificialmente (no incluye pérdida de un tubo,
transistor o componente electrónico similar).		   x x x x x  
17. Todos los peligros excepto inundación, terremoto,
guerra, accidente nuclear, deslizamiento de tierra,
deslizamiento de lodo, sumidero y otros especificados
en su póliza. Revise su póliza para obtener una lista
completa de peligros excluidos.		     x        

 

Top 10 Most Frequently Stolen Vehicles, 2022

  All model years (1)  
Rank Model Thefts Most common
model year stolen
1 Chevrolet Full Size Pick-up        49,903 2004
2 Ford Full Size Pick-up 48,175 2006
3 Honda Civic 27,113 2000
4 Honda Accord 27,089 1997
5 Hyundai Sonata 21,707 2013
6 Hyundai Elantra 19,602 2017
7 Kia Optima 18,221 2015
8 Toyota Camry 17,094 2021
9 GMC Full Size Pick-up 16,622 2005
10 Honda CR-V 13,832 2001

(1) Includes all model years for each vehicle.

Source: National Insurance Crime Bureau.

Top 10 Writers Of Workers’ Compensation Insurance By Direct Premiums Written, 2022

($000)
Rank Group/company Direct premiums written (1) Market share (2)
1 Travelers Companies Inc. $3,807,268  6.7%
2 Hartford Financial Services 3,636,367 6.4
3 AmTrust Financial 3,161,524 5.6
4 Zurich Insurance Group 2,741,423 4.8
5 Chubb Ltd. 2,426,232 4.3
6 Liberty Mutual 2,313,160 4.1
7 Berkshire Hathaway Inc. 2,050,907 3.6
8 Accident Fund Group 1,749,368 3.1
9 New York State Insurance Fund Workers’ Compensation Fund 1,565,411 2.8
10 Old Republic International Corp. 1,430,352 2.5

(1) Before reinsurance transactions, includes state funds.
(2) Based on U.S. total, includes territories.

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

World Life And Nonlife Insurance Direct Premiums Written, 2020-2022 (1)

(US$ millions)
Year Life Nonlife (2) Total
2020 $2,681,587 $3,537,911 $6,219,498
2021 2,940,266 3,824,428 6,764,694
2022 2,813,032 3,969,203 6,782,235

(1) Before reinsurance transactions.
(2) Includes accident and health insurance.

Source: Swiss Re, sigma database.

Life And Nonlife Insurance Direct Premiums Written By Country, 2022 (1)

(US$ millions)
      Total premiums
Country Nonlife premiums (2) Life premiums Amount Percent of total
world premiums
Algeria $1,096 $114 $1,210  0.02%
Argentina  11,496 1,315 12,811  0.19
Australia  55,952 15,852 71,805  1.06
Austria  14,787 5,659 20,447  0.30
Bahamas 864 253 1,117  0.02
Bangladesh  645 153 799  0.01
Belgium  457 1,604 2,061  0.03
Brazil  19,096 17,110 36,206  0.53
Bulgaria  36,166 39,709 75,876  1.12
Canada  1,655 260 1,915  0.03
Cayman Islands  99,332 71,639 170,972  2.52
Chile  1,320 112 1,431  0.02
Colombia  5,598 5,925 11,523  0.17
Costa Rica  6,985 3,097 10,082  0.15
Croatia  1,290 253 1,543  0.02
Czech Republic  1,373 398 1,771  0.03
Denmark 561 532 1,093  0.02
Dominican Republic  6,241 2,300 8,541  0.13
Ecuador  10,552 32,652 43,204  0.64
Egypt  1,518 271 1,789  0.03
El Salvador  1,789 676 2,465  0.04
Finland  1,511 1,671 3,182  0.05
France  512 337 849  0.01
Germany  5,210 22,798 28,007  0.41
Greece  104,075 157,179 261,264  3.85
Guatemala  142,469 99,164 241,633  3.56
Hong Kong  2,682 2,558 5,240  0.08
Hungary  1,153 344 1,497  0.02
India   8,648 60,119 68,767  1.01
Indonesia  2,192 1,609 3,802  0.06
Iran   31,538 99,503 131,041  1.93
Ireland  7,120 11,751 18,870  0.28
Israel 3,518 739 4,257  0.06
Italy 8,945 18,687 27,632  0.41
Ivory Coast  10,763 11,198 21,962  0.32
Jamaica  44,229 115,938 160,168  2.36
Japan  442 373 815  0.01
Jordan  623 425 1,048  0.02
Kazakhstan  93,920 243,892 337,812  4.98
Kenya  814 180 994  0.0
Kuwait  1,158 606 1,763  0.03
Laos  1,404 1,195 2,599  0.04
Lebanon  1,531 167 1,698  0.03
Liechtenstein  1,631 418 2,048  0.03
Luxembourg  4,010 2,096 6,106  0.09
Macao  16,108 24,260 40,369  0.60
Malaysia  387 4,204 4,591  0.07
Malta  5,408 14,707 20,115  0.30
Mexico  3,528 855 4,383  0.06
Morocco  18,743 15,146 33,888  0.50
Namibia  2,814 2,422 5,236  0.08
Netherlands  249 740 988  0.01
New Zealand  72,225 11,649 83,875  1.24
Nigeria  7,153 1,913 9,067  0.13
Norway  910 775 1,685  0.02
Oman  10,353 14,708 25,060  0.37
Pakistan 1,183 161 1,244  0.02
Panama  892 1,829 2,721  0.04
Peru 1,283 419 1,702  0.03
Philippines 2,348 2,539 4,887  0.07
Poland  2,340 5,378 7,718  0.11
Portugal  12,341 3,146 15,487  0.23
PR China 6,360 6,342 12,702  0.19
Qatar  333,448 364,359 697,806  10.29
Romania 1,713 49 1,762  0.03
Russia  3,151 512 3,662  0.05
Saudi Arabia 12,557 6,788 19,345  0.29
Serbia  13,729 500 14,228  0.21
Singapore 964 237 1,200  0.02
Slovakia  11,678 35,305 46,984  0.69
Slovenia  1,250 722 1,972  0.03
South Africa  2,137 811 2,948  0.04
South Korea  8,968 36,863 45,831  0.68
Spain  94,820 88,026 182,846  2.70
Sri Lanka  39,624 28,613 68,237  1.01
Sweden  10,248 44,116 54,363  0.80
Switzerland  32,024 24,057 56,082  0.83
Taiwan  23,761 62,714 86,475  1.28
Thailand  11,397 13,830 25,227  0.37
Trinidad and Tobago  886 745 1,630  0.02
Tunisia  745 261 1,006  0.01
Turkey 11,352 1,820 13,172  0.19
Ukraine  1,075 150 1,225  0.02
United Arab Emirates   10,497 2,758 13,255  0.20
United Kingdom  114,769 248,240 363,009  5.35
United States  2,287,801 672,006 2,959,808  43.64
Uruguay  509 956 1,466  0.02
Vietnam  3,028 8,258 11,286  0.17
Other countries 13,576 6,312 19,888 0.29
World (3) $3,969,203 $2,813,032 $6,782,235  100.00%

(1) Before reinsurance transactions. For more information on country data see www.swissre.com.
(2) Includes accident and health insurance.
(3) Totals may not add up due to rounding.

Source: Swiss Re, sigma, No. 3/2023.

Top 10 Countries By Life And Nonlife Direct Premiums Written, 2022 (1)

(US$ millions)
        Total premiums
Rank Country Life premiums Nonlife premiums (2) Amount Percent change
from prior year		 Percent of total
world premiums
1 United States (3), (4), (5) $672,006 $2,287,801 $2,959,807 8.6% 43.7%
2 PR China  364,359 333,448 697,807 0.2 10.3
3 United Kingdom (5) 248,240 114,769 363,009 -2.8 5.4
4 Japan (5), (6) 243,892 93,920 337,812 -15.1 5.0
5 France (5) 157,179 104,075 261,254 -10.7 3.9
6 Germany (5) 99,164 142,469 241,633 -11.3 3.6
7 South Korea (5), (6) 88,026 94,820 182,846 -5.3 2.7
8 Canada (5), (7) 71,639 99,332 170,971 2.8 2.5
9 Italy (5) 115,938 44,229 160,167 -16.5 2.4
10 India (5) (6) 99,503 31,538 131,041 6.5 1.9

(1) Before reinsurance transactions.
(2) Includes accident and health insurance.
(3) Nonlife premiums include private medical insurance.
(4) Nonlife premiums include state funds; life premiums are net premiums and are supplemented by estimated premiums for group pension business.
(5) Estimated or provisional.
(6) Financial year April 1, 2022 – March 31, 2023.
(7) Life premiums are net premiums.

Source: Swiss Re, sigma, No. 3/2023.

Top 6 Global Insurance-Related Mergers And Acquisitions Announced, 2022 (1)

($ millions)
Rank Buyer (country) Target (country) Sector Transaction value
1 Berkshire Hathaway (U.S.) Alleghany (U.S.) Property/casualty $11,569
2 CVS Health (U.S.) Signify Health, Inc. (U.S.) Health vertical 7,300
3 Optum (United Health) (U.S.) LHC Group (U.S.) Health vertical 5,400
4 ASR Nederland (The Netherlands) Aegon (India) Life 4,900
5 Rede D’Or Sao Luiz S.A. (Brazil) Sul America S.A. (Brazil) Health insurer 3,101
6 JAB Holding Co. SARL (Luxembourg) Crum & Forster Pet Insurance
Group and Pethealth, Inc. (U.S.)		 Property/casualty 1,400

Source: ©2023 Conning, Inc., 2022 Global Mergers & Acquisitons in the Insurance Industry. Used with permission.

U.S. Insurance-Related Mergers And Acquisitions, 2013-2022 (1)

($ millions)
  Underwriting mergers and acquisitions
  Property/casualty Life/annuity Health/managed care
Year Number of
transactions		 Transaction
values		 Number of
transactions		 Transaction
values		 Number of
transactions		 Transaction
values
2013 41 $4,393 18 3,298 15 33
2014 53 6,723 11 7,978 15 864
2015 35 39,970 18 10,228 21 9,603
2016 38 10,665 13 0 12 1,078
2017 38 7,404 19 5,796 17 75,954
2018 47 15,878 22 6,696 8 2,516
2019 28 8,805 20 9,235 22 17,410
2020 54 10,078 16 9,756 13 4,145
2021 44 9,681 19 33,870 37 20,633
2022 32 13,297 9 70 12 12,940
  Distribution and insurance services mergers and acquisitions
  Distribution Insurance services Total U.S. mergers
and acquisitions
Year Number of
transactions		 Transaction
values		 Number of
transactions		 Transaction
values		 Number of
transactions		 Transaction
values
2013 323 $8,246 57 3,349 454 19,300
2014 387 2,581 79 19,390 545 37,500
2015 472 18,695 88 22,905 634 101,400
2016 450 4,204 77 3,461 590 19,400
2017 564 6,594 74 10,645 712 106,400
2018 612 7,085 79 68,304 768 100,500
2019 691 2,389 72 3,669 823 41,500
2020 796 2,725 100 7,452 997 34,200
2021 849 11,175 78 5,914 1028 81,300
2022 712 1,867 110 5,813 875 33,987

(1) Components may not add to totals due to rounding and inclusion of miscellaneous companies. Includes transactions where a U.S. company was the acquirer and/or the target.

Source: ©2023 Conning, Inc., 2022: Global Mergers & Acquisitions in the Insurance Industry. Used with permission.

Reported Global Insurance-Related Mergers And Acquisitions By Sector, U.S. And Non-U.S. Acquirers, 2022 (1)

  Number of transactions Transaction values ($ millions)
Sector U.S. (2) Non-U.S. (3) Total U.S. (2) Non-U.S. (3) Total
Underwriting            
   Property/casualty 32 45 77 $13,297 $2,031 $15,328
   Life/annuity 9 29 38 70 8,664 8,734
   Health/managed care 12 7 19 12,940 3,379 16,319
Total 53 81 134 $26,307 $14,074 $40,381
Distribution and services            
   Distribution 712 220 932 $1,867 $764 $2,631
   Services 110 15 125 5,813 0 5,813 
Total 822 235 1,057 $7,680 $764 $8,444
Total, all sectors 875 316 1,191 $33,987 $14,838 $48,825

(1) Components may not add to totals due to rounding and inclusion of miscellaneous companies.
(2) Includes transactions where a U.S. company was the acquirer and/or the target.
(3) Includes transactions where a non-U.S. company was the acquirer and the target.

Source: ©2023 Conning, Inc., 2022: Global Mergers & Acquisitions in the Insurance Industry. Used with permission.

Directors and Officers Insurance, 2013-2022 (1)

Year Direct premiums written (2) Annual percent change Direct losses incurred Direct incurred loss ratio
2013 $6,012 5.9% $2,947 50.0%
2014 6,432 7.0 3,112 49.3
2015 6,429 (3) 3,690 57.5
2016 6,435 0.1 3,542 55.7
2017 6,457 0.3 3,990 62.4
2018 6,391 -1.0 3,938 62.8
2019 7,650 19.7 4,132 60.0
2020 10,780 40.9 5,446 60.9
2021 14,931 38.5 7,055 54.7
2022 13,552 -9.2 8,466 58.5

(1) Includes property/casualty insurers that provided monoline directors and officers policies. The coverage may also be purchased as part of a package commercial multiperil policy. Does not include directors and officers policies sold as part of a package commercial multiperil policy. The directors and officers portion of commercial multiperil policies does not represent a material amount of industry directors and officers premiums written.
(2) Before reinsurance transactions.
(3) Less than 0.1 percent.

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

Estimated Asbestos Losses, 2013-2022 (1)

    Losses  
Year Beginning reserve Incurred (2) Paid Ending reserve (3)
2013 $20.4 $2.0 $2.1 $20.3
2014 20.3 1.5 2.4 19.4
2015 19.4 1.7 2.8 18.3
2016 18.6 1.5 3.0 17.1
2017 16.9 1.7 1.8 16.8
2018 16.8 0.8 1.9 15.7
2019 15.7 1.1 1.7 15.1
2020 15.1 1.4 1.5 14.9
2021 14.7 1.0 1.5 14.2
2022 14.1 0.9 1.6 13.4

(1) All amounts are net of reinsurance recoveries.
(2) Incurred losses are losses related to events that have occurred, regardless of whether or not the claims have been paid, net of reinsurance. Includes loss adjustment expenses.
(3) Because of changes in the population of insurers reporting data each year, the beginning reserve may not equal the ending reserve of the prior year.

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

Insurance In Emerging Markets, 2022

  Direct premiums
written, 2022
( US$ millions)		 Percent change
from 2021 (1)		 Share of
world market		 Premiums as
a percent
of GDP (2)		 Premiums
per capita
($US)
Total industry          
Advanced markets  $5,496,878 -0.2% 81% 9.5% $5,035
Emerging markets 1,285,367  2.2% 19 3.0 187
     Total 6,782,245  0.3% 100% 6.8% $853
Life          
Advanced markets   2,140,475  -5.9% 76.1% 3.7% $1,973
Emerging markets 672,557  0.9% 23.9 1.6 98
     Total 2,813,032  -4.3% 100% 2.8% $354
Non-life          
Advanced markets   3,356,403  3.8% 84.6% 5.8% $3,061
Emerging markets 612,800  3.6% 15.4 1.4 89
     Total 3,969,203  3.8% 100% 4.0% $499

(1) Inflation-adjusted.
(2) Gross domestic product.

Source: Swiss Re, sigma, No. 4/2022.

Total Traffic Fatalities And Pedalcyclist Traffic Fatalities And Fatality Rates By City, 2021 (1)

      Pedalcyclists Fatality rate per 100,000 population
City (2) Resident
population		 Total traffic
fatalities		 Fatalities As a percent of
total traffic
fatalities		 Total Pedalcyclist Pedalcyclist
rank (3)
New York, NY 8,467,513 252 8 3.20% 2.98 0.09 25
Los Angeles, CA 3,849,297 332 12 3.60 8.62 0.31 16
Chicago, IL 2,696,555 233 11 4.70 8.64 0.41 12
Houston, TX 2,288,250 337 12 3.60 14.73 0.52 7
Phoenix, AZ 1,624,569 291 10 3.40 17.91 0.62 4
Philadelphia, PA 1,576,251 133 7 5.30 8.44 0.44 11
San Antonio, TX 1,451,853 200 6 3.00 13.78 0.41 12
San Diego, CA 1,381,611 118 5 4.20 8.54 0.36 14
Dallas, TX 1,288,457 228 3 1.30 17.7 0.23 18
San Jose, CA 983,489 76 5 6.60 7.73 0.51 8
Austin, TX 964,177 118 4 3.40 12.24 0.41 12
Jacksonville, FL 954,614 180 6 3.30 18.86 0.63 3
Fort Worth, TX 935,508 128 2 1.60 13.68 0.21 19
Columbus, OH 906,528 97 3 3.10 10.7 0.33 15
Indianapolis, IN 882,039 144 6 4.20 16.33 0.68 2
Charlotte, NC 879,709 109 2 1.80 12.39 0.23 18
San Francisco, CA 815,201 31 0 (4) 3.8 (5) 26
Seattle, WA 733,919 45 3 6.70 6.13 0.41 12
Denver, CO 711,463 68 1 1.50 9.56 0.14 24
Oklahoma City, OK 687,725 100 2 2.00 14.54 0.29 17
Nashville, TN 678,851 118 0 (4) 17.38 (5) 26
El Paso, TX 678,415 82 0 (4) 12.09 (5) 26
Washington, DC 670,050 41 3 7.30 6.12 0.45 10
Boston, MA 654,776 32 0 (4) 4.89 (5) 26
Las Vegas, NV 646,790 34 0 (4) 5.26 (5) 26
Portland, OR 641,162 63 0 (4) 9.83 (5) 26
Detroit, MI 632,464 150 1 0.70 23.72 0.16 23
Louisville, KY 628,594 106 3 2.80 16.86 0.48 9
Memphis, TN 628,127 238 3 1.30 37.89 0.48 9
Baltimore, MD 576,498 48 1 2.10 8.33 0.17 22
Milwaukee, WI 569,330 71 1 1.40 12.47 0.18 21
Albuquerque, NM 562,599 133 3 2.30 23.64 0.53 6
Fresno, CA 544,510 81 3 3.70 14.88 0.55 5
Tucson, AZ 543,242 114 7 6.10 20.99 1.29 1
Sacramento, CA 525,041 70 1 1.40 13.33 0.19 20
Mesa, AZ 509,475 56 2 3.60 10.99 0.39 13
Kansas City, MO 508,394 81 0 (4) 15.93 (5) 26

(1) Ranked by city population. Pedalcyclists are defined by the National Highway Safety Administration as bicyclists and other cyclists including riders of two-wheeled, nonmotorized vehicles, tricycles and unicycles.
(2) Population of 500,000 or more.
(3) Cities with the same pedalcyclist fatality rate per million population receive the same rank.
(4) Less than 0.1 percent.
(5) Less than 0.01 per 100,000 population.

Source: U.S. Department of Transportation, National Highway Traffic Safety Administration; U.S. Census Bureau.

Motor Vehicle Traffic Crash Fatalities, Pedalcyclist Fatalities, And Fatality Rates By State, 2021 (1)

    Pedalcyclists 
 State  Resident population
(000)		 Total traffic
fatalities 		  Fatalities  Percent of total
traffic fatalities		 Fatalities  
100,000 population
Alabama  5,040 983 7 0.70% 0.14%
Alaska  733 67 2 3.00 0.27
Arizona  7,276 1,180 45 3.80 0.62
Arkansas  3,026 693 10 1.40 0.33
California  39,238 4,285 125 2.90 0.32
Colorado  5,812 691 15 2.20 0.26
Connecticut  3,606 298 3 1.00 0.08
Delaware  1,003 136 2 1.50 0.20
District of Columbia  670 41 3 7.30 0.45
Florida  21,781 3,738 197 5.30 0.90
Georgia  10,800 1,797 15 0.80 0.14
Hawaii  1,442 94 4 4.30 0.28
Idaho  1,901 271 3 1.10 0.16
Illinois  12,671 1,334 34 2.50 0.27
Indiana  6,806 932 21 2.30 0.31
Iowa  3,193 356 11 3.10 0.34
Kansas  2,935 424 4 0.90 0.14
Kentucky  4,509 806 10 1.20 0.22
Louisiana  4,624 972 34 3.50 0.74
Maine  1,372 153 2 1.30 0.15
Maryland  6,165 561 6 1.10 0.10
Massachusetts  6,985 417 5 1.20% 0.07
Michigan  10,051 1,136 29 2.60 0.29
Minnesota  5,707 488 9 1.80 0.16
Mississippi  2,950 772 16 2.10 0.54
Missouri  6,168 1,016 7 0.70 0.11
Montana  1,104 239 3 1.30 0.27
Nebraska  1,964 221 1 0.50 0.05
Nevada  3,144 385 6 1.60 0.19
New Hampshire  1,389 118 2 1.70% 0.14
New Jersey  9,267 699 23 3.30 0.25
New Mexico  2,116 481 6 1.20 0.28
New York  19,836 1,157 33 2.90 0.17
North Carolina  10,551 1,663 23 1.40 0.22
North Dakota  775 101 1 1.00 0.13
Ohio  11,780 1,354 30 2.20 0.25
Oklahoma  3,987 762 12 1.60 0.30
Oregon  4,246 599 18 3.00 0.42
Pennsylvania  12,964 1,230 21 1.70 0.16
Rhode Island  1,096 63 2 3.20 0.18
South Carolina  5,191 1,198 23 1.90 0.44
South Dakota  895 148 0 (2) (3)
Tennessee  6,975 1,327 7 0.50 0.1
Texas  29,528 4,498 91 2.00 0.31
Utah  3,338 328 6 1.80 0.18
Vermont  646 74 0 (2) (3)
Virginia  8,642 973 16 1.60 0.19
Washington  7,739 670 14 2.10 0.18
West Virginia  1,783 280 0 (2) (3)
Wisconsin  5,896 620 9 1.50 0.15
Wyoming  579 110 0 (2) (3)
U.S. Total  331,894 42,939 966 2.20% 0.29%

(1) Bicyclists are defined by the National Highway Safety Administration as pedalcyclists, which are bicyclists and othe cyclists including riders of two-wheeled, nonmotorized vehicles, tricycles and unicycles.
(2) Less than 0.1 percent.
(3) Less than 0.01 per 100,000 population.

Source: U.S. Census Bureau, National Highway Safety Administration.

Pedalcyclists Killed And Fatality Rates By Age, 2021 (1)

Age group Killed Population (000) Fatality rate
per million population
Under 5 4 18,827,338 0.02
5 to 9 9 20,291,548 0.04
10 to 14 25 21,447,784 0.12
Children (14 and under) 38 60,566,670 0.06
15 to 20 50 25,911,345 0.19
21 to 24 32 17,177,318 0.19
25 to 29 53 22,392,477 0.24
30 to 34 48 23,102,628 0.21
35 to 39 69 22,299,318 0.31
40 to 44 74 21,104,536 0.35
45 to 49 55 19,781,510 0.28
50 to 54 83 20,906,926 0.40
55 to 59 127 21,567,314 0.59
60-64 127 21,235,750 0.60
65-69 72 18,394,320 0.39
70 to 74 49 15,271,802 0.32
75 to 79 48 9,904,769 0.48
80 and over 23 12,277,062 0.19
Seniors (65 and over) 192 55,847,953 0.34
Total (2) 966 331,893,745 0.29

(1) Pedalcyclists are defined by the National Highway Safety Administration as bicyclists and othe cyclists including riders of two-wheeled, nonmotorized vehicles, tricycles and unicycles.
(2) Includes pedalcyclists of unknown age.

Source: U.S. Department of Transportation, National Highway Traffic Safety Administration; Bureau of the Census.

Total Motor Vehicle and Pedalcyclist Fatalities, 2012-2021 (1)

  Fatalities  
Year Total Pedalcyclist Pedalcyclists as a
percent of
total fatalities
2012 33,782 734 2.2%
2013 32,893 749 2.3
2014 32,744 729 2.2
2015 35,484 829 2.3
2016 37,806 853 2.3
2017 37,473 806 2.2
2018 36,835 871 2.4
2019 36,355 859 2.4
2020 39,007 948 2.4
2021 42,939 966 2.2

(1) Pedalcyclists are defined by the National Highway Safety Administration as bicyclists and other cyclists including riders of two-wheeled, nonmotorized vehicles, tricycles and unicycles.

Source: National Highway Traffic Administration.

Atlantic And Gulf Coast States Ranked By Building Codes and Related Factors, 2012 to 2021 (1)

Rank State 2012 2015 2018 2021
1 Florida 95 94 95 95
2 Virginia 95 95 94 94
3 South Carolina 84 92 92 92
4 New Jersey 93 89 90 90
5 Connecticut 81 88 89 89
6 Rhode Island 78 87 87 89
7 North Carolina 81 84 83 88
8 Louisiana 73 82 83 82
9 Massachusetts 87 79 81 78
10 Maryland 73 78 78 78
11 Georgia 66 69 68 69
12 New York 60 56 64 60
13 Maine 64 55 54 55
14 New Hampshire 49 48 46 48
15 Texas 18 36 34 34
16 Alabama 18 26 27 30
17 Mississippi 4 28 28 29
18 Delaware 17 17 17 17

(1) Rating based on the current statewide residential building code, the processes in place to ensure uniform code application, state and local enforcement programs, licensing and education of building officials, contractors, and
subcontractors.

Source: Insurance Institute for Business and Home Safety.

Private Passenger Auto Insurance Industry Underwriting Expenses, 2022 (1)

Expense Percent of premiums
Losses and related expenses (2)  
Loss and loss adjustment expense (LAE) ratio 90.2%
    Incurred losses 79.9
    Defense and cost containment expenses incurred 2.4
    Adjusting and other expenses incurred 7.9
Operating expenses (3)  
Expense ratio 21.7%
    Net commissions and brokerage expenses incurred 8.2
    Taxes, licenses and fees 2.1
    Other acquisition and field supervision expenses incurred 6.8
    General expenses incurred 4.63
Dividends to policyholders (2) 0.4%
Combined ratio afterr dividends (4) 112.3%

(1) After reinsurance transactions.
(2) As a percent of net premiums earned ($261.4 billion in 2022).
(3) As a percent of net premiums written ($267.4 billion in 2022).
(4) Sum of loss and LAE, expense and dividends ratios. Calculated from unrounded numbers.

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

Motorcyclist Injuries And Injury Rates, 2012-2021

Year Injuries Registered
motorcycles		 Injury rate per 100,000
registered motorcycles		 Vehicle miles
traveled (millions)		 Injury rate
per 100 million
vehicle miles traveled
2012 93,251 8,454,939 1,103 21,385 436
2013 88,760 8,404,687 1,056 20,366 436
2014 91,987 8,417,718 1,093 19,970 461
2015 88,738 8,600,936 1,032 19,606 453
2016 (1) 104,442 8,679,380 1,203 20,445 511
2017 88,592 8,664,108 1,023 20,149 440
2018 81,859 8,659,741 945 20,076 408
2019 83,814 8,596,314 975 19,688 426
2020 78,944 8,347,435 946 17,947 440
2021 82,686 9,881,414 837 19,738 419

(1) NHTSA began using police-reported crash data from the Crash Report Sampling System, replacing the National Automotive Sampling System
General Estimates System (GES). NCSA has also changed the methodology of estimating people nonfatally injured in motor vehicle traffic crashes.

Source: U.S. Department of Transportation, National Highway Traffic Safety Administration; Federal Highway Administration.

Motorcyclist Fatalities And Fatality Rates, 2012-2021

Year Fatalities Registered
motorcycles		 Fatality rate per 100,000
registered motorcycles		 Vehicle miles
traveled (millions)		 Fatality rate
per 100 million
vehicle miles traveled
2012 4,986 8,454,939 58.97 21,385 23.32
2013 4,692 8,404,687 55.83 20,366 23.04
2014 4,594 8,417,718 54.58 19,970 23.00
2015 5,029 8,600,936 58.47 19,606 25.65
2016 5,337 8,679,380 61.49 20,445 26.10
2017 5,226 8,664,108 60.32 20,149 25.94
2018 5,038 8,659,741 58.18 20,076 25.09
2019 5,044 8,596,314 58.68 19,688 25.62
2020 5,506 8,347,435 65.96 17,947 30.68
2021 5,932 9,881,414 60.03 19,738 30.05

Source: U.S. Department of Transportation, National Highway Traffic Safety Administration; Federal Highway Administration.

U.S. Excess And Surplus Lines Direct Premiums Written By State, 2024 (1)

($000)
State Direct
premiums
written		 Percent of
total
U.S. surplus
lines market		 State Direct
premiums
written		 Percent of
total
U.S. surplus
lines market
Alaska $209,387 0.2% Montana $272,748 0.3%
Alabama 1,293,758 1.3 North Carolina 1,634,241 1.7
Arkansas 570,412 0.6 North Dakota 175,089 0.2
Arizona 1,370,067 1.4 Nebraska 335,614 0.3
California 18,080,355 18.4 New Hampshire 200,418 0.2
Colorado 1,878,381 1.9 New Jersey 2,787,422 2.8
Connecticut 973,768 1.0 New Mexico 315,387 0.3
D.C. 417,823 0.4 Nevada 805,105 0.8
Delaware 382,695 0.4 New York 7,531,292 7.7
Florida 12,692,187 12.9 Ohio 1,735,808 1.8
Georgia 2,690,433 2.7 Oklahoma 876,678 0.9
Hawaii 618,178 0.6 Oregon 853,842 0.9
Iowa 638,354 0.7 Pennsylvania 2,411,493 2.5
Idaho 314,376 0.3 Rhode Island 296,257 0.3
Illinois 3,338,683 3.4 South Carolina 1,672,001 1.7
Indiana 1,255,665 1.3 South Dakota 119,203 0.1
Kansas 495,326 0.5 Tennessee 1,407,583 1.4
Kentucky 527,730 0.5 Texas 11,760,988 12.0
Louisiana 2,425,084 2.5 Utah 705,618 0.7
Massachusetts 1,975,509 2.0 Virginia 1,405,683 1.4
Maryland 956,722 1.0 Vermont 138,562 0.1
Maine 186,910 0.2 Washington 1,914,774 2.0
Michigan 1,274,362 1.3 Wisconsin 757,568 0.8
Minnesota 1,058,977 1.1 West Virginia 200,613 0.2
Missouri 1,303,814 1.3 Wyoming 139,235 0.1
Mississippi 796,369 0.8      

(1) Excludes Lloyd’s of London and territories.

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

U.S. Excess And Surplus Lines Direct Premiums Written, 2015-2024 (1)

($000)
Year Direct premiums written Annual percent change
2015 $29,276,726 2.7%
2016 29,465,060 0.6
2017 30,987,127 5.2
2018 34,099,993 10.0
2019 39,710,184 16.5
2020 46,960,203 18.3
2021 62,900,601 33.9
2022 75,512,886 20.1
2023 86,550,266 14.6
2024 98,178,551 13.4

(1) Excludes Lloyd’s of London and territories.

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

Net Premiums Written By Line, Property/Casualty Insurance, 2020-2022 (1)

($ millions)
        Percent change from
prior year		  
Lines of insurance 2020 2021 2022 2020 2021 2022 Percent of
total, 2022
Private passenger auto $243,651,281 $252,882,414 $268,045,439 -1.63% 3.79% 6.00% 34.51%
     Liability 144,102,547 148,417,736 155,139,440 -2.16 2.99 4.53 19.97
     Collision and comprehensive 99,548,734 104,464,678 112,905,999 -0.85 4.94 8.08 14.54
Homeowners multiple peril 96,337,734 103,388,421 113,858,720 4.39 7.32 10.13 14.66
Other liability (2) 69,379,884 84,584,864 94,186,453 14.69 21.92 11.35 12.13
Commercial auto 39,901,657 46,589,757 51,656,787 2.64 16.76 10.88 6.65
Commercial multiple peril 40,914,936 43,743,410 48,407,994 5.25 6.91 10.66 6.23
Workers compensation 42,614,903 43,137,129 47,547,324 -9.58 1.23 10.22 6.12
     Liability 30,005,121 35,469,922 39,381,556 2.64 18.21 11.03 5.07
Reinsurance (3) 18,918,325 20,634,051 24,032,117 28.22 9.07 16.47 3.09
Inland marine 14,880,594 17,618,563 21,241,774 -4.52 18.40 20.56 2.73
Fire 13,187,551 15,559,866 16,466,032 10.58 17.99 5.82 2.12
Allied lines  13,150,666 14,766,856 15,651,733 19.96 12.29 5.99 2.02
     Collision and comprehensive 9,896,536 11,119,835 12,275,231 2.66 12.36 10.39 1.58
Medical professional liability 9,047,840 10,001,987 10,576,645 4.10 10.55 5.75 1.36
Multiple peril crop 6,128,131 7,453,144 10,261,858 -5.31 21.62 37.68 1.32
Accident and health (4) 9,485,315 8,865,443 9,528,996 1.75 -6.54 7.48 1.23
Surety 6,677,154 7,110,412 8,237,722 1.92 6.49 15.85 1.06
Other lines (5) 1,448,177 6,568,314 1,646,926 -15.46 353.56 -74.93 0.21
International 326,356 5,387,728 305,604 -31.79 1550.87 -94.33 0.04
Farmowners multiple peril 4,436,804 5,343,486 5,636,129 2.70 20.44 5.48 0.73
Mortgage guaranty 4,765,343 4,684,479 4,274,086 -2.01 -1.70 -8.76 0.55
Ocean marine 3,441,080 3,900,882 4,129,969 8.15 13.36 5.87 0.53
Product liability 3,237,200 3,559,032 4,285,842 7.38 9.94 20.42 0.55
Boiler and machinery 2,827,603 3,369,342 3,641,220 10.88 19.16 8.07 0.47
Earthquake 2,349,315 2,894,251 3,058,911 20.13 23.20 5.69 0.39
Credit 1,792,462 1,826,121 2,157,639 -3.68 1.88 18.15 0.28
Aircraft 1,503,047 1,695,569 1,896,339 25.97 12.81 11.84 0.24
Warranty 1,238,136 1,426,670 1,238,289 7.17 15.23 -13.20 0.16
Fidelity 1,338,685 1,364,872 1,373,409 5.04 1.96 0.63 0.18
Excess workers compensation 886,907 929,024 965,606 -4.75 4.75 3.94 0.12
Private crop 623,990 711,267 1,015,832 -9.09 13.99 42.82 0.13
Private Flood 302,445 524,211 774,279 5.31 73.32 47.70 0.10
Burglary and theft 350,909 427,537 553,100 5.59 21.84 29.37 0.07
Financial guaranty 448,455 372,541 332,216 14.65 -16.93 -10.82 0.04
Federal flood (6) 14,019 16,738 -541 2.26 19.40 -103.23 (7)
Total, all lines (8)   $655,589,295 $715,950,614 $776,678,854 2.54% 9.21% 8.48% 100.00%

(1) After reinsurance transactions, excludes state funds.
(2) Coverages protecting against legal liability resulting from negligence, carelessness or failure to act.
(3) Only includes nonproportional reinsurance, an arrangement in which a reinsurer makes payments to an insurer whose losses exceed a predetermined amount.
(4) Premiums from certain insurers that write health insurance but file financial statements with state regulators on a property/casualty basis.
(5) Includes miscellaneous coverages.
(6) Provided by FEMA through participating private insurers.
(7) Less than 0.1 percent.
(8) May not match total premiums shown elsewhere in this book because of the use of different exhibits from SNL Financial LC.

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

Top Five Metropolitan Areas At Risk for Storm Surge and Hurricane Wind, 2023

  Single-family (1)
    At risk for storm surge     At risk for hurricane wind
Rank (2) Metropolitan area Number Reconstruction
cost value (2)
($ billions)		 Rank (2) Metropolitan area Number Reconstruction
cost value (2)
($ billions)
1  New York, Newark, Jersey City 788,261 $406.4 1  New York, Newark, Jersey City 3,825,243 $2,145.6
2 Miami, Fort Lauderdale, Pompano Beach 746,602 211.4 2 Houston, The Woodlands, Sugar Land 2,085,879 643.1
3 Tampa, St. Petersberg, Clearwater 540,411 145.5 3 Miami, Fort Lauderdale, Pompano Beach 2,018,040 562.9
4 New Orleans, Metairie 405,975 127.0 4 Philadelphia, Camden, Wilmington 1,927,600 862.7
5 Virginia Beach, Norfolk, Newport News 399,326 122.7 5 Washington DC, Arlington, Alexandria 1,766,435 704.8
  Multi-family (3)
    At risk for storm surge     At risk for hurricane wind
Rank (2) Metropolitan area Number Reconstruction
cost value (2)
($ billions)		 Rank (2) Metropolitan area Number Reconstruction
cost value (2)
($ billions)
1  New York, Newark, Jersey City 111,165 $66.9 1  New York, Newark, Jersey City 467,227 $278.1
2 Miami, Fort Lauderdale, Pompano Beach 31,428 9.9 2 Washington DC, Arlington, Alexandria 100,649 26.5
3 Boston, Cambridge, Newton 26,811 14.8 3 Boston, Cambridge, Newton 82,780 62.2
4 Cape Coral, Fort Myers 13,894 4.8 4 Miami, Fort Lauderdale, Pompano Beach 64,902 22.1
5 Tampa, St. Petersberg, Clearwater 12,572 4.4 5 Philadelphia, Camden, Wilmington 59,208 36.1

(1) Residential structures less than four stories, including mobile homes, duplexes, manufactured homes and cabins.
(2) Combines materials, equipment and labor, but does not include the value of the land or lot.
(3) Apartments, condominiums and multi-unit dwellings.

Source: CoreLogic®, a property data and analytics company.

U.S. Hurricane Wind Risk, Gulf and Atlantic States, 2023

  Single-family residential
homes potentially affected (1)		 Multifamily residential
homes potentially affected (2)
Hurricane wind risk level (3) Number of units Reconstruction
cost value (4)
($ billions)		 Number of units Reconstruction
cost value (4)
($ billions)
Extreme 6,366,925 $1,843.0 125,218 $45.9
Very high or greater 14,797,190 4,445.0 229,932 91.8
High or greater 22,304,482 7,420.5 661,973 353.8
Moderate or greater 32,084,697 11,085.1 992,979 559.8

(1) Residential structures less than four stories, including mobile homes, duplexes, manufactured homes and cabins.
(2) Apartments, condominiums and multi-unit dwellings.
(3) The risk categories are cumulative and increase in value from extreme to moderate or greater. The moderate or greater wind risk level encompasses all four wind risk levels.”
(4) Combines materials, equipment and labor, but does not include the value of the land or lot.

Source: CoreLogic®, a property data and analytics company. May not be re-sold, republished or licensed to any other source without prior written permission from CoreLogic.

Homeowners Insurance Losses, 2017-2021 (1)

Year Claim frequency (2) Claim severity (3) Year Claim frequency (2) Claim severity (3)
2017 6.44 $15,928 2020 6.28 14,844
2018 6.21 14,563 2021 5.32 16,048
2019 5.35 14,031 Average (4) 5.92 15,091

(1) For homeowners multiple peril policies (HO-2, HO-3, HO-5 and HE-7 for North Carolina). Excludes tenants and condominium policies. Excludes Alaska, Texas and Puerto Rico.
(2) Claims per 100 house-years (policies). One house-year represents policy coverage on a dwelling for 12 months.
(3) Average amount paid per claim; based on accident year incurred losses, excluding loss adjustment expenses, i.e., indemnity costs per accident year incurred claims.
(4) Weighted average, 2017-2021.

Source: ISO®, a Verisk Analytics® business.

Insurance Provided by Fair Plans By State, Fiscal Year 2022 (1)

  Number of policies    
State Habitational Commercial Total Exposure (2)
($000)		 Direct premiums
written ($000)
California 254,478 6,943 261,421 $209,808,071 $649,649
Connecticut  1,159 40 1,199 243,164 $1,731
Delaware 1,078 55 1,133 203,941 462
D.C. 107 10 117 43,954 132
Florida (3) 1,214,351 6,546 1,220,897 422,953,352 3,190,080
Georgia 9,217 326 9,543 1,424,777 12,433
Illinois 2,441 68 2,509 260,925 3,166
Indiana 660 39 699 1,918 1,718
Iowa 794 13 807 54,481 691
Kansas 12,138 166 12,304 794,447 7,132
Kentucky 4,989 221 5,210 229,641 2,681
Louisiana (3) 146,056 8,451 154,507 40,935,450 424,637
Maryland 689 41 730 280,471 583
Massachusetts 197,010 167 197,177 90,572,584 313,923
Michigan 15,270 234 15,504 2,246,608 10,351
Minnesota 3,764 55 3,819 311,237 3,007
Mississippi (4) 2,891 N/A 2,891 170,503 2,085
Missouri 1,954 87 2,041 166,419 1,757
New Jersey 7,593 199 7,792 1,133,706 5,239
New Mexico 7,409 253 7,662 790,570 4,497
New York 20,814 2,383 23,197 6,892,000 26,755
North Carolina 211,662 6,844 218,506 33,404,590 153,287
Ohio 10,930 248 11,178 3,502,565 11,096
Oregon 1,722 69 1,791 355,032 1,359
Pennsylvania 9,462 849 10,311 1,080,321 4,316
Rhode Island 12,859 90 12,949 4,090,489 23,330
Texas (4) 66,488 N/A 66,488 11,301,744 76,881
Virginia 22,118 422 22,540 3,509,847 15,818
Washington 116 82 198 70,150 442
West Virginia 276 44 320 25,984 224
Wisconsin 3,822 114 3,936 471,781 2,353
Total 2,244,317 35,059 2,279,376 $837,330,722 $4,951,815

(1) Excludes the FAIR Plans of Arkansas and Hawaii.
(2) Exposure is the estimate of the aggregate value of all insurance in force in all FAIR Plans in all lines (except liability, where applicable, and crime) for 12 months ending September through December.
(3) Citizens Property Insurance Corporation, which combined the FAIR and Beach Plans.
(4) The Mississippi and Texas FAIR Plans do not offer a commercial policy.

Source: Property Insurance Plans Service Office (PIPSO).

Top 10 States For Homeowners Insurance Lightning Losses By Number Of Claims, 2022

Rank State Value of claims
($ millions)		 Number
of Claims		 Average cost
per claim
1 Florida $80.20 5,504 $14,562
2 Georgia 56.7 4,474 12,665
3 Texas 103.3 4,085 25,286
4 California 125.3 3,450 36,319
5 North Carolina 29.3 2,780 10,550
6 Alabama 29.5 2,767 10,653
7 New York 38.9 2,315 16,817
8 Louisiana 26.1 2,301 11,336
9 Virginia 30.9 1,988 15,544
10 Pennsylvania 23.8 1,956 12,155
  Top 10 states $543.9 31,620 $16,589
  All other states $407.7 30,569 $14,968
  Total U.S. $951.6 62,189 $15,280

Source: Insurance Information Institute, State Farm®.

Top 10 States For Homeowners Insurance Lightning Losses By Number Of Claims, 2023

Rank State Value of
claims		 Number of
claims		 Average cost
per claim
1 Florida $104,544,285 6,003 $17,416
2 Georgia 87,110,761 5,161 16,877
3 Texas 194,288,888 4,664 41,654
4 California 83,367,791 4,608 18,090
5 Alabama 54,981,756 3,508 15,673
6 Louisiana 35,167,375 3,050 11,529
7 North Carolina 35,544,243 2,881 12,337
8 New York 50,785,848 2,458 20,659
9 Pennsylvania 27,219,044 2,214 12,296
10 Tennessee 39,792,330 2,136 18,630
  Top 10 States $712,802,320 36,684 19,431

Source: Insurance Information Institute, State Farm®.

Homeowners Insurance Claims And Payout for Lightning Losses, 2017-2023

Year Value of claims
($ millions)		 Number of
claims		 Average cost
per claim
2017 $916.61       85,020  $10,781
2018 908.93       77,898  11,668
2019 920.05       76,860 11,971
2020 2,066.74       71,551  28,885
2021 1,313.06       60,851  21,578
2022 950.22       62,189  15,280
2023 1,239.72       70,787  17,513
Percent change      
2023-2022 30.5% 13.8% 14.6%
2023-2017 35.3% -16.7% 62.4%

Source: Insurance Information Institute, State Farm®.

Homeowners Insurance Claims And Payout for Lightning Losses, 2017-2022

Year Value of claims
($ millions)		 Number
of claims		 Average cost
per claim
2017 $917 85,020 $10,781
2018 909 77,898 11,668
2019 920 76,860 11,971
2020 2,067 71,551 28,885
2021 1,313 60,851 21,578
2022 952 62,189 15,280
Percent change       
2022-2021 -27.6% 2.2% -29.2%
2022-2017 3.7% -26.9% 41.7%

Source: Insurance Information Institute, State Farm®.

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.

Multiple Peril Crop Insurance, 2013-2022

($000)
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2013 (4) $4,942,547 -7.1% 103.3 -0.7 pts.
2014 4,189,765 -15.2 104.9 1.6
2015 3,680,768 -12.1 99.9 -5.1
2016 3,321,281 -9.8 81.7 -18.2
2017 4,742,005 42.8 95.8 14.1
2018 5,380,068 13.5 85.0 -10.8
2019 6,478,428 20.4 108.7 23.6
2020 6,128,159 -5.4 100.5 -8.2
2021 7,453,136 21.6 94.9 -5.6
2022 10,434,771 40.0 102.5 7.6

(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.
(4) Includes private crop insurance.

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

Life/Annuity Insurance Benefits And Claims, 2018-2022

($000)
  2018 2019 2020 2021 2022
Death benefits  $77,076,010 $76,038,700 $87,669,214 $97,191,604 $88,790,998
Matured endowments, excluding annual pure endowments 381,587 423,780 467,154 497,918 575,731
Annuity benefits 78,392,309 82,348,469 86,023,032 92,164,218 89,702,169
Disability, accident and health benefits (1) 131,440,728 140,558,797 136,617,538 146,250,809 139,597,931
Coupons, pure endowment and similar benefits  11,216 4,327 4,297 5,828 3,489
Surrender benefits, withdrawals for life contracts  350,278,913 339,640,132 323,347,674 362,681,903 348,077,068
Group conversions 26,702 25,499 13,980 17,343 15,771
Interest and adjustments on deposit type contracts  9,539,457 10,044,578 9,815,812 8,832,771 12,353,781
Payments on supplementary contracts with life contingencies  2,152,431 2,413,542 2,414,306 2,288,589 2,306,488
Increase in aggregate reserve  133,760,428 110,529,379 98,016,838 80,920,839 116,247,248
Total benefits and claims $783,059,441 $762,027,202 $744,389,844 $790,851,820 $797,670,675

(1) Excludes benefits paid by health insurance companies and property/casualty insurance companies.

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

Individual Annuity Considerations, 2018-2022 (1)

($ billions)
      Total
Year Variable Fixed Amount Percent change
from prior year
2018 $100.2 $133.6 $233.8 14.9%
2019 101.9 139.8 241.7 3.4
2020 98.6 120.5 219.1 -9.4
2021 125.3 129.2 254.3 16.1
2022 102.9 209.9 312.8 23

(1) Based on LIMRA’s estimates of the total annuity sales market. Includes some considerations (i.e. premiums) that though bought in group settings involve individual buying decisions.

Source: U.S. Individual Annuities, 4th Quarter 2022, LIMRA, 2023.

Number Of U.S. Households That Own A Pet, By Type Of Animal

(millions)
Pet Number
Dog 69.0
Cat 45.3
Freshwater fish 11.8
Bird 9.9
Small animal 6.2
Reptile 5.7
Horse 3.5
Saltwater fish 2.9

Source: American Pet Products Association’s 2021-2022 National Pet Owners Survey.

Top Nine Writers Of Financial Guaranty Insurance By Direct Premiums Written, 2022

($000)
Rank Group/company Direct premiums written (1) Market share (2)
1 Assured Guaranty Ltd. $258,426 71.3%
2 Build America Mutual Assurance Co. 64,246 17.7
3 Ambac Financial Group Inc. 18,959 5.2
4 MBIA Inc. 13,108 3.6
5 Syncora Guarantee Inc. 3,085 0.9
6 HDI 1,639 0.5
7 Financial Guaranty Insurance Co. 1,452 0.4
8 AmTrust Financial 1,344 0.4
9 Radian Group Inc. 419 0.1

(1) Before reinsurance transactions, includes state funds.
(2) Based on U.S. total, includes territories.

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

Top 10 Writers of Accident and Health Insurance by Direct Premiums Written, 2024

($000)
Rank Group/company Direct premiums written Market share (1)
1 CVS Health Corp. $56,099,079 22.8%
2 Unitedhealth group 54,998,474 22.4
3 Cigna 29,101,946 11.9
4 MetLife Inc. 10,554,792 4.3
5 Unum Group 7,089,794 2.9
6 Mutual of Omaha 6,174,892 2.5
7 Aflac 5,258,064 2.1
8 Guardian 5,131,653 2.1
9 Sun Life Financial 4,642,861 1.9
10 Hartford Line & Accident Insurance Co. 3,983,368 1.6

(1) Based on U.S. total, excluding territories.

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

Top 10 Writers of Life Insurance Other Considerations by Direct Premiums Written, 2024

($000)
Rank Group/company Direct premiums written Market share (1)
1 Prudential Financial Inc. $18,020,968 23.2%
2 John Hancock 17,580,623 22.6
3 Transamerica 15,409,943 19.8
4 Standard 6,448,226 8.3
5 Massachusetts Mutual Life Insurance Co. 3,898,747 5.0
6 MetLife Inc. 3,675,874 4.7
7 New York Life Insurance Group 2,883,404 3.7
8 Empower 2,708,285 3.5
9 Securian 2,403,312 3.1
10 Mutual of America Life Insurance Co. 1,826,755 2.4

(1) Based on U.S. total, excluding territories.

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

Top 10 Writers of Life Insurance Deposit Type Contracts by Direct Premiums Written, 2024

($000)
Rank Group/company Direct premiums written Market share (1)
1 MetLife Inc. $73,527,368 21.5%
2 Equitable Holdings 67,735,402 19.8
3 Western & Southern Financial 26,557,309 7.8
4 Empower 24,622,225 7.2
5 Principal Financial Group Inc. 24,154,411 7.1
6 New York Life Insurance Group 20,749,063 6.1
7 Pacific Life 16,083,935 4.7
8 Athene 13,820,083 4.0
9 Northwestern Mutual 9,103,921 2.7
10 Massachusetts Mutual Life Insurance Co. 6,330,127 1.9

(1) Based on U.S. total, excluding territories.

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

Top 10 States With The Most Number Of Motor Vehicle Thefts, 2021-2022

Rank State 2022 (1) 2021 Percent change
2021-2022
1 California 202,685 201,034 1%
2 Texas 105,015 95,082 10
3 Washington 46,939 35,921 31
4 Florida 45,973 43,250 6
5 Colorado 42,237 38,570 10
6 Illinois 38,649 28,677 35
7 Ohio 29,913 28,107 6
8 Missouri 29,345 26,630 10
9 New York 28,292 23,088 23
10 Georgia 26,529 26,238 1

(1) Law Enforcement Agencies may still be reporting thefts for 2022, and these numbers may change.

Source:  National Insurance Crime Bureau.

Estimated Percentage of Uninsured Motorists by State, 2023 (1)

State Uninsured Rank (2) State Uninsured Rank (2)
Alabama 16.8% 15 Montana 7.2% 47
Alaska 12.5 24 Nebraska 9.5 42
Arizona 10.6 37 Nevada 11.1 35
Arkansas 12.1 26 New Hampshire 10.0 40
California 20.4 8 New Jersey 14.1 20
Colorado 19.7 9 New Mexico 24.1 2
Connecticut 11.8 29 New York 8.6 44
Delaware 17.6 13 North Carolina 11.8 29
D.C.   3 North Dakota 10.6 37
Florida (3) 20.6 7 Ohio 18.5 12
Georgia 19.0 11 Oklahoma 12.0 27
Hawaii 9.6 41 Oregon 14.7 18
Idaho 6.4 49 Pennsylvania 11.0 36
Illinois 15.2 17 Rhode Island 12.4 25
Indiana 14.0 22 South Carolina 10.3 39
Iowa 11.4 33 South Dakota 9.4 43
Kansas 12.0 27 Tennessee 21.3 5
Kentucky 14.1 20 Texas 14.5 19
Louisiana 11.7 32 Utah 6.2 50
Maine 5.7 51 Vermont 11.8 29
Maryland 16.9 14 Virginia 12.9 23
Massachusetts 7.9 45 Washington 19.1 10
Michigan 22.3 4 West Virginia 7.8 46
Minnesota 11.3 34 Wisconsin 15.6 16
Mississippi 28.2 1 Wyoming 6.7 48
Missouri 20.7 6      

(1) Percentage of uninsured drivers, as measured by the ratio of uninsured motorists (UM) claims to bodily injury (BI) claims frequencies.
(2) Rank calculated from unrounded data.
(3) In Florida, compulsory auto laws apply to personal injury protection (PIP) and physical damage, but not to third party bodily injury coverage.

Source: Insurance Research Council.

Top 10 Costliest U.S. Winter Events By Insured Losses, 1950-2022 (1)

($ millions)
        Insured loss
Rank Date Event Location When occurred In 2022 dollars (2)
1 Feb. 12-20, 2021 Polar Vortex, Texas Freeze TX, OR, WA, CO, NV, AR, OK, GA, NC, FL, IL,
IN, IA, WI, OH, PA, VA, NC, SC, LA, MO, MS		 $15,000 $17,031
2 Mar. 11-14, 1993 Blizzard  AL, CT, DE, FL, GA, KY, LA, MA, MD, ME, MS,
NC, NH, NJ, NY, OH, PA, RI, SC, TN, TX, VA,
VT, WV		 2,000 4,413
3 Dec. 21-26, 2022 Winter storm Nationwide 3,500 3,500
4 Feb. 16-22, 2015 Winter storm, winter damage CT, DC, DE, IL, KY, MA, MD, ME, MI, NC, NH,
NJ, NY, OH, PA, RI, SC, TN, VA, VT		 2,100 2,669
5 Dec. 17-30, 1983 Winter damage, cold wave AL, AR, CO, CT, DE, FL, GA, IA, ID, IL, IN, KS,
KY, LA, MA, MD, MI, MN, MO, MS, MT, NC,
ND, NE, NJ, NY, OH, OK, OR, PA, RI, SC,
SD, TN, TX, UT, VA, WA, WI, WV, WY		 880 2,591
6 Jan. 5-8, 2014 Winter damage, cold wave  AL, GA, IL, IN, KY, MD, MI, MO, MS, NC, NJ,
NY, OH, PA, SC, TN, VA		 1,670 2,130
7 Dec. 10-13, 1992 Winter storm CT, DE, MA, MD, NJ, NY, PA, RI, VA, WV 1,000 2,102
8 Nov. 24-30, 1950 Winter storm CT, DE, MA, MD, ME, NH, NJ, NY, PA, RI, VT 170 2,101
9 Mar. 1-3, 2018 Winter storm CT, DC, DE, MA, MD, NC, NJ, NY, PA, RI, VA 1,700 2,032
10 Jan. 29, 1951 Ice storm TN, TX, VA, AL, KY, MS, LA, GA, WV, VA, NC, SC 150 1,762

(1) Includes losses sustained by private insurers and government-sponsored programs such as the National Flood Insurance Program. Ranked on losses in 2021 dollars. Subject to change as loss estimates are further developed. As of January 2023.
(2) Adjusted for inflation by Aon using the U.S. Consumer Price Index.

Source: Aon.

Percent Of Mortgaged Owners Occupied Units Spending 30 Percent Or More Of Their Income On Monthly Owner Costs, 2021

State Percent (1) Rank (2) State Percent (1) Rank (2)
Alabama 23.4% 36 Montana 27.6% 17
Alaska 30.1 9 Nebraska 21.7 45
Arizona 26.4 20 Nevada 30.7 7
Arkansas 22.8 39 New Hampshire 26.2 23
California 37.5 2 New Jersey 33.3 3
Colorado 28.9 12 New Mexico 28.6 14
Connecticut 29.7 11 New York 32.7 5
Delaware 26.3 21 North Carolina 23.8 33
D.C. 26.3 21 North Dakota 21.0 47
Florida 32.8 4 Ohio 20.5 48
Georgia 25.0 29 Oklahoma 23.6 34
Hawaii 41.3 1 Oregon 30.5 8
Idaho 25.6 27 Pennsylvania 22.8 39
Illinois 26.5 19 Rhode Island 32.1 6
Indiana 19.2 51 South Carolina 25.2 28
Iowa 20.0 49 South Dakota 23.1 37
Kansas 22.1 44 Tennessee 24.2 32
Kentucky 22.5 42 Texas 28.4 15
Louisiana 27.3 18 Utah 23.5 35
Maine 24.9 30 Vermont 28.1 16
Maryland 26.1 24 Virginia 24.6 31
Massachusetts 29.8 10 Washington 28.7 13
Michigan 23.1 37 West Virginia 20.0 49
Minnesota 22.6 41 Wisconsin 22.2 43
Mississippi 26.1 24 Wyoming 25.7 26
Missouri 21.4 46 United States 27.4%  

(1) Percent of mortgaged owner-occupied housing units spending 30 percent or more of household income on selected owner costs such as all mortgage payments (first mortgage, home equity loans, etc.), real estate taxes, property insurance, utilities, fuel and condominium fees if applicable.
(2) States with the same percentages receive the same rank.

Source: U.S. Department of Commerce, Census Bureau; American Community Survey.

Odds Of Death In The United States By Selected Cause Of Injury, 2020 (1)

Cause of death Number of deaths, 2020 One-year odds Lifetime odds
Accidental poisoning by
and exposure to
noxious substances (2)		 87,404 3,770 49
Drug poisoning 83,558 3,943 51
Opioids (including both
legal and illegal)		 64,183 5,134 67
All motor vehicle accidents 42,339 7,782 101
Car occupants 6,802 48,439 629
Pedestrians 7,904 41,686 541
Motorcycle riders 5,353 61,551 799
Assault by firearm 19,383 16,999 221
Exposure to smoke, fire
and flames		 2,951 111,652 1,450
Fall on and from stairs
and steps		 2,669 123,449 1,603
Drowning and submersion
while in or falling into
swimming pool		 740 445,249 5,782
Fall on and from
ladder or scaffolding		 576 572,021 7,429
Firearms
discharge (accidental)		 400 823,710 10,698
Air and space
transport accidents		 364 905,176 11,756
Cataclysmic storm (3) 122 2,700,690 35,074
Flood 37 8,904,976 115,649
Bitten or struck by dog 62 5,314,260 69,016
Earthquake and other
earth movements		 34 9,690,710 125,853
Lightning 17 (4) (4)

(1) Based on fatalities and life expectancy in 2020. Ranked by deaths in 2020.
(2) Includes all types of medications including narcotics and hallucinogens, alcohol and gases.
(3) Includes hurricanes, tornadoes, blizzards, dust storms and other cataclysmic storms.
(4) Rates based on less than 20 deaths are likely to be unstable from year to year and are therefore not included.

Source: National Center for Health Statistics; National Safety Council.

Workplace Deaths By Selected Cause, 2020-2021 (1)

  2020 2021
Cause Number  Number  Percent of total
All transportation (includes vehicle crashes)   1,778 1,982 38%
     Vehicle crashes (2) 1,038 1,253 24
Falls   805 850 16
Exposure to harmful substances or environments   672 798 15
Intentional injury by person (includes homicides)   651 718 14
     Homicides   392 481 9
Contact with objects and equipment   716 705 14
Fires and explosions   71 76 2
Total workplace fatalities   4,764 5,190 100%

(1) From intentional and unintentional sources. Data in this chart do not add to total workplace fatalities due to the inclusion of miscellaneous injuries in the total.
(2) Roadway incidents involving motorized land vehicles.

Source: U.S. Department of Labor, Bureau of Labor Statistics, Census of Fatal Occupational Injuries.

Top 10 Global Property/Casualty Reinsurance Groups By Gross Reinsurance Written Premiums, 2021 (1)

(US$ millions)
Rank Company Gross reinsurance
premiums written		 Country
1 Munich Reinsurance Co. $32,610 Germany
2 Swiss Re Ltd. 23,131 Switzerland
3 Hannover Re S.E. (2) 21,773 Germany
4 Lloyd’s of London (3) 19,343 United Kingdom
5 Berkshire Hathaway Inc. 14,285 United States
6 SCOR RE 9,319 France
7 Everest Re Group Ltd. 9,067 Bermuda
8 ReinaisanceRe Holdings, Ltd. 7,834 Bermuda
9 China Reinsurance (Group) Corp. 6,956 China
10 PartnerRe Ltd. 6,557 Bermuda

(1) Ranked by unaffiliated gross written premiums.
(2) Net premiums earned.
(3) Lloyd’s premiums are reinsurance only. Premiums for certain groups within the rankings also may include Lloyd’s syndicate premiums when applicable.

Source: AM Best Co. Inc., Business Insurance (www.businessinsurance.com), October 2022.

Global Shipping Losses By Number Of Vessels By Region, 2011-2020 (1)

Region 2011-2020 2020
S. China, Indochina, Indonesia and Philippines 224 16
East Mediterranean and Black Sea 126 7
Japan, Korea and N. China 87 2
British Isles, N. Sea, Eng. Channel and Bay of Biscay 62 3
Arabian Gulf and approaches 42 4
West African Coast 37 3
West Mediterranean 34 NA
East African Coast 27 1
Bay of Bengal 24 NA
Russian Arctic and Bering Sea 23 3
All other regions 190 10
Total world 876 49

(1) Total losses, vessels over 100 gross tons.

NA=Data not available.

Source: Lloyd’s List Intelligence Casualty Statistics; Safety and Shipping Review 2021, Allianz Global Corporate & Specialty. Copyright © 2021.

OHV-Related Deaths And Injuries, 2016-2020 (1)

  Estimated number of deaths Estimated number of injuries (2)
    Younger than 16   Younger than 16
Year Total Number Percent
of total		 Total Number Percent
of total
2016 763 110 14% 115,500 30,700 27%
2017 749 115 15 108,100 28,300 26
2018 699 73 10 95,000 24,800 26
2019 NA NA NA 96,000 25,800 27
2020 NA NA NA 112,300 30,400 27

(1) Off-Highway Vehicles (OHV) including All-Terrain Vehicles (ATV); Recreational Off-Highway Vehicles (ROV); and Utility-Terrain Vehicles (UTV)
(2) Emergency room-treated.

NA=Data not available.

Source: U.S. Consumer Product Safety Commission.

Net Premiums Written By Line, Property/Casualty Insurance, 2019-2021 (1)

($ millions)
        Percent change from
prior year		  
Lines of insurance 2019 2020 2021 2019 2020 2021 Percent of
total, 2021
Private passenger auto $247,685,872 $243,651,281 $252,882,414 2.81% -1.63% 3.79% 35.33%
     Liability         147,278,690 144,102,547 148,417,736 1.96 -2.16 2.99 20.73
     Collision and comprehensive 100,407,182 99,548,734 104,464,678 4.09 -0.85 4.94 14.59
Homeowners multiple peril 92,290,204 96,337,734 103,388,421 4.49 4.39 7.32 14.44
Other liability (2) 60,494,343 69,401,861 84,606,821 3.38 14.72 21.91 11.82
Commercial auto 38,874,878 39,901,657 46,589,757 8.58 2.64 16.76 6.51
Commercial multiple peril 38,874,249 40,915,029 43,743,627 3.70 5.25 6.91 6.11
Workers compensation 47,127,823 42,614,903 43,138,081 -3.02 -9.58 1.23 6.03
     Liability 29,234,582 30,005,121 35,469,922 8.20 2.64 18.21 4.95
Reinsurance (3) 14,754,557 18,918,325 20,634,051 -1.03 28.22 9.07 2.88
Inland marine 15,585,196 14,880,594 17,533,980 6.93 -4.52 17.83 2.45
Fire 11,926,099 13,187,551 15,559,866 2.64 10.58 17.99 2.17
Allied lines  10,962,883 13,150,666 14,766,856 7.93 19.96 12.29 2.06
     Collision and comprehensive 9,640,296 9,896,536 11,119,835 9.75 2.66 12.36 1.55
Medical professional liability 8,691,553 9,047,840 10,001,987 3.71 4.10 10.55 1.40
Accident and health (4) 9,321,890 9,485,315 8,832,314 14.49 1.75 -6.88 1.23
Multiple peril crop 6,471,466 6,128,131 7,453,144 20.28 -5.31 21.62 1.04
Surety 6,551,189 6,677,154 7,110,412 3.04 1.92 6.49 0.99
Other lines (5) 1,713,053 1,448,177 6,568,314 -0.95 -15.46 353.56 0.92
International 478,484 326,356 5,387,728 -1.75 -31.79 1550.87 0.75
Farmowners multiple peril 4,320,341 4,436,804 5,343,486 4.76 2.70 20.44 0.75
Mortgage guaranty 4,862,883 4,765,343 4,684,479 3.61 -2.01 -1.70 0.65
Ocean marine 3,181,837 3,441,080 3,900,882 10.28 8.15 13.36 0.54
Product liability 3,014,579 3,237,200 3,559,032 7.87 7.38 9.94 0.50
Boiler and machinery 2,550,200 2,827,603 3,369,342 -1.90 10.88 19.16 0.47
Earthquake 1,955,713 2,349,315 2,894,251 10.16 20.13 23.20 0.40
Credit 1,860,996 1,792,462 1,826,381 23.16 -3.68 1.89 0.26
Aircraft 1,193,152 1,503,047 1,695,569 -2.15 25.97 12.81 0.24
Warranty 1,155,271 1,238,136 1,426,670 -7.41 7.17 15.23 0.20
Fidelity 1,274,461 1,338,685 1,364,872 4.89 5.04 1.96 0.19
Excess workers compensation 931,106 886,907 929,024 -15.18 -4.75 4.75 0.13
Private crop 686,416 623,990 711,267 -0.99 -9.09 13.99 0.10
Private flood 287,197 302,445 524,211 -46.90 5.31 73.32 (6)
Burglary and theft 332,346 350,909 427,537 19.96 5.59 21.84 (6)
Financial guaranty 391,160 448,455 372,541 7.37 14.65 -16.93 (6)
Federal flood (7) 13,709 14,019 16,738 3.57 2.26 19.40 (6)
Total, all lines (8)   $639,336,652 $655,611,365 $715,856,290 10.7% 3.5% 2.4% 100.0%

(1) After reinsurance transactions, excludes state funds.
(2) Coverages protecting against legal liability resulting from negligence, carelessness or failure to act.
(3) Only includes nonproportional reinsurance, an arrangement in which a reinsurer makes payments to an insurer whose losses exceed a predetermined amount.
(4) Premiums from certain insurers that write health insurance but file financial statements with state regulators on a property/casualty basis.
(5) Includes miscellaneous coverages.
(6) Less than 0.1 percent.
(7) Provided by FEMA through participating private insurers.
(8) May not match total premiums shown elsewhere in this book because of the use of different exhibits from SNL Financial LC.

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

Commercial Automobile Insurance, 2012-2021

($000)
  Liability Collision/comprehensive
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)		 Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2012 $16,984,612 3.7% 106.6 5.5 pts. $5,099,427 -9.7% 109.2 -2.9 pts.
2013 18,355,088 8.1 107.2 0.7 5,536,307 8.6 105.2 -3.9
2014 19,570,622 6.6 103.8 -3.4 6,123,604 10.6 103.2 -2.0
2015 20,914,990 6.9 111.4 7.6 6,725,088 9.8 100.9 -2.3
2016 21,315,245 1.9 113.5 2.1 6,949,192 3.3 102.1 1.2
2017 22,881,174 7.3 113.4 (4) 7,757,275 11.6 104.2 2.1
2018 26,992,199 18.0 111.7 -1.7 8,782,227 13.2 96.9 -7.3
2019 29,293,084 8.5 114.0 2.3 9,650,356 9.9 95.5 -1.4
2020 30,059,355 2.6 107.1 -6.9 9,865,723 2.2 85.7 -9.8
2021 34,461,657 14.6 102.1 -5.0 10,788,353 9.4 90.3 4.6

(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.
(4) Less than 0.1 point.

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.

Burglary And Theft Insurance, 2012-2021

($000)
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2012 $220,831 13.4% 58.6 -3.0 pts.
2013 207,225 -6.2 42.2 -16.4
2014 226,247 9.2 59.9 17.7
2015 230,777 2.0 61.4 1.5
2016 255,466 10.7 46.5 -14.9
2017 222,936 -12.7 48.9 2.4
2018 280,103 25.6 77.4 28.5
2019 332,644 18.8 74.3 -3.1
2020 351,127 5.6 118.2 43.9
2021 380,581 8.4 80.9 -37.3

(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.

Defense Costs And Cost Containment Expenses As A Percent of Incurred Losses, 2019-2021 (1)

($000)
  2019 2020 2021
  Amount As a percent
of incurred losses		 Amount As a percent
of incurred losses		 Amount As a percent
of incurred losses
Product liability $668,418 50.4% $667,390 60.9% $712,976 46.6%
Medical professional liability 1,910,421 40.7 2,100,614 42.4 1,976,972 36.7
Commercial multiple peril (2) 2,531,192 32.9 2,205,799 28.4 2,269,930 30.0
Other liability 6,569,424 19.1 7,140,769 17.8 6,930,792 15.9
Workers compensation 2,787,561 13.1 2,348,365 11.5 2,546,513 12.5
Commercial auto liability 2,132,765 10.5 2,028,971 10.5 2,136,219 10.1
Private passenger auto liability 6,574,588 6.8 5,425,870 6.6 5,378,643 5.6
All liability lines $23,174,369 12.5% 21,917,778 12.5% $21,952,045 11.2%

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

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

Private Passenger Auto Insurance Industry Underwriting Expenses, 2021 (1)

Expense Percent of premiums
Losses and related expenses (2)  
Loss and loss adjustment expense (LAE) ratio 78.2%
    Incurred losses 68.0
    Defense and cost containment expenses incurred 2.3
    Adjusting and other expenses incurred 7.8
Operating expenses (3)  
Expense ratio 23.1%
    Net commissions and brokerage expenses incurred 8.4
    Taxes, licenses and fees 2.1
    Other acquisition and field supervision expenses incurred 7.4
    General expenses incurred 5.1
Dividends to policyholders (2) 0.7%
Combined ratio afterr dividends (4) 101.9%

(1) After reinsurance transactions.
(2) As a percent of net premiums earned ($249.8 billion in 2021).
(3) As a percent of net premiums written ($252.9 billion in 2021).
(4) Sum of loss and LAE, expense and dividends ratios. Calculated from unrounded numbers.

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

Incurred Losses For Auto Insurance, 2017-2021 (1)

($000)
  2017 2018 2019 2020 2021
Private passenger auto          
     Liability $90,495,835 $91,736,331 $96,183,910 $81,622,205 $96,104,094
     Physical damage 57,052,411 58,766,743 62,636,230 54,684,358 73,846,463
Commercial auto          
     Liability 15,528,570 17,810,709 20,402,267 19,315,713 21,110,314
     Physical damage 4,874,748 $4,999,100 5,395,145 4,813,714 5,766,122
Total $167,951,564 $173,312,883 $184,617,552 $160,435,990 $196,826,993

(1) Losses occurring within a fixed period, whether or not adjusted or paid during the same period, after reinsurance transactions.

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

U.S. Hurricane Wind Risk, Gulf and Atlantic States, 2022

  Single-family residential
homes potentially affected (1)		 Multifamily residential
homes potentially affected (2)
Hurricane wind risk level (3) Number of units Reconstruction
cost value (4)
($ billions)		 Number of units Reconstruction
cost value (4)
($ billions)
Extreme 6,316,115 $1,645.9 122,087 $42.1
Very high or greater 14,654,510 $4,024.0 229,077 $85.0
High or greater 22,113,248 $6,697.8 647,060 $327.4
Moderate or greater 31,792,966 $9,976.6 987,727 $519.5

(1) Residential structures less than four stories, including mobile homes, duplexes, manufactured homes and cabins.
(2) Apartments, condominiums and multi-unit dwellings.
(3) The risk categories are cumulative and increase in value from extreme to moderate or greater. The moderate or greater wind risk level encompasses all four wind risk levels.”
(4) Combines materials, equipment and labor, but does not include the value of the land or lot.

Source: CoreLogic®, a property data and analytics company. May not be re-sold, republished or licensed to any other source without prior written permission from CoreLogic.

Top 10 States For Homeowners Insurance Lightning Losses By Number Of Claims, 2022

Rank State Value of claims
($ millions)		 Number
of Claims		 Average cost
per claim
1 Florida $80.20 5,504 $14,562
2 Georgia 56.7 4,474 12,665
3 Texas 103.3 4,085 25,286
4 California 125.3 3,450 36,319
5 North Carolina 29.3 2,780 10,550
6 Alabama 29.5 2,767 10,653
7 New York 38.9 2,315 16,817
8 Louisiana 26.1 2,301 11,336
9 Virginia 30.9 1,988 15,544
10 Pennsylvania 23.8 1,956 12,155
  Top 10 states $543.9 31,620 $16,589
  All other states $407.7 30,569 $14,968
  Total U.S. $951.6 62,189 $15,280

Source: Insurance Information Institute, State Farm®.

Homeowners Insurance Claims And Payout for Lightning Losses, 2017-2022

Year Value of claims
($ millions)		 Number
of claims		 Average cost
per claim
2017 $917 85,020 $10,781
2018 909 77,898 11,668
2019 920 76,860 11,971
2020 2,067 71,551 28,885
2021 1,313 60,851 21,578
2022 952 62,189 15,280
Percent change       
2022-2021 -27.6% 2.2% -29.2%
2022-2017 3.7% -26.9% 41.7%

Source: Insurance Information Institute, State Farm®.

Investments, Property/Casualty Insurers, 2019-2021 (1)

($ millions, end of year)
  Amount Percent of total investments
Investment type 2019 2020 2021 2019 2020 2021
Bonds $1,066,685 $1,111,622 $1,178,226 57.05% 55.38% 53.02%
Stocks $500,031 $536,272 $657,175 26.74% 26.71% 29.58%
     Preferred 14,261 16,515 17,447 0.76 0.82 0.79
     Common 485,770 519,757 639,728 25.98 25.89 28.79
Mortgage loans on real estate 22,132 23,660 27,021 1.18 1.18 1.22
     First liens 20,835 23,298 26,526 1.11 1.16 1.19
     Other than first liens 1,298 362 495 0.07 0.02 0.02
Real estate $13,677 $13,739 $13,301 0.73% 0.68% 0.60%
     Properties occupied by company 9,190 9,151 8,875 0.49 0.46 0.40
     Properties held for income production 4,102 4,297 4,017 0.22 0.21 0.18
     Properties held for sale 384 290 409 0.02 0.01 0.02
Cash, cash equivalent and short-term investments 115,039 140,244 156,464 6.15 6.99 7.04
Derivatives 273 537 609 0.01 0.03 0.03
Other invested assets 146,380 175,007 180,263 7.83 8.72 8.11
Receivable for securities 1,545 2,326 3,177 0.08 0.12 0.14
Securities lending reinvested collateral assets 4,444 4,537 6,520 0.24 0.23 0.29
Aggregate write-in for invested assets -353 -547 -711 NA NA NA
Total cash and invested assets $1,869,854 $2,007,396 $2,222,046 100.00% 100.00% 100.00%

(1) Includes cash and net admitted assets of property/casualty insurers.

NA=Not applicable.

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

Individual Annuity Considerations, 2017-2021 (1)

($ billions)
      Total
Year Variable Fixed Amount Percent change
from prior year
2017 $98.2 $105.3 $203.5 -8.4%
2018 100.2 133.6 233.8 14.9
2019 101.9 139.8 241.7 3.4
2020 98.6 120.5 219.1 -9.4
2021 125.3 129.2 254.3 16.1

(1) Based on LIMRA’s estimates of the total annuity sales market. Includes some considerations (i.e. premiums) that though bought in group settings involve individual buying decisions.

Source: U.S. Individual Annuities, 4th Quarter 2021, LIMRA, 2022.

U.S. Insurance-Related Mergers And Acquisitions, 2012-2021 (1)

($ millions)
  Underwriting mergers and acquisitions
  Property/casualty Life/annuity Health/managed care
Year Number of
transactions		 Transaction
values		 Number of
transactions		 Transaction
values		 Number of
transactions		 Transaction
values
2012 46 $4,826 21 $6,057 26 $18,520
2013 41 4,393 18 3,298 15 33
2014 53 6,723 11 7,978 15 864
2015 35 39,970 18 10,228 21 9,603
2016 38 10,665 13 0 12 1,078
2017 38 7,404 19 5,796 17 75,954
2018 47 15,878 22 6,696 8 2,516
2019 28 8,805 20 9,235 22 17,410
2020 54 10,078 16 9,756 13 4,145
2021 45 9,729 19 33,870 37 20,633
  Distribution and insurance services mergers and acquisitions
  Distribution Insurance services Total U.S. mergers
and acquisitions
Year Number of
transactions		 Transaction
values		 Number of
transactions		 Transaction
values		 Number of
transactions		 Transaction
values
2012 345 $4,225 62 $9,673 479 $43,200
2013 323 8,246 57 3,349 454 19,300
2014 387 2,581 79 19,390 545 37,500
2015 472 18,695 88 22,905 634 101,400
2016 450 4,204 77 3,461 590 19,400
2017 564 6,594 74 10,645 712 106,400
2018 612 7,085 79 68,304 768 100,500
2019 691 2,389 72 3,669 823 41,500
2020 796 2,725 100 7,452 997 34,200
2021 849 11,175 78 5,914 1028 81,300

(1) Components may not add to totals due to rounding and inclusion of miscellaneous companies. Includes transactions where a U.S. company was the acquirer and/or the target.

Source: ©2022 Conning, Inc., 2021: Global Mergers & Acquisitions in the Insurance Industry. Used with permission.

Top 10 Writers Of Financial Guaranty Insurance By Direct Premiums Written, 2021

($000)
Rank Group/company Direct premiums written (1) Market share (2)
1 Assured Guaranty Ltd. $292,719 69.5%
2 Build America Mutual Assurance Co. 51,230 12.2
3 MBIA Inc. 44,407 10.5
4 Ambac Financial Group Inc. 22,919 5.4
5 Syncora Guarantee Inc. 6,393 1.5
6 Financial Guaranty Insurance Co. 2,792 0.7
7 Radian Group Inc. 425 0.1
8 HDI 39 (3)
9 W. R. Berkley Corp. 14 (3)
10 Chubb -4 (4) (3)

(1) Before reinsurance transactions, includes state funds.
(2) Based on U.S. total, includes territories.
(3) Less than 0.1 percent.
(4) Represents canceled policies after Chubb assumed business from non-affiliates.

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

Top 10 Writers Of Private Crop Insurance By Direct Premiums Written, 2021

($000)
Rank Group/company Direct premiums written (1) Market share (2)
1 Zurich Insurance Group $264,264 20.9%
2 Sompo Holdings Inc. 196,153 15.5
3 QBE Insurance Group Ltd. 171,140 13.5
4 Chubb Ltd. 145,632 11.5
5 Farmers Mutual Hail Insurance Company of Iowa 143,263 11.3
6 American International Group (AIG) 129,826 10.2
7 Great American Insurance Group 91,561 7.2
8 Tokio Marine Group 46,157 3.6
9 Fairfax Financial Holdings 32,382 2.6
10 COUNTRY Financial 18,629 1.5

(1) Before reinsurance transactions, includes state funds.
(2) Based on U.S. total, includes territories.

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

Post-Reform Act Class Action Settlements Of Securities Lawsuits, 2016-2021 (1)

(2021 dollars)
Settlements 2016-2020 2020 2021
Minimum $0.3 million $0.3 million $0.6 million
Median 9.9 million 10.6 million 8.3 million
Average 51.9 million 57.1 million 20.5 million
Maximum 3.2 billion 1.3 billion 187.5 million
Total settlements $20.5 billion $4.4 billion $1.8 billion
Number of settlements 395 77 87

(1) Private Securities Litigation Reform Act of 1995; adjusted for inflation by Cornerstone Research.

Source: Cornerstone Research, Securities Class Action Settlements–2021 Review and Analysis©2022 by Cornerstone Research, Inc.

World Aviation Accidents, 2017-2021 (1)

  Accidents     
Year Total Fatal  Fatalities  Accident rate (2)
2017 46 6 19 1.08
2018 62 11 523 1.36
2019 52 8 240 1.11
2020 35 5 132 1.58
2021 26 7 121 1.01

(1) On Eastern and Western built jet aircraft.
(2) Includes accidents for all aircraft (jets and turboprops) for substantial damage and hull loss per million sectors.

Source: International Air Transport Association (IATA).

Top 10 Deadliest World Natural Catastrophes, 2021 (1)

Rank Date Country Event Deaths
1 Aug. 14 Haiti Earthquake 2,248
2 Jun. 1-Oct. 31 India Seasonal floods 1,282
3 Jun. 26-Jun. 30 Western North America Heatwave 1,029
4 Jun. 1-Sep. 30 China Seasonal floods 545
5 Dec. 16-18 Phillipines, Vietnam Typhoon Rai 410
6 Apr. 3-12 Indonesia, Timor-Leste, Australia Cyclone Seroja 276
7 Feb. 12-20 United States Polar Vortex Event 235
8 July. 12-18 Western and Central Europe Flooding 227
9 Oct. 25-Nov. 30 India, Sri Lanka Flooding 217
10 Feb. 7-8 India Flooding 205
All other events       ~4,000
Total       ~10,500

(1) Natural disasters that cause at least 10 deaths. As of January 2022.

~ =Approximately.

Source: Aon.

Natural Catastrophe Losses In The United States By Peril, 2021 (1)

($ millions)
Peril Number of events Fatalities Economic losses (2) Insured losses (3)
Severe convective storm 64 165 $37,250 $26,740
Wildfire, drought, heatwave 14 229 20,360 8,690
Flooding 12 33 7,020 2,850
Winter storm 4 230 24,790 15,520
Tropical cyclone 3 113 79,530 38,210
Total 97 ~770 $169,000 $92,000

(1) Natural disasters that cause at least $25 million in insured losses; or 10 deaths; or 50 people injured; or 2,000 filed claims or homes and structures damaged. Includes Puerto Rico and the U.S. Virgin Islands.
(2) Includes any direct physical damage or direct net loss business interruption costs.
(3) Includes losses sustained by private insurers and government-sponsored programs such as the National Flood Insurance Program. Subject to change as loss estimates are further developed. As of February 1, 2022.

~ =Approximately.

Source: Aon.

Top 10 Costliest U.S. Winter Events By Insured Losses, 1950-2021 (1)

($ millions)
        Insured loss
Rank Date Event Location When occurred In 2021 dollars (2)
1 Feb. 12-20, 2021 Polar Vortex, Texas Freeze TX, OR, WA, CO, NV, AR, OK,
GA, NC, FL, IL, IN, IA, WI, OH,
PA, VA, NC, SC, LA, MO, MS		 $15,000 $15,000
2 Mar. 11-14, 1993 Blizzard  AL, CT, DE, FL, GA, KY, LA, MA,
MD, ME, MS, NC, NH, NJ, NY, OH,
PA, RI, SC, TN, TX, VA, VT, WV		 2,000 4,010
3 Feb. 16-22, 2015 Winter storm, winter damage CT, DC, DE, IL, KY, MA, MD,
ME, MI, NC, NH, NJ, NY, OH,
PA, RI, SC, TN, VA, VT		 2,100 2,420
4 Dec. 17-30, 1983 Winter damage, cold wave AL, AR, CO, CT, DE, FL, GA,
IA, ID, IL, IN, KS, KY, LA, MA,
MD, MI, MN, MO, MS, MT, NC,
ND, NE, NJ, NY, OH, OK, OR,
PA, RI, SC, SD, TN, TX, UT, VA,
WA, WI, WV, WY		 880 2,350
5 Jan. 5-8, 2014 Winter damage, cold wave  AL, GA, IL, IN, KY, MD, MI,
MO, MS, NC, NJ, NY, OH,
PA, SC, TN, VA		 1,670 1,930
6 Dec. 10-13, 1992 Winter storm CT, DE, MA, MD, NJ, NY, PA,
RI, VA, WV		 1,000 1,910
7 Nov. 24-30, 1950 Winter storm CT, DE, MA, MD, ME, NH, NJ,
NY, PA, RI, VT		 170 1,910
8 Mar. 1-3, 2018 Winter storm CT, DC, DE, MA, MD, NC, NJ,
NY, PA, RI, VA		 1,700 1,850
9 Jan. 29, 1951 Ice storm TN, TX, VA, AL, KY, MS, LA,
GA, WV, VA, NC, SC		 150 1,600
10 Jan. 17-20, 1994 Winter damage, cold wave CT, DE, IL, IN, KY, MA, MD, ME,
NC, NH, NJ, NY, OH, PA, RI		 800 1,480

(1) Includes losses sustained by private insurers and government-sponsored programs such as the National Flood Insurance Program. Ranked on losses in 2021 dollars. Subject to change as loss estimates are further developed. As of February 1, 2022.
(2) Adjusted for inflation by Aon using the U.S. Consumer Price Index.

Source: Aon.

U.S. Insured Losses from Winter Storms, 2012-2021

($ millions)
  Insured losses (1)
Year When occurred In 2021 dollars
2012 $589 $684
2013 1,976 2,264
2014 3,470 3,935
2015 3,918 4,440
2016 1,178 1,319
2017 926 1,012
2018 3,726 3,977
2019 1,859 1,955
2020 1,056 1,087
2021 15,520 15,520

(1) Includes losses sustained by private insurers and government-sponsored programs such as the National Flood Insurance Program. Subject to change as loss estimates are further developed.

Source: Aon.

Top 10 Private Industry Sectors By Number Of Nonfatal Occupational Injuries and Illnesses, 2020

Rank Industry Number (1)
(000)		 Percent of total
private industry
1 Healthcare and social assistance 447.9 38.1%
2 Manufacturing 135.9 11.6
3 Retail trade 125.6 10.7
4 Transportation and warehousing 99.8 8.5
5 Construction 74.5 6.3
6 Accommodation and food services 60.9 5.2
7 Wholesale trade 56.5 4.8
8 Administrative and support and
waste management and remediation services		 46.9 4.0
9 Other services (except public administration) 26.2 2.2
10 Agriculture, forestry, fishing and hunting 18.8 1.6
  Total, top 10 1,093.0 92.9%
  Total, private industry 1,176.3 100.0%

(1) Cases with days away from work.

Source: Bureau of Labor Statistics, U.S. Department of Labor.

Workplace Deaths By Selected Cause, 2019-2020 (1)

  2019 2020
Cause Number  Number  Percent of total
All transportation (includes vehicle crashes)   2,122 1,778 37%
     Vehicle crashes (2) 1,270 1,038 22
Falls   880 805 17
Contact with objects and equipment   732 716 15
Exposure to harmful substances or environments   642 672 14
Intentional injury by person (includes homicides)   761 651 14
     Homicides   454 392 8
Fires and explosions   99 71 2
Total workplace fatalities   5,333 4,764 100%

(1) From intentional and unintentional sources. Data in this chart do not add to total workplace fatalities due to the inclusion of miscellaneous injuries in the total.
(2) Roadway incidents involving motorized land vehicles.

Source: U.S. Department of Labor, Bureau of Labor Statistics, Census of Fatal Occupational Injuries.

Private Passenger Auto Insurance Industry Underwriting Expenses, 2020 (1)

Expense Percent of premiums
Losses and related expenses (2)  
Loss and loss adjustment expense (LAE) ratio 66.2%
    Incurred losses 55.9
    Defense and cost containment expenses incurred 2.4
    Adjusting and other expenses incurred 8.0
Operating expenses (3)  
Expense ratio 24.3%
    Net commissions and brokerage expenses incurred 8.9
    Taxes, licenses and fees 2.1
    Other acquisition and field supervision expenses incurred 7.5
    General expenses incurred 5.8
Dividends to policyholders (2) 2.0%
Combined ratio after dividends (4) 92.6%

(1) After reinsurance transactions.
(2) As a percent of net premiums earned ($244.0 billion in 2020).
(3) As a percent of net premiums written ($243.7 billion in 2020).
(4) Sum of loss and LAE, expense and dividends ratios. Calculated from unrounded numbers.

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

Investments, Property/Casualty Insurers, 2018-2020 (1)

($ millions, end of year)
  Amount Percent of total investments
Investment type 2018 2019 2020 2018 2019 2020
Bonds $1,020,600 $1,066,685 $1,111,622 60.23% 57.05% 55.38%
Stocks $396,972 $500,031 $536,272 23.43% 26.74% 26.71%
     Preferred 5,247 14,261 16,515 0.31 0.76 0.82
     Common 391,725 485,770 519,757 23.12 25.98 25.89
Mortgage loans on real estate $18,876 $22,132 $23,660 1.11% 1.18% 1.18%
     First liens 18,220 20,835 23,298 1.08 1.11 1.16
     Other than first liens 656 1,298 362 0.04 0.07 0.02
Real estate $13,667 $13,677 $13,739 0.81% 0.73% 0.68%
     Properties occupied by company 9,290 9,190 9,151 0.55 0.49 0.46
     Properties held for income production 3,950 4,102 4,297 0.23 0.22 0.21
     Properties held for sale 427 384 290 0.03 0.02 0.01
Cash, cash equivalent and short-term investments 101,384 115,039 140,244 5.98 6.15 6.99
Derivatives 411 273 537 0.02 0.01 0.03
Other invested assets 133,876 146,380 175,007 7.90 7.83 8.72
Receivable for securities 1,919 1,545 2,326 0.11 0.08 0.12
Securities lending reinvested collateral assets 4,804 4,444 4,537 0.28 0.24 0.23
Aggregate write-in for invested assets 1,915 -353 -547 0.11 NA NA
Total cash and invested assets $1,694,424 $1,869,854 $2,007,396 100.00% 100.00% 100.00%

(1) Includes cash and net admitted assets of property/casualty insurers.

NA=Not applicable.

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

Components Of The Combined Ratio, Property/Casualty Insurance, 2012-2021 (1)

Year Loss and
loss adjustment
expense ratio (2)		 Expense
ratio (3)		 Combined
ratio		 Dividends to
policyholders (4)		 Combined ratio
after dividends
2012 74.5 28.2 102.6 0.6 103.2
2013 67.5 28.2 95.7 0.6 96.3
2014 69.0 27.6 96.6 0.6 97.2
2015 69.3 28.0 97.4 0.6 98.0
2016 72.3 27.9 100.2 0.6 100.8
2017 76.0 27.3 103.2 0.6 103.9
2018 71.4 27.3 98.7 0.6 99.3
2019 71.0 27.2 98.2 0.8 99.0
2020 70.2 27.5 97.6 1.2 98.8
2021 72.4 26.5 99.0 0.7 99.7

(1) Excludes state funds and other residual market insurers.
(2) Incurred loss and loss adjustment expenses as a percent of earned premiums.
(3) Other underwriting expenses as a percent of written premiums.
(4) Dividends to policyholders as a percent of earned premiums.

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

Top 10 States By Drug Poisoning Deaths And Death Rates, 2019 (1)

  By number of deaths   By deaths per 100,000 people
Rank State Number of
deaths		 Deaths per
100,000 people		 Rank State Number of
deaths		 Deaths per
100,000 people
1 California 6,198 15.0 1 West Virginia 870 52.8
2 Florida 5,268 25.5 2 Delaware 435 48.0
3 Pennsylvania 4,377 35.6 3 District of Columbia 311 43.2
4 Ohio 4,251 38.3 4 Ohio 4,251 38.3
5 New York 3,617 18.2 5 Maryland 2,369 38.2
6 Texas 3,136 10.8 6 Pennsylvania 4,377 35.6
7 New Jersey 2,805 31.7 7 Connecticut 1,214 34.7
8 Illinois 2,790 21.9 8 Kentucky 1,380 32.5
9 Michigan 2,385 24.4 9 Massachusetts 2,210 32.1
10 Maryland 2,369 38.2 10 New Hampshire 407 32.0

(1) Drug overdose caused by prescription and illegal drugs.

Source: National Center for Health Statistics.

Investments, Life/Annuity Insurers, 2018-2020 (1)

($ billions, end of year)
  Amount Percent of total investments
Investment type 2018 2019 2020 2018 2019 2020
Bonds $2,989.1 $3,087.8 $3,272.1 72.48% 71.11% 70.24%
Stocks $94.1 $105.3 $117.1 2.28% 2.43% 2.51%
     Preferred stock  12.3 12.9 14.6 0.30 0.30 0.31
     Common stock  81.8 92.4 102.5 1.98 2.13 2.20
Mortgage loans on real estate $521.5 $565.5 $587.2 12.65% 13.02% 12.60%
     First lien real estate mortgage loans  512.6 557.3 579.2 12.43 12.83 12.43
     Real estate loans less first liens  8.9 8.3 8.0 0.22 0.19 0.17
Real estate $20.4 $23.0 $22.6 0.50% 0.53% 0.49%
     Occupied properties  5.8 5.9 6.1 0.14 0.14 0.13
     Income generating properties  14.1 16.0 16.0 0.34 0.37 0.34
     Properties for sale  0.5 1.1 0.6 0.01 0.03 0.01
Cash, cash equivalent and short term investments 104.7 118.7 151.0 2.54 2.73 3.24
Contract loans including premium notes  129.2 131.0 130.4 3.13 3.02 2.80
Derivatives 56.4 79.5 121.5 1.37 1.83 2.61
Other invested assets  187.1 206.0 227.4 4.54 4.74 4.88
Receivables for securities  4.5 5.0 7.0 0.11 0.11 0.15
Securities lending reinvested collateral assets 12.6 15.5 16.2 0.30 0.36 0.35
Write-ins for invested assets  4.5 5.3 6.1 0.11 0.12 0.13
Total cash and invested assets  $4,124.1 $4,342.5 $4,658.6 100.00% 100.00% 100.00%

(1) Data are net admitted assets of life/annuity insurers.

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

Top 10 States With Estimated Number And Cost Of Lightning Claims, 2021

Rank State Value of claims
($ millions)		 Number
of Claims		 Average cost
per claim
1 FL $88.3 5,339 $16,552
2 TX 95.2 4,490 21,206
3 GA 43.8 3,817 11,492
4 CA 522.6 3,381 154,574
5 NY 45.1 2,426 18,592
6 PA 34.0 2,410 14,134
7 NC 36.8 2,377 15,522
8 LA 28.0 2,372 11,817
9 AL 29.3 2,276 12,906
10 MI 26.9 1,887 14,291
  Top 10 states $950.4 $30,775 $30,885
  All other states $362.5 $30,076 $12,055
  Total U.S. $1,313.0 $60,851 $21,578

Source: Insurance Information Institute, State Farm®.

Homeowners Insurance Claims And Payouts For Lightning Losses, 2017-2021

Year Value of claims ($ millions) Number of claims Average cost per claim
2017 916.6 85,020 10,781
2018 908.9 77,898 11,668
2019 920.1 76,860 11,971
2020 2,066.7 71,551 28,885
2021 1,313.1 60,851 21,578
Percent change, 2020-2021 -36.5% -15.0% -25,3%
Percent change, 2017-2021 43.3% -28.4% 100.1%

Source: Insurance Information Institute, State Farm®.

Private Passenger Automobile Insurance, 2011-2020

($000)
  Liability Collision/comprehensive
Year Net
premiums
written (1)		 Annual
percent
change		 Combined
ratio (2)		 Annual
point
change (3)		 Net
premiums
written (1)		 Annual
percent
change		 Combined
ratio (2)		 Annual
point
change (3)
2011 $100,369,441 2.8% 103.8 -2.1 pts. $62,948,280 0.6% 99.6 0.4 pts.
2012 103,429,677 3.0 103.2 -0.6 64,619,667 2.7 100.2 6.3
2013 107,446,382 3.9 103.6 0.4 67,452,663 4.4 98.7 0.6
2014 112,354,903 4.6 103.8 0.2 71,096,640 5.4 100.2 -1.5
2015 116,305,809 3.5 107.9 4.2 76,486,433 7.6 99.4 1.5
2016 124,439,721 7.0 109.4 1.5 82,931,826 8.4 101.5 -0.8
2017 133,745,174 7.5 105.5 -3.9 88,489,745 6.7 98.3 2.1
2018 144,450,175 8.0 100.5 -5.0 96,475,072 9.0 93.7 -3.2
2019 147,302,499 2.0 101.6 1.1 100,443,264 4.1 94.6 -4.6
2020 144,110,581 -2.2 94.8 -6.7 99,606,206 -0.8 89.2 0.9

(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 numbers.

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 Automobile Insurance, 2011-2020

($000)
  Liability Collision/comprehensive
Year Net
premiums
written (1)		 Annual
percent
change		 Combined
ratio (2)		 Annual
point
change (3)		 Net
premiums
written (1)		 Annual
percent
change		 Combined
ratio (2)		 Annual
point
change (3)
2011 $16,382,082 0.8% 101.1 4.0 pts. $4,647,376 -4.6% 112.0 10.4 pts.
2012 16,984,612 3.7 106.6 5.5 5,099,427 9.7 109.2 -2.9
2013 18,355,088 8.1 107.2 0.7 5,536,307 8.6 105.2 -3.9
2014 19,570,622 6.6 103.8 -3.4 6,123,604 10.6 103.2 -2.0
2015 20,914,990 6.9 111.4 7.6 6,725,088 9.8 100.9 -2.3
2016 21,315,245 1.9 113.5 2.1 6,949,192 3.3 102.1 1.2
2017 22,881,174 7.3 113.4 (4) 7,757,275 11.6 104.2 2.1
2018 26,992,199 18.0 111.7 -1.7 8,782,227 13.2 96.9 -7.3
2019 29,349,272 8.7 114.0 2.3 9,671,727 10.1 95.6 -1.3
2020 30,057,679 2.4 107.1 -6.9 9,864,983 2.0 85.7 -9.9

(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 numbers.
(4) Less than 0.1 point.

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

Cybersecurity Insurance, 2015-2020 (1)

($000)
Year Direct premiums written (2) Annual percent change Direct losses paid Direct paid loss ratio
2015 $1,003,082 NA $140,597 17.4%
2016 1,355,173 35.1% 196,344 16.6
2017 1,859,283 37.2 226,261 14.0
2018 2,008,086 8.0 393,732 21.6
2019 2,248,653 12.0 458,796 22.7
2020 2,753,757 22.5 950,860 39.2

(1) Includes stand-alone policies and the cybersecurity portion of package policies. Does not include premiums from companies that cannot report premiums for cybersecurity coverage provided as part of package policies.
(2) Before reinsurance transactions.

NA=Data not available.

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

Top 11 Global Insurance-Related Mergers And Acquisitions Announced, 2020 (1)

($ millions)
Rank Buyer (country) Target (country) Sector Transaction value
1 Aon (UK) Willis Towers Watson (UK) Distribution $30,000 (2)
2 Intact Financial Corp. (Canada) RSA Insurance Group plc (U.K.) Property/casualty 9,545
3 Roper Technologies, Inc. (U.S.) Vertafore (U.S.) Services 5,350
4 KKR and Co. LLP (U.S.) Global Atlantic Financial Group Ltd. (Bermuda) Life/annuity 4,700
5 Farmers Group Inc. (Switzerland) Metropolitan Property and Casualty Ins. Co. (U.S.) Property/casualty 3,940
6 Allstate Corp. (U.S.) National General Holdings Corp. (U.S.) Property/casualty 3,727
7 MassMutual  (U.S.) Great American Life Insurance Company (U.S.) Life/annuity 3,500
8 Blackstone (U.S.) Allstate Life Insurance Company (U.S.) Life/annuity 2,800
9 Fidelity National Financial Inc. (U.S.) FGL Holdings (Cayman Islands) Life/annuity 2,700
10 Empowerment Retirement (U.S.) Massachusetts Mutual (retirement plan business) (U.S.) Life/annuity 2,350
11 Sixth Street (U.S.) (3) Talcott Resolution (U.S.) Life/annuity 2,000

(1) As of January 31, 2021.
(2) Deal terminated July 26, 2021.
(3) Announced January 2021.

Source: ©2021 Conning, Inc., 2021: Global Property Casualty Insurance M&A in 2020 -The Show Must Go On; Global Life & Health Insurance M&A in 2020: Rebounding from COVID-19. Used with permission.

Top 10 Writers Of Life/Annuity Insurance By Direct Premiums Written, 2020

($000)
Rank Group/company Direct premiums written (1) Market share (2)
1 MetLife Inc. $103,335,055 13.0%
2 Equitable Holdings 62,688,657 7.9
3 Prudential Financial Inc. 61,913,976 7.8
4 New York Life Insurance Group 40,211,642 5.1
5 Massachusetts Mutual Life Insurance Co. 38,461,197 4.9
6 Principal Financial Group Inc. 26,439,671 3.3
7 Lincoln National Corp. 25,385,450 3.2
8 Western & Southern Financial Group 22,920,717 2.9
9 Transamerica 22,875,109 2.9
10 American International Group (AIG) 22,620,803 2.9

(1) Includes life insurance, annuity considerations, deposit-type contract funds and other considerations, and accident and health insurance. Before reinsurance transactions.
(2) Based on U.S. total, includes territories.

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

Estimated Number and Cost of Dog Bite Claims (And Other Dog-Related Injuries*), 2021 State Results

Rank State Number of claims Average cost per claim Value of claims ($ millions)
1 California 2,026 $59,561 $120.7
2 Florida 1,478 54,820 81.0
3 Texas 1,003 39,884 40.0
4 New York 900 68,203 61.4
5 Michigan 892 48,258 43.0
6 Illinois 844 56,292 47.5
7 Pennsylvania 777 47,353 36.8
8 Ohio 732 41,499 30.4
9 New Jersey 611 49,981 30.5
10 Arizona 489 43,059 21.1
  Top 10 9,752 $52,543 $512.4
  Remaining States 8,237 $44,860 $369.5
  Total United States 17,989 $49,025 $881.9

(1) Includes other dog-related injuries that have impacted claims such as fractures or other blunt force trauma injuries.

Source: Insurance Information Institute, State Farm®.

Number and Cost of Dog Bite Claims (And Other Dog-Related Injuries*), 2012-2021

Year Value of claims
($ millions)		 Number of
claims		 Average cost
per claim
2012 $489.7 16,459 $29,752
2013 483.7 17,359 27,862
2014 530.8 16,550 32,072
2015 571.3 15,352 37,214
2016 602.2 18,123 33,230
2017 686.3 18,522 37,051
2018 665.4 17,520 37,981
2019 800.8 18,236 43,912
2020 872.1 17,597 49,558
2021 881.9 17,989 49,025
Percent change, 2020-2021 1.1% 2.2% -1.1%
Percent change, 2012-2021 44.0% 9.0% 39.0%

Source: Insurance Information Institute, State Farm®.

*Claims costs are attributable not only to dog bites but also to dogs knocking down children, cyclists, and the elderly, which can result in costly injuries.

Individual Annuity Considerations, 2016-2020 (1)

($ billions)
      Total
Year Variable Fixed Amount Percent change
from prior year
2016 $104.7 $117.4 $222.1 5.8%
2017 98.2 105.3 203.5 -8.4
2018 100.2 133.6 233.8 14.9
2019 101.9 139.8 241.7 3.4
2020 98.6 120.5 219.1 -9.4

(1) Based on LIMRA’s estimates of the total annuity sales market. Includes some considerations (i.e. premiums) that though bought in group settings involve individual buying decisions.

Source: U.S. Individual Annuities, 4th Quarter 2020, LIMRA, 2021.

Snapshot of Arson, 2024

 
Number of arsons reported 33,689
     Percent change from 2023 -7.5%
Arson rate per 100,000 people 10.7
Average dollar loss per arson $46,921 
Percent of arson occurring in structures 34.6%
Percent of arson occurring in motor vehicles 18.4

Source: U.S. Department of Justice, Federal Bureau of Investigation, Uniform Crime Report 2024.

Arson By Type Of Property, 2024

Property classification Number of
arson
offenses (1)		 Percent
of total 		 Average
damage
Structure      
   Single occupancy residential 4,083 12.3% $58,573
   Other residential 2,290 6.9 318,835
   Storage 621 1.9 43,194
   Industrial/manufacturing 109 0.3 116,387
   Other commercial 1,630 4.9 112,473
   Community/public 822 2.5 117,267
   Other structure 1,976 5.9 42,941
Total structures 11,531 34.6% $119,103
Mobile      
   Motor vehicles 6,135 18.4 12,921
   Other mobile 589 1.8 16,996
Total mobile 6,724 20.2% $13,278
Other 15,034 45.2 6,603
Total 33,289 100.0% $46,921

(1) Differs from other arson totals reported by the FBI due to the use of different collection criteria.

Source: U.S. Department of Justice, Federal Bureau of Investigation, Crime Data Reporter.

Top 10 Costliest Large-Loss Fires In U.S. History

($ millions)
      Estimated loss (1)
Rank Date Location/event Dollars when occurred In 2020 dollars (2)
1 Sep. 11, 2001 World Trade Center (terrorist attacks) $33,400 $48,536 (3)
2 Oct. 8, 2017 Northern CA Wildland Urban Interface fire 10,000 10,504
3 Apr. 18, 1906 San Francisco Earthquake and Fire 350 9,973
4 Nov. 8, 2018 Camp Wildland Urban Interface fire 8,500 8,738
5 Oct. 8-9, 1871 Great Chicago Fire 168 3,599
6 Nov. 8, 2018 Woolsey Wildland Urban Interface fire 2,900 2,981
7 Oct. 20, 1991 Oakland, CA, firestorm 1,500 2,829
8 Oct. 20, 2007 San Diego County, CA, The Southern California Firestorm 1,800 2,232
9 Dec. 14, 2017 Southern CA Wildland Urban Interface fire 1,800 1,892
10 Sep. 12, 2015 Valley Fire, CA, Wildland Urban Interface fire 1,500 1,633

(1) Loss estimates are from National Fire Protection Association (NFPA) records. The list is limited to fires for which some reliable dollar loss estimates exists.
(2) Adjustment to 2020 dollars made by the Insurance Information Institute using the Consumer Price Index.
(3) Differs from inflation-adjusted estimates made by other organizations due to the use of different deflators.

Source: ©National Fire Protection Association. www.nfpa.org

Homes At Risk For Extreme Wildfires, By State, 2025

Rank State Number of housing units
1 California 1,257,966
2 Colorado 318,783
3 Texas 243,136
4 Oregon 128,007
5 Arizona 123,906
6 New Mexico 117,875
7 Idaho 105,714
8 Montana 90,494
9 Utah 67,367
10 Washington 59,585
11 South Dakota 27,326
12 Nevada 21,744
13 Wyoming 16,243
14 Oklahoma 2,071

Source: Cotality®, a property data and analytics company.

Average Auto Insurance Expenditures As A Percent of Median Household Income, 2021 (1)

State Index Rank State Index Rank
Louisiana 2.62% 1 Montana 1.30% 27
Florida 2.46 2 California 1.28 28
Mississippi 2.15 3 North Carolina 1.26 29
Georgia 2.06 4 Ohio 1.24 30
New York 2.05 5 Maryland 1.23 31
Michigan 2.03 6 Alaska 1.20 32
Nevada 1.97 7 Washington 1.17 33
West Virginia 1.96 8 Oregon 1.16 34
Rhode Island 1.90 9 Illinois 1.16 35
Delaware 1.83 10 Wyoming 1.11 36
South Carolina 1.82 11 Minnesota 1.11 37
Arkansas 1.74 12 Utah 1.09 38
Texas 1.67 13 Indiana 1.09 39
New Mexico 1.67 14 Wisconsin 1.08 40
Alabama 1.63 15 Virginia 1.08 41
Kentucky 1.62 16 Kansas 1.07 42
District of Columbia 1.58 17 Nebraska 1.05 43
New Jersey 1.54 18 South Dakota 1.04 44
Connecticut 1.54 19 Vermont 1.03 45
Arizona 1.51 20 North Dakota 1.00 46
Oklahoma 1.49 21 Maine 1.00 47
Missouri 1.46 22 Iowa 1.00 48
Tennessee 1.40 23 Hawaii 1.00 49
Colorado 1.40 24 New Hampshire 0.96 50
Massachusetts 1.35 25 Idaho 0.96 51
Pennsylvania 1.33% 26 U.S. Average 1.50%  

(1) Data are for IRC’s affordability index based on average auto insurance expenditures published by the National Association of Insurance Commissioners (NAIC) and median household income from the U.S. Census Bureau.

Source: Auto Insurance Affordability: Countrywide Trends and State Comparisons, Insurance Research Council.

U.S. Insured Losses From Winter Storms, 2016-2025

($ millions)
  Insured losses (1)
Year When occurred In 2025 dollars
2016 $1,178 $1,610
2017 926 1,234
2018 3,791 4,937
2019 1,859 2,385
2020 1,098 1,380
2021 15,529 19,170
2022 10,197 11,288
2023 3,326 3,591
2024 3,933 4,136
2025 1,385 1,404

(1) Includes losses sustained by private insurers and government-sponsored programs such as the National Flood Insurance Program. Subject to change as loss estimates are further developed. As of January 2026.

Source: Aon.

Commercial Automobile Insurance, 2010-2019

($000)
  Liability Collision/comprehensive
Year Net
premiums
written (1)		 Annual
percent
change		 Combined
ratio (2)		 Annual
point
change (3)		 Net
premiums
written (1)		 Annual
percent
change		 Combined
ratio (2)		 Annual
point
change (3)
2010 $16,249,433 -2.0% 97.1 -3.5 pts. $4,870,380 -8.9% 101.6 4.7 pts.
2011 16,382,082 0.8 101.1 4.0 4,647,376 -4.6 112.0 10.4
2012 16,984,612 3.7 106.6 5.5 5,099,427 9.7 109.2 -2.9
2013 18,355,088 8.1 107.2 0.7 5,536,307 8.6 105.2 -3.9
2014 19,570,622 6.6 103.8 -3.4 6,123,604 10.6 103.2 -2.0
2015 20,914,990 6.9 111.4 7.6 6,725,088 9.8 100.9 -2.3
2016 21,315,245 1.9 113.5 2.1 6,949,192 3.3 102.1 1.2
2017 22,881,174 7.3 113.4 (4) 7,757,275 11.6 104.2 2.1
2018 26,992,199 18.0 111.7 -1.7 8,782,227 13.2 96.9 -7.3
2019 29,347,917 8.7 114.0 2.3 9,671,004 10.1 95.6 -1.3

(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.
(4) Less than 0.1 point.

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

Private Flood Insurance, 2016-2019

($000)
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2016 $277,819 NA 93.8 NA
2017 470,961 69.5% 186.1 92.3 pts.
2018 540,875 14.8 55.0 -131.1
2019 287,184 -46.9 58.5 3.5

(1) After reinsurance transactions, excludes state funds and premiums written by private insurers participating in the National Flood Insurance Program’s Write Your Own program.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded numbers.

NA=Data not available.

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.

Investments, Property/Casualty Insurers, 2017-2019 (1)

($ millions, end of year)
  Amount Percent of total investments
Investment type 2017 2018 2019 2017 2018 2019
Bonds $979,530 $1,020,600 $1,066,685 57.91% 60.23% 57.05%
Stocks $417,449 $396,972 $500,031 24.68% 23.43% 26.74%
     Preferred 5,448 5,247 14,261 0.32 0.31 0.76
     Common 412,001 391,725 485,770 24.36 23.12 25.98
Mortgage loans on real estate $17,324 $18,876 $22,132 1.02% 1.11% 1.18%
     First liens 16,643 18,220 20,835 0.98 1.08 1.11
     Other than first liens 681 656 1,298 0.04 0.04 0.07
Real estate $12,887 $13,667 $13,677 0.76% 0.81% 0.73%
     Properties occupied by company 9,122 9,290 9,190 0.54 0.55 0.49
     Properties held for income production 3,543 3,950 4,102 0.21 0.23 0.22
     Properties held for sale 223 427 384 0.01 0.03 0.02
Cash, cash equivalent and short-term investments 115,060 101,384 115,039 6.80 5.98 6.15
Derivatives 233 411 273 0.01 0.02 0.01
Other invested assets 137,878 133,876 146,380 8.15 7.90 7.83
Receivable for securities 2,102 1,919 1,545 0.12 0.11 0.08
Securities lending reinvested collateral assets 4,440 4,804 4,444 0.26 0.28 0.24
Aggregate write-in for invested assets 4,673 1,915 -353 0.28 0.11 NA
Total cash and invested assets $1,691,575 $1,694,424 $1,869,854 100.00% 100.00% 100.00%

(1) Includes cash and net admitted assets of property/casualty insurers.

NA=Not applicable.

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

Atlantic and Gulf Coast States Ranked By Building Codes and Related Factors, 2012 to 2024 (1)

Rank State 2012 2015 2018 2021 2024
1 Virginia 95 95 94 94 96
2 Florida 95 94 95 95 95
3 South Carolina 84 92 92 92 92
4 New Jersey 94 89 90 90 92
5 Louisiana 74 82 83 82 91
6 Connecticut 81 88 89 89 90
7 Rhode Island 79 87 87 89 90
8 North Carolina 82 84 83 88 85
9 Massachusetts 87 79 81 78 77
10 Maryland 74 78 78 78 77
11 Georgia 67 69 68 69 67
12 New York 60 56 64 60 67
13 New Hampshire 49 48 46 48 47
14 Maine 64 55 54 55 46
15 Mississippi 4 28 28 29 44
16 Texas 18 36 34 34 33
17 Alabama 18 26 27 30 30
18 Delaware 17 17 17 17 23

(1) Rating based on the current statewide residential building code, the processes in place to ensure uniform code application, state and local enforcement programs, licensing and education of building officials, contractors, and subcontractors.

Source: Insurance Institute for Business and Home Safety.

U.S. Hurricane Wind Risk, Gulf and Atlantic States, 2025

Hurricane wind risk level Number of homes Reconstruction cost value (1)
($billions)
Moderate or greater 33,108,821 $11,675.9

(1) Combines materials, equipment and labor, but does not include the value of the land or lot.

Source: CotalityTM, a property data and analytics company.

Global Shipping Losses By Number Of Vessels By Region, 2015-2024 (1)

Region 2015-2024 2024
S. China, Indochina, Indonesia and Philippines 169 4
East Mediterranean and Black Sea 109 4
British Isles, N. Sea, Eng. Channel and Bay of Biscay 53 4
Japan, Korea and N. China 53 0
Arabian Gulf and approaches 37 1
West Mediterranean 28 0
West African Coast 24 0
Bay of Bengal 22 2
S. Atlantic and East Coast South America 22 2
West Indies 16 0
All other regions 148 10
Total world 681 27

(1) Total losses, vessels over 100 gross tons.

Source: Allianz Commercial, Safety and Shipping Review 2025. Copyright © 2025.

Global Shipping Losses By Number Of Vessels, 2015-2024 (1)

Year Losses
2015 105
2016 103
2017 94
2018 74
2019 72
2020 67
2021 62
2022 42
2023 35
2024 27

(1) Total losses, vessels over 100 gross tons.

Source: Allianz Commercial, Safety and Shipping Review 2025. Copyright © 2025.

Individual Annuity Considerations, 2015-2019 (1)

($ billions)
      Total
Year Variable Fixed Amount Percent change
from prior year
2015 $133.0 $102.7 $235.7 -0.5 %
2016 104.7 117.4 222.1 -5.8
2017 98.2 105.3 203.5 -8.4
2018 100.2 133.6 233.8 14.9
2019 101.9 139.8 241.7 3.4

(1) Based on LIMRA’s estimates of the total annuity sales market. Includes some considerations (i.e. premiums) that though bought in group settings involve individual buying decisions.

Source: U.S. Individual Annuities, 4th Quarter 2019, LIMRA, 2020.

Top 10 States By Drug Poisoning Deaths And Death Rates, 2023 (1)

  By number of deaths   By deaths per 100,000 people
Rank State Number of
deaths		 Deaths per
100,000 people		 Rank State Number of
deaths		 Deaths per
100,000 people
1 California 11,378 27.9 1 West Virginia 1,377 81.9
2 Florida 7,010 31.7 2 District of Columbia 427 60.7
3 New York 6,330 31.1 3 Delaware 525 53.0
4 Texas 5,687 18.5 4 Tennessee 3,616 52.3
5 Pennsylvania 4,757 37.1 5 Louisiana 2,224 50.6
6 Ohio 4,745 41.6 6 Alaska 359 49.4
7 Tennessee 3,616 52.3 7 New Mexico 993 48.9
8 Illinois 3,525 27.3 8 Kentucky 2,077 48.0
9 North Carolina 3,520 33.7 9 Maine 598 44.9
10 Washington 3,477 42.4 10 Washington 3,477 42.4

(1) Drug overdose caused by prescription and illegal drugs.

Source: Centers for Disease Control and Prevention, National Center for Health Services.

Top 10 Costliest Global Wildfires By Insured Losses, 1900-2025 (1)

(2025 US$ billions)
        Insured loss
Rank Date Country Event Dollars when
occurred		 In 2025
dollars (2)
1 Jan. 2025 U.S. Palisades Fire $23.0 $23.0
2 Jan. 2025 U.S. Eaton Fire 18.0 18.0
3 Nov. 2018 U.S. Camp Fire 10.0 13.0
4 Oct. 2017 U.S. Tubbs Fire 8.7 11.0
5 Nov. 2018 U.S. Woolsey Fire 4.2 5.4
6 Aug. 2023 U.S. Maui / Hawaii Fire 4.3 4.5
7 Oct. 1991 U.S. Oakland (Tunnel) Fire 1.7 4.0
8 Oct. 2017 U.S. Atlas Fire 3.0 4.0
9 May 2016 Canada Horse Creek Fire 2.9 3.9
10 Sep.-Oct. 2020 U.S. Glass Fire 3.0 3.7

(1) Individual wildfires. Includes losses sustained by private insurers and government-sponsored programs. Subject to change as loss estimates are further developed. As of January 2026.
(2) Adjusted for inflation by Aon using the U.S. consumer price index.

Note: Loss data shown here may differ from figures shown elsewhere for the same event due to differences in the date of publication, the geographical area covered and other criteria used by organizations collecting the data.ource: Aon.

 

</tbody

Top 10 Costliest Global Severe Convective Storms By Insured Losses, 1900-2025 (1)

(2025 US$ billions)
        Insured loss
Rank Date Country/region Event Dollars when
occurred		 In 2025
dollars (2)
1 Aug. 2020 U.S. Severe convective storm 
(includes Midwest Derecho)		 $9.2 $11.0
2 Apr. 2011 U.S. 2011 Super Outbreak 7.6 11.0
3 May 2011 U.S. Joplin Tornado/Severe convective storm 7.0 10.0
4 Mar. 2025 U.S. Severe convective storm 8.0 8.1
5 May 2025 U.S. Severe convective storm 6.0 6.0
6 May 2003 U.S. Severe convective storm 3.3 5.8
7 May 2024 U.S. Severe convective storm 5.2 5.4
8 Jul. 2013 Europe Storm Andreas 3.8 5.3
9 Mar. 2023 U.S. Severe convective storm 4.9 5.3
10 Mar. 2024 U.S. Severe convective storm 4.8 5.0

(1) Includes severe convective storms such as thunderstorms, tornadoes and hailstorms, straight-line winds and flooding that could occur with these storms. Includes losses sustained by private insurers and government-sponsored programs. Subject to change as loss estimates are further developed. As of January 2026.
(2) Adjusted for inflation by Aon using the U.S. consumer price index.

Note: Loss data shown here may differ from figures shown elsewhere for the same event due to differences in the date of publication, the geographical area covered and other criteria used by organizations collecting the data.

Source: Aon.

Top 10 Costliest Global Tropical Cyclones By Insured Losses, 1900-2025 (1)

(2025 US$ billions)
        Insured loss
Rank Date Country/region Event Dollars when
occurred		 In 2025
dollars (2)
1 Aug. 2005 U.S. Hurricane Katrina $65 $107
2 Sep. 2022 U.S., Cuba Hurricane Ian 54 59
3 Sep. 2017 U.S., Caribbean Hurricane Irma 33 44
4 Aug. 2021 U.S., Caribbean Hurricane Ida 36 43
5 Oct. 2012 U.S., Caribbean, Canada Hurricane Sandy 30 42
6 Aug. 2017 U.S. Hurricane Harvey 30 40
7 Sep. 2017 U.S., Caribbean Hurricane Maria 30 39
8 Aug. 1992 U.S., Caribbean Hurricane Andrew 16 37
9 Sep. 2008 U.S., Caribbean Hurricane Ike 18 27
10 Sep. 2024 U.S., Mexico, Cuba Hurricane Helene 21 22

(1) Includes losses sustained by private insurers and government-sponsored programs. Subject to change as loss estimates are further developed. As of January 2026.
(2) Adjusted for inflation by Aon using the U.S. consumer price index.

Note: Loss data shown here may differ from figures shown elsewhere for the same event due to differences in the date of publication, the geographical area covered and other criteria used by organizations collecting the data.

Source: Aon.

Top 10 Deadliest World Natural Catastrophes, 2019 (1)

Rank Date Country Event Deaths
1 Jun.-Oct. India India monsoon floods 1,750
2 Mar. 4-17 Southern Africa Cyclone Idai 1,303
3 Jun.-Jul. China China seasonal flooding 300
4 Oct.-Dec. East Africa East Africa floods 216
5 Jul. 9-31 Bangladesh Flooding 210
6 Mar. 16-18 Indonesia  Flooding 194
7 Apr. 15-17 India, Pakistan, Afghanistan Severe weather (2) 146
8 Jul.-Aug. Pakistan Flooding 143
9 Oct. Central Africa Central Africa floods 118
10 Jul.-Aug. Nepal Flooding 118
All other events       6,500
Total       11,000

(1) Natural disasters that cause at least 10 deaths. As of January 2020.
(2 ) Includes severe convective storms such as thunderstorms, tornadoes and hailstorms, straight-line winds and flooding that could occur with these storms.

Source: Aon.

Top 10 Most Destructive California Wildfires (1)

Rank Fire name and cause Date County Acres Structures Deaths
1 Camp Fire (Power lines) November 2018 Butte 153,336 18,804 85
2 Tubbs (Electrical) October 2017 Napa and Sonoma 36,807 5,636 22
3 Tunnel (Rekindle) October 1991 Alameda 1,600 2,900 25
4 Cedar (Human related) October 2003 San Diego 273,246 2,820 15
5 Valley (Electrical) September 2015 Lake, Napa and Sonoma 76,067 1,955 4
6 Witch (Power lines) October 2007 San Diego 197,990 1,650 2
7 Woolsey (Unde investigation) November 2018 Ventura  96,949 1,643 3
8 Carr (Human related) July 2018 Shasta County, Trinity County 229,651 1,614 8
9 Nuns (Power lines) October 2017 Sonoma 54,382 1,355 3
10 Thomas (Power lines) December 2017 Ventura and Santa Barbara 281,893 1,063 2

(1) As of August 8, 2019.

Source: CalFire.

First Half 2020 Financial Results*

Net Earned Premiums $312.7
Incurred Losses (Including loss adjustment expenses) 214.3
Expenses 89.4
Policyholder Dividends 4.4
Net Underwriting Gain (Loss) 4.6
Investment Income 25.5
Other Items 0.1
Pre-Tax Operating Gain 30.2
Realized Capital Gains (Losses) -1.4
Pre-Tax Income 28.8
Taxes 4.5
Net After-Tax Income $24.3
Surplus (End of Period) $825.8
Combined Ratio 97.5**

*Figures may not add to totals due to rounding. Calculations in text based on unrounded figures.
**Excludes mortgage and financial guaranty insurers.

Reported Fires By Property Use, 2024 (1)

Property use Fires Property loss (2) ($ millions)
Structures 470,500 $15,305 
   Residential  351,000 11,690
      Home  329,500 11,386
         One- and two-family homes (3) 253,500 9,409
         Apartments and other multi-family 76,000 1,977
         Other residential structures (4) 21,500 304
   Non-residential (5) 119,500 3,615
Vehicle fire  211,500 2,792
   Highway vehicle fire  178,500 2,164
   Other vehicle fire  33,000 628
Outside and other fire   706,000 989 (9)
   Fire outside but no vehicle (6) 79,500 187
   Fires in brush, grass, or wildlands (7) 302,000 (8)
   Outside rubbish fire  247,000 (8)
   All other fire  77,500 252
Total  1,388,000 $19,086 (9)

(1) Estimates based on data reported by fire departments responding to the 2024 National Fire Experience Survey. May exclude reports from some fire departments.
(2) Includes overall direct property loss to contents, structures, vehicles, machinery, vegetation or any other property involved in a fire. Excludes indirect losses, such as business interruption or temporary shelter costs.
(3) Includes manufactured homes.
(4) Includes hotels and motels, dormitories, rooming houses, residential board and care properties, and other residential properties.
(5) Public assembly, educational, institutional, retail, office, manufacturing, and industrial or utility properties.
(6) Outside storage, crops, timber, etc.
(7) Excludes crops and timber, with no value or loss involved.
(8) Property damage is not captured for brush, grass, or wildland fires with no loss or outside rubbish fires.
(9) Includes $550 million property loss estimates from California wildfires that occurred in 2024.

Source: Reproduced with permission from Fire Loss in the United States During 2024 by Shelby Hall, ©2025 National Fire Protection Association www.nfpa.org.

Top 10 Metro Areas By Greatest Loss Potential From Wildfires, 2020

($ billions)
  Single-family residences at elevated risk (1)
Rank Metro area State Number Reconstruction value (2)
1 Los Angeles California 154,462 $90.31
2 Riverside California 126,628 50.62
3 San Diego California 98,970 47.45
4 Sacramento California 73,863 30.55
5 Austin Texas 73,756 22.67
6 San Francisco California 37,600 18.76
7 Denver  Colorado 55,762 17.73
8 Thousand Oaks California 27,331 13.80
9 Truckee California 35,523 12.27
10 San Antonio Texas 41,229 11.66
  Multi-family residences at elevated risk (1)
Rank Metro area State Number Reconstruction value (2)
1 Breckenridge Colorado 4,135 $1.06
2 Los Angeles California 1,028 0.77
3 Riverside California 946 0.54
4 Sacramento California 847 0.43
5 San Diego California 760 0.43
6 San Francisco California 619 0.41
7 Sonora California 759 0.26
8 Redding California 495 0.22
9 Salinas California 223 0.17
10 Colorado Springs Colorado 342 0.12

(1) Includes the states with the majority of wildfire activity and related property destruction: Alaska, Arizona, California, Colorado, Florida, Idaho, Montana, New Mexico, Nevada, Oklahoma, Oregon, Texas, Utah, Washington and Wyoming.
(2) Based on the total destruction of the residential structure using the cost of materials and labor as well as factoring in pricing variations due to different geographic locations.

Source: CoreLogic®, a property data and analytics company. May not be re-sold, republished or licensed to any other source without prior written permission from CoreLogic.

Reconstruction Cost Value Of Residences At Wildfire Risk By State, 2019 (1)

($ billions)
  Risk (2)
State Low Moderate High Extreme
Arizona $448.74 $2.04 $7.95 $7.73
California  3,381.07 61.92 189.00 92.62
Colorado 401.65 9.55 27.05 33.66
Idaho 122.70 2.65 7.52 9.05
Montana 65.55 2.38 5.94 6.96
New Mexico 116.66 $2.27 10.66 9.23
Nevada  247.89 0.39 3.21 2.92
Oklahoma 249.75 0.05 0.06 0.03
Oregon 297.22 5.46 14.33 18.64
Texas 1,717.30 16.86 42.97 32.30
Utah 187.62 3.11 5.02 1.19
Washington 608.26 1.92 4.00 4.61
Wyoming 43.60 0.36 0.67 1.27

(1) Single- and multi-family residences. Reconstruction cost value is based on the total destruction of the residential structure using the combined cost of construction materials as well as equipment and labor.
(2) Residences at extreme risk are most likely to sustain damage or be destroyed because they are within or close to high-risk fuel locations where high intensity wildfires occur. Residences in low to high risk areas are further away from wildland fuels but are vulnerable to ember ignitions.

Source: CoreLogic®, a property data and analytics company.

Number Of Residences At Wildfire Risk By State, 2019 (1)

  Risk (2)
State Low Moderate High Extreme
Arizona 2,143,760 9,590 36,811 34,941
California  8,896,509 138,821 405,715 240,580
Colorado 1,674,723 33,461 91,026 113,002
Idaho 531,676 10,752 31,195 37,624
Montana 304,960 9,820 24,147 28,955
New Mexico 553,918 9,287 42,843 38,101
Nevada  939,019 1,104 7,998 6,989
Oklahoma 1,310,426 284 383 172
Oregon 1,191,803 21,642 57,083 74,703
Texas 7,836,840 73,957 195,366 174,038
Utah 779,926 8,969 13,863 3,563
Washington 2,359,166 7,690 15,510 18,508
Wyoming 193,790 1,461 2,683 4,928

(1) Single- and multi-family residences.
(2) Residences at extreme risk are most likely to sustain damage or be destroyed because they are within or close to high-risk fuel locations where high intensity wildfires occur. Residences in low to high risk areas are further away from wildland fuels but are vulnerable to ember ignitions.

Source: CoreLogic®, a property data and analytics company.

U.S. Wildfire Risk, 2020

  Single-family residences Multi-family residences
Risk Number Reconstruction
cost value (2)
($ billions)		 Number Reconstruction
cost value (2)
($ billions)
Low 28,516,304 $7,776.14 593,888 $308.61
Moderate 313,092 105.58 3,339 1.35
High 895,714 311.97 7,826 3.29
Extreme 766,310 220.58 3,334 1.53
Total moderate-extreme 1,975,116 $638.14 14,499 $6.17

(1) Includes the states with the majority of wildfire activity and related property destruction: Alaska, Arizona, California, Colorado, Florida, Idaho, Montana, New Mexico, Nevada, Oklahoma, Oregon, Texas, Utah, Washington and Wyoming.
(2) Based on the total destruction of the residential structure using the cost of materials and labor as well as factoring in pricing variations due to different geographic locations.

Source: CoreLogic®, a property data and analytics company. May not be re-sold, republished or licensed to any other source without prior written permission from CoreLogic.

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.

First quarter 2020 financial results*

($ billions)
Net Written Premiums    $164.4
Net Earned Premiums 157.7
Incurred Losses (Including loss adjustment
expenses and reserve adjustments)		 105.4
Expenses 46.0
Policyholder Dividends 0.8
Net Underwriting Gain 6.3
Net Investment Income 13.2
Other Items 0.0
Pre-Tax Operating Gain 19.4
Realized Capital Gains 1.6
Pre-Tax Income 20.6
Taxes 3.0
Net After-Tax Income $17.9
Surplus (End of Period) $771.9

*Figures may not add to totals due to rounding. Calculations in text based on unrounded figures.

U.S. Storm Surge Risk, Gulf and Atlantic States, 2019

  Single-family residential homes at risk Multi-family residential homes at risk
Storm surge
risk level (1)
(Storm category)		 Number of units Reconstruction
cost value (2)
($ millions)		 Number of units Reconstruction
cost value (2)
($ millions)
Category 1 815,559 $197,609.50 23,804 $7,962.00
Category 2 2,546,272 632,257.00 84,631 30,989.60
Category 3 4,633,815 1,138,183.10 161,027 59,089.10
Category 4 6,158,577 1,511,320.60 229,411 87,379.20
Category 5 7,071,745 1,701,112.20 246,033 91,892.80

(1) The risk categories are cumulative and increase in value from Category 1 to Category 5. Category 1 represents the higher risk of damage from a weak hurricane; Category 5 includes Categories 1 to 4 and the low risk of damage from a Category 5 hurricane.
(2) Represents the cost to completely rebuild including labor and materials by geographic location.

Source: CoreLogic®, a property data and analytics company.

Investments, Property/Casualty Insurers, 2016-2018 (1)

($ millions, end of year)
  Amount Percent of total investments
Investment type 2016 2017 2018 2016 2017 2018
Bonds $973,277 $979,530 $1,020,600 61.25% 57.91% 60.23%
Stocks $359,164 $417,449 $396,972 22.60% 24.68% 23.43%
     Preferred 10,849 5,448 5,247 0.68 0.32 0.31
     Common 348,314 412,001 391,725 21.92 24.36 23.12
Mortgage loans on real estate $15,032 $17,324 $18,876 0.95% 1.02% 1.11%
     First liens 14,407 16,643 18,220 0.91 0.98 1.08
     Other than first liens 625 681 656 0.04 0.04 0.04
Real estate $12,272 $12,887 $13,667 0.77% 0.76% 0.81%
     Properties occupied by company 8,933 9,122 9,290 0.56 0.54 0.55
     Properties held for income production 3,061 3,543 3,950 0.19 0.21 0.23
     Properties held for sale 278 223 427 0.02 0.01 0.03
Cash, cash equivalent and short-term investments 92,340 115,060 101,384 5.81 6.80 5.98
Derivatives 531 233 411 0.03 0.01 0.02
Other invested assets 128,710 137,878 133,876 8.10 8.15 7.90
Receivable for securities 1,679 2,102 1,919 0.11 0.12 0.11
Securities lending reinvested collateral assets 2,582 4,440 4,804 0.16 0.26 0.28
Aggregate write-in for invested assets 3,319 4,673 1,915 0.21 0.28 0.11
Total cash and invested assets $1,588,905 $1,691,575 $1,694,424 100.00% 100.00% 100.00%

(1) Includes cash and net admitted assets of property/casualty insurers.

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

Homeowners Insurance Claims And Payout For Lightning Losses, 2017-2019

Year Number of
claims		 Average cost
per claim 		 Value of claims
($ millions)
2017 85,020 $10,781 $916.6
2018 77,898 11,668 908.9
2019 76,860 11,971 920.1
Percent change      
2018-2019 -1.3% 2.6% 1.2%
2017-2019 -9.6 11.0 0.4

Source: Insurance Information Institute.

Top 10 States For Homeowners Insurance Lightning Losses By Number Of Claims, 2019

Rank State Number of
claims		 Value of
claims ($ millions)		 Average cost
per claim
1 Florida 6,821 $93.2 $13,669
2 Texas 5,780 88.3 15,278
3 California 5,100 71.9 14,105
4 Georgia 4,436 49.3 11,115
5 Louisiana 3,540 31.9 9,025
6 New York 2,866 39.5 13,792
7 North Carolina 2,849 31.8 11,165
8 Pennsylvania 2,838 27.3 9,612
9 Alabama 2,514 30.3 12,051
10 Illinois 2,438 24.6 10,078
  Total, top 10 39,182 $488.2 $12,460
  Other states 37,678 431.8 11,461
  Total U.S. 76,860 $920.1 $11,971

Source: Insurance Information Institute.

Top 10 Costliest U.S. Civil Disorders (1)

($ millions)
      Estimated loss (2)  
Rank (3) Date Location Dollars when occurred In 2020 dollars (4)
1 May 26-June 8, 2020 >20 states >$1,000 (5) >$1,000 (5)
2 Apr. 29-May 4, 1992 Los Angeles, CA 775 1,437
3 Aug. 11-17, 1965 Los Angeles, CA 44 361
4 Jul. 23, 1967 Detroit, MI 42 326
5 May 17-19, 1980 Miami, Fl 65 206
6 Apr. 4-9, 1968 Washington, DC 24 181
7 Jul. 13-14, 1977 New York, NY 28 119
8 Jul. 12. 1967 Newark, NJ 15 116
9 Apr. 6-9, 1968 Baltimore, MD 14 105
10 Apr. 4-11, 1968 Chicago, IL 13 98

(1) From 1965-2020. As of September 30, 2020.
(2) Includes riots and civil disorders causing insured losses to the insurance industry of at least $1 million up to 1992; $5 million from 1992 to 1996 and $25 million thereafter.
(3) Ranked on 2020 dollars.
(4) Adjusted to 2020 dollars by the Insurance Information Institute using the Bureau of Labor Statistics CPI Inflation Calculator
(5) Preliminary estimate from PCS. This event is still open for further evaluation.

Source: The Property Claim Services® (PCS®) unit of ISO®, a Verisk Analytics® company, U.S. Bureau of Labor Statistics, Insurance Information Institute.

Top 10 Writers Of Private Crop Insurance By Direct Premiums Written, 2024

($000)
Rank Group/company Direct premiums written (1) Market share (2)
1 QBE Insurance Group Ltd. $284,323 19.2%
2 Zurich Insurance Group 281,180 19.0
3 Chubb Ltd. 232,791 15.7
4 Farmers Mutual Hail Insurance Company of Iowa 171,520 11.6
5 Great American Insurance Group 169,596 11.5
6 Sompo 169,437 11.5
7 American International Group (AIG) 45,118 3.1
8 Tokio Marine 42,012 2.8
9 COUNTRY Financial 23,524 1.6
10 Fairfax Financial Holdings 21,128 1.4

(1) Before reinsurance transactions, includes state funds.
(2) Based on U.S. total, excluding territories.

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

Individual Annuity Considerations, 2014-2018 (1)

($ billions)
      Total
Year Variable Fixed Amount Percent change
from prior year
2014 $140.1 $96.9 $237.0 3.1%
2015 133.0 102.7 235.7 -0.5
2016 104.7 117.4 222.1 -5.8
2017 98.2 105.3 203.5 -8.4
2018 100.2 133.6 233.8 14.9

(1) Based on LIMRA’s estimates of the total annuity sales market. Includes some considerations (i.e. premiums) that though bought in group settings involve individual buying decisions.

Source: U.S. Individual Annuities, 4th Quarter 2018, LIMRA, 2019.

Top 10 Writers of Ocean Marine Insurance By Direct Premiums Written, 2024

($000)
Rank Group/company Direct premiums written (1) Market share (2)
1 American International Group (AIG) $766,173 14.3%
2 Starr International Co. 433,645 8.1
3 Tokio Marine 360,170 6.7
4 Travelers Companies Inc. 347,475 6.5
5 Chubb Ltd. 339,439 6.3
6 Berkshire Hathaway Inc. 231,520 4.3
7 Hartford Financial Services 223,108 4.2
8 Great American Insurance Group 190,854 3.6
9 Intact Financial Corp. 155,717 2.9
10 American Steamship Owners 142,964 2.7

(1) Before reinsurance transactions, includes state funds.
(2) Based on U.S. total, excluding territories.

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

Top 10 Writers of Inland Marine Insurance By Direct Premiums Written, 2024

($000)
Rank Group/company Direct premiums written (1) Market share (2)
1 Liberty Mutual $4,315,714 12.8%
2 CNA Financial Corp. 2,833,026 8.4
3 Allianz 2,483,119 7.4
4 Chubb Ltd. 1,874,120 5.6
5 Zurich Insurance Group 1,513,220 4.5
6 American International Group (AIG) 1,490,928 4.4
7 Assurant Inc. 1,157,400 3.4
8 Travelers Companies Inc. 993,580 3.0
9 State Farm 884,972 2.6
10 FM Global 882,831 2.6

(1) Before reinsurance transactions, includes state funds.
(2) Based on U.S. total, excluding territories.

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

Top 10 Writers of Medical Professional Liability Insurance By Direct Premiums Written, 2024

($000)
Rank Group/company Direct premiums written (1) Market share (2)
1 Berkshire Hathaway Inc. $2,170,886 16.8%
2 The Doctors Company 1,267,448 9.8
3 CNA Financial Corp. 754,580 5.9
4 ProAssurance Corp. 679,670 5.3
5 MagMutual Insurance Co. 598,769 4.6
6 Coverys Insurance Group 476,478 3.7
7 Liberty Mutual 454,792 3.5
8 MCIC Vermont 449,757 3.5
9 Curi 411,920 3.2
10 Chubb Ltd. 241,767 1.9

(1) Before reinsurance transactions, includes state funds.
(2) Based on U.S. total, excluding territories.

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

Top 10 Writers of Commercial Multiple Peril Insurance By Direct Premiums Written, 2024

($000)
Rank Group/company Direct premiums written (1) Market share (2)
1 Travelers Companies Inc. $5,968,659 9.1%
2 Hartford Financial Services 3,563,137 5.4
3 Chubb Ltd. 3,492,312 5.3
4 State Farm 2,902,175 4.4
5 Tokio Marine 2,680,268 4.1
6 Auto-Owners Insurance Co. 2,528,787 3.8
7 Liberty Mutual 2,498,354 3.8
8 The Cincinnati Insurance Co. 1,829,031 2.8
9 Farmers Insurance Group of Companies 1,823,654 2.8
10 Erie Insurance 1,712,855 2.6

(1) Before reinsurance transactions, includes state funds.
(2) Based on U.S. total, excluding territories.

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

Top 10 Writers Of Product Liability Insurance By Direct Premiums Written, 2024

($000)
Rank Group/company Direct premiums written (1) Market share (2)
1 Chubb Ltd. $571,896 10.5%
2 American International Group (AIG) 320,110 5.9
3 W.R. Berkley Corp. 268,346 4.9
4 Hartford Financial Services 258,987 4.8
5 Allianz 258,202 4.7
6 Kinsale Insurance Co. 251,015 4.6
7 Selective Insurance Group Inc. 250,384 4.6
8 Great American Insurance Group 244,250 4.5
9 Travelers 208,586 3.8
10 Fairfax Financial Holdings 205,139 3.8

(1) Before reinsurance transactions, includes state funds.
(2) Based on U.S. total, excluding territories.

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

Top 10 Writers Of Other Liability Insurance By Direct Premiums Written, 2024

Rank Group/company Direct premiums written (1) Market share (2)
1 Chubb Ltd. $8,795,047 7.3%
2 Travelers Companies Inc. 5,926,648 4.9
3 Berkshire Hathaway Inc. 5,244,223 4.4
4 W.R. Berkley Corp. 4,569,263 3.8
5 Fairfax Financial Holdings 4,393,898 3.7
6 American International Group (AIG) 4,176,496 3.5
7 CNA Financial Corp. 4,084,785 3.4
8 Markel 4,029,742 3.3
9 AXA 3,910,246 3.2
10 Liberty Mutual 3,669,508 3.1

(1) Before reinsurance transactions, includes state funds.
(2) Based on U.S. total, excluding territories.

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

Top 10 States Ranked By Number of Hail Loss Claims, 2017-2019

Rank  State 2017-2019 Rank  State 2019
1 Texas  637,977 1 Texas  192,988
2 Colorado  380,066 2 Colorado  69,742
3 Nebraska  161,374 3 Nebraska  56,897
4 Minnesota  150,673 4 Kansas  50,737
5 Illinois  150,416 5 Minnesota  49,973
6 Kansas  147,793 6 Illinois  47,798
7 Missouri  133,704 7 Missouri  33,976
8 Iowa  113,139 8 North Carolina  25,026
9 Indiana  63,892 9 Iowa  19,744
10 North Carolina  58,342 10 Indiana  18,404

Source: National Insurance Crime Bureau based on an analysis of data from ISO ClaimSearch®.

Full-Year 2019 Financial Results

  $ Billions
Net Premiums Earned $621.88
LLAE 442.11
Expenses 172.32
Policyholder Dividends 3.84
Net Underwriting Gains 3.65
Investment Income 54.43
Other Items -1.42
Pre-tax Operating Income 59.5
Realized Capital Gains 10.44
Pre-tax Income 69.94
Taxes 8.49
Net After-tax Income 61.45
Surplus 847.81
Combined Ratio 98.90%

Directors and Officers Insurance, 2015-2024 (1)

($000)
Year Direct premiums written (2) Annual percent change Direct losses incurred Direct incurred loss ratio
2015 $6,429,310 (3) $3,690,204 57.5%
2016 6,434,858 0.1% 3,542,336 55.7
2017 6,456,990 0.3 3,990,125 62.4
2018 6,390,730 -1.0 3,938,349 62.8
2019 7,649,716 19.7 4,131,819 60.0
2020 10,779,884 40.9 5,445,959 60.9
2021 14,930,820 38.5 7,055,051 54.7
2022 13,565,951 -9.1 8,481,879 58.5
2023 11,513,628 -15.1 6,469,935 50.7
2024 10,779,526 -6.4 5,615,396 50.8
         

(1) Directors and Officers Insurance can be a stand-alone policy which is not part of Commercial Multi-Peril Insurance or a package policy which is part of Commercial Multi-Peril. The data in the chart pertains to stand-alone only. The Directors and Officers Insurance portion of Commercial Multi-Peril does not represent a material amount of industry Directors and Officers Insurance premium.
(2) Before reinsurance transactions.
(3) Less than 0.1 percent.

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

Cybersecurity Insurance, 2019-2024 (1)

($000)
Year Direct premiums written (2) Annual percent change Direct losses paid Direct paid loss ratio
2019 $2,248,653 12.0% $458,796 22.7%
2020 2,774,493 23.4 951,342 38.9
2021 4,795,741 72.9 1,329,509 37.1
2022 7,237,211 50.9 1,393,199 22.1
2023 7,247,923 0.1 1,389,709 18.8
2024 7,082,715 -2.3 2,900,350 43.6

(1) Includes stand-alone policies and the cybersecurity portion of package policies. Does not include premiums from companies that cannot report premiums for cybersecurity coverage provided as part of package policies.
(2) Before reinsurance transactions.

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

Identity Theft Insurance, 2019-2023 (1)

($000)
Year Direct premiums written (2) Annual percent change Direct losses paid Direct paid loss ratio
2019 $234,212 3.7% $464 0.2%
2020 240,231 2.6 1,322 0.6
2021 241,568 0.6 702 0.3
2022 250,493 3.7 357 0.2
2023 241,379 -3.6 483 0.2

(1) Includes stand-alone policies and the identity theft portion of package policies. Does not include premiums from companies that cannot report premiums for identity theft coverage provided as part of package policies.
(2) Before reinsurance transactions.

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

Total And Pedalcyclists Traffic Fatalities And Fatality Rates By City, 2016 (1)

      Pedalcyclists Fatality rate
per million
population
City (2) Resident
population		 Total
traffic
fatalities		 Fatalities As a percent
of total
traffic fatalities		 Total Pedalcyclist Pedalcyclist
rank (3)
New York, NY 8,537,673 230 19 8.3% 26.94 2.23 17
Los Angeles, CA 3,976,322 315 20 6.3 79.22 5.03 7
Chicago, IL 2,704,958 123 5 4.1 45.47 1.85 20
Houston, TX 2,303,482 248 7 2.8 107.66 3.04 14
Phoenix, AZ 1,615,017 225 8 3.6 139.32 4.95 8
Philadelphia, PA 1,567,872 101 3 3.0 64.42 1.91 19
San Antonio, TX 1,492,510 194 5 2.6 129.98 3.35 9
San Diego, CA 1,406,630 96 1 1.0 68.25 0.71 30
Dallas, TX 1,317,929 190 0 (4) 144.17 (5) 31
San Jose, CA 1,025,350 60 3 5.0 58.52 2.93 15
Austin, TX 947,890 86 2 2.3 90.73 2.11 18
Jacksonville, FL 880,619 149 7 4.7 169.2 7.95 1
San Francisco, CA 870,887 28 1 3.6 32.15 1.15 29
Columbus, OH 860,090 53 1 1.9 61.62 1.16 28
Indianapolis, IN 855,164 96 6 6.3 112.26 7.02 3
Fort Worth, TX 854,113 84 1 1.2 98.35 1.17 27
Charlotte, NC 842,051 93 1 1.1 110.44 1.19 26
Seattle, WA 704,352 27 2 7.4 38.33 2.84 16
Denver, CO 693,060 54 4 7.4 77.92 5.77 5
El Paso, TX 683,080 67 0 (4) 98.09 (5) 31
Washington, DC 681,170 27 1 3.7 39.64 1.47 25
Boston, MA 673,184 27 0 (4) 40.11 (5) 31
Detroit, MI 672,795 118 4 3.4 175.39 5.95 4
Nashville-Davidson metropolitan area,TN 660,388 65 1 1.5 98.43 1.51 24
Memphis, TN 652,717 120 2 1.7 183.85 3.06 13
Portland, OR 639,863 43 5 11.6 67.2 7.81 2
Oklahoma City, OK 638,367 87 2 2.3 136.29 3.13 12
Las Vegas, NV 632,912 58 2 3.4 91.64 3.16 11
Louisville/Jefferson County metropolitan area, KY 616,261 87 2 2.3 141.17 3.25 10
Baltimore, MD 614,664 41 1 2.4 66.7 1.63 23
Milwaukee, WI 595,047 59 1 1.7 99.15 1.68 22
Albuquerque, NM 559,277 94 1 1.1 168.07 1.79 21
Tucson, AZ 530,706 59 3 5.1 111.17 5.65 6
Fresno, CA 522,053 13 0 (4) 24.9 (5) 31

(1) Ranked by city population. Pedalcyclists are defined by the National Highway Safety Administration as bicyclists and othe cyclists including riders of two-wheeled, nonmotorized vehicles, tricycles and unicycles.
(2) Population of 500,000 or more.
(3) Cities with the same pedalist fatality rate per million population receive the same rank.
(4) Less than 0.1 percent.
(5) Less than 0.01 per million population.

Source: U.S. Department of Transportation, National Highway Traffic Safety Administration; U.S. Census Bureau.

Motor Vehicle Traffic Crash Fatalities, Pedalcyclist Fatalities, And Fatality Rates By State, 2016 (1)

      Pedalcyclists
 State   Resident population
(000)		  Total traffic fatalities   Fatalities   Percent of total
traffic fatalities 		  Fatalities per
million population
 Alabama   4,863   1,038   2   0.2%   0.41 
 Alaska   742   84   1  1.2  1.35 
 Arizona   6,931   962   31  3.2  4.47 
 Arkansas   2,988   545   3  0.6  1.00 
 California   39,250   3,623   147  4.1  3.75 
 Colorado   5,541   608   16  2.6  2.89 
 Connecticut   3,576   293   5  1.7  1.40 
 Delaware   952   119   2  1.7  2.10 
 District of Columbia   681   27   1  3.7  1.47 
 Florida   20,612   3,174   138  4.3  6.69 
 Georgia   10,310   1,554   29  1.9  2.81 
 Hawaii   1,429   120   0  (2) (3)
 Idaho   1,683   253   6  2.4  3.56 
 Illinois   12,802   1,082   20  1.8  1.56 
 Indiana   6,633   821   19  2.3  2.86 
 Iowa   3,135   404   8  2.0  2.55 
 Kansas   2,907   429   5  1.2  1.72 
 Kentucky   4,437   834   9  1.1  2.03 
 Louisiana   4,682   757   22  2.9  4.70 
 Maine   1,331   161   4  2.5  3.00 
 Maryland   6,016   505   16  3.2  2.66 
 Massachusetts   6,812   389   10  2.6  1.47 
 Michigan   9,928   1,064   38  3.6  3.83 
 Minnesota   5,520   392   7  1.8  1.27 
 Mississippi   2,989   690   5  0.7  1.67 
 Missouri   6,093   945   8  0.8  1.31 
 Montana   1,043   190   3  1.6  2.88 
 Nebraska   1,907   218   1  0.5  0.52 
 Nevada   2,940   328   6  1.8  2.04 
 New Hampshire   1,335   136   2  1.5  1.50 
 New Jersey   8,944   601   18  3.0  2.01 
 New Mexico   2,081   402   4  1.0  1.92 
 New York   19,745   1,025   38  3.7  1.92 
 North Carolina   10,147   1,450   17  1.2  1.68 
 North Dakota   758   113   3  2.7  3.96 
 Ohio   11,614   1,132   18  1.6  1.55 
 Oklahoma   3,924   683   5  0.7  1.27 
 Oregon   4,093   495   10  2.0  2.44 
 Pennsylvania   12,784   1,188   16  1.3  1.25 
 Rhode Island   1,056   51   2  3.9  1.89 
 South Carolina   4,961   1,015   25  2.5  5.04 
 South Dakota   865   116   0  (2) (3)
 Tennessee   6,651   1,041   9  0.9  1.35 
 Texas   27,863   3,776   65  1.7  2.33 
 Utah   3,051   281   5  1.8  1.64 
 Vermont   625   62   1  1.6  1.60 
 Virginia   8,412   760   10  1.3  1.19 
 Washington   7,288   537   17  3.2  2.33 
 West Virginia   1,831   269   1  0.4  0.55 
 Wisconsin   5,779   607   11  1.8  1.90 
 Wyoming   586   112   1  0.9  1.71 
 U.S. Total   323,128   37,461   840   2.2%   2.60 

(1) Pedalcyclists are defined by the National Highway Safety Administration as bicyclists and othe cyclists including riders of two-wheeled, nonmotorized vehicles, tricycles and unicycles.
(2) Less than 0.1 percent.
(3) Less than 0.01 per million population.

Source: U.S. Census Bureau, National Highway Safety Administration.

Top 10 Costliest World Natural Disasters By Insured Losses, 2010-2019 (1)

(2019 US$ billions)
Rank Year Country/region Event Insured loss (2)
1 2011 Japan Tohoku earthquake and tsunami $40
2 2012 U.S., Caribbean Hurricane Sandy 33
3 2017 U.S., Caribbean Hurricane Irma 33
4 2017 U.S., Southeast Hurricane Harvey 31
5 2017 U.S., Caribbean Hurricane Maria 31
6 2011 Thailand Thailand floods 18
7 2012 U.S. Drought 16
8 2011 New Zealand Christchurch earthquake 16
9 2018 Japan Typhoon Jebi 13
10 2018 U.S. Hurricane Michael 13

(1) Natural disasters that cause at least $25 million in insured losses; or 10 deaths; or 50 people injured; or 2,000 filed claims or homes and structures damaged. Losses for hurricanes in the United States include losses for the National Flood Insurance Program. As of January 2020.
(2) Adjusted for inflation by Aon.

Note: Loss data shown here may differ from figures shown elsewhere for the same event due to differences in the date of publication, the geographical area covered and other criteria used by organizations collecting the data.

Source: Aon.

World Natural Disaster Insured Losses By Peril, 2000-2019 (1)

(2019 US$ billions)
Peril Insured loss (2)
Tropical cyclone $446
Severe weather (3) 359
Flooding 188
Earthquake 102
Drought 80
Winter weather 62
Wildfire 57
European windstorm 47
Other 1

(1) Natural disasters that cause at least $25 million in insured losses; or 10 deaths; or 50 people injured; or 2,000 filed claims or homes and structures damaged. As of January 2020.
(2) Adjusted for inflation by Aon using the U.S. Consumer Price Index.
(3) Includes losses from severe convective storms such as thunderstorms, tornadoes and hailstorms, straight-line winds and flooding that could occur with these storms.

Source: Aon.

Incurred Losses For Commercial Insurance, 2014-2018 (1)

Year Incurred losses (2)
2014 $117,089,504
2015 117,591,118
2016 124,688,807
2017 137,941,226
2018 148,766,154

(1) Includes private passenger auto insurance, and homeowners and farmowners multiple peril insurance.
(2) Losses occurring within a fixed period, whether or not adjusted or paid during the same period, after reinsurance transactions.

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

First Nine Months 2019 Financial Results*

(Billions)
Net Earned Premiums $463.190
Incurred Losses (including LAE and reserve changes) 327.059
Other underwriting and operations expenses 129.220
Policyholder Dividends 1.555
Net Underwriting Gain/Loss 5.356
Net Investment Income Earned 40.378
Net Other Items 1.370
Pre-tax Operating Gain/Loss 47.104
Net Realized Capital Gains/Losses 7.457
Net Pre-tax Income 54.560
Taxes 6.480
Net After-Tax Income $48.075
Surplus (End of Period) $812.2
Combined Ratio 97.8

*Figures may not add to totals due to rounding. Calculations in text based on unrounded figures.

Top Five Deadliest World Earthquakes/Tsunamis, 1980-2018 (1)

Rank Date Event Affected areas Fatalities
1 Dec. 26, 2004 Earthquake, tsunami Indonesia, India, Thailand, Sri Lanka, Maldives,
Myanmar, Malaysia, Bangladesh		 220,060
2 Jan. 12, 2010 Earthquake Haiti: Port-au-Prince, Petionville, Jacmel, Carrefour, Leogane, Petit Goave, Gressier 159,000
3 Oct. 8, 2005 Earthquake Pakistan, India, Afghanistan 87,304
4 May 12, 2008 Earthquake China: Sichuan, Mianyang, Beichuan, Wenchuan,
Shifang, Chengdu, Guangyuan, Ngawa, Ya’an,
Ziyang, Meishan, Suining, Garzê, Neijiang, Gansu,
Shaanxi, Chongqing, Yunnan, Maoxian		 87,149
5 Jun. 20, 1990 Earthquake Iran, Islamic Republic of: Caspian Sea, Gilan province,
Manjil, Rudbar, Zanjan, Safid, Qazvin		 40,000

(1) As of January 2020.

Source: ©2018 Munich Re, NatCatSERVICE.

Top 10 Private Industry Sectors By Number Of Nonfatal Occupational Injuries and Illnesses, 2017

Rank Industry Number (000) Percent of total
private industry
1 Healthcare and social assistance 582.8 20.7%
2 Manufacturing 428.9 15.3
3 Retail trade 395.7 14.1
4 Accommodation and food services 282.6 10.1
5 Transportation and warehousing 215.6 7.7
6 Construction 198.1 7.0
7 Wholesale trade 157.9 5.6
8 Administrative and waste services 116.9 4.2
9 Professional and technical services 69.7 2.5
10 Miscellaneous services  66.0 2.3
  Total, top 10 2,514.2 89.4%
  Total, private industry 2,811.5 100.0%

Source: U.S.Bureau of Labor Statistics, U.S. Department of Labor.

Passenger Vehicle Collision Coverage Insurance Losses, 2015-2017 Model Years

  Claim frequency (1) Claim severity Overall loss (2)
Passenger cars and minivans 8.5 $5,580 $472
Pickups 6.4 5,556 356
SUVs 6.6 5,562 367
All passenger vehicles (3) 7.4 $5,573 $415

(1) Per 100 insured vehicle years.
(2) Represents the average loss payment per insured vehicle year.
(3) Includes claims from cargo/passenger vans.

Source: Highway Loss Data Institute.

First Half 2019 Financial Results*

($ billions)
Net Earned Premiums $304.0
Incurred Losses (Including loss adjustment expenses) 212.6
Expenses 85.0
Policyholder Dividends 1.1
Net Underwriting Gain (Loss) 5.4
Investment Income 26.9
Other Items -0.9
Pre-Tax Operating Gain 33.1
Realized Capital Gains (Losses) 4.3
Pre-Tax Income 37.5
Taxes 4.7
Net After-Tax Income $32.8
Surplus (End of Period) $802.19
Combined Ratio 97.3**

*Figures may not add to totals due to rounding. Calculations in text based on unrounded figures.
**Includes mortgage and financial guaranty insurers.

Top 10 Deadliest World Natural Catastrophes, 1950-2025 (1)

Rank Date Country/region Event Deaths
1 Nov. 12, 1970 Bangladesh Cyclone Bhola  300,000
2 Jul. 27, 1976 China Tangshan earthquake 242,769
3 Jul. 30, 1975 Taiwan, China Super Typhoon Nina 230,029
4 Dec. 26, 2004 Indian Ocean Basin Indian Ocean earthquake and tsunami 226,408
5 Jan. 12, 2010 Haiti Port-au-Prince earthquake 160,000
6 Apr. 1991 Bangladesh Cyclone Gorky 139,000
7 May 2008 Myanmar Cyclone Nargis 138,366
8 Aug. 1971 Vietnam Vietnam floods 100,000
9 Oct. 8, 2005 Pakistan Kashmir earthquake 88,000
10 May 12, 2008 China Sichuan earthquake 87,652

(1) Natural disasters that cause at least 10 deaths. Does not include drought or heatwave events. As of January 2026.

Source: Aon.

Top 10 Deadliest World Natural Catastrophes, 2025 (1)

Rank Date Country Event Deaths
1 Jun. 1 – Aug. 31 Western, Central, Southern Europe European Heatwaves 24,400
2 Mar. 28 Myanmar, Thailand, China, Vietnam Myanmar Earthquake 5,456
3 Aug. 31 Afghanistan Kunar Earthquake 3,000
4 Nov. 25 – Dec. 1 Malaysia, Indonesia, Thailand Cyclone Senyar 1,406
5 Nov. 26 – Dec. 4 Sri Lanka, India Cyclone Ditwah 643
6 May 29 Nigeria Mokwa Flash Floods 500
7 Aug. 15-17 Pakistan Monsoon Floods 450
8 Apr. 1 – Oct. 31 U.S. Maricopa Heatwaves 425
9 Aug. 31 Sudan Tarasin Landslide 400
10 Oct. 31 – Nov. 7 Philippines, Vietnam, Thailand Typhoon Kalmaegi 288
All other events       ~ 5,000
Total       ~ 42,000

(1) Natural disasters that cause at least 10 deaths. As of January 2026.

~ =Approximately.

Source: Aon.

World Natural Disaster Insured Losses By Peril, 2000-2018 (1)

(2019 US$ millions)
Peril Insured loss (2)
Tropical cyclone $416,800
Severe weather (3) 327,700
Flooding 174,100
Earthquake 101,900
Drought 77,200
Winter weather 59,900
Wildfire 53,800
European windstorm 44,500
Other 1,300

(1)Natural disasters that cause at least US$25 million in insured losses; or 10 deaths; or 50 people injured; or 2,000 filed claims or homes and structures damaged. As of September 13, 2019.
(2) Adjusted for inflation by Aon using the U.S. Consumer Price Index.
(3) Includes losses from severe convective storms such as thunderstorms, tornadoes and hailstorms, straight-line winds and flooding that could occur with these storms.

Source: Aon.

Top 10 Costliest World Natural Disasters By Insured Losses, 1900-2025 (1)

(2025 US$ billions)
        Insured loss
Rank Date  Country/region Event Dollars when occurred In 2025 dollars (2)
1 Aug. 2005 U.S. Hurricane Katrina $65 $107
2 Sept. 2022 U.S., Cuba Hurricane Ian 54 59
3 Mar. 11, 2011 Japan Tohoku Earthquake/Tsunami 35 51
4 Sep. 2017 U.S., Caribbean Hurricane Irma 33 44
5 Aug.-Sep. 2021 U.S., Caribbean Hurricane Ida 36 43
6 Oct. 2012 U.S. Hurricane Sandy 30 42
7 Aug.-Sep. 2017 U.S. Hurricane Harvey 30 40
8 Sep. 2017 U.S., Caribbean Hurricane Maria 30 39
9 Aug. 1992 U.S., Bahamas Hurricane Andrew 16 37
10 Jan. 17, 1994 U.S. Northridge Earthquake 15 34

(1) Natural disasters that cause at least US$25 million in insured losses; or 10 deaths; or 50 people injured; or 2,000 filed claims or homes and structures damaged. Losses for hurricanes in the United States include losses for the National Flood Insurance Program. As of January 2026.
(2) Adjusted for inflation by Aon using the U.S. Consumer Price Index.

Note: Loss data shown here may differ from figures shown elsewhere for the same event due to differences in the date of publication, the geographical area covered and other criteria used by organizations collecting the data.

Source: Aon.

World Natural Disaster Events Ranked By Insured Losses, 2025 (1)

(2025 US$ billions)
Rank Peril Insured loss (US$ billions)
1 Severe Convective Storm $61
2 Tropical Cyclone 42
3 Flooding 9
4 Winter Weather 5
5 Drought 3
6 Wildfire 2
7 European Windstorm 2
8 Earthquake 1
9 Other 0
  Total (2) $127

(1) Natural disasters that cause at least US$25 million in insured losses; or 10 deaths; or 50 people injured; or 2,000 filed claims or homes and structures damaged. As of January 2026.
(2) Peril amounts and Total cited may be different due to rounding by the source, Aon.

Note: Loss data shown here may differ from figures shown elsewhere for the same event due to differences in the date of publication, the geographical area covered, and other criteria used by organizations collecting the data.

Source: Aon.

Top 10 Costliest World Natural Disasters By Insured Losses, 2025 (1)

(US$ billions)
Rank Date Country/region Event Insured loss (2)
1 Jan. 7-28 U.S. Palisades Fire $23.0
2 Jan. 7-28 U.S. Eaton Fire 18.0
3 Mar. 14-16 U.S. Severe Convective Storm 8.1
4 May 14-16 U.S. Severe Convective Storm 6.0
5 Apr. 1-7 U.S. Mississippi Valley Floods 3.0
6 May 17-20 U.S. Severe Convective Storm 2.5
7 Oct. 24-31 Caribbean Hurricane Melissa 2.5
8 Jun. 15-17 U.S. Severe Convective Storm 2.0
9 Apr. 17-20 U.S. Severe Convective Storm 2.0
10 Mar. 28-31 U.S., Canada Severe Convective Storm 1.9
All other events       58.0
Total 2025       $127

(1) Natural disasters that cause at least US$25 million in insured losses; or 10 deaths; or 50 people injured; or 2,000 filed claims or homes and structures damaged. Hurricane losses in the United States include National Flood Insurance Program losses. As of January 2026.
(2) Includes losses sustained by private insurers and government-sponsored programs. Subject to change as loss estimates are further developed.

Note: Loss data shown here may differ from figures shown elsewhere for the same event due to differences in the date of publication, the geographical area covered and other criteria used by organizations collecting the data.

Private Flood Insurance, 2017-2024

($000)
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2017 $470,963 69.6% 186.2 93.1 pts.
2018 540,902 14.9 55.0 -131.2
2019 287,197 -46.9 59.5 4.5
2020 302,445 5.3 50.7 -8.8
2021 524,211 73.3 65.0 14.3
2022 774,279 47.7 71.1 6.1
2023 803,069 3.7 33.9 -37.2
2024 729,954 -9.1 83.1 49.2

(1) After reinsurance transactions, excludes state funds and premiums written by private insurers participating in the National Flood
Insurance Program’s Write Your Own program.
(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, 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.

Atlantic And Gulf Of Mexico Coastline County Population, 2000-2017

Year Population
(millions)		 Year Population
(millions)
2000 51.9 2009 55.9
2001 52.5 2010 56.4
2002 53.0 2011 57.0
2003 53.5 2012 57.6
2004 54.0 2013 58.1
2005 54.5 2014 58.7
2006 54.5 2015 59.3
2007 54.9 2016 59.8
2008 55.4 2017 60.2

Source: U.S. Census Bureau, V.2017 Population Estimates and 2000 to 2010 Intercensal Estimates.

U.S. Population By Coastline Region, 2017

    Population
Region Number of counties Number (millions) Percent of total U.S. Percent change, 2000-2017
Atlantic 129 44.4 13.6% 13.2%
Pacific (1) 70 34.4 10.6 13.5
Gulf of Mexico 56 15.8 4.9 26.1
Total coastline 255 94.7 29.1 15.3
Noncoastline             2,887 231.1 70.9 15.9
Total United States             3,142 325.7 100.0% 15.7%

(1) Includes Alaska and Hawaii.

Source: U.S. Census Bureau, V.2017 Population Estimates and 2000 to 2010 Intercensal Estimates.

First quarter 2019 financial results*

($ billions)
Net Earned Premiums $149.6
Incurred Losses (Including loss adjustment expenses) 101.8
Expenses 41.8
Policyholder Dividends 0.8
Net Underwriting Gain (Loss) 5.3
Net Investment Income 13.2
Other Items -0.5
Pre-Tax Operating Gain 19.0
Realized Capital Gains (Losses) 1.6
Pre-Tax Income 20.6
Taxes 2.7
Net After-Tax Income $17.9
Surplus (End of Period) $779.5
Combined Ratio** 95.6

*Figures may not add to totals due to rounding. Calculations in text based on unrounded figures.
**Includes mortgage and financial guaranty insurers.

Top 10 Writers Of Life Insurance/Annuities In Wyoming By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Prudential Financial Inc.   $152,085 17.5%
2 New York Life   62,520 7.2
3 Lincoln Financial   48,517 5.6
4 Iowa Farm Bureau Federation   36,227 4.2
5 Jackson   31,564 3.6
6 John Hancock   28,025 3.2
7 Allianz   25,409 2.9
8 Northwestern Mutual   23,621 2.7
9 TIAA   22,293 2.6
10 Equitable Holdings   21,797 2.5

(1) Includes life insurance, accident and health insurance, annuity considerations, deposit-type contract funds and other considerations. Before reinsurance transactions.

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

Top 10 Writers Of Life Insurance/Annuities In Utah By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Allianz   $332,439 6.5%
2 Prudential Financial Inc.   320,699 6.2
3 MetLife   305,437 5.9
4 Lincoln Financial   218,746 4.3
5 Pacific Life   189,631 3.7
6 Principal Financial Group Inc.   177,992 3.5
7 AIG   172,522 3.4
8 New York Life   164,915 3.2
9 Nationwide   163,869 3.2
10 Transamerica   161,808 3.1

(1) Includes life insurance, accident and health insurance, annuity considerations, deposit-type contract funds and other considerations. Before reinsurance transactions.

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

Top 10 Writers Of Life Insurance/Annuities In South Dakota By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Principal Financial Group Inc.   $293,819 14.3%
2 Prudential Financial Inc.   201,750 9.8
3 Lincoln Financial   167,213 8.1
4 New York Life   142,607 6.9
5 Lombard International   91,352 4.4
6 Investors Pfd Life Insurance Co. 71,300 3.5
7 MetLife   65,713 3.2
8 Jackson   62,973 3.1
9 Northwestern Mutual   61,468 3.0
10 Pacific Life   58,146 2.8

(1) Includes life insurance, accident and health insurance, annuity considerations, deposit-type contract funds and other considerations. Before reinsurance transactions.

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

Top 10 Writers Of Life Insurance/Annuities In North Dakota By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 John Hancock   $69,386 5.1%
2 Nationwide   59,136 4.4
3 Prudential Financial Inc.   57,928 4.3
4 Lincoln Financial   54,902 4.1
5 Brighthouse Financial   53,096 3.9
6 Northwestern Mutual   49,989 3.7
7 Securian   48,036 3.6
8 MassMutual   47,804 3.5
9 New York Life   47,467 3.5
10 Pacific Life   47,428 3.5

(1) Includes life insurance, accident and health insurance, annuity considerations, deposit-type contract funds and other considerations. Before reinsurance transactions.

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

Top 10 Writers Of Life Insurance/Annuities In New Mexico By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Prudential Financial Inc.   $406,113 15.0%
2 Principal Financial Group Inc.   381,472 14.1
3 New York Life   203,474 7.5
4 Lincoln Financial   89,411 3.3
5 Jackson   85,217 3.2
6 AIG   84,574 3.1
7 John Hancock   78,637 2.9
8 Nationwide   73,538 2.7
9 MassMutual   71,397 2.6
10 Sammons Enterprises Inc.   70,939 2.6

(1) Includes life insurance, accident and health insurance, annuity considerations, deposit-type contract funds and other considerations. Before reinsurance transactions.

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

Top 10 Writers Of Life Insurance/Annuities In Nevada By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Prudential Financial Inc.   $418,786 11.0%
2 Voya Financial Inc.   220,085 5.8
3 Lincoln Financial   177,375 4.7
4 Jackson   161,175 4.2
5 MassMutual   159,555 4.2
6 New York Life   155,133 4.1
7 AIG   144,001 3.8
8 Allianz   134,363 3.5
9 Transamerica   132,231 3.5
10 MetLife   105,501 2.8

(1) Includes life insurance, accident and health insurance, annuity considerations, deposit-type contract funds and other considerations. Before reinsurance transactions.

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

Top 10 Writers Of Life Insurance/Annuities In Nebraska By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Mutual of Omaha   $764,637 17.3%
2 MetLife   269,565 6.1
3 MassMutual   256,912 5.8
4 Principal Financial Group Inc.   229,663 5.2
5 Ameritas   206,527 4.7
6 Lincoln Financial   163,181 3.7
7 Nationwide   162,558 3.7
8 John Hancock   147,144 3.3
9 Northwestern Mutual   122,599 2.8
10 Prudential Financial Inc.   121,494 2.8

(1) Includes life insurance, accident and health insurance, annuity considerations, deposit-type contract funds and other considerations. Before reinsurance transactions.

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

Top 10 Writers Of Life Insurance/Annuities In Montana By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Prudential Financial Inc.   $149,297 13.6%
2 New York Life   76,172 6.9
3 Lincoln Financial   67,187 6.1
4 MassMutual   50,110 4.6
5 Northwestern Mutual   43,144 3.9
6 John Hancock   41,455 3.8
7 Transamerica   36,637 3.3
8 Jackson   36,240 3.3
9 Nationwide   34,997 3.2
10 AIG   34,845 3.2

(1) Includes life insurance, accident and health insurance, annuity considerations, deposit-type contract funds and other considerations. Before reinsurance transactions.

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

Top 10 Writers Of Life Insurance/Annuities In Kansas By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Voya Financial Inc.   $749,208 13.7%
2 Mutual of Omaha   368,333 6.7
3 Lincoln Financial   242,969 4.4
4 Prudential Financial Inc.   222,796 4.1
5 New York Life   214,150 3.9
6 Security Benefit   198,032 3.6
7 AIG   169,223 3.1
8 Jackson   165,927 3.0
9 Nationwide   157,048 2.9
10 John Hancock   154,696 2.8

(1) Includes life insurance, accident and health insurance, annuity considerations, deposit-type contract funds and other considerations. Before reinsurance transactions.

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

Top 10 Writers Of Life Insurance/Annuities In Iowa By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Principal Financial Group Inc.   $7,253,517 38.4%
2 Transamerica   3,799,297 20.1
3 EquiTrust Life Insurance Co. 1,834,726 9.7
4 MetLife   603,153 3.2
5 Nationwide   391,846 2.1
6 Iowa Farm Bureau Federation   352,729 1.9
7 New York Life   340,396 1.8
8 TIAA   280,878 1.5
9 MassMutual   264,539 1.4
10 Northwestern Mutual   238,247 1.3

(1) Includes life insurance, accident and health insurance, annuity considerations, deposit-type contract funds and other considerations. Before reinsurance transactions.

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

Top 10 Writers Of Life Insurance/Annuities In Indiana By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Global Atlantic   $1,878,832 14.2%
2 OneAmerica   877,137 6.6
3 Lincoln Financial   613,616 4.6
4 AIG   580,926 4.4
5 Jackson   557,748 4.2
6 Prudential Financial Inc.   482,309 3.7
7 Athene   465,757 3.5
8 New York Life   453,633 3.4
9 Guggenheim   362,930 2.8
10 Nationwide   347,180 2.6

(1) Includes life insurance, accident and health insurance, annuity considerations, deposit-type contract funds and other considerations. Before reinsurance transactions.

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

Top 10 Writers Of Life Insurance/Annuities In Hawaii By Direct Premiums Written, 2019 (1)

9
Rank Group/company Direct premiums written ($000) Market share
1 Prudential Financial Inc.   $224,809 8.0%
2 New York Life   196,363 7.0
3 Transamerica   183,596 6.5
4 Pacific Life   173,507 6.2
5 Lincoln Financial   139,251 5.0
6 Jackson   128,325 4.6
7 Global Atlantic   126,702 4.5
8 AIG   111,837 4.0
9 Nationwide   99,682 3.5
10 MassMutual   92,472 3.3

(1) Includes life insurance, accident and health insurance, annuity considerations, deposit-type contract funds and other considerations. Before reinsurance transactions.

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

Top 10 Writers Of Life Insurance/Annuities In Alaska By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Lombard International   $164,897 14.1%
2 John Hancock   119,241 10.2
3 New York Life   112,668 9.6
4 Prudential Financial Inc.   82,705 7.1
5 Lincoln Financial   60,557 5.2
6 CUNA Mutual   57,679 4.9
7 AIG   34,803 3.0
8 Equitable Holdings   31,726 2.7
9 Mutual of America Life Insurance Co. 27,957 2.4
10 Global Atlantic   24,076 2.1

(1) Includes life insurance, accident and health insurance, annuity considerations, deposit-type contract funds and other considerations. Before reinsurance transactions.

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

Storm Surge Risk By State By Number Of Multi-Family Homes and Reconstruction Value, 2020 (1)

    Number of multi-family homes at risk by storm category (2)
Rank State Category 1 Category 2 Category 3 Category 4 Category 5
1 New York 9,484 35,591 65,566 98,980 98,980 (3)
2 Florida 10,236 32,087 54,027 70,394 83,321
3 Massachusetts 2,430 7,604 16,124 25,792 25,792 (3)
4 Louisiana 247 974 7,273 7,569 7,766
5 Pennsylvania 1 1,083 3,279 5,408 5,408 (3)
6 Virginia 222 939 3,006 4,575 4,717
7 Texas 140 701 1,677 2,517 4,682
8 New Jersey 721 2,313 3,541 4,432 4,432 (3)
9 North Carolina 529 2,038 2,970 3,319 3,543
10 Connecticut 83 477 1,447 2,905 2,905 (3)
11 Georgia 53 367 1,358 2,522 2,856
12 Maryland 478 1,359 1,856 2,591 2,591 (3)
13 Maine 140 499 1,041 1,851 1,851 (3)
14 South Carolina 105 655 1,058 1,531 1,816
15 Mississippi 8 137 407 719 834
16 Rhode Island 39 184 435 665 665 (3)
17 Alabama 4 20 59 130 177
18 New Hampshire 0 83 128 175 175 (3)
19 Delaware 4 28 65 146 146 (3)
  Total homes
potentially affected		 24,924 87,139 165,317 236,221 252,657
    Reconstruction cost value of multi-family homes at risk (2), (4) ($ millions)
Rank State Category 1 Category 2 Category 3 Category 4 Category 5
1 New York $4,134.0 $17,047.2 $30,700.6 $47,195.4 $47,195.4 (3)
2 Florida 2,677.9 8,240.9 13,821.2 18,185.9 21,533.9
3 Massachusetts 432.4 2,560.8 5,880.4 9,791.5 9,791.5 (3)
4 Louisiana 57.8 245.7 3,469.5 3,543.8 3,589.0
5 Pennsylvania 0.4 358.8 1,213.4 2,134.8 2,134.8 (3)
6 New Jersey 297.8 1,053.9 1,659.7 2,117.8 2,117.8 (3)
7 Connecticut 54.2 283.3 871.5 1,758.4 1,758.4 (3)
8 Virginia 80.5 297.8 1,013.5 1,402.2 1,444.9
9 Texas 38.0 196.9 469.9 708.5 1,371.7
10 Georgia 20.0 105.4 422.7 788.4 898.4
11 Maryland 141.5 426.3 576.3 752.1 752.1 (3)
12 North Carolina 81.7 343.7 537.0 632.4 695.9
13 Maine 48.7 159.0 329.0 591.4 591.4 (3)
14 South Carolina 37.5 201.8 321.7 461.5 539.3
15 Rhode Island 19.1 89.3 216.0 331.0 331.0 (3)
16 Mississippi 3.7 43.0 132.1 249.0 287.4
17 Alabama 3.0 8.7 29.5 58.7 77.5
18 New Hampshire 0.0 32.2 51.3 73.0 73.0 (3)
19 Delaware 1.2 11.5 26.3 53.7 53.7 (3)
  Total homes
potentially affected		 $8,129.3 $31,705.9 $61,741.7 $90,829.4 $95,237.3

(1) The risk categories are cumulative and increase in value from Category 1 to Category 5. Category 1 represents the higher risk of damage from a weak hurricane; Category 5 includes Categories 1 to 4 and the low risk of damage from a Category 5 hurricane.
(2) Residential structures less than four stories, including mobile homes, duplexes, manufactured homes and cabins.
(3) Storm surge risk for Category 5 storms for homes on the northeastern Atlantic Coast is not included due to the extremely low probability of a Category 5 storm affecting these areas.
(4) Represents the cost to completely rebuild including labor and materials by geographic location.

Source: CoreLogic®, a property data and analytics company.

U.S. Storm Surge Risk, Gulf and Atlantic States, 2025

Storm surge risk level Number of homes Reconstruction cost value (1)
($billions)
Moderate or greater 6,619,562 $2,187.4

(1) Combines materials, equipment and labor, but does not include the value of the land or lot.

Source: CotalityTM, a property data and analytics company.

Individual Annuity Considerations, 2013-2017 (1)

($ billions)
      Total
Year Variable Fixed Amount Percent change
from prior year
2013 $145.4 $84.4 $229.8 4.6%
2014 140.1 96.9 237.0 3.1
2015 133.0 102.7 235.7 -0.5
2016 104.7 117.4 222.1 -5.8
2017 98.2 105.3 203.5 -8.4

(1) Based on LIMRA’s estimates of the total annuity sales market. Includes some considerations (i.e., premiums) that though bought in group settings involve individual buying decisions.

Source: U.S. Individual Annuities, 1st Quarter 2018, LIMRA, 2018.

Full-Year 2018 Financial Results

  $ Billions Percent change
from 2017
Net Earned Premiums $594.07 9.9%
Incurred Losses (Including loss adjustment expenses and reserve releases) 424.2 3.4
Expenses 167.0 10.5
Policyholder Dividends 3.0 15.5
Net Underwriting Gain (Loss) -0.1 100.5
Investment Income 55.3 13.2
Other Items -1.4 -74.0
Pre-Tax Operating Income 56.6 178.3
Realized Capital Gains 10.4 -31.2
Pre-Tax Income 67.0 89.3
Taxes 7.0 -1,100.0
Net After-Tax Income 60.0 66.3
Surplus (End of Period) 742.16 -1.1
Combined Ratio 99.2 4.4

*Figures may not add to totals due to rounding. Calculations in text based on unrounded figures.

Natural Catastrophe Losses In The United States, 2017 (1)

($ billions)
Event  Number of events (2) Fatalities Overall losses Insured losses (3) 
Severe thunderstorm 50 85 $25.4 $18.2
Winter storms and cold waves 13 24 2.2 1.2
Flood, flash flood 12 14 0.4 0.1
Earthquake and geophysical 2 1 minor minor
Tropical cyclone 5 170 123.0 49.1
Wildfire, heat waves and drought 21 62 14.3 9.5
Total 103 356 $165.3 $78.0

(1) As of January 2018.
(2) Events that have caused at least one fatality or losses of $3 million or more.
(3) Based on property losses including, if applicable, agricultural, offshore, marine, aviation and National Flood Insurance Program losses and may differ from data shown elsewhere.

Source: Property Claim Services®,  a unit of ISO®, a Verisk Analytics® business, © 2018 Munich Re, NatCatSERVICE.

Total Motor Vehicle And Pedalcyclist Fatalities, 2014-2023 (1)

Year Total Pedalcyclist Pedalcyclists as a
percent of
total fatalities
2014 32,744 729 2.2%
2015 35,484 829 2.3
2016 37,806 853 2.3
2017 37,473 806 2.2
2018 36,835 871 2.4
2019 36,355 859 2.4
2020 39,007 948 2.4
2021 43,230 976 2.3
2022 (2) 42,721 1,117 2.6
2023 40,901 1,166 2.9

(1) Pedalcyclists are defined by the National Highway Safety Administration as bicyclists and other cyclists including riders of two-wheeled, nonmotorized vehicles, tricycles and unicycles.
(2) Starting in 2022, pedalcyclists include people on motorized bicycles.

Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.

First Nine Months 2018 Financial Results*

(Billions)
Net Earned Premiums $442.785
Incurred Losses (including LAE and reserve changes) 310.205
Other underwriting and operations expenses 126.384
Policyholder Dividends 1.462
Net Underwriting Gain/Loss 4.734
Net Investment Income Earned 40.894
Net Other Items 0.812
Pre-tax Operating Gain/Loss 46.440
Net Realized Capital Gains/Losses 9.298
Net Pre-tax Income 55.738
Taxes 6.233
Net After-Tax Income $49.505
   
Surplus (End of Period) $781.5
Combined Ratio 97.3

*Figures may not add to totals due to rounding. Calculations in text based on unrounded figures.

Top 10 Countries By Life And Nonlife Direct Premiums Written, 2012 (1)

(U.S. $ millions)
        Total Premiums
Rank Country Life premiums Nonlife premiums (2) Amount Percent change
from prior year		 Percent of total
world premiums
1 United States (3), (4) $567,756 $703,128 $1,270,884 4.0% 27.55%
2 Japan (4), (6) 524,372 129,740 654,112 2.5 14.18
3 United Kingdom (6) 205,918 105,500 311,418 -0.5 6.75
4 P.R. China (4) 141,208 104,302 245,511 10.7 5.32
5 France (6) 149,346 93,112 242,459 -11.1 5.26
6 Germany (4) 106,411 125,497 231,908 -5.6 5.03
7 Italy 93,273 50,945 144,218 -10.3 3.13
8 South Korea (4), (6) 78,920 60,376 139,296 10.7 3.02
9 Canada (6), (7) 51,783 70,750 122,532 1.2 2.66
10 Netherlands (6) 29,338 71,005 100,342 -7.8 2.18

(1) Before reinsurance transactions.
(2) Includes accident and health insurance.
(3) Nonlife premiums include state funds; life premiums include an estimate of group pension business.
(4) Provisional.
(5) April 1, 2012-March 31, 2013.
(6) Estimated.
(7) Life premiums are net premiums.

Source: Swiss Re, sigma, No. 3/2013.

Top 10 Deadliest California Wildfires (1)

Rank Fire Name and Cause Date County Acres Structures Deaths
1 Camp Fire (Power lines) November 2018 Butte  153,336 18,804 85
2 Griffith Park (Unknown) October 1933 Los Angeles 47 0 29
3 Tunnel – Oakland Hills (Rekindle) October 1991 Alameda 1,600 2,900 25
4 Tubbs (Electrical) October 2017 Napa & Sonoma 36,807 5,643 22
5 Eaton (2) January 2025 Los Angeles 14,021 9,413 18
6 North Complex (Lightning) August 2020 Butte, Plumas & Yuba 318,935 2,352 15
7 Cedar (Human related) October 2003 San Diego 273,246 2,820 15
8 Rattlesnake (Arson) July 1953 Glenn 1,340 0 15
9 Palisades (2) January 2025 Los Angeles 23,707 6,833 12
10 Loop (Unknown) November 1966 Los Angeles 2,028 0 12

(1) As of April 2025.
(2) Under investigation.

Source: Calfire.

Top 10 Most Destructive California Wildfires (1)

Rank Fire name and cause Date County Acres Structures (2) Deaths
1 Camp Fire (Powerlines) November 2018 Butte 153,336 18,804 85
2 Eaton (3) January 2025 Los Angeles 14,021 9,413 18
3 Palisades (3) January 2025 Los Angeles 23,707 6,833 12
4 Tubbs (Electrical) October 2017 Napa & Sonoma 36,807 5,636 22
5 Tunnel – Oakland Hills (Rekindle) October 1991 Alameda 1,600 2,900 25
6 Cedar (Human related) October 2003 San Diego 273,246 2,820 15
7 North Complex (Lightning) August 2020 Butte, Plumas & Yuba 318,935 2,352 15
8 Valley (Electrical) September 2015 Lake, Napa and Sonoma 76,067 1,958 4
9 Witch (Powerlines) October 2007 San Diego 197,990 1,650 2
10 Woolsey (Electrical) November 2018 Ventura 96,949 1,643 3

(1) As of April 2025.
(2) “Structures” include homes, outbuildings (barns, garages, sheds, etc) and commercial properties destroyed. This list does not include fire jurisdiction. These are the Top 20 regardless of whether they were state, federal, or local responsibility.
(3) Under investigation.

Source: Calfire.

Fatalities in Crashes Involving Young Drivers, 2014-2023

Year Young drivers
age 15–20		 Passengers of
young drivers		 Occupants of
other vehicles		 Nonoccupants Total
2014 1,723 1,015 1,093 454 4,285
2015 1,903 982 1,326 533 4,744
2016 1,916 1,033 1,348 598 4,895
2017 1,844 986 1,396 574 4,800
2018 1,729 919 1,318 562 4,528
2019 1,616 888 1,373 514 4,391
2020 1,899 1,090 1,489 591 5,069
2021 2,133 1,078 1,677 728 5,616
2022 2,037 1,039 1,613 672 5,361
2023 2,148 1,114 1,605 721 5,588

Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.

Incurred Losses By State, Workers Compensation Insurance, 2016 (1)

($000)
State Incurred losses State Incurred losses
Alabama $217,413 Montana $169,473
Alaska 151,715 Nebraska 226,638
Arizona 494,745 Nevada 184,689
Arkansas 114,521 New Hampshire 114,951
California 6,584,210 New Jersey 1,435,776
Colorado 565,407 New Mexico 128,643
Connecticut 422,743 New York 3,647,349
Delaware 138,936 North Carolina 690,370
D.C. 52,180 North Dakota 2,476
Florida 1,347,400 Ohio 2,251
Georgia 869,564 Oklahoma 368,023
Hawaii 108,040 Oregon 265,485
Idaho 252,540 Pennsylvania 1,646,927
Illinois 1,483,557 Rhode Island 120,047
Indiana 482,524 South Carolina 509,537
Iowa 439,335 South Dakota 87,781
Kansas 209,754 Tennessee 398,186
Kentucky 331,619 Texas 980,491
Louisiana 400,650 Utah 237,213
Maine 143,804 Vermont 110,640
Maryland 576,757 Virginia 625,700
Massachusetts 780,241 Washington 9,102
Michigan 413,221 West Virginia 131,835
Minnesota 550,379 Wisconsin 1,234,598
Mississippi 207,986 Wyoming 154
Missouri 582,704 United States $32,338,616

(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance.  

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

Incurred Losses By State, Commercial Insurance, 2016 (1)

($000)
State Incurred losses State Incurred losses
Alabama $1,812,853 Montana $755,111
Alaska 394,033 Nebraska 1,348,648
Arizona 2,325,887 Nevada 1,284,564
Arkansas 1,456,670 New Hampshire 435,647
California 20,051,820 New Jersey 5,764,281
Colorado 2,942,038 New Mexico 751,013
Connecticut 1,938,736 New York 14,947,682
Delaware 628,022 North Carolina 3,582,493
D.C. 806,911 North Dakota 956,176
Florida 9,865,939 Ohio 3,011,524
Georgia 4,502,612 Oklahoma 1,798,017
Hawaii 478,369 Oregon 1,458,751
Idaho 637,170 Pennsylvania 6,622,343
Illinois 6,652,153 Rhode Island 476,440
Indiana 2,507,427 South Carolina 2,340,655
Iowa 1,613,975 South Dakota 652,065
Kansas 1,277,400 Tennessee 3,048,422
Kentucky 1,607,906 Texas 14,390,484
Louisiana 4,966,173 Utah 936,417
Maine 460,227 Vermont 258,959
Maryland 2,407,466 Virginia 2,820,819
Massachusetts 3,214,186 Washington 2,220,347
Michigan 3,326,842 West Virginia 732,163
Minnesota 2,611,386 Wisconsin 2,778,268
Mississippi 1,099,026 Wyoming 238,885
Missouri 2,851,109 United States $156,046,512

(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance.  

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

Incurred Losses By State, Private Passenger Auto Insurance, 2016 (1)

($000)
State Incurred losses State Incurred losses
Alabama $2,121,305 Montana $495,846
Alaska 282,047 Nebraska 755,188
Arizona 3,114,558 Nevada 1,604,443
Arkansas 1,323,696 New Hampshire 481,237
California 17,927,979 New Jersey 4,866,771
Colorado 3,318,979 New Mexico 864,395
Connecticut 1,820,869 New York 8,587,462
Delaware 572,078 North Carolina 3,824,149
D.C. 232,832 North Dakota 308,189
Florida 12,078,420 Ohio 3,904,974
Georgia 5,695,136 Oklahoma 1,536,205
Hawaii 439,835 Oregon 1,750,300
Idaho 556,799 Pennsylvania 5,320,110
Illinois 4,580,330 Rhode Island 600,539
Indiana 2,284,174 South Carolina 2,694,363
Iowa 1,009,159 South Dakota 326,285
Kansas 1,133,681 Tennessee 2,492,018
Kentucky 1,987,454 Texas 14,834,129
Louisiana 3,739,453 Utah 1,200,233
Maine 207,149 Vermont 201,232
Maryland 3,314,971 Virginia 3,491,531
Massachusetts 3,052,973 Washington 3,292,454
Michigan 7,421,957 West Virginia 730,345
Minnesota 2,085,305 Wisconsin 1,857,748
Mississippi 1,175,771 Wyoming 269,941
Missouri 2,560,012 United States $150,547,012

(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance.  

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

Tort Costs And Compensation Paid By State, 2016 (1)

Rank (2) State/
territory		 Total tort
costs (3)
($ millions)		 Total tort
costs as
percent of
state GDP (4)		 Tort costs
per
household
(dollars) (5)		 Rank (2) State/
territory		 Total tort
costs (3)
($ millions)		 Total tort
costs as
percent of
state GDP (4)		 Tort costs
per
household
(dollars) (5)
1 D.C. $1,760 1.4% $6,257 27 New Mexico $2,273 2.4% $2,998
2 New York 43,730 2.9 6,066 28 Oklahoma 4,246 2.3 2,890
3 New Jersey 17,734 3.1 5,551 29 Minnesota 6,173 1.8 2,873
4 Delaware 1,890 2.7 5,383 30 Arkansas 3,265 2.7 2,857
5 Connecticut 6,209 2.4 4,574 31 Arizona 7,122 2.3 2,827
6 Florida 33,645 3.6 4,442 32 Tennessee 7,204 2.2 2,818
7 California 55,966 2.1 4,324 33 Nebraska 2,103 1.8 2,813
8 Nevada 4,507 3.0 4,272 34 South Carolina 5,261 2.5 2,802
9 Rhode Island 1,660 2.9 4,066 35 West Virginia 2,019 2.8 2,796
10 Louisiana 6,909 2.9 4,015 36 Alabama 5,122 2.5 2,765
11 Massachusetts 9,980 2.0 3,869 37 Virginia 8,439 1.7 2,704
12 Illinois 18,026 2.3 3,738 38 New Hampshire 1,405 1.8 2,698
13 Pennsylvania 18,374 2.5 3,721 39 Mississippi 2,921 2.7 2,676
14 Colorado 7,672 2.4 3,638 40 Wyoming 598 1.6 2,675
15 Georgia 13,384 2.5 3,631 41 Iowa 3,316 1.8 2,657
16 Hawaii 1,629 1.9 3,573 42 Indiana 6,644 1.9 2,623
17 Texas 33,704 2.1 3,535 43 Kentucky 4,479 2.3 2,608
18 Utah 3,285 2.1 3,483 44 North Dakota 806 1.5 2,557
19 Maryland 8,032 2.1 3,360 45 Idaho 1,519 2.2 2,486
20 Montana 1,329 2.9 3,195 46 Kansas 2,744 1.8 2,471
21 Alaska 771 1.5 3,105 47 Wisconsin 5,734 1.8 2,464
21 Oregon 4,879 2.1 3,105 48 Ohio 11,166 1.8 2,414
23 Missouri 7,352 2.5 3,099 49 South Dakota 791 1.6 2,369
24 Washington 8,501 1.8 3,071 50 North Carolina 8,900 1.7 2,292
25 Vermont 780 2.5 3,061 51 Maine 1,163 2.0 2,187
26 Michigan 11,846 2.4 3,050   United States $428,966 2.3% $3,329

(1) Ranked on tort costs per household.
(2) States that have the same tort costs receive the same ranking.
(3) Includes general, professional, homeowners , and personal and commercial automobile liability tort costs.
(4) Gross domestic product.
(5) 2016 state household estimates from the U.S. Bureau of the Census.

Source: U.S Chamber of Commerce Institute for Legal Reform.

Natural Catastrophe Losses In The United States, 2016 (1)

($ millions)
Event  Number of relevant events (2) Fatalities Overall losses Insured losses (3) 
Severe thunderstorm (4) 43 40 $19,000 $14,000
Winter storms and cold waves 7 55 1,700 1,000
Flood, flash flood 19 83 15,000 4,300
Earthquake and geophysical 2 0 minor minor
Tropical cyclone 2 52 7,000 3,500
Wildfire, heat waves and drought 18 32 1,200 1,000
Total 91 262 $43,900 $23,800

(1) As of February 2017.
(2) Events that have caused at least one fatality or losses of $3 million or more.
(3) Based on property losses including, if applicable, agricultural, offshore, marine, aviation and National Flood Insurance Program losses and may differ from data shown elsewhere.
(4) Includes tornadoes.

Source: The Property Claim Services® (PCS®) unit of ISO®, a Verisk Analytics® company, © 2017 Munich Re, NatCatSERVICE.

Surety Bonds, 2007-2016

($000)
Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2007 $4,779,117 7.8% 70.1 -11.4 pts.
2008 4,960,250 3.8 67.0 -3.2
2009 4,835,409 -2.5 79.5 12.6
2010 4,851,328 0.3 70.7 -8.8
2011 4,849,480 (4) 72.9 2.2
2012 4,695,782 -3.2 76.8 3.9
2013 4,868,847 3.7 72.7 -4.0
2014 5,000,382 2.7 70.6 -2.1
2015 5,139,873 2.8 73.8 3.2
2016 5,138,425 (4) 72.0 -1.8

(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 numbers.
(4) Less than 0.1 percent.

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

Commercial Multiple Peril Insurance, 2007-2016

Total ($000)
Year Net
premiums
written (1)		 Annual
percent
change		 Year Net
premiums
written (1)		 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 (2)		 Annual
point
change (3)		 Year Net
premiums
written (1)		 Annual
percent
change		 Combined
ratio (2)		 Annual
point
change (3)
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 (2)		 Annual
point
change (3)		 Year Net
premiums
written (1)		 Annual
percent
change		 Combined
ratio (2)		 Annual
point
change (3)
2007 $12,749,849 -5.1% 93.8 -9.3 pts. 2007 $11,989,121 5.7% 94.1 -7.7 pts.
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 13,248,599 -0.1 105.6 6.4

(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 data.

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

Investments, Property/Casualty Insurers, 2014-2016 (1)

($ millions, end of year)
  Amount Percent of total investments
Investment type 2014 2015 2016 2014 2015 2016
Bonds $941,943 $949,702 $973,140 61.45% 62.01% 61.25%
Stocks $345,762 $340,252 $359,165 22.56% 22.22% 22.61%
     Preferred 14,630 14,025 10,849 0.95 0.92 0.68
     Common 331,133 326,227 348,316 21.60 21.30 21.92
Mortgage loans on real estate $10,008 $12,441 $15,032 0.65% 0.81% 0.95%
     First liens 9,820 12,209 14,407 0.64 0.80 0.91
     Other than first liens 188 232 625 0.01 0.02 0.04
Real estate $10,165 $11,685 $12,272 0.66% 0.76% 0.77%
     Properties occupied by company 8,598 8,716 8,933 0.56 0.57 0.56
     Properties held for income production 1,286 2,693 3,061 0.08 0.18 0.19
     Properties held for sale 282 276 278 0.02 0.02 0.02
Cash, cash equivalent and short-term investments 90,754 87,516 92,338 5.92 5.71 5.81
Derivatives 637 652 531 0.04 0.04 0.03
Other invested assets 126,582 121,291 128,704 8.26 7.92 8.10
Receivable for securities 1,104 2,530 1,679 0.07 0.17 0.11
Securities lending reinvested collateral assets 2,681 2,618 2,582 0.17 0.17 0.16
Aggregate write-in for invested assets 3,282 2,860 3,319 0.21 0.19 0.21
Total cash and invested assets $1,532,917 $1,531,547 $1,588,760 100.00% 100.00% 100.00%

(1) Includes cash and net admitted assets of property/casualty insurers.

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

First Half 2018 Financial Results*

($ billions)
Net Earned Premiums $292.9
Incurred Losses (Including loss adjustment expenses) 201.3
Expenses 84.6
Policyholder Dividends 1.1
Net Underwriting Gain (Loss) 6.0
Investment Income 26.8
Other Items -0.8
Pre-Tax Operating Gain 33.6
Realized Capital Gains (Losses) 5.4
Pre-Tax Income 39.0
Taxes 5.0
Net After-Tax Income $34.0
Surplus (End of Period) $761.12
Combined Ratio 96.2**

*Figures may not add to totals due to rounding. Calculations in text based on unrounded figures.
**Includes mortgage and financial guaranty insurers.

Direct Premiums Written, Property/Casualty Insurance, By State By Line, 2016 (1) (Cont’d)

($000)
State Aircraft Earthquake Federal flood Credit Warranty Accident and
health
Alabama $15,548 $7,420 $26,967 $27,759 $9,681 $76,282
Alaska 30,963 25,554 1,705 5,974 608 13,027
Arizona 44,505 8,781 16,889 22,291 16,694 84,100
Arkansas 22,909 31,365 10,601 12,243 5,794 56,790
California 142,177 1,621,988 154,471 165,601 192,261 470,481
Colorado 40,733 8,935 14,281 16,691 18,517 72,676
Connecticut 29,124 6,799 46,223 32,617 11,400 44,384
Delaware 11,820 1,070 15,275 12,358 11,572 90,854
D.C. 2,328 2,316 985 56,361 44 103,955
Florida 103,010 22,175 822,361 114,834 468,934 201,216
Georgia 68,521 12,303 51,378 41,393 36,007 143,583
Hawaii 8,858 10,924 34,033 6,061 3,065 12,831
Idaho 11,385 3,818 3,430 3,115 4,100 20,748
Illinois 66,190 64,575 28,858 67,562 204,654 303,076
Indiana 18,662 35,805 16,425 27,050 38,564 293,885
Iowa 11,966 4,133 10,395 14,548 7,337 78,523
Kansas 19,585 6,933 6,348 12,880 158,083 61,623
Kentucky 6,886 41,443 15,323 34,060 15,065 48,257
Louisiana 32,739 5,354 252,369 24,504 6,379 60,143
Maine 3,861 1,907 7,798 7,491 3,965 12,961
Maryland 24,364 10,139 31,153 18,378 27,117 70,563
Massachusetts 15,281 21,613 66,420 36,469 38,278 87,407
Michigan 25,787 6,838 15,866 70,268 552,116 213,389
Minnesota 28,181 4,866 6,562 16,588 41,807 135,448
Mississippi 11,565 16,388 32,739 18,655 4,282 62,713
Missouri 26,590 90,652 16,260 27,450 39,285 167,459
Montana 10,669 4,651 2,582 1,212 1,172 31,845
Nebraska 12,718 2,253 7,166 5,716 4,401 72,863
Nevada 23,008 20,884 6,589 5,073 8,722 29,275
New Hampshire 6,041 2,629 7,407 5,622 6,318 21,922
New Jersey 14,269 21,438 193,468 76,446 27,833 164,255
New Mexico 5,786 2,303 8,596 4,792 4,599 20,127
New York 44,218 48,859 171,582 183,021 56,615 428,487
North Carolina 31,369 11,539 89,411 38,261 47,067 134,901
North Dakota 7,937 500 5,509 552 1,235 6,827
Ohio 53,236 26,884 26,203 44,922 48,800 198,941
Oklahoma 17,862 23,803 8,484 20,777 15,089 64,899
Oregon 24,853 81,900 19,187 15,958 5,231 60,033
Pennsylvania 32,956 15,800 52,264 64,620 79,164 379,987
Rhode Island 11,313 2,083 17,459 3,913 1,909 23,314
South Carolina 12,315 41,437 112,117 21,506 9,010 92,232
South Dakota 6,705 483 3,174 1,820 1,722 19,007
Tennessee 26,778 80,555 19,372 35,404 12,230 158,081
Texas 162,213 27,835 293,117 267,641 377,272 537,681
Utah 24,668 45,219 1,985 10,900 29,515 71,238
Vermont 1,568 882 4,800 2,067 5,259 7,757
Virginia 42,481 15,709 60,266 24,690 24,704 136,461
Washington 37,753 165,309 28,186 28,330 50,747 76,640
West Virginia 2,920 1,319 12,690 4,885 3,548 34,972
Wisconsin 18,536 4,199 9,572 19,031 31,081 155,306
Wyoming 5,053 2,969 1,218 757 641 22,606
United States $1,460,760 $2,725,535 $2,867,513 $1,781,116 $2,769,494 $5,936,033

(1) Includes some state funds.

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

Countries operating compulsory or optional terrorism pools

Country Compulsory Pool (Y/N) Name of terror pool or reinsurance mechanism
Australia N Australian Reinsurance Pool Corporation (ARPC)
Austria N Österreichisher Versicherungspool zur Deckung von Terrorisiken (The Austrian Terrorpool)
Bahrain N The Arab War Risks Insurance Syndicate (AWRIS)
Belgium N Terrorism Reinsurance & Insurance Pool (TRIP)
Denmark N Danish Terrorism Insurance Scheme
Finland N Finnish Terrorism Pool
France Y Gestion de l’Assurance et de la Réassurance des Risques d’Attentats et Terrorisme (GAREAT)
Germany N EXTREMUS Versicherungs-AG
Hong Kong China N The Motor Insurance Bureau (MIB)
India N The General Insurance Corporation of India
Indonesia N Indonesian Terrorism Insurance Pool
Israel Y Terrorism (Intifada Risks) – The Victims of Hostile Actions (Pensions) Law and the Property Tax and Compensation Fund Law
Namibia N Namibia Special Risks Insurance Association (NASRIA)
Netherlands N Nederlandse Herverzekeringsmaatschappij voor Terrorismeschaden (NHT)
Northern Ireland N Criminal Damage Compensation Scheme Northern Ireland
Russia N Russian Anti-terrorism Insurance Pool (RATIP)
South Africa N South African Special Risks Insurance Association (SASRIA)
Spain Y Consorcio de Compensacion de Seguros (CCS)
Sri Lanka N SRCC/Terrorism Fund – Government
Switzerland N Terrorism Reinsurance Facility
Taiwan N Taiwan Terrorism Insurance Pool
United Kingdom N Pool Reinsurance Company Limited (Pool Re)
United States N Terrorism Risk Insurance Program Reauthorization Act of 2015 (TRIPRA)

Source: Marsh & McLennan Companies

Individual Annuity Considerations, 2012-2016 (1)

($ billions)
      Total
Year Variable Fixed Amount Percent change
from prior year
2012 $147.4 $72.3 $219.7 -7.8%
2013 145.4 84.4 229.8 4.6
2014 140.1 96.9 237.0 3.1
2015 133.0 102.7 237.0 (2)
2016 104.7 117.4 222.1 -6.3

(1) Based on LIMRA’s estimates of the total annuity sales market. Includes some considerations (i.e., premiums) that though bought in group settings involve individual buying decisions.
(2) Less than 0.1 percent.

Source: LIMRA.

Top 10 Emerging Markets By Insurance Density, 2016 (1)

    Total premiums (2)
Rank Country Per capita
(US$)		 As a percent
of GDP (3)
1 Macao $2,329 1.86%
2 Bahamas 1,984 8.69
3 Qatar 1,288 2.00
4 United Arab Emirates 1,102 2.87
5 Slovenia 1,084 5.00
6 Trinidad and Tobago 849 4.43
7 South Africa 763 14.27
8 Chile 644 4.77
9 Mauritius 608 6.40
10 Czech Republic 592 3.13

(1) Based on total insurance premiums per capita. Excludes cross-border business.
(2) Life and nonlife premiums. Data are estimated for Chile, Czech Republic and the United Arab Emirates.
(3) Gross Domestic Product.

Source: Swiss Re, sigma, No. 3/2017.

Motorcycle Thefts, 2022

  Top five motorcycle makes stolen   Top three states by motorcycle thefts
Rank Make Thefts Rank State Thefts
1  American Honda Motor Co., Inc.  10,631 1  California  9,838
2 Yamaha Motor Corporation  8,358 2 Florida 4,563
3 Harley Davidson, Inc.  6,333 3 Texas 4,145
4 Kawasaki Motors Corp., U.S.A.  6,260
5 American Suzuki Motor Corporation  4,886

Source: National Insurance Crime Bureau.

First quarter 2018 financial results*

($ billions)
Net Earned Premiums $143.1
Incurred Losses (Including loss adjustment expenses) 96.2
Expenses 42
Policyholder Dividends 0.8
Net Underwriting Gain (Loss) 4.2
Investment Income 11.8
Other Items 0.2
Pre-Tax Operating Gain 16.2
Realized Capital Gains (Losses) 3.6
Pre-Tax Income 19.8
Taxes 2.7
Net After-Tax Income $17.1
Surplus (End of Period) $749.3
Combined Ratio** 94.6

*Figures may not add to totals due to rounding. Calculations in text based on unrounded figures.
**Includes mortgage and financial guaranty insurers.

Top Metropolitan Areas At Risk for Storm Surge and Hurricane Wind, 2024

  At risk for storm surge
Metropolitan area (1) Number of homes Reconstruction cost value (2) ($billions)
New York 878,226 $415.4
Miami 509,133 124.0
Houston 192,937 52.6
  At risk for hurricane wind
Metropolitan area (1) Number of homes Reconstruction cost value (2) ($billions)
New York 3,765,489 $1,961.1
Houston 2,092,308 671.3
Miami 2,048,827 511.4

(1) The Miami, New York and Houston metro areas studied in this analysis are defined by the Core Based Statistical Areas (CBSAs) of that region. In Miami, this includes the Miami-Fort Lauderdale-Pompano Beach, FL area; in New York City, this includes the New York City-Newark-Jersey City, NY-NJ-PA area; in Houston, this includes Houston-The Woodlands-Sugarland, TX.
(2) Combines materials, equipment and labor, but does not include the value of the land or lot.

Source: CoreLogic®, a property data and analytics company.

Storm Surge Risk By State By Number Of Single-Family Homes and Reconstruction Value, 2020 (1)

    Number of single-family homes at risk by storm category (2)
Rank State Category 1 Category 2 Category 3 Category 4 Category 5
1 Florida 353,994 1,088,511 1,806,312 2,362,323 2,851,642
2 Louisiana 72,883 212,707 640,307 770,030 843,349
3 Texas 41,398 122,453 264,103 399,741 563,024
4 New Jersey 95,473 277,147 381,388 471,323 471,323 (3)
5 New York 76,805 228,069 351,937 467,787 467,787 (3)
6 Virginia 23,232 89,347 243,707 366,117 410,277
7 South Carolina 37,107 132,728 219,420 308,387 363,875
8 North Carolina 33,254 97,694 165,266 216,446 267,802
9 Georgia 9,378 54,470 113,068 152,882 164,504
10 Massachusetts 8,102 42,832 97,083 151,979 151,979 (3)
11 Maryland 16,091 59,214 98,757 126,589 126,589 (3)
12 Mississippi 5,740 25,385 56,768 90,023 102,596
13 Pennsylvania 847 21,378 58,921 85,794 85,794 (3)
14 Connecticut 6,708 27,921 46,186 67,433 67,433 (3)
15 Delaware 10,855 31,057 49,103 67,055 67,055 (3)
16 Alabama 5,203 15,841 27,769 40,287 51,929
17 Rhode Island 1,396 7,979 17,345 26,336 26,336 (3)
18 Maine 5,657 7,912 11,969 18,149 18,149 (3)
19 New Hampshire 193 4,069 7,074 9,336 9,336 (3)
  Total homes
potentially affected		 804,316 2,546,714 4,656,483 6,198,017 7,110,779
    Reconstruction cost value of single-family homes at risk (2), (4) ($ millions)
Rank State Category 1 Category 2 Category 3 Category 4 Category 5
1 Florida $71,707.9 $224,088.9 $372,234.3 $483,618.4 $580,606.2
2 Louisiana 15,887.7 47,717.2 152,745.6 184,008.0 202,330.0
3 New York 30,410.9 95,248.1 146,867.2 196,107.2 196,107.2 (3)
4 New Jersey 27,523.2 84,974.9 119,707.6 150,599.6 150,599.5 (3)
5 Texas 7,467.3 22,579.6 51,408.9 81,181.5 113,419.1
6 Virginia 5,962.5 22,598.0 57,844.1 86,624.2 98,314.8
7 South Carolina 10,447.7 35,063.9 55,589.2 75,121.4 86,468.7
8 North Carolina 7,178.2 21,277.7 36,350.3 47,968.2 59,542.6
9 Massachusetts 2,306.8 12,658.0 29,179.0 47,309.5 47,309.5 (3)
10 Georgia 2,869.0 14,504.6 26,994.0 35,215.7 37,416.2
11 Maryland 3,878.3 14,151.3 23,657.9 30,518.8 30,518.8 (3)
12 Connecticut 2,344.5 9,635.7 15,669.6 22,538.4 22,538.4 (3)
13 Pennsylvania 193.8 5,120.6 14,596.0 21,349.8 21,349.8 (3)
14 Mississippi 1,175.2 5,247.4 11,573.3 18,024.1 20,467.4
15 Delaware 3,082.8 8,693.8 13,892.8 18,943.9 18,943.9 (3)
16 Alabama 965.3 2,972.1 5,112.2 7,360.8 9,449.8
17 Rhode Island 350.2 2,339.3 5,080.9 7,761.3 7,761.3 (3)
18 Maine 1,314.9 1,892.6 2,949.9 4,589.9 4,589.8 (3)
19 New Hampshire 35.2 713.9 1,434.1 2,038.9 2,038.9 (3)
  Total homes
potentially affected		 $195,101.5 $631,477.6 $1,142,886.9 $1,520,879.6 $1,709,772.1

(1) The risk categories are cumulative and increase in value from Category 1 to Category 5. Category 1 represents the higher risk of damage from a weak hurricane; Category 5 includes Categories 1 to 4 and the low risk of damage from a Category 5 hurricane.
(2) Measured in units.
(3) Storm surge risk for Category 5 storms for homes on the northeastern Atlantic Coast is not shown due to the extremely low probability of a Category 5 storm affecting these areas.
(4) Represents the cost to completely rebuild including labor and materials by geographic location.

Source: CoreLogic®, a property data and analytics company.

GDP test chart

Year Total GDP GDP Percent of total GDP
2013 $16,691.5 $406.2 2.4%
2014 17,427.6 473.1 2.7
2015 18,120.7 559.5 3.1
2016 18,624.5 585.9 3.1
2017 19,390.6 602.7 (1) 3.1

Top 15 Costliest U.S. Winter Events By Insured Losses, 1980-2016 (1)

($ millions)
        Losses when occurred   
Rank Date Event Location Overall Insured (2) Deaths
1 Feb. 16-25, 2015 Winter storm, winter damage CT, DC, DE, IL, KY, MA, MD,
ME, MI, NC, NH, NJ, NY, OH,
PA, RI, SC, TN, VA, VT		 $2,800 $2,100 39
2 Mar. 11-14, 1993 Blizzard  AL, CT, DE, FL, GA, KY, LA,
MA, MD, ME, MS, NC, NH, NJ,
NY, OH, PA, RI, SC, TN, TX,
VA, VT, WV		 5,000 2,000 270
3 Jan. 5-8, 2014 Winter damage, cold wave  AL, CT, GA, IL, IN, KY, MA,
MD, ME, MI, MN, MO, MS, NC,
NE, NJ, NY, OH, PA, SC, TN,
VA, WI		 2,500 1,700 NA
4 Apr. 13-17, 2007 Winter storm, tornadoes, floods CT, DE, DC, GA, LA, MA, MD,
ME, MS, NC, NH, NJ, NY, PA,
RI, SC, TX, VA, VT, WV		 2,000 1,600 19
5 Mar. 13-15, 2010 Winter storm, floods CT, MA, NH, NJ, NY, PA, RI 1,700 1,200 11
6 Apr. 7-11, 2013 Winter storm CA, IN, KS, MO, NE, SD, WI 1,500 1,200 NA
7 Dec. 10-13, 1992 Winter storm CT, DE, NJ, NY, MA, MD, NE,
PA, RI, VA		 3,000 1,000 19
8 Jan. 31-Feb. 3, 2011 Winter storm, snowstorms, winter damage CT, IA, IL, IN, KS, MA, ME,
MO, NY, OH, PA, RI, TX, WI		 1,300 980 36
9 Dec. 17-30, 1983 Winter damage, cold wave FL, GA, ID, IL, IN, IA, KS, KY,
LA, MD, MA, MI, MN, MS, MO,
MT, NE, NJ, NY, NC, ND, OH,
OK, OR, PA, RI, SC, SD, TN,
TX, UT, VA, WA, WV, WI, WY		 1,000 880 500
10 Jan. 17-20, 1994 Winter damage, cold wave CT, DE, IN, IL, KY, MA, ME,
MD, NC, NH, NJ, NY, OH,
PA, RI, SC, TN, VA, VT, WV		 1,000 800 70
11 Feb. 10-12, 1994 Winter damage AL, AR, GA, LA, MS, NC, OK,
SC, TN, TX, VA		 3,000 800 9
12 Jan. 1-4, 1999 Winter storm AL, AR, CT, DE, FL, GA, IL,
IN, LA, MO, MA, MD, ME, MS,
NC, NJ, NY,OH, OK, PA, RI,
SC, TN, TX, VA, WV		 1,000 780 25
13 Jan. 4-9, 2008 Winter storm AR, CA, CO, IL, IN, KS, MI,
MO, NV, NY, OH, OK, OR,
WA, WI		 1,000 750 12
14 Jan. 31-Feb. 6, 1996 Winter damage AL, AR, CT, DE, FL, GA, IA,
IL, IN, KS, KY, LA, MA, MD,
MI, MO, MS, NC, NE, NJ, NY,
OH, OK, PA, SC, TN, TX, VA,
WV, WI		 1,500 740 16
15 Feb. 24-25, 2013 Blizzard, winter damage LA, OK, TX 1,000 690 1

(1) Costliest U.S. blizzards and winter storms/damages based on insured losses when occurred.
(2) Based on property losses including, if applicable, agricultural, offshore, marine, aviation and National Flood Insurance Program losses in the United States and may differ from data shown elsewhere.

NA=Data not available.

Source: © 2017 Munich Re, NatCatSERVICE.

Full-Year 2017 Financial Results

  $ Billions Percent change
from 2016
Net Earned Premiums $540.60 3.3%
Incurred Losses (Including loss adjustment expenses and reserve releases) 410.1 8.4%
Expenses 151.1 2.3%
Policyholder Dividends 2.6 13.2%
Net Underwriting Gain (Loss) -23.2 -393.0%
Investment Income 49.0 5.1%
Other Items -5.5 -650.0%
Pre-Tax Operating Income 20.3 -52.8%
Realized Capital Gains (Losses) 15.1 106.2%
Pre-Tax Income 35.4 -29.1%
Taxes -0.7 -90.4%
Net After-Tax Income $36.10 -15.8%
Surplus (End of Period) $752.50 7.0%
Combined Ratio 103.7 -3.1%

*Figures may not add to totals due to rounding. Calculations in text based on unrounded figures.

U.S. Reinsurance Premiums Ceded to Unaffiliated and Affiliated Offshore Reinsurers, 2015-2019

(US$ millions)
  2015 2016 2017 2018 2019
Unaffiliated offshore reinsurers $33,035 $34,652 $36,638 $46,005 $47,083
Affiliated offshore reinsurers 45,469 49,019 48,302 22,529 29,365
Total $78,504 $83,671 $84,940 $68,534 $76,448

Source: Reinsurance Association of America.

Top 10 States By Number Of Properties Experiencing Damaging Hail Events, 2017 (1)

Rank State Estimated number of
properties affected		 Percentage of
properties affected
1 Texas 1,349,374 18%
2 Illinois 872,087 24
3 Missouri 832,525 46
4 Minnesota 737,375 44
5 Oklahoma 644,803 55
6 Kansas 513,941 57
7 Indiana 456,215 18
8 Virginia 400,529 16
9 North Carolina 400,248 10
10 Colorado 374,435 22

(1) Verisk considers hail to be damaging when the hailstones are greater than 1 inch in diameter.

Source: ©2018 Insurance Services Office, Inc. (ISO) and Verisk. Reprinted with permission from ISO. Further reprint prohibited without permission from ISO.

Top 10 Writers Of Private Passenger Auto Insurance In Wyoming By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm   $91,466 21.4%
2 Progressive   67,203 15.7
3 Farmers Insurance   49,036 11.5
4 Mountain West Farm Bureau Mutual Insurance Co.   43,805 10.2
5 Berkshire Hathaway Inc.   39,464 9.2
6 USAA   29,721 6.9
7 Liberty Mutual   28,519 6.7
8 Allstate Corp.   20,992 4.9
9 Nationwide   10,291 2.4
10 American National   8,354 2.0

(1) Before reinsurance transactions.

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

Top 10 Writers Of Homeowners Insurance In Wyoming By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $47,599 21.4%
2 Farmers Insurance Group 38,053 17.1
3 Mountain West Farm Bureau Mutual Insurance Co. 34,428 15.5
4 Liberty Mutual 19,396 8.7
5 USAA Insurance Group 13,653 6.2
6 Allstate Corp. 10,772 4.9
7 Chubb 8,076 3.6
8 Nationwide Mutual Group 8,006 3.6
9 American National Insurance 6,926 3.1
10 American International Group (AIG) 4,492 2.0

(1) Before reinsurance transactions.

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

Top 10 Writers Of Commercial Insurance In Wyoming By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Travelers Companies Inc. $52,130 8.9%
2 Liberty Mutual 46,180 7.9
3 Zurich 37,300 6.4
4 Nationwide Mutual Group 28,846 4.9
5 Chubb 20,915 3.6
6 American International Group (AIG) 18,495 3.2
7 Mountain West Farm Bureau Mutual Insurance Co. 17,414 3.0
8 EMC Insurance 17,405 3.0
9 Progressive 17,279 3.0
10 Farmers Insurance Group 15,478 2.6

(1) Before reinsurance transactions.

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

Top 10 Writers Of Private Passenger Auto Insurance In Utah By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm   $314,985 14.1%
2 Allstate Corp.   263,790 11.8
3 Berkshire Hathaway Inc.   222,868 10.0
4 Progressive   207,494 9.3
5 Farmers Insurance   182,191 8.1
6 Bear River Mutual Insurance Co. 143,458 6.4
7 USAA   116,000 5.2
8 Liberty Mutual   113,482 5.1
9 American Family Insurance   99,490 4.4
10 Auto-Owners Insurance   68,951 3.1

(1) Before reinsurance transactions.

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

Top 10 Writers Of Homeowners Insurance In Utah By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $101,367 16.6%
2 Farmers Insurance Group 69,341 11.3
3 Allstate Corp. 63,075 10.3
4 Bear River Mutual Insurance Co. 46,824 7.7
5 Liberty Mutual 42,366 6.9
6 USAA Insurance Group 41,227 6.7
7 American Family Insurance Group 36,021 5.9
8 Auto-Owners Insurance Co. 25,963 4.2
9 Travelers Companies Inc. 21,146 3.5
10 Farm Bureau Financial Services 17,865 2.9

(1) Before reinsurance transactions.

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

Top 10 Writers Of Commercial Insurance In Utah By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 WCF Insurance $224,535 9.1%
2 Travelers Companies Inc. 153,177 6.2
3 Liberty Mutual 129,300 5.3
4 Auto-Owners Insurance Co. 102,428 4.2
5 Zurich 94,381 3.8
6 Chubb 87,109 3.5
7 American International Group (AIG) 68,183 2.8
8 CNA 64,268 2.6
9 Nationwide Mutual Group 62,570 2.5
10 AXA SA 62,129 2.5

(1) Before reinsurance transactions.

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

Top 10 Writers Of Private Passenger Auto Insurance In South Dakota By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm   $104,891 17.6
2 Progressive   96,448 16.2
3 American Family Insurance   56,541 9.5
4 Farmers Mutual Inurance Co. of Nebraska 31,823 5.3
5 USAA   27,057 4.5
6 Farmers Insurance   26,916 4.5
7 Nationwide   23,499 3.9
8 Berkshire Hathaway Inc.   22,588 3.8
9 De Smet Farm Mutual Insurance Co. of South Dakota 19,171 3.2
10 Auto-Owners Insurance   17,872 3.0

(1) Before reinsurance transactions.

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

Top 10 Writers Of Homeowners Insurance In South Dakota By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $54,088 19.4%
2 American Family Insurance Group 32,262 11.6
3 Farmers Insurance Group 19,574 7.0
4 Farmers Mutual Insurance Co. of Nebraska 17,554 6.3
5 Auto-Owners Insurance Co. 16,213 5.8
6 Nationwide Mutual Group 15,685 5.6
7 Liberty Mutual 11,895 4.3
8 USAA Insurance Group 11,806 4.2
9 North Star Mutual Insurance Co. 11,302 4.1
10 Farm Bureau Financial Services 10,290 3.7

(1) Before reinsurance transactions.

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

Top 10 Writers Of Commercial Insurance In South Dakota By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Chubb $231,363 15.1%
2 Zurich 119,755 7.8
3 QBE Insurance Group Ltd. 83,475 5.4
4 CGB Insurance Co. 82,222 5.4
5 Great American Insurance 74,344 4.9
6 American International Group (AIG) 59,156 3.9
7 ACUITY 50,430 3.3
8 Travelers Companies Inc. 47,997 3.1
9 Farmers Mutual Hail 46,575 3.0
10 Nationwide Mutual Group 39,965 2.6

(1) Before reinsurance transactions.

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

Top 10 Writers Of Private Passenger Auto Insurance In North Dakota By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Progressive $81,706 18.4
2 State Farm 67,261 12.6
3 Nodak Mutual Group Inc. 42,168 8.7
4 American Family Insurance 43,627 8.7
5 National General Holdings Corp. 42,188 8.6
6 USAA 24,041 4.9
7 Berkshire Hathaway Inc. 18,030 3.9
8 Grinnell Mutual 16,836 3.3
9 Farmers Insurance 16,220 3.3
10 Center Mutual Insurance Co. 15,414 3.3

(1) Before reinsurance transactions.

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

Top 10 Writers Of Homeowners Insurance In North Dakota By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $34,773 15.1%
2 American Family Insurance Group 28,257 12.3
3 Farmers Union Insurance 21,000 9.1
4 Nodak Mutual Insurance Co. 18,978 8.3
5 Auto-Owners Insurance Co. 16,003 7.0
6 Farmers Insurance Group 13,647 5.9
7 North Star Mutual Insurance Co. 12,628 5.5
8 USAA Insurance Group 10,412 4.5
9 MetLife Inc. 10,299 4.5
10 Liberty Mutual 7,786 3.4

(1) Before reinsurance transactions.

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

Top 10 Writers Of Commercial Insurance In North Dakota By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 QBE Insurance Group Ltd. $245,590 14.2%
2 Chubb 234,064 13.5
3 Zurich 206,752 12.0
4 CGB Insurance Co. 80,071 4.6
5 Great American Insurance 73,264 4.2
6 Travelers Companies Inc. 68,242 3.9
7 Nodak Mutual Insurance Co. 47,545 2.8
8 American International Group (AIG) 46,471 2.7
9 Sompo 44,224 2.6
10 Liberty Mutual 35,760 2.1

(1) Before reinsurance transactions.

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

Top 10 Writers Of Private Passenger Auto Insurance In New Mexico By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $285,368 18.5%
2 Progressive 200,336 15.0
3 Berkshire Hathaway Inc. 233,179 15.0
4 Farmers Insurance 151,586 9.6
5 USAA 139,262 9.4
6 Allstate Corp. 102,787 7.3
7 Liberty Mutual 66,752 4.2
8 Sentry 37,730 2.8
9 Auto Club Exchange 35,536 2.6
10 The Hartford 38,672 2.3

(1) Before reinsurance transactions.

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

Top 10 Writers Of Homeowners Insurance In New Mexico By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $114,951 19.8%
2 Farmers Insurance Group 98,455 17.0
3 USAA Insurance Group 64,750 11.2
4 Liberty Mutual 58,016 10.0
5 Allstate Corp. 49,628 8.6
6 Travelers Companies Inc. 27,837 4.8
7 Farm Bureau Financial Services 20,276 3.5
8 Munich Re 18,590 3.2
9 Hartford Financial Services 17,645 3.0
10 Auto Club Exchange Group 13,439 2.3

(1) Before reinsurance transactions.

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

Top 10 Writers Of Commercial Insurance In New Mexico By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Travelers Companies Inc. $123,817 7.9%
2 Liberty Mutual 110,330 7.0
3 New Mexico Mutual 99,488 6.3
4 CNA 67,959 4.3
5 Zurich 64,274 4.1
6 W. R. Berkley Corp. 50,845 3.2
7 Hartford Financial Services 44,166 2.8
8 Chubb 43,848 2.8
9 American International Group (AIG) 43,277 2.8
10 Farmers Insurance Group 42,131 2.7

(1) Before reinsurance transactions.

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

Top 10 Writers Of Private Passenger Auto Insurance In Nevada By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $477,091 16.6%
2 Berkshire Hathaway Inc. 413,412 15.8
3 Progressive 304,426 12.8
4 Allstate Corp. 254,654 9.8
5 Farmers Insurance 211,613 7.4
6 USAA 168,434 6.5
7 CSAA Insurance Exchange 136,442 5.1
8 Liberty Mutual 134,273 4.0
9 American Family Insurance 87,466 3.0
10 Travelers 60,424 2.3

(1) Before reinsurance transactions.

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

Top 10 Writers Of Homeowners Insurance In Nevada By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $126,163 19.0%
2 Farmers Insurance Group 90,172 13.6
3 Allstate Corp. 66,897 10.1
4 American Family Insurance Group 49,070 7.4
5 Liberty Mutual 46,059 6.9
6 USAA Insurance Group 44,533 6.7
7 Travelers Companies Inc. 40,735 6.1
8 CSAA Insurance Exchange 34,826 5.3
9 Hartford Financial Services 18,054 2.7
10 Chubb 14,022 2.1

(1) Before reinsurance transactions.

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

Top 10 Writers Of Commercial Insurance In Nevada By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Liberty Mutual $171,380 6.4%
2 Travelers Companies Inc. 166,829 6.2
3 Chubb 139,077 5.2
4 Zurich 104,892 3.9
5 CNA 95,363 3.5
6 American International Group (AIG) 93,881 3.5
7 Allstate Corp. 92,407 3.4
8 Hartford Financial Services 91,252 3.4
9 Progressive 80,345 3.0
10 Tokio Marine Group 79,976 3.0

(1) Before reinsurance transactions.

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

Top 10 Writers Of Private Passenger Auto Insurance In Nebraska By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm   $281,716 19.8%
2 Progressive   182,652 15.9
3 Farmers Mutual Insurance Co. of Nebraska 117,534 9.4
4 American Family Insurance   109,099 8.1
5 Farm Bureau Financial Services   87,595 6.4
6 Berkshire Hathaway Inc.   80,530 6.2
7 Allstate Corp. 64,332 5.2
8 Nationwide   64,300 4.6
9 USAA   58,392 4.6
10 Farmers Insurance   41,374 3.0

(1) Before reinsurance transactions.

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

Top 10 Writers Of Homeowners Insurance In Nebraska By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $194,091 23.4%
2 Farmers Mutual Insurance Co. of Nebraska 91,773 11.1
3 American Family Insurance Group 79,867 9.6
4 Farm Bureau Financial Services 70,673 8.5
5 Nationwide Mutual Group 50,066 6.0
6 USAA Insurance Group 49,007 5.9
7 Allstate Corp. 47,162 5.7
8 Travelers Companies Inc. 44,407 5.4
9 Farmers Insurance Group 35,167 4.2
10 Liberty Mutual 29,921 3.6

(1) Before reinsurance transactions.

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

Top 10 Writers Of Commercial Insurance In Nebraska By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Zurich $203,603 7.5%
2 Chubb 200,109 7.4
3 QBE Insurance Group Ltd. 162,444 6.0
4 Travelers Companies Inc. 144,999 5.4
5 American International Group (AIG) 136,189 5.0
6 Nationwide Mutual Group 123,285 4.6
7 Great American Insurance 96,646 3.6
8 EMC Insurance 90,868 3.4
9 Old Republic Insurance 85,027 3.1
10 Liberty Mutual 81,302 3.0

(1) Before reinsurance transactions.

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

Top 10 Writers Of Private Passenger Auto Insurance In Montana By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm   $166,847 20.9%
2 Progressive   117,366 14.7
3 Liberty Mutual   96,118 12.0
4 Farmers Insurance   64,931 8.1
5 USAA   61,821 7.7
6 Berkshire Hathaway Inc.   50,810 6.4
7 Mountain West Farm Bureau Mutual Insurance Co.   43,567 5.5
8 Travelers   34,220 4.3
9 Allstate Corp.   32,370 4.1
10 National General Holdings Corp.  23,078 2.9

(1) Before reinsurance transactions.

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

Top 10 Writers Of Homeowners Insurance In Montana By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $90,308 24.1%
2 Liberty Mutual 61,419 16.4
3 Farmers Insurance Group 47,876 12.8
4 Mountain West Farm Bureau Mutual Insurance Co. 26,358 7.0
5 USAA Insurance Group 26,264 7.0
6 Travelers Companies Inc. 20,267 5.4
7 Allstate Corp. 12,784 3.4
8 Farmers Union Mutual Insurance Co. (MT) 10,943 2.9
9 Chubb 9,330 2.5
10 Hartford Financial Services 7,764 2.1

(1) Before reinsurance transactions.

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

Top 10 Writers Of Commercial Insurance In Montana By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Montana State Fund $159,146 12.1%
2 Liberty Mutual 111,073 8.4
3 Chubb 83,238 6.3
4 Travelers Companies Inc. 74,121 5.6
5 The Cincinnati Insurance Cos. 56,148 4.3
6 Zurich 53,506 4.1
7 QBE Insurance Group Ltd. 48,261 3.7
8 Nationwide Mutual Group 40,887 3.1
9 American International Group (AIG) 33,389 2.5
10 Tokio Marine Group 29,372 2.2

(1) Before reinsurance transactions.

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

Top 10 Writers Of Private Passenger Auto Insurance In Kansas By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $358,899 17.9%
2 Progressive 257,202 12.8
3 American Family Insurance Group 243,636 12.2
4 Farm Bureau Financial Services 146,561 7.3
5 Berkshire Hathaway Inc. 129,228 6.4
6 Allstate Corp. 120,446 6.0
7 USAA Insurance Group 113,043 5.6
8 Farmers Insurance Group 111,208 5.5
9 Nationwide Mutual Group 82,884 4.1
10 Travelers Companies Inc. 72,077 3.6

(1) Before reinsurance transactions.

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

Top 10 Writers Of Homeowners Insurance In Kansas By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $263,792 21.0%
2 American Family Insurance Group 192,705 15.3
3 Farm Bureau Financial Services 96,500 7.7
4 Farmers Insurance Group 90,392 7.2
5 Travelers Companies Inc. 90,378 7.2
6 Allstate Corp. 76,658 6.1
7 USAA Insurance Group 68,281 5.4
8 Nationwide Mutual Group 62,043 4.9
9 Liberty Mutual 48,085 3.8
10 Shelter Insurance 31,018 2.5

(1) Before reinsurance transactions.

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

Top 10 Writers Of Commercial Insurance In Kansas By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Berkshire Hathaway Inc. $237,110 7.0%
2 Zurich 230,669 6.8
3 Chubb 213,957 6.3
4 Travelers Companies Inc. 199,487 5.9
5 Great American Insurance 137,698 4.1
6 Nationwide Mutual Group 137,340 4.0
7 EMC Insurance 117,064 3.4
8 American International Group (AIG) 114,487 3.4
9 Liberty Mutual 102,675 3.0
10 QBE Insurance Group Ltd. 102,418 3.0

(1) Before reinsurance transactions.

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

Top 10 Writers Of Private Passenger Auto Insurance In Iowa By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Progressive $367,255 19.6%
2 State Farm 366,960 19.6
3 Nationwide Mutual Group 159,277 8.5
4 Farm Bureau Financial Services 128,686 6.9
5 American Family Insurance Group 119,455 6.4
6 Grinnell Mutual Reinsurance Co. 92,920 5.0
7 Berkshire Hathaway Inc. 69,724 3.7
8 IMT Mutual Holding Co. 64,707 3.4
9 Allstate Corp. 64,302 3.4
10 Auto-Owners Insurance Co. 54,726 2.9

(1) Before reinsurance transactions.

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

Top 10 Writers Of Homeowners Insurance In Iowa By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $216,918 25.5%
2 Nationwide Mutual Group 101,124 11.9
3 American Family Insurance Group 75,808 8.9
4 Farm Bureau Financial Services 72,462 8.5
5 Auto-Owners Insurance Co. 41,452 4.9
6 West Bend Mutual Insurance Co. 33,253 3.9
7 IMT Mutual Holding Co. 31,504 3.7
8 Allstate Corp. 26,338 3.1
9 Farmers Insurance Group 22,431 2.6
10 USAA Insurance Group 22,060 2.6

(1) Before reinsurance transactions.

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

Top 10 Writers Of Commercial Insurance In Iowa By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Chubb $265,320 7.1%
2 Travelers Companies Inc. 186,944 5.0
3 EMC Insurance 179,789 4.8
4 Farmers Mutual Hail 166,372 4.4
5 Zurich 164,511 4.4
6 Nationwide Mutual Group 158,306 4.2
7 Great American Insurance 129,084 3.4
8 Liberty Mutual 113,236 3.0
9 QBE Insurance Group Ltd. 109,582 2.9
10 Farm Bureau Financial Services 96,095 2.6

(1) Before reinsurance transactions.

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

Top 10 Writers Of Private Passenger Auto Insurance In Indiana By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $834,453 20.8%
2 Progressive 527,516 13.1
3 Allstate Corp. 324,649 8.1
4 Indiana Farm Bureau Inc. 292,041 7.3
5 Berkshire Hathaway Inc. 276,933 6.9
6 Liberty Mutual 202,650 5.0
7 American Family Insurance Group 184,208 4.6
8 Erie Insurance Group 167,563 4.2
9 Auto-Owners Insurance Co. 121,714 3.0
10 USAA Insurance Group 112,950 2.8

(1) Before reinsurance transactions.

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

Top 10 Writers Of Homeowners Insurance In Indiana By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $500,100 24.2%
2 Allstate Corp. 176,873 8.5
3 Indiana Farm Bureau Inc. 168,667 8.1
4 Liberty Mutual 160,735 7.8
5 American Family Insurance Group 141,089 6.8
6 Erie Insurance Group 118,058 5.7
7 Auto-Owners Insurance Co. 90,751 4.4
8 USAA Insurance Group 69,375 3.4
9 Travelers Companies Inc. 67,072 3.2
10 Indiana Farmers Mutual Insurance Co. 53,336 2.6

(1) Before reinsurance transactions.

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

Top 10 Writers Of Commercial Insurance In Indiana By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Travelers Companies Inc. $323,012 5.9%
2 Liberty Mutual 307,889 5.6
3 Chubb 237,209 4.3
4 American International Group (AIG) 222,805 4.0
5 The Cincinnati Insurance Cos. 205,204 3.7
6 Zurich 198,040 3.6
7 CNA 181,144 3.3
8 Auto-Owners Insurance Co. 168,007 3.0
9 Nationwide Mutual Group 137,359 2.5
10 Great American Insurance 125,831 2.3

(1) Before reinsurance transactions.

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

Top 10 Writers Of Private Passenger Auto Insurance In Hawaii By Direct Premiums Written, 2018 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Berkshire Hathaway Inc.  $212,181 27.2%
2 State Farm  145,038 18.6
3 USAA  93,188 11.9
4 Allstate Corp.  70,797 9.1
5 Progressive  56,904 7.3
6 Farmers Insurance  48,468 6.2
7 Tokio Marine  39,101 5.0
8 Liberty Mutual  37,640 4.8
9 Island Insurance Companies  25,181 3.2
10 MS&AD Insurance  17,765 2.3

(1) Before reinsurance transactions.

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

Top 10 Writers Of Homeowners Insurance In Hawaii By Direct Premiums Written, 2017 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $121,356 31.6%
2 Heritage Insurance Hldgs Inc. 55,288 14.4
3 Tokio Marine Group 36,632 9.6
4 USAA Insurance Group 29,151 7.6
5 Allstate Corp. 22,509 5.9
6 DB Insurance Co. Ltd. 19,642 5.1
7 Island Insurance Companies 14,914 3.9
8 Liberty Mutual 13,190 3.4
9 American International Group (AIG) 11,416 3.0
10 Ocean Harbor Insurance 11,340 3.0

(1) Before reinsurance transactions.

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

Top 10 Writers Of Commercial Insurance In Hawaii By Direct Premiums Written, 2017 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Tokio Marine Group $191,510 14.2%
2 Island Insurance Companies 84,181 6.2
3 Hawaii Employers’ Mutual Insurance Co. 72,655 5.4
4 American International Group (AIG) 71,883 5.3
5 Chubb Ltd. 63,961 4.7
6 Allianz 54,338 4.0
7 MS&AD Insurance 54,336 4.0
8 Zurich Insurance Group (2) 52,899 3.9
9 Liberty Mutual 51,030 3.8
10 Fairfax Financial 44,702 3.3

(1) Before reinsurance transactions.
(2) Data for Farmers Insurance Group of Companies and Zurich Financial Group (which owns Farmers’ management company) are reported separately by S&P Global Market Intelligence.

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

Top 10 Writers Of Private Passenger Auto Insurance In Alaska By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $147,709 29.0%
2 Berkshire Hathaway Inc. 93,631 18.4
3 USAA Insurance Group 91,367 18.0
4 Allstate Corp. 61,311 12.1
5 Progressive 53,107 10.4
6 Liberty Mutual 18,593 3.7
7 COUNTRY Financial 16,308 3.2
8 Hartford Financial Services 9,353 1.8
9 Tiptree Inc. 5,072 1.0
10 Western National Insurance Group 5,013 1.0

(1) Before reinsurance transactions.

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

Top 10 Writers Of Homeowners Insurance In Alaska By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $54,845 32.1%
2 Allstate Corp. 31,835 18.6
3 USAA Insurance Group 30,096 17.6
4 Liberty Mutual 17,499 10.2
5 COUNTRY Financial 14,696 8.6
6 Western National Insurance Group 11,135 6.5
7 Horace Mann 2,904 1.7
8 Farmers Insurance Group 2,297 1.3
9 IAT Insurance 1,866 1.1
10 Hartford Financial Services 1,299 0.8

(1) Before reinsurance transactions.

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

Top 10 Writers Of Commercial Insurance In Alaska By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 CopperPoint Insurance Companies $102,987 10.7%
2 Liberty Mutual 99,525 10.3
3 American International Group (AIG) 45,247 4.7
4 Western National Insurance Group 45,120 4.7
5 Chubb 36,973 3.8
6 Allianz 36,492 3.8
7 Travelers Companies Inc. 35,815 3.7
8 Zurich 35,463 3.7
9 State Farm 35,163 3.7
10 Berkshire Hathaway Inc. 31,473 3.3

(1) Before reinsurance transactions.

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

Top 10 Costliest World Insurance Losses, 1970-2016 (1)

(2016 $ millions)
Rank Date Country Event Insured loss
1 Aug. 25, 2005 U.S., Gulf of Mexico Hurricane Katrina, storm surge, damage to oil rigs $80,699
2 Mar. 11, 2011 Japan Earthquake (Mw 9.0) triggers tsunami 37,344
3 Oct. 24, 2012 U.S., Caribbean, Canada Hurricane Sandy, storm surge 30,141
4 Aug. 23, 1992 U.S., Bahamas Hurricane Andrew, floods 27,368
5 Sep. 11, 2001 U.S. Terror attacks on WTC, Pentagon and other buildings 25,456
6 Jan. 17, 1994 U.S. Northridge earthquake (Mw 6.7) 24,773
7 Sep. 6, 2008 U.S., Gulf of Mexico, Caribbean Hurricane Ike, floods, damage to oil rigs 22,577
8 Feb. 22, 2011 New Zealand Earthquake (Mw 6.1), aftershocks 17,072
9 Sep. 2, 2004 U.S., Caribbean, Venezuela Hurricane Ivan, damage to oil rigs 16,417
10 Jul. 27, 2011 Thailand Heavy monsoon rains, extreme flooding  16,005

(1) Property and business interruption losses, excludes life and liability losses. Includes flood losses in the United States insured via the National Flood Insurance Program. Adjusted to 2016 dollars by Swiss Re.

Note: Loss data shown here may differ from figures shown elsewhere for the same event due to differences in the date of publication, the geographical area covered and other criteria used by organizations collecting the data.

Source: Swiss Re, sigma, No. 2/2017.

Top 10 Deadliest Mass Shootings, United States, 2012-2023

Rank Incident date State City or county Number killed Number injured
1 October 1, 2017 Nevada Las Vegas 61 439
2 June 12, 2016 Florida Orlando 50 53
3 December 14, 2012 Connecticut Sandy Hook 28 2
4 November 5, 2017 Texas Sutherland Springs 27 20
6 August 3, 2019 Texas El Paso 23 23
5 October 16, 1991 Texas Killeen 24 27
7 May 24, 2022 Texas Uvalde 22 17
8 October 25, 2023 Maine Lewiston 19 13
9 February 14, 2018 Florida Pompano Beach (Parkland) 17 17
10 December 2, 2015 California San Bernardino 16 19

Source: Gun Violence Archive.

Estimated Number and Cost of Dog Bite Claims (And Other Dog-Related Injuries*), 2017 State Results

Rank State Number of Claims Average Cost Per Claim Value of Claims
($ millions)
1 CA 2,228 $40,563 $90.4
2 FL 1,345 44,700 60.1
3 PA 1,002 26,486 26.5
4 NY 957 43,479 41.6
5 OH 932 24,795 23.1
6 TX 929 35,562 33
7 IL 901 36,844 33.2
8 MI 734 38,798 28.5
9 NJ 686 43,652 29.9
10 MN 486 29,873 14.5
  Top 10 10,200 37,346 380.9
  Other 8,322 36,690 305.3
  Total United States 18,522 37,051 $686.3

Source: Insurance Information Institute, State Farm®.

Estimated Number and Cost of Dog Bite Claims (And Other Dog-Related Injuries*), 2003-2017

Year Value of Claims
($ millions)		 Number of Claims Average Cost
Per Claim
2003 $324.2 16,919 $19,162
2004 318.9 15,630 20,406
2005 321.1 14,295 22,464
2006 322.4 14,661 21,987
2007 356.2 14,531 24,511
2008 387.0 15,823 24,461
2009 412.0 16,586 24,840
2010 412.6 15,770 26,166
2011 490.8 16,695 29,396
2012 489.7 16,459 29,752
2013 483.7 17,359 27,862
2014 530.8 16,550 32,072
2015 571.3 15,352 37,214
2016 602.2 18,123 33,230
2017 686.3 18,522 37,051
% change, 2016-2017 14.0% 2.2% 11.5%
% change, 2003-2017 111.7% 9.5% 93.4%

Source: Insurance Information Institute, State Farm®.

Top 25 U.S. Excess and Surplus Lines Groups by Direct Premiums Written, 2024 (1)

($000)
Rank Group Direct premiums written Percent of total
U.S. surplus lines market
1 Berkshire Hathaway Inc. (SNL P&C Group) $8,460,642 8.6%
2 AIG (SNL P&C Group) 5,599,587 5.7
3 Fairfax Financial (SNL P&C Group) 4,390,827 4.5
4 W. R. Berkley Corp. (SNL P&C Group) 4,129,391 4.2
5 Markel (SNL P&C Group) 3,832,535 3.9
6 Chubb (SNL P&C Group) 3,811,509 3.9
7 Starr Cos. (SNL P&C Group) 2,967,100 3.0
8 Nationwide (SNL P&C Group) 2,946,710 3.0
9 Liberty Mutual (SNL P&C Group) 2,246,118 2.3
10 AXIS (SNL P&C Group) 2,197,355 2.2
11 MS&AD Insurance (SNL P&C Group) 2,060,354 2.1
12 Sompo (SNL P&C Group) 2,045,898 2.1
13 AXA SA (SNL P&C Group) 1,985,087 2.0
14 Kinsale Insurance Co. 1,869,796 1.9
15 Arch Capital (SNL P&C Group) 1,643,204 1.7
16 Travelers (SNL P&C Group) 1,642,730 1.7
17 CNA (SNL P&C Group) 1,603,347 1.6
18 Tokio Marine (SNL P&C Group) 1,570,449 1.6
19 StarStone (SNL P&C Group) 1,462,409 1.5
20 Munich Re (SNL P&C Group) 1,434,764 1.5
21 The Hartford (SNL P&C Group) 1,412,459 1.4
22 Great American Insurance (SNL P&C Group) 1,381,648 1.4
23 Zurich (SNL P&C Group) 1,351,221 1.4
24 Everest Re (SNL P&C Group) 1,318,562 1.3
25 AmTrust Financial (SNL P&C Group) 1,262,793 1.3

(1) Excludes Lloyd’s of London and territories.

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

First Nine Months 2017 Financial Results*

(Billions)
Net Earned Premiums $404.936
Incurred Losses (including LAE and reserve changes) 311.588
Other underwriting and operations expenses 112.802
Policyholder Dividends 1.430
Net Underwriting Gain/Loss (20.884)
Net Investment Income earned 35.406
Other items (4.201)
Pre-tax Operating Gain/Loss 10.321
Net Realized Capital Gains/Losses 13.428
Net Pre-tax income 23.749
Taxes 1.397
Net After-Tax Income $22.352
   
Surplus (End of Period) $719.4
Combined Ratio 104.1

*Figures may not add to totals due to rounding. Calculations in text based on unrounded figures.

Top 10 Largest California Wildfires (1)

Rank Fire name (cause) Date County Acres Structures Deaths
1 August Complex (Lightning) August 2020 Mendocino, Humboldt, Trinity,
Tehama, Glenn, Lake, & Colusa		 1,032,648 935 1
2 Dixie (Powerlines) July 2021 Butte, Plumas, Lassen, Shasta & Tehama 963,309 1,311 1
3 Mendocino Complex (Human Related) July 2018 Colusa, Lake, Mendocino & Glenn 459,123 280 1
4 Park Fire (Arson) July 2024 Butte, Plumas, Shasta & Tehama 429,603 709 0
5 SCU Lightning Complex (Lightning) August 2020 Stanislaus, Santa Clara, Alameda, Contra
Costa, & San Joaquin		 396,625 225 0
6 Creek (Undetermined) September 2020 Fresno & Madera 379,895 858 0
7 LNU Lightning Complex (Lightning/Arson) August 2020 Napa, Solano, Sonoma, Yolo, Lake, & Colusa 363,220 1,491 6
8 North Complex (Lightning) August 2020 Butte, Plumas & Yuba 318,935 2,352 15
9 Thomas (Powerlines) December 2017 Ventura & Santa Barbara 281,893 1,060 2
10 Cedar (Human Related) October 2003 San Diego 273,246 2,820 15

(1) As of October 2024.

Source: Calfire.

Top 10 Life and Nonlife Insurance Companies, France, 2016

(US$ millions)
Life Nonlife
Rank Company Direct premiums written (1) Rank Company Gross premiums written (2)
1 CNP $25,361.2 1 AXA $11,172.9
2 Credit Agricole Assurances 23,837.5 2 Covea 11,167.8
3 Axa France Assurance 16,113.7 3 Groupama 8,828.2
4 Credit Mutuel 14,959.6 4 Allianz 6,119.7
5 BNP Paribas Cardif 12,268.4 5 Groupe Macif 4,330.2
6 Societe Generale 10,928.4 6 Credit Agricole 4,236.7
7 Generali 8,703.1 7 Generali 3,066.1
8 Allianz 7,717.1 8 Credit Mutuel 2,399.5
9 BPCE 7,615.3 9 Maif 2,261.3
10 Aviva 6,326.2 10 Matmut 1,507.2

(1) The total amount of premiums written by an insurer before taking into account the premiums that are ceded to reinsurers; provisional.
(2) Gross premiums written: direct premiums written and reinsurance assumed premium before taking into account deductions for reinsurance and ceding commissions.

Source: Life: French Insurance Federation, sourced by Timetric; Nonlife: compiled by Timetric using the Solvency and Financial Conditions Reports of insurance companies that operate in France. © Global Data.

Top 10 Life And Nonlife Insurance Companies, United Kingdom, 2017

(US$ millions)
  Life (1)   Nonlife
Rank Company Gross written
premium (2)		 Rank Company Gross written
premium (2)
1 Legal & General UK Group (3) $69,472.7 1 AVIVA Plc $6,405.5
2 BlackRock UK Group (3) 32,325.9 2 AXA Insurance UK Plc 4,738.7
3 Aviva UK Group (3)  19,035.7 3 Direct Line Insurance Group Plc 4,606.4
4 Prudential UK Group (3) 18,611.1 4 RSA Insurance Group Plc 3,768.2
5 Standard Life UK Group (3) 13,168.6 5 Allianz Insurance Plc 3,079.6
6 Royal London Mutual Insurance Society UK Group (3) 12,662.6 6 Zurich Insurance Group Ltd. (Zurich) 2,760.3
7 Lloyds Banking UK Group 10,875.8 7 Ageas (UK) Limited 2,360.1
8 AEGON UK Group 10,852.6 8 BUPA Insurance Limited 2,183.4
9 Old Mutual UK Group (3) 9,193.1 9 Liverpool Victoria Friendly Society Limited 2,168.7
10 Zurich Insurance UK Group (3) 8,552.6 10 Admiral Group Plc 2,092.7

(1) Data reported by insurers in the Solvency and Financial Conditions Reports must include all insurance business regardless of different classifications between
investment contracts and insurance contracts applicable in the financial statements, effective 2017. As a result, premiums for index-linked and unit-linked insurance
increased significantly in 2017.
(2) Direct premium written and reinsurance assumed premium before taking into account deductions for reinsurance and ceding commissions.
(3) Company experienced significant growth in Index-linked, unit-linked or similar product in 2017 as a result of new reporting methodology.

Source: The Solvency and Financial Conditions Reports (SFCR) of these companies, sourced by Timetric. © Global Data.

Top 10 Writers Of Commercial Insurance In Texas By Direct Premiums Written, 2015 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Chubb Ltd.  $1,153,256 5.1%
2 Liberty Mutual  1,130,744 5.0
3 American International Group (AIG) 1,126,774 5.0
4 Travelers Companies Inc. 1,100,186 4.9
5 Texas Mutual Insurance Co. 948,660 4.2
6 Zurich Insurance Group (2) 880,390 3.9
7 CNA Financial Corp.  872,170 3.9
8 Hartford Financial Services 584,420 2.6
9 Nationwide Mutual Group  580,226 2.6
10 AmTrust Financial Services 539,607 2.4

(1) Before reinsurance transactions.
(2) Data for Farmers Insurance Group of Companies and Zurich Financial Group (which owns Farmers’ management company) are reported separately by S&P Global Market Intelligence.

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

Top 10 Life and Nonlife Insurance Companies, Taiwan, 2017

(US$ millions)
Life Nonlife
Rank Company Direct premiums written (1) Rank Company Direct premiums written (1)
1 Cathay Life $21,888.0 1 Fubon $1,012.5
2 Nan Shan Life 15,346.2 2 Cathay Century 570.6
3 Fubon Life 14,421.0 3 Shin Kong 485.2
4 Shin Kong Life 8,995.6 4 Tokio Marine Newa 371.8
5 Taiwan Life 7,820.0 5 Mingtai 371.0
6 China Life 6,034.5 6 Union 266.6
7 Chunghwa Pos 4,716.1 7 South China 259.8
8 Mercuries Life 3,733.0 8 Taian 218.6
9 TransGlobe Life 2,614.2 9 Chung Kuo 207.2
10 Farglory Life 2,598.2 10 The First 205.8

(1) The total amount of direct premiums written by an insurer before taking into account the premiums that are ceded to reinsurers. Personal accident and health and domestic and foreign business are included.

Source: Taiwan Insurance Institute (www.tii.org.tw/), sourced by Timetric. © Global Data.

Top 10 Life and Nonlife Insurance Companies, Canada, 2017

(US$ millions)
Life Nonlife
Rank Company Gross premiums written (1) Rank Company Gross premiums written (1)
1 The Manufacturers Life Insurance Company $28,020.9 1 Intact Insurance Company $5,240.6
2 The Great-West Life Assurance Company 26,537.0 2 Aviva Insurance Company of Canada 3,109.4
3 Sun Life Financial Inc. 15,255.3 3 Security National Insurance Company 2,306.8
4 RBC Life Insurance Company 1,593.4 4 The Wawanesa Mutual Insurance Company 2,277.5
5 Co-operators Life Insurance Company 915.4 5 Co-operators General Insurance Company 2,114.1
6 BMO Life Insurance Company 912.9 6 Economical Mutual Insurance Company 1,762.2
7 The Empire Life Insurance Company 743.3 7 Royal & Sun Alliance Insurance Company of Canada 1,388.8
8 The Equitable Life Insurance Company of Canada 696.3 8 Certas Home and Auto Insurance Company 1,309.8
9 Ivari Insurance Company 622.4 9 Allstate Insurance Company of Canada 1,136.3
10 Blue Cross Life Insurance Company of Canada 285.1 10 The Personal Insurance Company 1,104.7

(1) Gross premiums written: direct premiums written and reinsurance assumed premium before taking into account deductions for reinsurance and ceding commissions.

Source: Office of the Superintendent of Financial Institutions (www.osfi-bsif.gc.ca), sourced by Timetric. © Global Data.

Top 10 Life and Nonlife Insurance Companies, South Korea, 2017

(US$ millions)
Life Nonlife (2)
Rank Company Direct premiums written (1) Rank Company Direct premiums written (1)
1 Samsung Life Insurance $23,246.6 1 Samsung Fire $15,914.7
2 Hanwha Life Insurance Co., Ltd. 12,200.4 2 Hyundai Marine and Fire Insurance Co., Ltd. 11,207.4
3 Kyobo Life Insurance 10,264.0 3 Dongbu Fire 10,754.7
4 NongHyup Life Insurance Company 7,187.5 4 KB Insurance Co., Ltd. 8,491.7
5 Tongyang Life Insurance 5,218.1 5 Meritz Fire and Marine Insurance Co., Ltd. 5,623.0
6 SK Life Insurance 4,956.7 6 Hanwha General Insurance Co., Ltd. 4,638.6
7 Shinhan Life Insurance 4,601.5 7 Heungkuk Fire and Marine Insurance Co., Ltd. 2,784.8
8 Hungkuk Life Insurance 4,194.8 8 NongHyup Property & Casualty Insurace Company 2,750.1
9 ING Life Insurance 3,632.8 9 Lotte Non-Life Insurance Co., Ltd. 1,994.8
10 Hyundai Life 3,590.9 10 Seoul Guarantee Insurance 1,326.7

(1) The total amount of direct premiums written by an insurer before taking into account the premiums that are ceded to reinsurers. Includes personal accident and health.
(2) Includes premium received  from foreign markets.

Source: Financial Supervisory Service (www.fss.or.kr/), sourced by Timetric. © Global Data.

Top 10 Life and Nonlife Insurance Companies, Italy, 2017

(US$ millions)
Life Nonlife
Rank Company Direct premiums written (1) Rank Company Direct premiums written (1)
1 Poste Vita $22,849.1 1 Unipolsai Assicurazioni $6,668.4
2 Intesa Sanpaolo Vita 11,057.4 2 Generali Italia 4,319.1
3 Generali Italia 9,055.3 3 Allianz 3,294.8
4 Intesa Sanpaolo Life (LPS) 8,947.8 4 Societa’ Cattolica 1,602.4
5 Creditras Vita 5,672.4 5 Axa Assicurazioni 1,423.1
6 Alleanza Assicurazioni 5,543.6 6 Societa’ Reale Mutua 1,376.5
7 Fideuram Vita 5,404.1 7 Vittoria Assicurazioni 1,147.8
8 Genertellife 4,909.8 8 Zurich Insurance Plc 1,137.9
9 BNP Paribas Cardif Vita 4,329.1 9 Groupama Assicurazioni 1,116.6
10 Darta Saving Life Assurance (LPS) 3,475.3 10 Itas Mutua 797.1

(1) The total amount of direct premiums written by an insurer before taking into account the premiums that are ceded to reinsurers. Excludes personal accident and health.

Source: National Association of Insurance Companies (www.ania.it), sourced by Timetric. © Global Data.

Top 10 Life and Nonlife Insurance Companies, Germany, 2016

(US$ millions)
Life Nonlife
Rank Company Gross premiums written (1) Rank Company Gross premiums written (1)
1 Allianz Leben $19,902.5 1 Allianz Vers $10,376.9
2 R+V Lebensver AG 5,608.3 2 Allianz Global Corporate & Specialty SE 4,503.5
3 Aachenmünchener Leben AG 5,410.0 3 HDI-Gerling Industrie  4,421.7
4 Zurich Deutsch Herold  3,865.1 4 Axa Vers 4,327.5
5 Debeka Leben 3,766.0 5 R+V Allgemeine Vers 4,098.4
6 Generali Leben AG 3,479.0 6 Ergo Vers 3,661.2
7 Axa Leben 2,993.1 7 LVM  2,450.0
8 Ergo Leben AG 2,978.0 8 HUK-COBURG Allgemeine Vers 2,160.5
9 Bayern-Vers 2,806.3 9 Generali Vers 1,996.1
10 Alte Leipziger Leben 2,611.8 10 Gothaer Allgemeine Vers 1,905.0

(1) Gross premiums written: direct premiums written and reinsurance assumed premium before taking into account deductions for reinsurance and ceding commissions. Excludes personal accident and health.

Source: Federal Financial Supervisory Authority (www.bafin.de), sourced by Timetric. © Global Data.

Top 10 Life and Nonlife Insurance Companies, People’s Republic of China, 2017

(US$ millions)
Life Nonlife
Rank Company Premium income (1) Rank Company Premium income
1 China Life Insurance Co., Ltd. $75,802.6 1 PICC Property and Casualty Co., Ltd. $51,686.0
2 Ping An Life Insurance Company of China, Ltd. 54,592.8 2 Ping An Property & Casualty 31,960.1
3 Anbang Life Insurance Co., Ltd. 28,052.6 3 China Pacific Property Insurance Co., Ltd. (CPIC) 15,388.5
4 CPIC Life (China Pacific Insurance (Group) Co., Ltd.) 25,744.9 4 China Life Property and Casualty Co., Ltd. 9,798.1
5 Taikang Life Insurance Co., Ltd. 17,072.9 5 China United Property Insurance Company 5,745.6
6 Taiping Life Insurance Co., Ltd. 16,858.0 6 China Continent Property & Casualty Insurance Co., Ltd. 5,493.3
7 New China Life Insurance Co., Ltd. 16,172.6 7 Sunshine Property & Casualty Insurance Co., Ltd. 4,951.0
8 PICC Life Insurance Co., Ltd. 15,720.0 8 Taiping General Insurance Co., Ltd. 3,265.6
9 Huaxia Life Insurance Co., Ltd. 12,867.6 9 China Export & Credit Insurance Corporation 2,735.9
10 Funde Sino Life Insurance Co., Ltd. 11,897.6 10 Tian An Property Insurance Company 2,097.1

(1) Includes personal accident and health.

Source: China Insurance Regulatory Commission (www.circ.gov.cn/), sourced from Timetric. © Global Data.

Top 10 Life And Nonlife Insurance Companies, Japan, 2017

(US$ millions)
  Life (1)   Nonlife
Rank Company Gross premium
written  (2)		 Rank Company Gross premium
written (2)
1 Nippon Life Insurance Company $40,008.7 1 Tokio Marine & Nichido Fire Insurance Co., Ltd. $24,605.5
2 Japan Post Insurance Co., Ltd. 37,667.8 2 Sompo Japan Nipponkoa Insurance Inc. 24,558.0
3 Meiji Yasuda Life Insurance Company 24,239.4 3 Mitsui Sumitomo Insurance Co., Ltd. 16,949.1
4 Sumitomo Life Insurance Company 22,334.1 4 Aioi Nissay Dowa Insurance Co., Ltd. 13,494.7
5 Dai-ichi Life Insurance Co., Ltd. 20,693.7 5 AIU Insurance Co., Ltd. 2,865.6
6 MetLife Life Insurance Co., Ltd. 14,482.3 6 The Kyoei Fire & Marine Insurance Co., Ltd. 1,822.6
7 Dai-ichi Frontier Life Insurance Co., Ltd. 12,184.5 7 Nisshin Fire & Marine Insurance Co., Ltd. 1,482.4
8 Gibraltar Life Insurance Co., Ltd. 9,814.4 8 Sony Assurance Inc. 969.0
9 Mitsui Sumitomo Primary Life Insurance Co., Ltd. 9,054.4 9 The Asahi Fire & Marine Insurance Co., Ltd. 634.8
10 Sony Life Insurance Co., Ltd. 9,421.1 10 American Home Assurance Co., Ltd. 554.5

(1) Direct written premium and reinsurance assumed premium before taking into account deductions for reinsurance and ceding commissions. Includes personal accident and health.

Source: Life: The Life Insurance Association of Japan (www.seiho.or.jp); nonlife: individual company annual reports, sourced from Timetric. © Global Data.

Top 10 Life And Nonlife Insurance Companies, United States, 2017

(US$ millions)
Life Nonlife
Rank Company Direct premiums written (1) Rank Company Direct premiums written (2)
1 MetLife Inc.  $86,621.6 1 State Farm Mutual Automobile Insurance $64,892.6
2 Prudential Financial Inc.  47,465.7 2 Berkshire Hathaway Inc. 38,408.3
3 New York Life Insurance Group  31,852.4 3 Liberty Mutual 33,831.7
4 Principal Financial Group Inc.  28,153.2 4 Allstate Corp. 31,501.7
5 Massachusetts Mutual Life Insurance Co.  24,735.1 5 Progressive Corp. 27,862.9
6 Jackson National Life Group  22,439.1 6 Travelers Companies Inc. 24,875.1
7 American International Group  21,465.7 7 Chubb Ltd. 21,266.7
8 Transamerica 21,317.7 8 USAA Insurance Group 20,151.4
9 AXA  21,290.3 9 Farmers Insurance Group of Companies (3) 19,855.5
10 Lincoln National Corp.  20,397.4 10 Nationwide Mutual Group 19,218.9

(1) Includes life insurance, annuity considerations, deposit-type contract funds and other considerations; excludes accident and health insurance. Before reinsurance transactions.
(2) Before reinsurance transactions, includes state funds.
(3) Data for Farmers Insurance Group of Companies and Zurich Financial Group (which owns Farmers’ management company) are reported separately by S&P Global Market Intelligence.

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

First Half 2017 Financial Results*

($ billions)
Net Earned Premiums $265.80
Incurred Losses (Including loss adjustment expenses) 194.3
Expenses 75
Policyholder Dividends 1
Net Underwriting Gain (Loss) -4.5
Investment Income 23.4
Other Items 4.9
Pre-Tax Operating Gain 14
Realized Capital Gains (Losses) 3.6
Pre-Tax Income 25.8
Taxes 2.1
Net After-Tax Income $15.50
Surplus (End of Period) $717.00
Combined Ratio 100.7**

*Figures may not add to totals due to rounding. Calculations in text based on unrounded figures.
**Includes mortgage and financial guaranty insurers.

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.

Incurred Losses By State, Property/Casualty Insurance, 2015 (1)

($000)
State Incurred losses
Alabama $4,093,192
Alaska 719,288
Arizona 5,446,616
Arkansas 2,910,023
California 39,547,703
Colorado 6,396,637
Connecticut 4,533,879
Delaware 1,383,315
D.C. 878,280
Florida 22,014,264
Georgia 10,489,728
Hawaii 1,014,650
Idaho 1,414,387
Illinois 13,392,906
Indiana 5,771,409
Iowa 3,153,050
Kansas 2,997,963
Kentucky 4,331,174
Louisiana 5,609,416
Maine 1,044,592
Maryland 6,409,320
Massachusetts 8,836,136
Michigan 11,187,648
Minnesota 5,731,502
Mississippi 2,520,682
Missouri 6,369,204
Montana 1,309,551
Nebraska 2,322,393
Nevada 2,819,262
New Hampshire 1,156,725
New Jersey 11,946,823
New Mexico 1,897,250
New York 24,944,776
North Carolina 7,503,427
North Dakota 1,119,926
Ohio 7,974,601
Oklahoma 4,491,760
Oregon 3,346,175
Pennsylvania 13,301,894
Rhode Island 1,565,774
South Carolina 5,073,633
South Dakota 1,194,828
Tennessee 5,766,943
Texas 29,009,021
Utah 2,171,672
Vermont 628,825
Virginia 6,617,186
Washington 6,373,962
West Virginia 1,422,841
Wisconsin 4,948,732
Wyoming 510,973
United States $327,615,917

(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance.

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

National Flood Insurance Policies in Force in South Carolina by County, 2017 (1)

County Number
of
policies
in
force		 Building
coverage		 Contents
coverage		 Total
coverage		 Estimated
population
housing
units
2015		 Population
2015		 Percentage
of
properties
insured
Abbeville County 30 $5,005,000 $1,136,700 $6,141,700 12,004 24,932 (2)
Aiken County 512 104,461,000 30,978,500 135,439,500 74,504 165,829 1%
Allendale County 5 715,500 217,200 932,700 4,451 9,433 (2)
Anderson County 151 29,689,500 9,683,000 39,372,500 86,084 194,692 (2)
Bamberg County 35 5,377,300 1,497,800 6,875,100 7,604 14,880 (2)
Barnwell County 9 1,497,000 590,000 2,087,000 10,378 21,725 (2)
Beaufort County 51,692 11,183,181,400 2,979,507,000 14,162,688,400 95,287 179,589 54
Berkeley County 7,493 1,594,619,700 458,321,000 2,052,940,700 79,154 202,786 10
Calhoun County 15 2,144,900 588,000 2,732,900 7,298 14,781 (2)
Charleston County 67,829 15,153,531,900 3,735,281,800 18,888,813,700 180,681 389,262 38
Cherokee County 23 3,726,900 2,057,800 5,784,700 24,052 56,194 (2)
Chester County 26 3,012,700 1,685,500 4,698,200 14,582 32,267 (2)
Chesterfield County 20 3,216,600 1,070,500 4,287,100 21,260 46,017 (2)
Clarendon County 156 28,824,700 8,816,300 37,641,000 17,419 33,775 1
Colleton County 2,044 442,870,700 87,647,400 530,518,100 19,676 37,731 10
Darlington County 121 21,940,200 7,712,200 29,652,400 30,215 67,548 (2)
Dillon County 88 11,071,400 3,846,000 14,917,400 13,545 31,234 1
Dorchester County 3,507 708,016,200 223,697,900 931,714,100 58,621 152,478 6
Edgefield County 24 5,424,700 1,930,100 7,354,800 10,655 26,514 (2)
Fairfield County 269 52,664,300 7,624,700 60,289,000 11,677 22,747 2
Florence County 609 97,123,200 32,204,800 129,328,000 59,210 138,900 1
Georgetown County 8,457 1,835,938,700 527,514,600 2,363,453,300 34,262 61,298 25
Greenville County 1,280 246,093,200 79,738,300 325,831,500 203,433 491,863 1
Greenwood County 123 21,557,100 7,262,300 28,819,400 31,210 69,838 (2)
Hampton County 82 14,182,300 5,179,200 19,361,500 9,007 20,049 1
Horry County 46,577 8,053,291,800 1,646,161,200 9,699,453,000 196,116 309,199 24
Jasper County 1,224 267,017,700 92,748,400 359,766,100 11,077 27,824 11
Kershaw County 419 77,286,500 17,010,400 94,296,900 28,191 63,603 1
Lancaster County 159 32,542,800 11,614,300 44,157,100 35,063 85,842 (2)
Laurens County 104 16,883,600 5,559,500 22,443,100 30,613 66,623 (2)
Lee County 34 4,643,700 1,305,300 5,949,000 7,659 17,896 (2)
Lexington County 1,429 262,231,700 62,029,200 324,260,900 119,716 281,833 1
Marion County 328 31,318,200 7,532,000 38,850,200 14,762 31,747 2
Marlboro County 32 3,882,200 1,210,500 5,092,700 11,928 27,494 (2)
McCormick County 37 8,115,000 1,971,100 10,086,100 5,476 9,706 1
Newberry County 144 24,139,700 5,120,700 29,260,400 17,982 38,012 1
Oconee County 75 14,645,600 5,448,900 20,094,500 39,255 75,713 (2)
Orangeburg County 224 37,877,100 13,005,000 50,882,100 42,086 89,208 1
Pickens County 123 24,713,500 7,451,900 32,165,400 52,416 121,691 (2)
Richland County 2,844 511,706,700 144,737,700 656,444,400 168,973 407,051 2
Saluda County 38 7,077,100 1,420,100 8,497,200 9,262 20,053 (2)
Spartanburg County 288 54,945,100 20,160,700 75,105,800 125,343 297,302 (2)
Sumter County 689 111,583,700 34,325,700 145,909,400 47,183 107,480 1
Union County 1 30,000 12,000 42,000 13,987 27,777 (2)
Williamsburg County 159 20,709,400 6,838,000 27,547,400 15,137 32,535 1
York County 460 88,439,900 29,213,900 117,653,800 101,588 251,195 (2)
Total 199,988 $41,228,967,100 $10,330,665,100 $51,559,632,200 2,210,082 4,896,146 9%

(1) As of May, 2017.
(2) Less than 0.5 percent.

Source: U.S. Department of Homeland Security, Federal Emergency Management Agency.

National Flood Insurance Policies in Force in North Carolina by County, 2017 (1)

County Number
of
policies
in
force		 Building
coverage		 Contents
coverage		 Total
coverage		 Estimated
population
housing
units
2015		 Population
2015		 Percentage
of
properties
insured
Alamance County 329 $57,716,500 $17,254,500 $74,971,000 68,493 158,276 (2)
Alexander County 31 6,142,900 2,308,100 8,451,000 16,163 37,325 (2)
Alleghany County 18 3,041,300 870,000 3,911,300 8,136 10,837 (2)
Anson County 7 1,525,000 527,200 2,052,200 11,507 25,759 (2)
Ashe County 175 34,178,600 7,984,100 42,162,700 17,493 27,020 1%
Avery County 224 41,383,800 12,540,900 53,924,700 14,041 17,689 2
Beaufort County 4,130 691,049,000 94,715,200 785,764,200 25,472 47,651 16
Bertie County 227 29,079,400 9,110,000 38,189,400 9,727 20,199 2
Bladen County 143 19,781,600 5,117,700 24,899,300 17,636 34,318 1
Brunswick County 16,810 3,646,358,300 886,408,900 4,532,767,200 83,080 122,765 20
Buncombe County 1,017 217,779,600 70,830,800 288,610,400 116,638 253,178 1
Burke County 131 26,624,700 6,573,800 33,198,500 40,615 88,842 (2)
Cabarrus County 456 93,899,000 32,153,500 126,052,500 76,892 196,762 1
Caldwell County 191 34,800,500 9,504,100 44,304,600 37,643 81,287 1
Camden County 857 171,412,800 24,883,400 196,296,200 4,155 10,309 21
Carteret County 14,288 2,714,677,600 552,306,800 3,266,984,400 48,982 68,879 29
Caswell County 2 270,000 108,000 378,000 10,591 22,941 (2)
Catawba County 241 44,148,300 15,221,400 59,369,700 67,872 155,056 (2)
Chatham County 202 41,355,800 15,565,800 56,921,600 30,498 70,928 1
Cherokee County 144 27,302,900 7,276,400 34,579,300 17,733 27,178 1
Chowan County 455 97,423,900 23,185,000 120,608,900 7,255 14,394 6
Clay County 131 27,384,300 6,075,100 33,459,400 7,244 10,703 2
Cleveland County 58 10,806,400 3,659,800 14,466,200 43,254 96,879 (2)
Columbus County 433 59,260,400 14,981,300 74,241,700 25,847 56,694 2
Craven County 4,481 864,009,500 204,375,800 1,068,385,300 46,055 103,451 10
Cumberland County 1,666 301,902,900 105,127,200 407,030,100 144,426 323,838 1
Currituck County 5,087 1,147,680,400 291,416,500 1,439,096,900 15,218 25,263 33
Dare County 21,208 4,589,527,400 827,799,800 5,417,327,200 34,187 35,663 62
Davidson County 277 52,324,500 17,000,600 69,325,100 73,136 164,622 (2)
Davie County 73 15,966,600 4,455,400 20,422,000 18,222 41,753 (2)
Duplin County 367 66,370,800 25,819,700 92,190,500 25,466 59,159 1
Durham County 1,352 265,232,900 69,460,600 334,693,500 130,230 300,952 1
Edgecombe County 935 128,561,900 39,158,900 167,720,800 24,627 54,150 4
Forsyth County 691 137,032,400 40,479,800 177,512,200 161,895 369,019 (2)
Franklin County 76 13,522,200 4,237,600 17,759,800 27,057 63,710 (2)
Gaston County 332 60,359,800 16,713,200 77,073,000 90,398 213,442 (2)
Gates County 79 15,356,000 4,128,100 19,484,100 5,222 11,431 2
Graham County 46 6,938,900 998,700 7,937,600 5,931 8,616 1
Granville County 37 7,386,000 2,392,400 9,778,400 23,372 58,674 (2)
Greene County 100 14,055,900 5,348,300 19,404,200 8,161 21,134 1
Guilford County 1,062 206,112,100 53,086,800 259,198,900 225,123 517,600 (2)
Halifax County 134 25,070,900 8,235,700 33,306,600 25,671 52,456 1
Harnett County 378 67,322,400 22,102,600 89,425,000 49,751 128,140 1
Haywood County 713 112,313,400 27,584,200 139,897,600 35,111 59,868 2
Henderson County 402 84,398,100 22,465,000 106,863,100 55,664 112,655 1
Hertford County 100 16,223,900 6,324,400 22,548,300 10,502 24,184 1
Hoke County 132 23,167,600 8,971,900 32,139,500 20,165 52,671 1
Hyde County 1,374 235,763,400 30,749,200 266,512,600 3,350 5,526 41
Iredell County 155 33,053,100 12,258,000 45,311,100 70,906 169,866 (2)
Jackson County 318 58,696,100 16,879,500 75,575,600 26,709 41,265 1
Johnston County 467 86,140,500 27,192,600 113,333,100 71,144 185,660 1
Jones County 141 27,317,900 8,200,000 35,517,900 4,851 10,013 3
Lee County 116 24,261,500 6,027,700 30,289,200 24,247 59,660 (2)
Lenoir County 549 86,471,100 24,166,400 110,637,500 27,206 58,106 2
Lincoln County 99 19,270,000 6,463,100 25,733,100 34,241 81,035 (2)
Macon County 177 35,642,400 11,228,200 46,870,600 25,379 34,201 1
Madison County 89 17,502,100 4,756,900 22,259,000 10,704 21,139 1
Martin County 88 12,916,400 3,799,500 16,715,900 11,521 23,357 1
McDowell County 99 18,595,600 4,867,100 23,462,700 20,936 44,989 (2)
Mecklenburg County 3,580 710,851,200 205,289,700 916,140,900 427,826 1,034,070 1
Mitchell County 30 6,225,200 1,300,000 7,525,200 8,742 15,246 (2)
Montgomery County 25 4,533,800 1,740,000 6,273,800 16,041 27,548 (2)
Moore County 529 107,241,800 27,257,400 134,499,200 45,719 94,352 1
Nash County 770 159,214,900 48,288,500 207,503,400 42,456 93,919 2
New Hanover County 14,347 2,990,347,200 704,798,800 3,695,146,000 107,090 220,358 13
Northampton County 64 8,364,400 3,214,300 11,578,700 11,512 20,426 1
Onslow County 4,308 830,619,000 210,727,500 1,041,346,500 76,926 186,311 6
Orange County 864 149,893,400 34,034,900 183,928,300 56,697 141,354 2
Pamlico County 2,001 392,556,700 83,089,000 475,645,700 7,564 12,781 26
Pasquotank County 2,696 484,866,000 78,850,900 563,716,900 16,915 39,829 16
Pender County 4,487 928,490,800 203,284,100 1,131,774,900 27,559 57,611 16
Perquimans County 731 147,995,200 34,309,800 182,305,000 7,036 13,440 10
Person County 26 5,393,500 1,785,800 7,179,300 18,220 39,259 (2)
Pitt County 1,856 327,692,800 93,143,600 420,836,400 77,332 175,842 2
Polk County 69 13,486,800 4,079,400 17,566,200 11,495 20,366 1
Randolph County 123 19,132,000 4,427,800 23,559,800 61,232 142,799 (2)
Richmond County 70 8,281,300 3,638,600 11,919,900 21,102 45,437 (2)
Robeson County 1,226 152,611,300 31,309,900 183,921,200 52,219 134,197 2
Rockingham County 76 13,011,700 3,360,200 16,371,900 43,566 91,758 (2)
Rowan County 223 42,521,400 13,445,200 55,966,600 60,241 139,142 (2)
Rutherford County 123 26,090,700 5,910,000 32,000,700 33,915 66,390 (2)
Sampson County 104 17,741,500 5,443,500 23,185,000 27,056 63,724 (2)
Scotland County 39 7,174,100 2,820,200 9,994,300 15,132 35,509 (2)
Stanly County 58 10,867,500 3,642,800 14,510,300 27,260 60,714 (2)
Stokes County 28 5,032,000 1,753,800 6,785,800 21,842 46,351 (2)
Surry County 45 10,376,900 4,274,900 14,651,800 33,516 72,743 (2)
Swain County 117 21,985,600 4,447,200 26,432,800 8,817 14,434 1
Transylvania County 259 53,083,300 16,730,600 69,813,900 19,372 33,211 1
Tyrrell County 556 78,831,000 9,950,200 88,781,200 2,050 4,070 27
Union County 465 101,834,700 33,372,800 135,207,500 77,794 222,742 1
Vance County 28 5,266,100 1,703,000 6,969,100 19,916 44,568 (2)
Wake County 3,412 738,735,800 222,682,500 961,418,300 411,435 1,024,198 1
Warren County 30 6,737,200 2,341,500 9,078,700 11,715 20,155 0
Washington County 248 44,509,400 10,749,700 55,259,100 6,412 12,385 4
Watauga County 581 113,271,200 26,175,800 139,447,000 33,130 52,906 2
Wayne County 1,070 167,648,400 52,948,300 220,596,700 53,290 124,132 2
Wilkes County 72 14,938,100 5,560,100 20,498,200 33,018 68,502 (2)
Wilson County 554 96,550,600 30,562,100 127,112,700 35,762 81,714 2
Yadkin County 11 2,334,000 410,000 2,744,000 17,208 37,585 (2)
Yancey County 120 21,527,200 6,041,800 27,569,000 11,067 17,587 1
Total 130,121 $26,021,734,900 $6,022,329,400 $32,044,064,300 4,490,948 10,042,802 3%

(1) As of May, 2017.
(2) Less than 0.5 percent.

Source: U.S. Department of Homeland Security, Federal Emergency Management Agency.

National Flood Insurance Policies in Force in Georgia by County, 2017 (1)

County Number
of
policies
in
force		 Building
coverage		 Contents
coverage		 Total
coverage		 Estimated
population
housing
units
2015		 Population
2015		 Percentage
of
properties
insured
Appling County 78 $9,250,300 $1,974,700 $11,225,000 8,396 18,454 1%
Atkinson County 3 275,000 20,000 295,000 3,445 8,398 (2)
Bacon County 3 537,000 200,000 737,000 4,726 11,299 (2)
Baker County 31 3,610,000 730,000 4,340,000 1,623 3,180 2
Baldwin County 89 21,960,200 3,286,100 25,246,300 20,196 45,459 (2)
Banks County 7 860,500 331,200 1,191,700 7,528 18,495 (2)
Barrow County 80 13,571,500 4,217,200 17,788,700 27,241 75,370 (2)
Bartow County 171 32,726,000 10,602,400 43,328,400 39,945 102,747 (2)
Ben Hill County 47 6,723,600 2,132,400 8,856,000 7,876 17,403 1
Berrien County 61 6,888,000 1,187,800 8,075,800 8,618 18,963 1
Bibb County 350 67,359,800 21,712,100 89,071,900 70,267 153,721 (2)
Bleckley County 9 740,000 260,000 1,000,000 5,274 12,243 (2)
Brantley County 65 9,062,700 2,663,400 11,726,100 7,888 18,455 1
Brooks County 28 3,849,000 1,180,000 5,029,000 7,642 15,658 (2)
Bryan County 4,886 1,098,521,000 292,209,100 1,390,730,100 13,278 35,137 37
Bulloch County 424 80,518,400 21,177,000 101,695,400 30,197 72,651 1
Burke County 25 3,413,600 870,300 4,283,900 9,835 22,745 (2)
Butts County 134 25,334,700 8,763,700 34,098,400 9,269 23,593 1
Calhoun County 7 853,300 30,000 883,300 2,376 6,479 (2)
Camden County 3,656 777,894,200 219,954,100 997,848,300 21,467 52,102 17
Candler County 21 2,705,700 151,100 2,856,800 4,683 10,886 (2)
Carroll County 170 34,642,100 12,183,500 46,825,600 44,735 114,545 (2)
Catoosa County 361 52,070,900 12,863,500 64,934,400 26,882 66,050 1
Charlton County 27 4,460,300 1,384,000 5,844,300 4,401 12,965 1
Chatham County 28,863 6,191,515,700 1,832,962,800 8,024,478,500 123,669 286,956 23
Chattahoochee County 2 550,000 520,000 1,070,000 3,336 11,368 (2)
Chattooga County 38 5,483,900 2,180,300 7,664,200 10,863 24,922 (2)
Cherokee County 389 85,452,500 28,463,900 113,916,400 87,486 235,900 (2)
Clarke County 263 50,136,300 11,645,700 61,782,000 52,221 123,912 1
Clay County 2 650,000 260,000 910,000 2,078 3,141 (2)
Clayton County 532 97,675,400 25,164,100 122,839,500 104,719 273,955 1
Clinch County 53 4,699,200 807,100 5,506,300 2,959 6,893 2
Cobb County 3,364 688,280,400 198,389,100 886,669,500 295,622 741,334 1
Coffee County 49 9,437,000 2,402,600 11,839,600 16,890 43,108 (2)
Colquitt County 105 16,066,000 4,202,300 20,268,300 18,308 45,844 1
Columbia County 756 156,489,400 50,711,900 207,201,300 54,554 144,052 1
Cook County 134 13,472,700 2,070,200 15,542,900 7,241 17,124 2
Coweta County 205 40,316,700 15,270,500 55,587,200 52,660 138,427 (2)
Crawford County 4 673,000 260,000 933,000 5,246 12,388 (2)
Crisp County 299 55,794,300 8,917,200 64,711,500 10,690 22,881 3
Dade County 34 5,227,300 784,100 6,011,400 7,252 16,264 (2)
Dawson County 42 8,214,800 2,470,000 10,684,800 10,747 23,312 (2)
Decatur County 304 58,176,100 8,449,600 66,625,700 12,114 27,174 3
DeKalb County 3,448 675,626,600 162,084,600 837,711,200 308,118 734,871 1
Dodge County 10 1,335,000 305,000 1,640,000 9,715 20,882 (2)
Dooly County 34 4,747,500 1,071,200 5,818,700 6,202 14,035 1
Dougherty County 1,493 244,040,400 52,859,700 296,900,100 40,701 91,332 4
Douglas County 265 52,477,600 17,378,200 69,855,800 52,012 140,733 1
Early County 30 3,240,700 1,210,400 4,451,100 4,907 10,575 1
Echols County 2 96,000 12,000 108,000 1,529 4,040 (2)
Effingham County 868 158,474,100 55,958,100 214,432,200 20,955 57,106 4
Elbert County 6 865,500 250,000 1,115,500 9,490 19,364 (2)
Emanuel County 18 2,355,100 388,100 2,743,200 9,852 22,708 (2)
Evans County 10 1,167,900 60,000 1,227,900 4,635 10,787 (2)
Fannin County 354 68,278,300 17,324,100 85,602,400 16,716 24,303 2
Fayette County 470 93,678,400 27,250,100 120,928,500 41,613 110,714 1
Floyd County 395 64,881,500 13,885,000 78,766,500 40,410 96,504 1
Forsyth County 420 86,420,700 30,439,400 116,860,100 74,095 212,438 1
Franklin County 3 587,500 180,000 767,500 10,446 22,311 (2)
Fulton County 3,783 771,505,200 215,183,600 986,688,800 455,996 1,010,562 1
Gilmer County 318 63,396,700 19,245,500 82,642,200 16,706 29,400 2
Glynn County 15,102 3,167,430,000 766,297,100 3,933,727,100 42,053 83,579 36
Gordon County 152 27,767,100 8,151,300 35,918,400 22,265 56,574 1
Grady County 22 3,809,000 1,263,000 5,072,000 10,673 25,205 (2)
Greene County 20 4,280,000 1,580,100 5,860,100 9,181 16,710 (2)
Gwinnett County 1,539 321,026,500 94,888,700 415,915,200 301,824 895,823 1
Habersham County 84 17,271,800 5,014,800 22,286,600 18,089 43,996 (2)
Hall County 174 31,151,400 9,970,800 41,122,200 70,107 193,535 (2)
Hancock County 9 1,516,400 330,500 1,846,900 5,271 8,551 (2)
Haralson County 13 1,953,500 465,600 2,419,100 12,232 28,854 (2)
Harris County 137 29,130,900 8,659,000 37,789,900 13,772 33,381 1
Hart County 16 3,706,500 1,080,400 4,786,900 12,936 25,534 (2)
Heard County 7 757,000 168,000 925,000 5,097 11,539 (2)
Henry County 496 100,312,800 34,648,700 134,961,500 78,469 217,739 1
Houston County 502 94,241,400 28,942,400 123,183,800 61,023 150,033 1
Irwin County 4 532,000 140,000 672,000 4,016 9,245 (2)
Jackson County 30 5,794,900 2,217,800 8,012,700 23,930 63,360 (2)
Jasper County 71 12,976,500 3,505,400 16,481,900 6,264 13,635 1
Jeff Davis County 26 4,585,100 518,100 5,103,200 6,396 14,920 (2)
Jefferson County 10 958,000 340,000 1,298,000 7,224 16,106 (2)
Jenkins County 23 2,290,800 545,000 2,835,800 4,166 8,957 1
Johnson County 2 60,000 12,000 72,000 4,055 9,656 (2)
Jones County 47 10,043,900 3,002,200 13,046,100 11,562 28,494 (2)
Lamar County 7 1,165,000 442,000 1,607,000 7,500 18,201 (2)
Lanier County 22 2,585,900 427,000 3,012,900 4,291 10,312 1
Laurens County 52 7,631,400 2,896,100 10,527,500 21,247 47,731 (2)
Lee County 311 58,133,100 17,397,300 75,530,400 10,848 29,202 3
Liberty County 1,876 353,273,500 97,146,900 450,420,400 27,365 62,467 7
Lincoln County 6 911,500 265,400 1,176,900 4,775 7,673 (2)
Long County 172 32,524,900 10,905,700 43,430,600 6,347 17,731 3
Lowndes County 353 64,734,200 18,608,900 83,343,100 45,933 112,865 1
Lumpkin County 38 7,372,300 1,875,800 9,248,100 13,126 31,408 (2)
Macon County 16 1,907,200 1,177,800 3,085,000 6,032 13,632 (2)
Madison County 7 1,161,100 472,000 1,633,100 11,749 28,441 (2)
McDuffie County 11 2,115,000 897,400 3,012,400 9,233 21,540 (2)
McIntosh County 853 178,596,800 42,064,600 220,661,400 9,281 13,969 9
Meriwether County 7 1,095,000 438,000 1,533,000 9,902 21,190 (2)
Miller County 33 4,142,400 1,417,000 5,559,400 2,743 5,854 1
Mitchell County 219 26,697,700 5,755,200 32,452,900 8,915 22,574 2
Monroe County 91 17,940,600 4,984,000 22,924,600 10,993 27,103 1
Montgomery County 21 1,434,000 268,800 1,702,800 3,882 8,951 1
Morgan County 39 7,434,100 1,668,100 9,102,200 7,526 18,046 1
Murray County 45 7,118,400 2,189,500 9,307,900 15,732 39,565  
Muscogee County 871 171,306,500 35,033,100 206,339,600 84,274 200,579 1
Newton County 148 28,785,100 10,027,800 38,812,900 38,467 105,473 (2)
Oconee County 62 12,384,300 4,437,500 16,821,800 13,418 35,965 (2)
Oglethorpe County 9 1,359,300 462,000 1,821,300 6,490 14,871 (2)
Paulding County 206 40,163,100 12,790,500 52,953,600 53,948 152,238 (2)
Peach County 27 5,412,200 1,658,500 7,070,700 11,401 26,720 (2)
Pickens County 52 8,590,400 3,256,800 11,847,200 13,705 30,309 (2)
Pierce County 34 6,327,900 1,664,900 7,992,800 7,967 19,103 (2)
Pike County 5 1,150,000 360,000 1,510,000 6,828 17,941 (2)
Polk County 182 21,652,100 3,389,200 25,041,300 16,907 41,524 1
Pulaski County 26 3,586,500 618,300 4,204,800 5,138 11,396 1
Putnam County 108 16,986,200 3,539,900 20,526,100 12,720 21,353 1
Quitman County 1 250,000 100,000 350,000 2,001 2,302 (2)
Rabun County 153 33,125,200 7,719,200 40,844,400 12,478 16,281 1
Randolph County 2 432,700 150,000 582,700 4,087 7,193 (2)
Richmond County 1,024 174,952,500 45,531,400 220,483,900 87,612 201,793 1
Rockdale County 129 24,768,300 9,170,000 33,938,300 33,375 88,856 (2)
Screven County 26 3,849,500 1,055,500 4,905,000 6,631 14,162 (2)
Seminole County 161 21,997,900 3,990,400 25,988,300 4,770 8,647 3
Spalding County 118 19,463,700 6,519,600 25,983,300 27,063 64,051 (2)
Stephens County 57 7,368,900 1,862,600 9,231,500 12,489 25,586 (2)
Stewart County 1 125,000 50,000 175,000 2,327 5,851 (2)
Sumter County 145 24,020,100 4,221,600 28,241,700 13,818 30,779 1
Talbot County 7 959,000 290,400 1,249,400 3,359 6,337 (2)
Tattnall County 35 3,912,100 1,038,800 4,950,900 9,837 25,229 (2)
Taylor County 8 1,375,000 550,000 1,925,000 4,491 8,330 (2)
Telfair County 10 1,065,300 164,700 1,230,000 7,189 16,400 (2)
Terrell County 8 1,050,700 324,800 1,375,500 4,147 9,113 (2)
Thomas County 216 38,884,800 11,879,900 50,764,700 20,359 45,063 1
Tift County 226 34,557,400 9,684,800 44,242,200 16,403 40,764 1
Toombs County 56 7,927,400 1,988,900 9,916,300 12,077 27,241 (2)
Towns County 74 13,325,400 3,534,600 16,860,000 7,968 11,182 1
Treutlen County 1 108,000 20,000 128,000 2,974 6,785 (2)
Troup County 139 26,993,700 11,182,400 38,176,100 28,314 69,763 (2)
Turner County 12 1,183,200 163,000 1,346,200 3,857 8,214 (2)
Twiggs County 2 200,000 80,000 280,000 4,173 8,390 (2)
Union County 116 20,835,600 3,447,600 24,283,200 14,315 22,267 1
Upson County 24 3,354,700 1,146,700 4,501,400 12,088 26,368 (2)
Walker County 213 27,047,200 5,565,600 32,612,800 30,097 68,066 1
Walton County 181 33,384,700 10,858,000 44,242,700 32,736 88,399 1
Ware County 172 28,170,400 6,820,500 34,990,900 16,447 35,370 1
Warren County 3 950,000 280,000 1,230,000 2,938 5,460 (2)
Washington County 26 2,230,900 812,300 3,043,200 9,087 20,816 (2)
Wayne County 77 12,590,600 3,625,100 16,215,700 12,097 29,534 1
Wheeler County 10 766,600 57,700 824,300 2,588 7,903 (2)
White County 163 31,816,200 5,550,600 37,366,800 15,986 28,319 1
Whitfield County 186 38,011,000 9,669,600 47,680,600 39,637 104,216 (2)
Wilcox County 6 691,000 132,000 823,000 3,474 8,857 (2)
Wilkes County 2 75,000 50,000 125,000 5,140 9,867 (2)
Wilkinson County 2 253,300 56,700 310,000 4,428 9,155 (2)
Worth County 110 18,197,300 5,013,300 23,210,600 9,170 20,699 1
Total 86,395 17,636,856,700 4,865,735,200 22,502,591,900 4,171,856 10,193,579 2%

(1) As of May, 2017.
(2) Less than 0.5 percent.

Source: U.S. Department of Homeland Security, Federal Emergency Management Agency.

National Flood Insurance Policies in Force in Florida by County, 2017 (1)

County Number
of
policies
in
force		 Building
coverage		 Contents
coverage		 Total
coverage		 Estimated
population
housing
units
2015		 Population
2015		 Percentage
of
properties
insured
Alachua County 2,681 $516,706,500 $147,628,300 $664,334,800 114,596 259,964 2%
Baker County 147 22,599,900 7,065,900 29,665,800 9,623 27,420 2
Bay County 32,997 6,548,160,500 1,227,704,600 7,775,865,100 100,697 181,635 33
Bradford County 443 74,039,000 14,613,100 88,652,100 10,870 26,928 4
Brevard County 48,061 9,766,919,600 2,769,278,200 12,536,197,800 273,096 568,088 18
Broward County 209,133 42,939,894,000 9,163,439,200 52,103,333,200 818,623 1,896,425 26
Calhoun County 106 16,105,600 3,609,700 19,715,300 5,910 14,462 2
Charlotte County 34,110 7,087,650,300 1,443,932,300 8,531,582,600 101,775 173,115 34
Citrus County 5,651 982,519,700 221,839,900 1,204,359,600 77,726 141,058 7
Clay County 5,579 1,171,790,100 408,650,600 1,580,440,700 78,179 203,967 7
Collier County 97,211 20,275,285,300 3,639,306,900 23,914,592,200 206,375 357,305 47
Columbia County 790 131,553,900 36,123,800 167,677,700 28,273 68,348 3
DeSoto County 393 63,656,100 17,472,500 81,128,600 14,788 35,458 3
Dixie County 463 57,454,500 6,911,300 64,365,800 9,130 16,203 5
Duval County 33,072 7,142,747,200 2,358,654,800 9,501,402,000 398,541 913,010 8
Escambia County 19,512 4,069,032,400 1,002,612,600 5,071,645,000 139,055 311,003 14
Flagler County 10,893 2,351,834,100 607,608,500 2,959,442,600 50,044 105,392 22
Franklin County 2,816 614,411,800 123,171,900 737,583,700 8,554 11,761 33
Gadsden County 159 39,286,600 10,658,900 49,945,500 19,383 46,036 1
Gilchrist County 262 35,177,700 5,803,200 40,980,900 7,227 17,199 4
Glades County 266 37,592,900 10,316,100 47,909,000 6,803 13,670 4
Gulf County 1,508 309,467,100 82,893,700 392,360,800 9,245 15,871 16
Hamilton County 63 8,170,300 2,172,900 10,343,200 5,687 14,295 1
Hardee County 96 15,700,700 4,021,400 19,722,100 9,600 27,502 1
Hendry County 1,366 225,634,200 72,201,800 297,836,000 14,339 39,119 10
Hernando County 3,711 677,614,800 205,337,900 882,952,700 84,801 178,439 4
Highlands County 892 159,629,800 47,859,400 207,489,200 54,822 99,491 2
Hillsborough County 62,443 13,126,183,400 3,346,960,700 16,473,144,100 560,454 1,349,050 11
Holmes County 102 13,861,000 4,717,300 18,578,300 8,558 19,324 1
Indian River County 21,335 4,474,747,200 1,175,227,400 5,649,974,600 77,900 147,919 27
Jackson County 123 20,863,100 6,351,400 27,214,500 20,774 48,599 1
Jefferson County 87 13,665,100 4,260,800 17,925,900 6,580 14,081 1
Lafayette County 142 19,031,200 2,281,700 21,312,900 3,297 8,663 4
Lake County 3,653 680,525,500 214,387,500 894,913,000 148,706 325,875 2
Lee County 129,521 26,334,584,300 4,799,022,600 31,133,606,900 379,018 701,982 34
Leon County 3,446 701,513,900 205,030,100 906,544,000 127,601 286,272 3
Levy County 1,056 146,948,000 24,029,900 170,977,900 19,810 39,832 5
Liberty County 21 2,559,900 715,900 3,275,800 3,317 8,331 1
Madison County 91 12,364,100 3,100,200 15,464,300 8,421 18,408 1
Manatee County 37,067 7,500,398,400 1,706,108,800 9,206,507,200 182,119 363,369 20
Marion County 3,909 665,082,900 175,507,200 840,590,100 163,808 343,254 2
Martin County 16,960 3,526,525,800 986,032,400 4,512,558,200 79,239 156,283 21
Miami-Dade County 342,441 66,807,120,600 9,630,605,300 76,437,725,900 1,010,556 2,693,117 34
Monroe County 30,185 6,515,056,700 863,852,400 7,378,909,100 52,985 77,482 57
Nassau County 10,525 2,312,820,700 663,528,000 2,976,348,700 36,450 78,444 29
Okaloosa County 20,401 4,038,668,800 881,742,100 4,920,410,900 95,494 198,664 21
Okeechobee County 1,601 264,681,900 69,951,900 334,633,800 18,155 39,469 9
Orange County 14,057 2,762,723,400 887,409,700 3,650,133,100 516,477 1,288,126 3
Osceola County 8,220 1,584,723,500 437,329,900 2,022,053,400 137,090 323,993 6
Palm Beach County 151,824 31,894,840,500 7,452,952,100 39,347,792,600 679,026 1,422,789 22
Pasco County 24,435 4,413,979,800 1,044,897,600 5,458,877,400 234,450 497,909 10
Pinellas County 127,567 24,833,449,600 3,827,178,600 28,660,628,200 505,353 949,827 25
Polk County 8,361 1,514,528,600 451,527,900 1,966,056,500 284,342 650,092 3
Putnam County 1,322 203,791,300 51,315,700 255,107,000 36,528 72,023 4
Santa Rosa County 13,396 2,932,113,200 981,020,500 3,913,133,700 68,574 167,040 20
Sarasota County 60,883 12,448,583,800 2,781,223,500 15,229,807,300 232,623 405,549 26
Seminole County 6,904 1,438,037,400 453,287,000 1,891,324,400 186,619 449,144 4
St. Johns County 34,700 7,227,788,900 2,030,660,500 9,258,449,400 99,469 226,640 35
St. Lucie County 19,344 3,755,372,000 843,479,600 4,598,851,600 138,071 298,563 14
Sumter County 3,350 614,347,400 231,212,000 845,559,400 66,850 118,891 5
Suwannee County 579 87,901,300 25,021,400 112,922,700 18,801 43,760 3
Taylor County 524 71,827,700 13,517,800 85,345,500 10,852 22,493 5
Union County 56 8,108,300 2,634,400 10,742,700 4,459 15,234 1
Volusia County 45,003 8,553,627,200 1,711,442,200 10,265,069,400 256,967 517,887 18
Wakulla County 1,374 240,856,100 51,420,800 292,276,900 12,892 31,535 11
Walton County 18,185 3,934,510,700 922,062,100 4,856,572,800 48,751 63,508 37
Washington County 115 16,378,700 4,671,000 21,049,700 10,659 24,687 1
Total 1,737,689 $351,055,326,500 $72,608,567,300 $423,663,893,800 9,209,857 20,271,272 19%

(1) As of May, 2017.

Source: U.S. Department of Homeland Security, Federal Emergency Management Agency.

Texas Landfalling Major Hurricanes (Cat. 3 Or Greater) 1851-2016*

Year Month Day Name Landfall
Wind (Kts)		 Landfall
Pressure (mb)		 Saffir-Simpson
Category
1875 9 16 First Indianola 100 955 3
1886 8 20 Indianola 130 925 4
1900 9 9 Galveston 120 936 4
1909 7 21 Velasco 100 959 3
1915 8 17 Galveston 115 940 4
1916 8 18 1916 Texas Hurricane 115 932 4
1919 9 14 Florida Keys 100 950 3
1932 8 14 Freeport 130 935 4
1933 9 5 Cuba-Brownsville 110 940 3
1941 9 23 1941 Texas Hurricane 110 942 3
1942 8 30 Matagorda 100 950 3
1945 8 27 1945 Texas Hurricane 100 963 3
1961 9 11 Carla 125 931 4
1967 9 20 Beulah 110 950 3
1970 8 3 Celia 110 945 3
1980 8 10 Allen 100 945 3
1983 8 18 Alicia 100 962 3
1999 8 23 Bret 100 951 3

*The chart does not include Hurricane Ike in 2008, which was a category 2 storm, nor Tropical Storm Allison in 2001, which caused extreme flooding.

Source: Dr. Phillip Klotzbach, Colorado State University.

Flood insurance penetration rates in select high-risk coastal Texas counties, August 2016

County name Total NFIP
policies		 NFIP policies
in high
risk areas		 Housing
units
in county		 High risk areas
(penetration
rate)		 Coastal high
risk areas
(penetration
rate)		 Riverine high
risk areas
(penetration
rate)		 Overall
county
(penetration
rates)
Aransas 6,433 2,030 15,355 0.88 0.88 – 0.42
Nueces 28,570 9,564 141,033 0.68 0.93 0.12 0.20
Galveston 54,712 22,107 132,492 0.58 0.58 0.54 0.41
Brazoria 31,119 8,257 118,336 0.40 0.57 0.38 0.26
Guadalupe 2,874 1,874 50,015 0.40 – 0.40 0.06
Comal 2,329 730 47,108 0.37 – 0.37 0.05
Cameron 16,396 5,357 141,924 0.33 0.53 0.16 0.12
Llano 1,170 554 14,280 0.33 – 0.33 0.08
Burnet 1,109 578 20,870 0.33 – 0.33 0.05
Orange 8,406 2,104 35,313 0.32 0.36 0.22 0.24
Hardin 1,905 428 22,597 0.30 – 0.30 0.08
Harris 240,350 56,485 1,598,698 0.28 0.64 0.27 0.15
Jefferson 19,019 2,261 104,424 0.28 0.28 0.28 0.18
Calhoun 2,420 434 11,410 0.28 0.28 – 0.21
Chambers 2,855 149 13,291 0.26 0.31 0.17 0.21

Source: National Flood Insurance Program, Insurance Information Institute.

Top 10 Sports By Number of Injuries For Children Through the Age of 14, 2015

    Number of injuries (1) by age
Rank Sport or activity Younger than 5 5 to 14 Total to age 14
1 Football 990 204,795 205,785
2 Basketball 1,736 172,998 174,734
3 Bicycle riding 20,085 147,916 168,001
4 Soccer 2,064 104,167 106,231
5 Swimming (2) 18,089 79,312 97,401
6 Trampolines 16,636 68,323 84,959
7 Baseball 3,248 61,215 64,463
8 Exercise (3) 5,696 36,947 42,643
9 Skateboarding 1,150 40,488 41,638
10 Softball 203 31,311 31,514

(1) Treated in hospital emergency departments. Excludes skiing.
(2) Includes injuries associated with swimming, swimming pools, pool slides, diving or diving boards and swimming pool equipment.
(3) Includes exercise equipment and exercise activity.

Source: National Safety Council. (2017). Injury Facts®, 2017 Edition. Itasca, IL.

Restraint Use Among Fatally Injured Children In Passenger Vehicles By Age, 2015

    Under 1 year 1 to 3 4 to 8 9 to 12 Total
Unrestrained Number 9 44 88 74 215
  Percent 18% 26% 35% 39% 32%
Safety belt Number 2 11 72 95 180
  Percent 4% 6% 28% 50% 27%
Child safety seat Number 32 100 69 2 203
  Percent 65% 58% 27% 1% 31%
Total restrained Number 34 111 141 97 383
  Percent 69% 65% 56% 51% 58%
Unknown Number 6 16 24 19 65
  Percent 12% 9% 9% 10% 10%
Total Number 49 171 253 190 663
  Percent 100% 100% 100% 100% 100%

Source: Insurance Institute for Highway Safety.

Restraint Use Among Fatally Injured Children In Passenger Vehicles By Age, 2017

    Under 1 year 1 to 3 4 to 8 9 to 12 Total
Unrestrained Number 18 32 79 89 218
  Percent 23% 19% 32% 49% 32%
Safety belt Number 1 11 63 73 244
  Percent 1% 6% 25% 40% 36%
Child safety seat Number 52 116 75 1 244
  Percent 68% 68% 30% 1% 36%
Total restrained Number 53 127 138 74 392
  Percent 69% 75% 56% 41% 58%
Unknown Number 6 11 31 19 67
  Percent 8% 6% 12% 10% 10%
Total Number 77 170 248 182 677
  Percent 100% 100% 100% 100% 100%

Source: Insurance Institute for Highway Safety.

Passenger Vehicle Occupant Deaths And Rate Per Million Children Through Age 12, 1975-2015

  Less than one year One to three years Four to eight years Nine to 12 years
Year Population Deaths Rate Population Deaths Rate Population Deaths Rate Population Deaths Rate
1975 3,152,345 190 60.3 9,333,943 395 42.3 17,579,867 451 25.7 15,785,149 348 22.00
1985 3,678,657 130 35.3 10,594,540 326 30.8 17,015,987 385 22.6 12,970,952 290 22.40
1995 3,813,169 153 40.1 11,668,778 346 29.7 19,309,487 484 25.1 15,129,050 356 23.50
2005 4,106,627 119 29.0 12,135,517 247 20.4 19,614,024 417 21.3 16,293,227 294 18.00
2006 4,130,153 115 27.8 12,265,881 247 20.1 19,809,458 375 18.9 16,101,416 276 17.10
2007 4,257,020 96 22.6 12,403,983 225 18.1 20,011,375 335 16.7 15,913,431 249 15.60
2008 4,313,132 78 18.1 12,568,765 163 13.0 20,289,522 269 13.3 15,758,360 189 12.00
2009 4,261,494 69 16.2 12,857,476 180 14.0 20,780,673 288 13.9 15,853,769 219 13.80
2010 3,944,153 59 15.0 12,194,039 178 14.6 20,263,474 256 12.6 16,541,552 160 9.70
2011 3,996,537 59 14.8 12,043,067 157 13.0 20,421,665 252 12.3 16,488,839 188 11.40
2012 3,943,077 54 13.7 11,943,920 191 16.0 20,523,946 237 11.5 16,461,629 159 9.70
2013 3,941,783 49 12.4 11,934,615 162 13.6 20,458,936 250 12.2 16,388,386 179 10.90
2014 3,948,350 47 11.9 11,925,085 135 11.3 20,416,182 249 12.2 16,376,512 173 10.60
2015 3,978,038 49 12.3 11,909,208 171 14.4 20,373,647 253 12.4 16,486,202 190 11.50

Source: Insurance Institute for Highway Safety.

Children Killed Or Injured in Vehicle Crashes By Age, 2015

Age group Killed Injured Total killed or injured
Under 5 years 373 49,000 49,000
5 to 9 353 61,000 61,000
10 to 15 603 88,000 89,000
16 to 20 3,114 297,000 300,000
All ages 35,092 2,443,000 2,478,000

Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.

Top Five Causes of Children’s Unintentional Injury Deaths by Age, 2015

Age group Rank Cause Number Percent of total deaths
Under 1 year        
  1 Suffocation 1,125 87.1%
  2 Motor vehicle crashes 64 5.0
  3 Drowning 30 2.3
  4 Fire/burn 22 1.7
  5 Natural/environment 12 0.9
1 to 4        
  1 Drowning 390 31.6
  2 Motor vehicle crashes 332 26.9
  3 Suffocation 131 10.6
  4 Fire/burn 100 8.1
  5 Pedestrian 75 6.1
5 to 9        
  1 Motor vehicle crashes 351 46.5
  2 Drowning 129 17.1
  3 Fire/burn 72 9.5
  4 Other land transportation 32 4.2
  5 Suffocation 31 4.1
10 to 14        
  1 Motor vehicle crashes 412 54.0
  2 Drowning 87 11.4
  3 Other land transportation 51 6.7
  4 Fire/burn 41 5.4
  5 Poisoning 36 4.7

Source: National Center for Health Statistics, Centers for Disease Control and Prevention.

Individual Annuity Considerations, 2011-2015 (1)

($ billions)
      Total
Year Variable Fixed Amount Percent change
from prior year
2011 $157.9 $80.5 $238.4 7.2%
2012 147.4 72.3 219.7 -7.8
2013 145.4 84.4 229.8 4.6
2014 140.1 96.9 237.0 3.1
2015 133.0 103.7 236.7 -0.1

(1) Based on LIMRA’s estimates of the total annuity sales market. Includes some considerations (i.e., premiums) that though bought in group settings involve individual buying decisions.

Source: LIMRA.

Top 10 Most Wildfire Prone States, 2015

    By households     By percent of
households		   By insured
wildfire loss
Rank State Households at
high or extreme
risk from wildfires (1)		 Rank State Percent of
households at
high or extreme
risk from wildfires		 Rank State Largest
insured
wildfire
loss (year)
1 California (2) 2,054,400 1 Montana 27.0% 1 California $1.7 billion (1991)
2 Texas 706,200 2 Idaho 24.5 2 Texas $530 million (2011)
3  Colorado 363,900 3 Colorado 16.4 3 Colorado $450 million (2012)
4 Arizona 227,100 4 California (2) 15.0 4 New Mexico $140 million (2000)
5 Idaho 163,500 5 New Mexico 13.9 5 Arizona $120 million (2002)
6 Washington 157,900 6 Wyoming 13.4 6 Idaho NA
7 Oregon 153,400 7 Utah 13.2 7 Nevada NA
8 Oklahoma 148,800 8 Oregon 9.2 8 Oregon NA
9 Montana 130,200 9 Oklahoma 8.9 9 Utah NA
10 Utah 128,800 10 Arizona 8.0 10 Washington NA

(1) Number of households is based on data from the 2010 U.S. Census.
(2) Data for 2016.

NA=Data not available.

Source: Verisk Insurance Solutions – Underwriting and Verisk Climate units of Verisk Analytics®.

First Quarter 2017 Financial Results*

($ billions)
Net Earned Premiums $390.7
Incurred Losses (Including loss adjustment expenses) 279.9
Expenses 111.2
Policyholder Dividends 1.3
Net Underwriting Gain (Loss) -1.7
Investment Income 33.0
Other Items 0.03
Pre-Tax Operating Gain 32.5
Realized Capital Gains (Losses) 5.6
Pre-Tax Income 52.0
Taxes 6.3
Net After-Tax Income $31.8
Surplus (End of Period) $688.3
Combined Ratio** 99.5

*Figures may not add to totals due to rounding. Calculations in text based on unrounded figures.
**Includes mortgage and financial guaranty insurers.

Homeowners Insurance Claims And Payout For Lightning Losses, 2016-2018

  Number of
claims		 Average cost
per claim		 Value of claims
($ millions)
2016 89,055 $9,628 $857
2017 85,020 10,781 916.6
2018 77,898 11,668 908.9
Percent change      
2017-2018 -8.4% 8.2% -0.8%
2016-2018 -12.5 21.2 6.0

Source: Insurance Information Institute.

Top 10 Writers of Directors and Officers Insurance by Direct Premiums Written, 2016

($000)
Rank Group/company Direct premiums written (1) Market share (2)
1 American International Group (AIG) $1,009,807 15.7%
2 Chubb Ltd.  825,669 12.8
3 XL Group Ltd. 734,363 11.4
4 Tokio Marine Group  552,961 8.6
5 CNA Financial Corp.  407,310 6.3
6 Travelers Companies Inc.  305,899 4.8
7 American Financial Group Inc. 237,584 3.7
8 Liberty MHC Inc. 188,165 2.9
9 Berkshire Hathaway Inc.  177,635 2.8
10 Alleghany Corp.  159,557 2.5

(1) Before reinsurance transactions, includes state funds. Includes monoline policies only. Does not include directors and officers insurance included in package policies.
(2) Based on U.S. total.

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

Homeowners Insurance Claims And Payout for Lightning Losses, 2007-2016

Year Value of Claims  ($ millions) Number of Claims Average Cost Per Claim
2007 $942.4         177,100 $5,321.0
2008                  1,065.5         246,200                                 4,329.0
2009                     798.2         185,789                                 4,296.0
2010                  1,033.5         213,278                                 4,846.0
2011                     952.5         186,307                                 5,112.0
2012                     969.0         151,000                                 6,400.0
2013                     673.5         114,740                                 5,869.0
2014                     739.0           99,871                                 7,400.0
2015                     790.1           99,423                                 7,947.0
2016                     825.7        109,049                                7,571.9
Percent change, 2015-2016 4.5% 9.7% -4.7%
Percent change, 2007-2016 -12.4% -38.4% 42.3%

Source: Insurance Information Institute, State Farm®.

Top 10 States By Number of Lightning Claims, 2016

Rank State Number of claims Average cost per claim Value of claims ($ millions)
1 FL            10,385 $6,526 $67.8
2 TX               9,098                    9,580                       87.2
3 GA               8,037                    8,250                       66.3
4 LA               5,956                    5,291                       31.5
5 NC               5,889                    7,162                       42.2
6 CA               4,764                    9,951                       47.4
7 AL               4,294                    6,604                       28.4
8 IL               3,870                    7,424                       28.7
9 AR               3,422                    5,882                       20.1
10 VA               3,331                    8,036                       26.8
  Top 10            59,046 $7,559 $446.3
  Other            50,003                    8,313                     415.7
  Total U.S.          109,049 $7,905 $862.0

Source: Insurance Information Institute, State Farm®.

Top 10 Writers Of Private Flood Insurance By Direct Premiums Written, 2024 (1)

($000)
Rank Group/company Direct premiums written (1) Market share (2)
1 AXA $159,792 13.0%
2 Assurant Inc. 141,687 11.5
3 MS&AD Insurance 132,085 10.7
4 Berkshire Hathaway Inc. 132,035 10.7
5 Liberty Mutual 92,687 7.5
6 Swiss Re Ltd. 77,548 6.3
7 American International Group (AIG) 72,418 5.9
8 Allstate Corp. 66,688 5.4
9 Sompo 59,687 4.8
10 Chubb Ltd. 54,152 4.4

(1) Private flood includes both commercial and private residential coverage, primarily first-dollar standalone policies that cover the flood peril and excess flood. Excludes sewer/water backup and the crop flood peril.
(2) Before reinsurance transactions.
(3) Based on U.S. total, excluding territories

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

Top 10 Writers of Cybersecurity Insurance by Direct Premiums Written, 2024 (1)

($000)
Rank Group/company Direct premium written (2) As a percent of total
direct premiums written
1 Chubb Ltd. $560,634 7.9%
2 Travelers Companies Inc. 535,427 7.6
3 Fairfax Financial Holdings 360,581 5.1
4 Tokio Marine 355,983 5.0
5 AXA 340,448 4.8
6 Arch Capital 285,033 4.0
7 At-Bay Specialty Insurance Co. 280,602 4.0
8 American International Group (AIG) 276,564 3.9
9 Sompo 262,732 3.7
10 Starr International Co. 255,087 3.6

(1) Includes stand-alone policies and the cybersecurity portion of package policies. Does not include premiums from companies that cannot report premiums for cybersecurity coverage provided as part of package policies.
(2) Before reinsurance transactions.

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

Top 10 Writers Of Identity Theft Insurance By Direct Premiums Written, 2023 (1)

($000)
Rank Group/company Direct premiums written (2) As a percent
of total direct
premiums written
1 State Farm $36,014 14.9%
2 Nationwide Mutual Group 29,535 12.2
3 Travelers Companies Inc. 23,104 9.6
4 Hanover 15,598 6.5
5 Liberty Mutual 12,767 5.3
6 American Family Insurance Group 11,627 4.8
7 Erie Insurance 10,956 4.5
8 Farmers Insurance Group of Companies 10,672 4.4
9 Allstate Corp. 9,420 3.9
10 Munich Re 8,244 3.4

(1) Includes stand-alone policies and the cybersecurity portion of package policies. Does not include premiums from companies that cannot report premiums for cybersecurity coverage provided as part of package policies.
(2) Before reinsurance transactions

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

FULL-YEAR 2016 FINANCIAL RESULTS*

  $ Billions Percent change from 2015
Net Earned Premiums $523.5 3.5%
Incurred Losses (Including loss adjustment expenses) 378.3 8.0%
Expenses 140.5 -14.7%
Policyholder Dividends 2.3 -8.5%
Net Underwriting Gain (Loss) -4.7 -153.1%
Investment Income 46.3 -1.9%
Other Items 1.0 -29.9%
Pre-Tax Operating Income 42.6 -26.1%
Realized Capital Gains (Losses) 7.3 -22.0%
Pre-Tax Income 49.9 -25.5%
Taxes 7.3 -28.3%
Net After-Tax Income $42.6 -25.0%
Surplus (End of Period) $700.9 4.0%
Combined Ratio 100.7 -3.0%

*Figures may not add to totals due to rounding. Calculations in text based on unrounded figures.

Número estimado y costo de reclamaciones de responsabilidad civil al seguro de propietarios de viviendas por mordidas de perros (y otras lesiones relacionadas*) entre 2003 y 2016

Año Monto total en reclamaciones pagadas (En millones de $) Número de Reclamaciones Costo promedio por reclamación ($)
2003 $324.2 16,919 $19,162
2005 321.1 14,295 22,464
2006 322.4 14,661 21,987
2007 356.2 14,531 24,511
2008 387.0 15,823 24,461
2009 412.0 16,586 24,840
2010 412.6 15,770 26,166
2011 490.8 16,695 29,396
2012 489.7 16,459 29,752
2013 483.7 17,359 27,862
2014 530.8 16,550 32,072
2015 571.3 15,352 37,214
2016 602.2 18,123 33,230
Cambio (en %) de 2015 a 2016 5.4% 18.0% -10.7%
Cambio (en %) de 2003 a 2016 85.8% 7.10% 73.4%

*Las pérdidas también incluyen otras lesiones causadas por encuentros con perros tales como fracturas, golpes y otras lesiones similares.

Fuente: Insurance Information Institute; State Farm® 

 

Número estimado y costo de reclamaciones de responsabilidad civil al seguro de propietarios de viviendas por mordidas de perros (y otras lesiones relacionadas*) por estado, en 2016

Posición Estado Número de reclamaciones Costo promedio por reclamación Monto total en reclamaciones pagadas (En millones de $)
1 CA 1,934 $39,452 $76.3
2 FL 1,325 37,339 49.5
3 NY 1,042 55,671 58.0
4 PA 988 24,949 24.6
5 TX 924 21,760 20.1
6 IL 910 42,837 39.0
7 OH 850 34,265 29.1
8 MI 782 27,877 21.8
9 NJ 537 53,685 28.8
10 GA 462 29,351 13.6
  Los 10 primeros estados 9,754 36,994 360.8
  Los otros estados 8,369 30,066 251.6
  Todos los Estados Unidos 18,123 $33,795 $612.50

*Las pérdidas también incluyen otras lesiones causadas por encuentros con perros tales como fracturas, golpes y otras lesiones similares.

Fuente: Insurance Information Institute; State Farm® 

 

Natural Catastrophe Losses In The United States, 2017 (1)

($ billions)
Event  Number of events (2) Fatalities Overall losses Insured losses (3) 
Severe thunderstorm 50 85 $25.4 $18.2
Winter storms and cold waves 13 24 2.2 1.2
Flood, flash flood 12 14 0.4 0.1
Earthquake and geophysical 2 1 minor minor
Tropical cyclone 5 170 123.0 49.1
Wildfire, heat waves and drought 21 62 14.3 9.5
Total 103 356 $165.3 $78.0

(1) As of January 2018.
(2) Events that have caused at least one fatality or losses of $3 million or more.
(3) Based on property losses including, if applicable, agricultural, offshore, marine, aviation and National Flood Insurance Program losses and may differ from data shown elsewhere.

Source: Property Claim Services®,  a unit of ISO®, a Verisk Analytics® business, © 2018 Munich Re, NatCatSERVICE.

Employed Persons By Occupation, Sex, Race, And Hispanic Or Latino Ethnicity, 2025

    Percent of total employed
Occupation Total employed
(in thousands)		 Women Black or African
American		 Asian Hispanic
or Latino
Total, 16 years and over 163,493 47.1% 12.7% 7.5% 20.0%
Business and financial operations occupations 10,173 53.2 11.1 9.4 12.4
Insurance sales agents 618 52.4 10.1 6.2 17.2
Claims adjusters, appraisers, examiners, and investigators 389 58.2 21.8 6.5 11.7
Insurance claims and policy processing clerks 274 79.4 26.9 1.2 17.7
Insurance underwriters 142 59.3 7.7 3.2 11.4
Actuaries 32 NA NA NA NA

NA=Data not available.

Source: U.S. Bureau of Labor Statistics, Current Population Survey, https://www.bls.gov/cps/cpsaat11.htm.

Data Breaches and Records Exposed By Industry, 2019

Category Number of
breaches		 Percent of total Category Number of sensitive
records exposed
(000)		 Percent of total
Business 644 43.7% Banking/credit/financial 100,621,770 61.1%
Medical/healthcare 525 35.6 Medical/healthcare 39,378,157 23.9
Educational 113 7.7 Business 18,824,975 11.4
Banking/credit/financial 108 7.3 Government/military 3,606,114 2.2
Government/military 83 5.6 Educational 2,252,439 1.4
Total 1,473 100.0% Total 164,683,455 100.0%

Source: Identity Theft Resource Center, 2019 End of Year Data Breach Report.

ATV-Related Deaths And Injuries, 2010-2014 (1)

  Estimated number of deaths Estimated number of injuries (2)
    Younger than 16   Younger than 16
Year Total Number Percent of total Total  Number Percent of total
2010 654 90 14% 115,000 28,300 25%
2011 626 81 13 107,500 29,000 27
2012 574 67 12 107,900 26,500 25
2013 547 69 13 99,600 25,000 25
2014 385 61 16 93,700 24,800 26

(1) ATVs with 3, 4 or unknown number of wheels designed for off-road use.
(2) Emergency room-treated.

Source: U.S. Consumer Product Safety Commission.

Top 10 Most Expensive And Least Expensive States For Homeowners Insurance Premiums, 2022 (1)

Rank (2) Most expensive states Average premium (3) Rank (2) Least expensive states Average premium (3)
1 Florida $2,677 1 Oregon $893
2 Louisiana 2,603 2 Utah 937
3 Texas (4) 2,397 3 Nevada 948
4 Oklahoma 2,268 4 Wisconsin 957
5 Colorado 2,079 5 Ohio 995
6 Rhode Island 2,074 6 Idaho 1,002
7 Mississippi 1,907 7 Arizona 1,018
8 Massachusetts 1,871 8 Michigan 1,056
9 Nebraska 1,869 9 Maine 1,077
10 Connecticut 1,814 10 Delaware 1,103

(1) Includes state funds, residual markets and some wind pools.
(2) Based on the HO-3 homeowner package policy for owner-occupied dwellings, 1 to 4 family units. Provides all risks coverage (except those specifically excluded in the policy) on buildings and broad named-peril coverage on personal property, and is the most common package written.
(3) Ranked from highest to lowest. States with the same premium receive the same rank.
(4) Texas data were obtained from the Texas Department of Insurance.

Note: Average premium=Premiums/exposure per house years. A house year is equal to 365 days of insured coverage for a single dwelling. The NAIC does not rank state average premiums and does not endorse any conclusions drawn from this data.

Source: National Association of Insurance Commissioners (NAIC). Further reprint or distribution strictly prohibited without written permission of NAIC.

First Nine Months 2016 Financial Results*

($ billions)
Net Earned Premiums $390.7
Incurred Losses (Including loss adjustment expenses, net of reserve releases) 279.9
Expenses 111.2
Policyholder Dividends 1.3
Net Underwriting Gain (Loss) -1.7
Investment Income 33.0
Other Items 0.03
Pre-Tax Operating Gain 32.5
Realized Capital Gains (Losses) 5.6
Pre-Tax Income 52.0
Taxes 6.3
Net After-Tax Income $31.8
Surplus (End of Period) $688.3
Combined Ratio 99.5

*Figures may not add to totals due to rounding. Calculations in text based on unrounded figures.

Leading Nonlife Insurance Companies, 2014

  Gross written premiums
Company RUB Mn USD Mn
Tawuniya  6,207.6 1,655.4
Bupa Arabia for Cooperative Insurance  5,740.5 1,530.8
The Mediterranean and Gulf Insurance and Reinsurance Co. 4,416.0 1,177.6
Malath Cooperative Insurance and Reinsurance Co. 1,412.8 376.8
United Cooperative Assurance Co  1,165.2 310.7
AXA Cooperative Insurance Company  1,040.1 277.4
Al Rajhi Company for Cooperative Insurance  944.9 252.0
Trade Union Cooperative Insurance Company  808.5 215.6
Saudi Arabian Cooperative Insurance Company  803.7 214.3
Allianz Saudi Fransi Cooperative Insurance Company  725.1 193.4

Source: Axco Insurance Information Services.

Leading Insurance Companies, 2014

  Gross written premiums
Company IRR Mn  USD Mn  
Bimeh Iran  4,543,950.7 175.2
Bimeh Karafarin  2,697,425.3 104.0
Bimeh Ma  2,077,365.7 80.1
Bimeh Pasargad  1,907,070.2 73.5
Bimeh Dana  1,868,451.4 72.0
Bimeh Parsian  1,303,461.4 50.3
Bimeh Asia  1,284,074.8 49.5
Bimeh Saman  1,088,816.4 42.0
Bimeh Kosar  987,035.8 38.1
Bimeh Sina  805,547.8 31.1

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2014

  Gross written premiums
Company GTQ Mn USD Mn
Rural  223.6 28.9
Roble  212.0 27.4
G&T  157.7 20.4
Pan-American  100.2 13.0
Columna  84.7 11.0
General  69.5 9.0
Occidente   65.6 8.5
Trabajadores 65.3 8.4
CHN  55.0 7.1
MAPFRE  52.6 6.8

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2015

  Gross written premiums
Company USD Mn
SISA VIDA, Seguros de Personas  75.7
Asesuisa Vida  56.2
AIG Vida, Seguros de Personas  27.8
Pan American Life Insurance  14.6
Davivienda Seguros Comerciales Bolivar  14.4
MAPFRE La Centro Americana  7.6
La Cenral de Seguros y Finazas  6.2
Seguros Vida Fedecredito, S.A.  6.0
Asoc Coop de Servicios de Seguros Futuro  5.6
Aseguradora Agricola  5.1

Source: Axco Insurance Information Services.

LEADING LIFE INSURANCE COMPANIES, 2015

  Gross written premiums
Company HRK Mn USD Mn
Allianz Zagreb  535.7 78.1
Croatia  513.5 74.9
Uniqa  350.1 51.0
Wiener Vienna Insurance Group  265.6 38.7
Grawe Hrvatska  254.9 37.2
Merkur  252.8 36.9
Generali  213.0 31.1
Agram Life Insurance  210.6 30.7
Erste VIG  171.4 25.0
Triglav  59.0 8.6

Source: Axco Insurance Information Services.

Top 10 States By Highest Hail Claim Frequency, 2008-2014

Rank State Hail claim frequency
1 South Dakota 26.5
2 Nebraska 19.1
3 Oklahoma 18.4
4 Kansas 16.5
5 Wyoming 15.2
6 Montana 11.8
7 Colorado 10.0
8 Missouri 9.3
9 Iowa 7.6
10 Texas 6.7

Source: Highway Loss Data Institute.

Top Five Catastrophes of 2016 By Insured Catastrophe Losses (1)

($ millions)
Rank Date States Event Estimated insured loss
1 Apr. 10 – 15 FL, TX Wind and thunderstorm $2,995.1
2 Mar. 23 TX Wind and thunderstorm 1,688.5
3 Apr. 29 – May 3 AR, GA, IL, IN, MD, MO, NC, OK, TX, VA, WV Wind and thunderstorm 1,187.0
4 Aug. 11 – 15 LA, MS Wind and thunderstorm 1,058.9
5 Mar. 17 – 18 AL, AR, FL, LA, MS, TX Wind and thunderstorm 920.1

(1) Includes catastrophes causing insured property losses of at least $25 million in 1997 dollars and affecting a significant number of policyholders and insurers. Does not include losses covered by the federally administered National Flood Insurance Program. As of October 20 excluding Hurricane Matthew.

Source: Property Claim Services®, a unit of ISO®, a Verisk Analytics® business.

Post-Reform Act Class Action Filings of Securities Lawsuits by Industry, 1997-2024 (1)

Industry Average
1997-2023		 2023 2024
Core filings (2) 193 209 220
Consumer                                     75 84 102
Technology 24 28 37
Communications 27 20 20
Financial 30 27 19
Energy 7 7 14
Other (3) 5 16 13
Industrial 17 21 11
Basic materials 5 4 4
Utilities 3 2 0
Merger and acquisition filings 34 6 5
Total 227 215 225

(1) Private Securities Litigation Reform Act of 1995. Includes federal and state filings
(2) Core filings exclude merger and acquistion filings. Core filings by category do not include state filings.
(3) Includes state filings and miscellaneous filings.

Source: Cornerstone Research, Securities Class Actions Filings-2024 Year in Review. ©2025 by Cornerstone Research, Inc.

Homeowners Who Have Flood Insurance, 2014-2020 (1)

  2014 2015 2016 2018 2020
By region          
     South 20% 21% 14% 16% 30%
     Northeast  11 11 13 18 32
     Midwest 7 10 8 11 24
     West 8 9 10 7 20
Total United States 14% 14% 12% 13% 27%

(1) Asked of homeowners who have homeowners insurance. Question was not asked in 2017 and 2019. In 2014 to 2016, the surveys were conducted via telephone. In 2018 and 2020, the surveys were conducted online.

Source: Triple-I Pulse surveys, 2014 to 2018 and the 2020 Triple-I Consumer Poll.

First Half 2016 Financial Results*

($ billions)
Net Earned Premiums $257.07
Incurred Losses (Including loss adjustment expenses) 183.7
Expenses 73.8
Policyholder Dividends 1.0
Net Underwriting Gain (Loss) -1.5
Investment Income 22.1
Other Items 2.2
Pre-Tax Operating Gain 21.4
Realized Capital Gains (Losses) 4.4
Pre-Tax Income 25.8
Taxes 4.1
Net After-Tax Income $21.69
Surplus (End of Period) $680.64
Combined Ratio 99.8**

*Figures may not add to totals due to rounding. Calculations in text based on unrounded figures.
**Includes mortgage and financial guaranty insurers.

Top 10 Worst Non-Tropical-Storm Related Floods By Number of Claims

      When event occurred In 2016 dollars
Event Year Number of paid losses Amount paid ($) Average paid loss Amount paid ($) Average paid loss
Louisiana flood May-95 31,343 $585,071,593 $18,667 $923,869,402 $29,476
Nor'easter Dec-92 25,142 346,150,356 13,768 593,736,124 23,615
Louisiana flood Aug-16 22,000 500,000,000 24,000 500,000,000 24,000
Louisiana flood Apr-80 12,831 86,279,354 6,724 251,965,683 19,637
Northeast flood Jan-96 12,523 186,623,944 14,902 286,226,940 22,856
Louisiana flood Apr-83 11,581 104,833,841 9,052 253,286,314 21,871
Midwest flood Jun-93 10,472 272,819,515 26,052 454,342,486 43,386
2010 Nor’easter Mar-10 10,094 194,837,326 19,302 215,019,562 21,302
March storm Mar-93 9,840 212,596,101 21,605 354,047,825 35,980
Halloween Oct-91 9,541 143,158,312 15,005 252,949,179 26,512

Souce: National Flood Insurance Program, Bureau of Labor Statistics, Insurance Information Institute.

PROPERTY/CASUALTY INSURANCE INDUSTRY UNDERWRITING EXPENSES, 2014 (1)

Expense Percent of premiums
LOSSES AND RELATED EXPENSES (2)  
Loss and loss adjustment expense (LAE) ratio 69.0%
     Incurred losses 57.2
     Defense and cost containment expenses incurred 4.4
     Adjusting and other expenses incurred 7.4
UNDERWRITING EXPENSES (3)  
Expense ratio 27.7%
     Net commissions and brokerage expenses incurred 10.7
     Taxes, licenses and fees 2.5
     Other acquisition and field supervision expenses incurred 7.6
     General expenses incurred 6.9
DIVIDENDS TO POLICYHOLDERS (2) 0.6%
COMBINED RATIO AFTER DIVIDENDS (4) 97.2%

(1) After reinsurance transactions.
(2) As a percent of net premiums earned ($493.3 billion in 2014).
(3) As a percent of net premium written ($502.6 billion in 2014).
(4) Sum of loss and LAE, expense and dividends ratios.

Source: SNL Financial LC.

First Quarter 2016 Financial Results*

($ billions)
Net Earned Premiums $126.4
Incurred Losses (Including loss adjustment expenses) 87.1
Expenses 36.4
Policyholder Dividends 0.8
Net Underwriting Gain (Loss) 2.2
Investment Income 10.9
Other Items 0.4
Pre-Tax Operating Gain 13.5
Realized Capital Gains (Losses) 2.2
Pre-Tax Income 15.8
Taxes 2.5
Net After-Tax Income $13.3
Surplus (End of Period) $676.3
Combined Ratio 97.5

*Figures may not add to totals due to rounding. Calculations in text based on unrounded figures.
**Includes mortgage and financial guaranty insurers.

Top 10 Countries By Total Insurance Premiums Per Capita And Percent Of Gross Domestic Product (GDP), 2021 (1)

Rank Country Total premiums
per capita		 Rank Country Total premiums as
a percent of GDP
1 Cayman Islands (2) $19,177 1 Laos (2) 113%
2 Hong Kong 9,556 2 Cayman Islands 21.0
3 Denmark (2) 8,846 3 Hong Kong (2) 19.6
4 United States (2), (4) 8,193 4 Taiwan 14.8
5 Macao (2) 6,892 5 South Africa (2) 12.2
6 Singapore (2), (3) 6,742 6 United States (2), (4) 11.7
7 Switzerland (2) 6,610 7 Denmark (2) 11.4
8 Ireland (3) 6,063 8 United Kingdom (2), (3) 11.1
9 Finland 5,600 9 South Korea (2), (5) 10.9
10 Luxembourg (2), (3) 5,585 10 Finland 10.3
  Total world $874   Total world 7.0%

(1) Includes nonlife and life insurance and cross-border business.
(2) April 1, 2021 to March 31, 2022.

Source: Swiss Re, sigma, No. 4/2022.

Total Traffic Fatalities And Pedalcyclist Traffic Fatalities And Fatality Rates By City, 2023 (1)

      Pedalcyclists Fatality rate per 100,000 population 
City (2) Resident
population		 Total traffic
fatalities		 Fatalities As a percent
of total
traffic fatalities		 Total Pedalcyclist Pedalcyclist
rank (3)
New York, NY 8,258,035 204 22 10.8% 2.47 0.27 23
Los Angeles, CA 3,820,914 329 10 3.0 8.61 0.26 24
Chicago, IL 2,664,452 167 7 4.2 6.27 0.26 24
Houston, TX 2,314,157 296 16 5.4 12.79 0.69 4
Phoenix, AZ 1,650,070 308 7 2.3 18.67 0.42 16
Philadelphia, PA 1,550,542 135 9 6.7 8.71 0.58 9
San Antonio, TX 1,495,295 178 8 4.5 11.90 0.54 10
San Diego, CA 1,388,320 94 2 2.1 6.77 0.14 33
Dallas, TX 1,302,868 207 5 2.4 15.89 0.38 17
Jacksonville, FL 985,843 164 6 3.7 16.64 0.61 7
Austin, TX 979,882 94 5 5.3 9.59 0.51 13
Fort Worth, TX 978,468 118 0 (4) 12.06 (5) 37
San Jose, CA 969,655 61 2 3.3 6.29 0.21 26
Columbus, OH 913,175 98 3 3.1 10.73 0.33 18
Charlotte, NC 911,311 89 1 1.1 9.77 0.11 36
Indianapolis, IN 879,293 120 6 5.0 13.65 0.68 5
San Francisco, CA 808,988 34 1 2.9 4.20 0.12 35
Seattle, WA 755,078 35 1 2.9 4.64 0.13 34
Denver, CO 716,577 76 2 2.6 10.61 0.28 21
Oklahoma City, OK 702,767 101 2 2.0 14.37 0.28 21
Nashville, TN 687,788 110 1 0.9 15.99 0.15 30
Washington, DC 678,972 44 3 6.8 6.48 0.44 15
El Paso, TX 678,958 84 0 (4) 12.37 (5) 37
Las Vegas, NV 660,929 42 1 2.4 6.35 0.15 30
Boston, MA 653,833 18 1 5.6 2.75 0.15 30
Detroit, MI 633,218 131 3 2.3 20.69 0.47 14
Portland, OR 630,498 69 2 2.9 10.94 0.32 19
Louisville, KY 622,981 118 4 3.4 18.94 0.64 6
Memphis, TN 618,639 244 2 0.8 39.44 0.32 19
Baltimore, MD 565,239 46 1 2.2 8.14 0.18 28
Milwaukee, WI 561,385 79 3 3.8 14.07 0.53 12
Albuquerque, NM 560,274 109 3 2.8 19.45 0.54 10
Tucson, AZ 547,239 147 8 5.4 26.86 1.46 2
Fresno, CA 545,716 52 1 1.9 9.53 0.18 28
Sacramento, CA 526,384 69 8 11.6 13.11 1.52 1
Mesa, AZ 511,648 69 7 10.1 13.49 1.37 3
Atlanta, GA 510,823 84 1 1.2 16.44 0.20 27
Kansas City, MO 510,704 98 3 3.1 19.19 0.59 8

(1) Ranked by city population. Pedalcyclists are defined by the National Highway Safety Administration as bicyclists and other cyclists including riders of two-wheeled, nonmotorized vehicles, tricycles and unicycles. Starting in 2022, pedalcyclists include people on motorized bicycles.
(2) Population of 500,000 or more.
(3) Cities with the same pedalcyclist fatality rate per million population receive the same rank.
(4) Less than 0.01 percent.
(5) Less than 0.01 per 100,000 population.

Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.

Motor Vehicle Traffic Crash Fatalities, Pedalcyclist Fatalities, And Fatality Rates By State, 2023 (1)

    Pedalcyclists
State Resident population
(000)		 Total traffic
fatalities		 Fatalities Percent of total
traffic fatalities		 Fatalities
100,000 population
Alabama 5,108 974 10 1.0% 0.20
Alaska 733 60 0 (2) (3)
Arizona 7,431 1,304 43 3.3 0.58
Arkansas 3,068 596 11 1.8 0.36
California 38,965 4,061 145 3.6 0.37
Colorado 5,878 720 20 2.8 0.34
Connecticut 3,617 308 4 1.3 0.11
Delaware 1,032 135 5 3.7 0.48
District of Columbia 679 44 3 6.8 0.44
Florida 22,611 3,396 234 6.9 1.03
Georgia 11,029 1,615 24 1.5 0.22
Hawaii 1,435 93 8 8.6 0.56
Idaho 1,965 275 7 2.5 0.36
Illinois 12,550 1,241 41 3.3 0.33
Indiana 6,862 898 31 3.5 0.45
Iowa 3,207 377 5 1.3 0.16
Kansas 2,941 387 6 1.6 0.20
Kentucky 4,526 814 16 2.0 0.35
Louisiana 4,574 811 35 4.3 0.77
Maine 1,396 135 0 (2) (3)
Maryland 6,180 621 15 2.4 0.24
Massachusetts 7,001 343 9 2.6 0.13
Michigan 10,037 1,094 24 2.2 0.24
Minnesota 5,738 409 6 1.5 0.10
Mississippi 2,940 732 13 1.8 0.44
Missouri 6,196 991 10 1.0 0.16
Montana 1,133 208 2 1.0 0.18
Nebraska 1,978 227 6 2.6 0.30
Nevada 3,194 389 14 3.6 0.44
New Hampshire 1,402 130 1 0.8 0.07
New Jersey 9,291 606 27 4.5 0.29
New Mexico 2,114 437 12 2.7 0.57
New York 19,571 1,114 49 4.4 0.25
New Carolina 10,835 1,561 46 2.9 0.42
New Dakota 784 106 0 (2) (3)
Ohio 11,786 1,242 22 1.8 0.19
Oklahoma 4,054 718 15 2.1 0.37
Oregon 4,233 587 17 2.9 0.40
Pennsylvania 12,962 1,211 29 2.4 0.22
Rhode Island 1,096 71 2 2.8 0.18
South Carolina 5,374 1,047 25 2.4 0.47
South Dakota 919 140 0 (2) (3)
Tennessee 7,126 1,323 11 0.8 0.15
Texas 30,503 4,291 106 2.5 0.35
Utah 3,418 280 9 3.2 0.26
Vermont 647 69 1 1.4 0.15
Virginia 8,716 913 15 1.6 0.17
Washington 7,813 810 18 2.2 0.23
West Virginia 1,770 260 4 1.5 0.23
Wisconsin 5,911 583 8 1.4 0.14
Wyoming 584 144 2 1.4 0.34
U.S. Total 334,915 40,901 1,166 2.9% 0.35

(1) Bicyclists are defined by the National Highway Safety Administration as pedalcyclists, which are bicyclists and other cyclists including riders of two-wheeled, nonmotorized vehicles, tricycles and unicycles. Starting in 2022, pedalcyclists include people on motorized bicycles.
(2) Less than 0.01 percent.
(3) Less than 0.01 per 100,000 population.

Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.

HOMEOWNERS INSURANCE CLAIMS AND PAYOUT FOR LIGHTNING LOSSES, 2010-2015

Year Value of Claims ($ millions) Number of Claims Average Cost Per Claim
2010 $1,033.5 213,278 $4,846
2011 952.5 186,307 5,112
2012 969.0 151,000 6,400
2013 673.5 114,740 5,869
2014 739.0 99,871 7,400
2015 790.1 99,423 7,947
% change, 2014-2015 6.9% -0.4% 7.4%
% change, 2010-2015 -23.6% -53.4% 64.0%

Source: Insurance Information Institute, State Farm®.

TOP 10 STATES WITH ESTIMATED NUMBER AND COST OF LIGHTNING CLAIMS, 2015

Rank State Value of claims ($ millions) Number of Claims Average cost per claim
1 FL $156.2 11,898 $13,131
2 GA 61.0 10,442 5,844
3 TX 84.9 8,844 9,595
4 LA 24.4 5,333 4,578
5 AL 28.3 4,508 6,280
6 NC 28.8 4,226 6,810
7 PA 13.2 3,686 3,579
8 TN 24.5 3,397 7,212
9 VA 21.0 3,174 6,607
10 SC 13.7 3,163 4,318
  TOP 10 455.9 58,671 7,771
  Other 334.2 40,752 8,200
  USA 790.1 99,423 7,947

Source: Insurance Information Institute, State Farm®.

Top 10 Most Frequently Stolen Vehicles, 2023

  All model years (1)  
Rank Model Thefts
1 Hyundai Elantra 48,445
2 Hyundai Sonata 42,813
3 Kia Optima 30,204
4 Chevrolet Silverado 1500 23,721
5 Kia Soul 21,001
6 Honda Accord 20,895
7 Honda Civic 19,858
8 Kia Forte 16,209
9 Ford F150 Series Pickup 15,852
10 Kia Sportage 15,749

(1) Includes all model years for each vehicle.

Source: National Insurance Crime Bureau.

INDIVIDUAL ANNUITY CONSIDERATIONS, 2010-2014 (1)

($ billions)
      Total
Year Variable Fixed Amount Percent change
from prior year
2010 $140.5 $81.9 $222.4 -6.8%
2011 157.9 80.5 238.4 7.2
2012 147.4 72.3 219.7 -7.8
2013 145.4 84.4 229.8 4.6
2014 140.1 95.8 235.9 2.7

(1) Based on LIMRA’s estimates of the total annuity sales market. Includes some considerations (i.e., premiums) that though bought in group settings involve individual buying decisions.

Source: LIMRA.

FLOOD INSURANCE IN THE UNITED STATES, 2014 (1)

  Direct NFIP business WYO business Total NFIP/WYO
State Number of
policies		 Insurance
in force (2)
($ millions)		 Number of
policies		 Insurance
in force (2)
($ millions)		 Number of
policies		 Insurance
in force (2)
($ millions)
Alabama 10,964 $2,185.3 45,429 $10,410.0 56,393 $12,595.3
Alaska 794 171.7 2,220 580.8 3,014 752.5
Arizona 6,650 1,505.2 29,639 7,046.0 36,289 8,551.2
Arkansas 3,730 550.6 16,251 2,652.0 19,981 3,202.6
California 39,609 10,149.8 194,699 53,352.4 234,308 63,502.3
Colorado 4,757 1,106.0 18,887 4,743.2 23,644 5,849.3
Connecticut 2,913 649.7 38,941 9,825.6 41,854 10,475.3
Delaware 5,012 1,308.6 20,023 5,394.9 25,035 6,703.6
D.C. 97 25.9 2,338 438.6 2,435 464.5
Florida 163,567 41,853.7 1,783,937 425,872.4 1,947,504 467,726.1
Georgia 18,494 4,457.0 74,251 18,913.4 92,745 23,370.4
Hawaii 2,540 563.5 58,116 12,651.4 60,656 13,214.9
Idaho 1,204 271.0 5,365 1,241.0 6,569 1,512.0
Illinois 12,859 2,204.2 34,246 6,706.7 47,105 8,910.9
Indiana 6,797 1,055.4 21,179 4,026.3 27,976 5,081.7
Iowa 3,065 465.3 12,576 2,422.6 15,641 2,887.9
Kansas 2,879 444.0 9,221 1,631.7 12,100 2,075.8
Kentucky 3,912 548.3 19,572 3,137.6 23,484 3,685.9
Louisiana 127,531 30,062.3 345,011 83,712.7 472,542 113,775.0
Maine 699 139.2 8,479 1,942.2 9,178 2,081.4
Maryland 7,583 1,803.6 64,702 14,569.0 72,285 16,372.6
Massachusetts 5,646 1,242.3 53,505 14,429.4 59,151 15,671.7
Michigan 4,897 727.1 19,726 3,638.3 24,623 4,365.4
Minnesota 2,145 452.9 9,845 2,179.8 11,990 2,632.7
Mississippi 16,514 3,764.6 54,121 12,456.4 70,635 16,220.9
Missouri 4,681 730.7 19,850 3,582.0 24,531 4,312.7
Montana 1,044 199.4 5,070 1,004.2 6,114 1,203.6
Nebraska 2,642 386.6 9,277 1,687.8 11,919 2,074.4
Nevada 2,433 546.8 10,885 2,793.4 13,318 3,340.1
New Hampshire 683 139.2 8,356 1,801.3 9,039 1,940.5
New Jersey 22,333 4,319.5 215,025 53,344.0 237,358 57,663.5
New Mexico 2,602 464.7 12,645 2,492.2 15,247 2,957.0
New York 26,773 5,642.4 162,099 45,052.0 188,872 50,694.4
North Carolina 16,024 3,910.3 119,487 28,737.5 135,511 32,647.8
North Dakota 2,168 552.7 10,110 2,608.1 12,278 3,160.8
Ohio 8,127 1,155.8 31,911 5,732.7 40,038 6,888.4
Oklahoma 3,782 662.5 12,740 2,484.4 16,522 3,146.9
Oregon 6,966 1,587.7 25,055 5,945.1 32,021 7,532.8
Pennsylvania 10,786 1,712.2 58,476 11,797.8 69,262 13,509.9
Rhode Island 612 145.7 14,884 3,896.9 15,496 4,042.6
South Carolina 25,622 6,893.4 164,848 44,629.5 190,470 51,522.9
South Dakota 1,037 211.6 4,212 938.6 5,249 1,150.2
Tennessee 5,920 1,328.3 25,356 5,930.4 31,276 7,258.7
Texas 111,070 29,459.2 489,540 127,863.4 600,610 157,322.6
Utah 718 158.8 3,525 867.2 4,243 1,026.1
Vermont 378 65.8 3,937 854.3 4,315 920.1
Virginia 19,040 4,657.3 93,116 23,382.9 112,156 28,040.2
Washington 6,669 1,457.0 35,941 8,716.2 42,610 10,173.2
West Virginia 5,120 575.0 14,315 2,059.6 19,435 2,634.6
Wisconsin 2,276 359.2 13,107 2,461.1 15,383 2,820.4
Wyoming 464 101.0 1,839 430.6 2,303 531.7
American Samoa 1 0.0 0 0.0 1 0.0
Guam 168 31.0 68 15.5 236 46.5
N Mariana Islands 5 0.4 2 1.0 7 1.4
Puerto Rico 145 16.5 13,464 1,856.2 13,609 1,872.7
Virgin Islands 295 55.1 1,417 266.1 1,712 321.2
United States 745,442 $175,233.2 4,522,836 $1,097,206.2 5,268,278 $1,272,439.4

(1) Direct and WYO business may not add to total due to rounding.
(2) Total limits of liability for all policies in force.

Source: U.S. Department of Homeland Security, Federal Emergency Management Agency.

FULL-YEAR 2015 FINANCIAL RESULTS*

  $ Billions Percent change from 2014
Net Earned Premiums $505.8 3.7%
Incurred Losses (Including loss adjustment expenses) 350.2 4.6%
Expenses 157.9 14.3%
Policyholder Dividends 2.5 3.7%
Net Underwriting Gain (Loss) 8.7 -28.6%
Investment Income 47.2 1.9%
Other Items 1.2 142.9%
Pre-Tax Operating Income 57.3 2.5%
Realized Capital Gains (Losses) 9.4 -8.5%
Pre-Tax Income 66.7 1.5%
Taxes 10.1 -1.0%
Net After-Tax Income $56.6 1.4%
Surplus (End of Period) $673.7 -0.2%
Combined Ratio 97.8 -0.8%

*Figures may not add to totals due to rounding. Calculations in text based on unrounded figures.

ESTIMATED NUMBER AND COST OF DOG BITE CLAIMS, 2015 STATE RESULTS

            No. of claims last year
Rank State Number of
claims		 Average cost
per claim		 Value of claims
($ millions)		   Last year Change from
last year		 Rank
last year
1 CA 1,684 $44,983 $75.8   1,867 -10% 1
2 IL 931 33,385 31.1   872 7% 4
3 NY 880 44,320 39   910 -3% 3
4 PA 794 30,509 24.2   861 -8% 5
5 TX 688 30,241 20.8   621 11% 7
6 MI 625 29,898 18.7   693 -10% 6
7 OH 604 33,294 20.1   1,009 -40% 2
8 WI 526 34,423 18.1   388 36% 9 (tie)
9 AZ 393 56,654 22.3   356 10% 15
10 GA 381 37,042 14.1   388 -2% 9 (tie)
  Top 10 7,506 $37,856 $284.1        
  Other states 7,846 $36,600 $287.2        
  USA 15,352 $37,214 $571.3   16,550 -7%  

Source: Insurance Information Institute, State Farm®.

ESTIMATED NUMBER AND COST OF DOG BITE CLAIMS (AND OTHER DOG-RELATED INJURIES), 2003-2015

Year Value of claims ($ millions) Number of claims Average cost per claim
2003 $324.2 16,919 $19,162
2004 318.9 15,630 20,406
2005 321.1 14,295 22,464
2006 322.4 14,661 21,987
2007 356.2 14,531 24,511
2008 387.0 15,823 24,461
2009 412.0 16,586 24,840
2010 412.6 15,770 26,166
2011 490.8 16,695 29,396
2012 489.7 16,459 29,752
2013 483.7 17,359 27,862
2014 530.8 16,550 32,072
2015 571.3 15,352 37,214
% change, 2014-2015 7.60% -7.20% 16.00%
% change, 2003-2015 76.20% -9.30% 94.20%
% change per year, 2003-2015 4.80% -0.80% 5.70%

Source: Insurance Information Institute, State Farm®.

Fatal World Aviation Accidents, 2010-2014 (1)

Year Fatal accidents (2) Fatalities (2) Accident rate (3)
2010 23 786 0.79
2011 22 490 0.58
2012 15 414 0.28
2013 16 210 0.41
2014 12 641 0.23

(1) Accident information is current at the time of publication, although it is subject to future revision.
(2) On Eastern- and Western-built jet aircraft.
(3) Measured in hull losses per million flights of Western-built jet aircraft.  A hull loss is an accident in which the aircraft is destroyed or substantially damaged and is not subsequently repaired.

Source: International Air Transport Association.

HOMEOWNERS INSURANCE LOSSES BY CAUSE, 2009-2013 (1)

(Percent of losses incurred)
Cause of loss 2009 2010 2011 2012 2013
Property damage (2) 95.1% 95.2% 97.0% 97.1% 97.0%
Fire and lightning 27.0 25.2 18.5 23.6 30.5
Wind and hail 32.1 35.8 46.3 49.0 29.9
Water damage and freezing 24.4 21.2 21.6 17.0 26.4
Theft 3.3 3.1 2.3 2.9 3.4
All other property damage (3) 8.2 9.9 8.3 4.6 6.8
Liability (4) 4.9% 4.8% 3.0% 2.9% 3.0%
Bodily injury and property damage 4.7 4.7 2.8 2.6 2.7
Medical payments and other 0.2 0.2 0.2 0.2 0.3
Credit card and other (5) (6) (6) (6) (6) (6)
Total 100.0% 100.0% 100.0% 100.0% 100.0%

(1) For homeowners multiple peril policies. Excludes tenants and condominium owners policies. Excludes Alaska and Texas.
(2) First party, i.e., covers damage to policyholder’s own property.
(3) Includes vandalism and malicious mischief.
(4) Payments to others for which policyholder is responsible.
(5) Includes coverage for unauthorized use of various cards, forgery, counterfeit money and losses not otherwise classified.
(6) Less than 0.1 percent.

Source: ISO®, a Verisk Analytics® company.

HOMEOWNERS INSURANCE LOSSES, 2009-2013 (1)

  Total homeowners losses   Total homeowners losses
Year Claim frequency (2) Claim severity (3) Year Claim frequency (2) Claim severity (3)
2009 6.09 $8,411 2012 7.56 $8,801
2010 6.66 8,618 2013 4.81 10,271
2011 9.83 8,455 Average (4) 7.02 $8,793

(1) For homeowners multiple peril policies. Excludes tenants and condominium policies. Excludes Alaska and Texas.
(2) Claims per 100 house years (policies).
(3) Average amount paid per claim; based on accident year incurred losses, excluding loss adjustment expenses, i.e., indemnity costs per accident year incurred claims.
(4) Weighted average, 2009-2013.

Source: ISO®, a Verisk Analytics® company.

First Nine Months 2015 Financial Results*

($ billions)
Net Earned Premiums $376.8
Incurred Losses (Including loss adjustment expenses, net of reserve releases) 260.0
Expenses 108.4
Policyholder Dividends 1.3
Net Underwriting Gain (Loss) 7.1
Investment Income 34.8
Other Items 1.2
Pre-Tax Operating Gain 43.1
Realized Capital Gains (Losses) 8.9
Pre-Tax Income 52.0
Taxes 8.0
Net After-Tax Income $44.0
Surplus (End of Period) $663.87
Combined Ratio 96.9**

*Figures may not add to totals due to rounding. Calculations in text based on unrounded figures.
**Includes mortgage and financial guaranty insurers.

INSURANCE INDUSTRY’S FEDERAL AND FOREIGN INCOME TAXES INCURRED, 2009-2013

($ 000)
Year Property/casualty Life Total
2009 $8,667,220 $10,458,570 $19,125,790
2010 8,834,290 8,553,982 17,388,273
2011 3,026,943 4,676,261 7,703,203
2012 6,254,790 9,859,000 16,113,791
2013 12,037,527 8,555,821 20,593,348

Source: SNL Financial LC.

INSURANCE CARRIERS AND RELATED ACTIVITIES COMPENSATION BY STATE, 2012-2013

($000)
  Annual payroll (1)   Annual payroll (1)
State 2012 2013 State 2012 2013
Alabama $2,297,117 $2,309,387 Montana $399,801 $411,719
Alaska 160,102 165,819 Nebraska 1,999,486 2,061,443
Arizona 3,016,399 3,254,873 Nevada 935,978 981,902
Arkansas 1,004,903 997,124 New Hampshire 1,351,610 1,407,125
California 21,272,593 21,060,971 New Jersey 9,700,866 10,066,035
Colorado 3,395,385 3,505,434 New Mexico 547,330 563,412
Connecticut 8,379,940 8,378,917 New York 18,839,104 19,282,165
Delaware 717,234 701,995 North Carolina 4,138,757 4,261,298
D.C. 565,871 584,934 North Dakota 483,473 501,890
Florida 11,829,437 12,352,852 Ohio 8,592,723 8,962,173
Georgia 6,656,918 6,946,769 Oklahoma 1,515,956 1,537,835
Hawaii 581,828 591,460 Oregon 2,086,542 2,154,023
Idaho 551,842 560,352 Pennsylvania 11,370,368 11,734,779
Illinois 11,652,877 11,668,284 Rhode Island 853,864 897,279
Indiana 3,647,243 3,633,430 South Carolina 2,174,298 2,264,510
Iowa 3,611,598 3,752,819 South Dakota 492,954 520,851
Kansas 2,258,453 2,345,872 Tennessee 3,871,492 3,647,715
Kentucky 2,500,449 2,557,703 Texas 14,986,023 15,755,730
Louisiana 1,930,533 1,955,652 Utah 1,236,475 1,293,689
Maine 929,908 946,882 Vermont 330,811 343,770
Maryland 3,805,887 3,684,298 Virginia 4,439,108 4,326,876
Massachusetts 7,442,826 7,691,694 Washington 3,596,111 3,751,185
Michigan 4,618,312 4,781,764 West Virginia 540,921 545,221
Minnesota 7,417,835 7,160,044 Wisconsin 5,524,137 5,581,822
Mississippi 826,933 832,028 Wyoming 141,194 150,870
Missouri 4,247,195 4,178,326 United States $215,469,000 $219,605,000

(1) Private nonfarm compensation.

Source: U.S. Department of Commerce, Bureau of Economic Analysis, Regional Economic Information System.

Top 10 Largest World Commercial Liability Markets, 2014

(US$ billions)
    Direct premiums written   Liability as a percentage of
Rank Country Liability Total nonlife GDP (1) Total nonlife GDP (1)
1 United States $86.6 $539.3 $16,805.4 16.1% 0.52%
2 United Kingdom 10.6 101.0 2,713.9 10.5 0.39
3 Germany 8.6 92.9 3,751.9 9.2 0.23
4 France 6.7 83.3 2,812.5 8.1 0.24
5 Japan 6.3 85.5 4,913.0 7.3 0.13
6 Canada 5.0 50.6 1,831.0 9.9 0.27
7 Italy 5.0 46.3 2,133.5 10.8 0.23
8 Australia 4.9 32.7 1,501.0 14.9 0.33
9 China 4.2 105.5 9,603.2 3.9 0.04
10 Spain 2.1 31.2 1,369.5 6.9 0.16
  Total, countries shown $140.0 $1,170.0 $47,400.0 12.0% 0.30%
  Total, all countries $165.0 $1,600.0 $77,400.0 10.3% 0.21%

(1) Gross domestic product.

Source: Swiss Re.

FIRST HALF 2015 FINANCIAL RESULTS*

($ billions)
Net Earned Premiums $247.50
Incurred Losses (Including loss adjustment expenses) 171.3
Expenses 71.8
Policyholder Dividends 1.0
Net Underwriting Gain (Loss) 3.4
Investment Income 23.4
Other Items 0.7
Pre-Tax Operating Gain 27.5
Realized Capital Gains (Losses) 8.2
Pre-Tax Income 35.7
Taxes 4.7
Net After-Tax Income $30.97
Surplus (End of Period) $672.44
Combined Ratio 97.6**

*Figures may not add to totals due to rounding. Calculations in text based on unrounded figures.
**Includes mortgage and financial guaranty insurers.

TOP 10 MOST WILDFIRE-PRONE STATES, 2013

By households By percent By insured wildfire loss
Rank State Households at high or extreme risk from wildfires (1) Rank State Percent of households at high or extreme risk from wildfires Rank State Largest insured wildfire loss (year)
1 California 1,989,100 1 Idaho 24.1% 1 California $1.7 billion (1991)
2 Texas 1,299,800 2 Colorado 16.9 2 Colorado $450 million (2012)
3 Colorado 373,600 3 California 14.5 3 Texas $530 million (2011)
4 Washington 163,400 4 New Mexico 13.6 4 New Mexico $140 million (2000)
5 Idaho 160,800 5 Texas 13.0 5 Arizona $120 million (2002)
6 Oregon 159,800 6 Utah 12.8 6 Idaho NA
7 Arizona 159,100 7 Oregon 9.5 7 Nevada NA
8 Utah 125,500 8 Washington 5.7 8 Oregon NA
9 New Mexico 122,600 9 Arizona 5.6 9 Utah NA
10 Nevada 59,100 10 Nevada 5.1 10 Washington NA

(1) Number of households is based on data from the 2010 U.S. Census.

NA=Data not available.

Source: Verisk Insurance Solutions – Underwriting and Verisk Climate units of Verisk Analytics®.

Top Five States 2024-2025 For Likelihood of Animal Involved Claims From A Collision (1)

Rank State 2025 odds (2)
1 West Virginia 1 in 40
2 Montana 1 in 53
3 Wisconsin 1 in 58
3 Michigan 1 in 61
4 Pennsylvania 1 in 62

(1) Between July, 2024 and June, 2025.
(2) States with the same odds receive the same rank.
(3) Highest number of claims estimated at 148,000.

Source: State Farm®.

TOP 10 MOST SIGNIFICANT FLOOD EVENTS BY NATIONAL FLOOD INSURANCE PROGRAM PAYOUTS (1)

Rank Date Event Location Number of
paid losses		 Amount paid
($ millions)		 Average
paid loss
1 Aug. 2005 Hurricane Katrina AL, FL, GA, LA, MS, TN 167,971 $16,316 $97,134
2 Oct. 2012 Superstorm Sandy CT, DC, DE, MA, MD, ME, NC, NH,
NJ, NY, OH, PA, RI, VA, VT, WV		 129,235 7,946 61,482
3 Sep. 2008 Hurricane Ike AR, IL, IN, KY, LA, MO, OH, PA, TX 46,589 2,689 57,713
4 Sep. 2004 Hurricane Ivan AL, DE, FL, GA, LA, MD, MS, NJ, NY,
NC, OH, PA, TN, VA, WV		 28,290 1,612 56,964
5 Aug. 2011 Hurricane Irene CT, DC, DE, MA, MD, ME, NC, NH,
NJ, NY, PA, RI, VA, VT		 44,228 1,337 30,226
6 Jun. 2001 Tropical Storm Allison FL, LA, MS, NJ, PA, TX 30,784 1,107 35,955
7 May 1995 Louisiana Flood LA 31,343 585 18,667
8 Aug. 2012 Tropical Storm Isaac AL, FL, LA, MS 11,992 548 45,728
9 Sep. 2003 Hurricane Isabel DE, MD, NJ, NY, NC, PA, VA, WV 19,931 500 25,072
10 Sep. 2005 Hurricane Rita AL, AR, FL, LA, MS, TN, TX 9,528 475 49,820

(1) Includes events from 1978 to June 30, 2015, as of August 21, 2015. Defined by the National Flood Insurance Program as an event that produces at least 1,500 paid losses. Stated in dollars when occurred.

Source: U.S. Department of Homeland Security, Federal Emergency Management Agency; U.S. Department of Commerce, National Oceanic and Atmospheric Administration, National Hurricane Center.

TOP 10 MOST COSTLY HURRICANES IN THE UNITED STATES (1)

($ millions)
        Estimated insured loss (2)
Rank Date Location Hurricane Dollars when
occurred		 In 2014
dollars (3)
1 Aug. 25-30, 2005 AL, FL, GA, LA, MS, TN Hurricane Katrina $41,100 $48,383
2 Aug. 24-26, 1992 FL, LA Hurricane Andrew 15,500 23,785
3 Oct. 28-31, 2012 CT, DC, DE, MA, MD, ME, NC, NH, NJ,
NY, OH, PA, RI, VA, VT, WV		 Hurricane Sandy 18,750 19,307
4 Sep. 12-14, 2008 AR, IL, IN, KY, LA, MO, OH, PA, TX Hurricane Ike 12,500 13,639
5 Oct. 24, 2005 FL Hurricane Wilma 10,300 12,125
6 Aug. 13-14, 2004 FL, NC, SC Hurricane Charley 7,475 9,083
7 Sep. 15-21, 2004 AL, DE, FL, GA, LA, MD, MS, NC, NJ,
NY, OH, PA, TN, VA, WV		 Hurricane Ivan 7,110 8,639
8 Sep. 17-22, 1989 GA, NC, PR, SC, UV, VA Hurricane Hugo 4,195 7,055
9 Sep. 20-26, 2005 AL, AR, FL, LA, MS, TN, TX Hurricane Rita 5,627 6,624
10 Sep. 3-9, 2004 FL, GA, NC, NY, SC Hurricane Frances 4,595 5,583

(1) Includes hurricanes occurring through 2014.
(2) Property coverage only. Excludes flood damage covered by the federally administered National Flood Insurance Program.
(3) Adjusted for inflation through 2014 by ISO using the GDP implicit price deflator.

Source: Property Claim Services (PCS), a Verisk Analytics business.

TOP 10 MOST WILDFIRE-PRONE STATES, 2013

By households By percent By insured wildfire loss
Rank State Households at
high or
extreme risk
from wildfires (1)		 Rank State Percent o households
at high or extreme
risk from wildfires		 Rank State Largest insured
wildfire loss (year)
1 California 1,989,100 1 Idaho 24.1% 1 California $1.7 billion (1991)
2 Texas 1,299,800 2 Colorado 16.9 2 Colorado $450 million (2012)
3 Colorado 373,600 3 California 14.5 3 Texas $530 million (2011)
4 Washington 163,400 4 New Mexico 13.6 4 New Mexico $140 million (2000)
5 Idaho 160,800 5 Texas 13.0 5 Arizona $120 million (2002)
6 Oregon 159,800 6 Utah 12.8 6 Idaho NA
7 Arizona 159,100 7 Oregon 9.5 7 Nevada NA
8 Utah 125,500 8 Washington 5.7 8 Oregon NA
9 New Mexico 122,600 9 Arizona 5.6 9 Utah NA
10 Nevada 59,100 10 Nevada 5.1 10 Washington NA

(1) Number of households is based on data from the 2010 U.S. Census.

NA=Data not available.

Source: Verisk Insurance Solutions – Underwriting and Verisk Climate units of Verisk Analytics®.

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.

FIRST QUARTER 2015 FINANCIAL RESULTS*

($ billions)
  $ Billions
Net Earned Premiums $121.9
Incurred Losses (Including loss adjustment expenses) 81.9
Expenses 35.2
Policyholder Dividends 0.7
Net Underwriting Gain (Loss) 4.1
Investment Income 11.7
Other Items -0.4
Pre-Tax Operating Gain 15.6
Realized Capital Gains (Losses) 4.7
Pre-Tax Income 20.3
Taxes 2.1
Net After-Tax Income $18.17
Surplus (End of Period) $671.73
Combined Ratio 95.7**

*Figures may not add to totals due to rounding. Calculations in text based on unrounded figures.
**The combined ratio excluding Mortgage & Financial Guaranty insurance was 94.8.

LEADING NONLIFE INSURANCE COMPANIES, 2012

  Gross written premiums
Company DKK Mn USD Mn
Tryg Skade 20,202.60 3,487.70
Codan Forsikring 7,906.10 1,364.90
Topdanmark 6,428.60 1,109.80
Alm. Brand Forsikring 4,766.80 822.9
Sygeforsikring Danmark 2,711.30 468.1
LB Forsikring 2,273.50 392.5
Danske Forsikring 1,864.20 317.8
Alka 1,857.60 320.7
GF-Forsikring 1,536.50 265.3
Alpha Insurance 1,462.00 252.4

Source: Axco Insurance Information Services.

LOS 10 PRINCIPALES ESTADOS CON EL MAYOR COSTO Y NÚMERO ESTIMADO DE RECLAMACIONES POR DAÑOS DE RAYOS EN 2014

Estado Número de reclamaciones Costo promedio por reclamación Valor total de las reclamaciones ($millones)
FL 10.440 $7.075 $73,9 
GA 9.805 6.341 62,2 
TX 5.622 10.671 60,0 
LA 5.007 5.009 25,1 
NC 4.886 5.891 28,8 
AL 4.853 8.079 39,2 
IL 4.049 6.348 25,7 
PA 3.960 5.491 21,7 
TN 3.638 8.583 31,2 
IN 3.262 6.832 22,3 
Primeros 10 55.522 7.025 $390,1 
Otros 44.349 7.869 $349,0 
Todos los EE.UU. 99.871 7.400 $739,0 

Fuente: Insurance Information Institute, State Farm®.

PAGOS FINALES Y NÚMERO DE RECLAMACIONES AL SEGURO DE PROPIETARIOS POR DAÑOS CAUSADOS POR RAYOS ENTRE 2010 Y 2014

Año Valor de las Reclamaciones ($ millones) Número de reclamaciones Costo Promedio por reclamación
2010 $1.033,5 213.278 $4.846
2011 952,5 186.307 5.112
2012 969,0 151.000 6.400
2013 673,5 114.740 5.869
2014 739,0 99.871 7.400
% cambio, 2013-2014 9,7% -13,0% 26,1%
% cambio, 2010-2014 -28,5% -53,2% 52,7%

Fuente: Insurance Information Institute, State Farm®.

TOP 10 STATES WITH ESTIMATED NUMBER AND COST OF LIGHTNING CLAIMS, 2014

State Number of claims Average cost per claim Value of claims ($millions)
FL 10,440 $7,075 $73.90
GA 9,805 6,341 62.2
TX 5,622 10,671 60.0
LA 5,007 5,009 25.1
NC 4,886 5,891 28.8
AL 4,853 8,079 39.2
IL 4,049 6,348 25.7
PA 3,960 5,491 21.7
TN 3,638 8,583 31.2
IN 3,262 6,832 22.3
Top 10 55,522 7,025 $390.1
Other 44,349 7,869 $349.0
USA 99,871 7,400 $739.0

Source: Insurance Information Institute, State Farm®.

HOMEOWNERS INSURANCE CLAIMS AND PAYOUT FOR LIGHTNING LOSSES, 2010-2014

Year Value of Claims ($ millions) Number of claims Average cost per claim
2010 $1,033.50 213,278 $4,846
2011 952.5 186,307 5,112
2012 969 151,000 6,400
2013 673.5 114,740 5,869
2014 739 99,871 7,400
% change, 2013-2014 9.70% -13.00% 26.10%
% change, 2010-2014 -28.50% -53.20% 52.70%

Source: Insurance Information Institute, State Farm®.

INDIVIDUAL ANNUITY CONSIDERATIONS, 2009-2013 (1)

($ billions)
      Total
Year Variable Fixed Amount Percent change
from prior year
2009 $128.0 $110.6 $238.6 -10.0%
2010 140.5 81.9 222.4 -6.8
2011 157.9 80.5 238.4 7.2
2012 147.4 72.3 219.7 -7.8
2013 145.3 84.3 229.6 4.5

(1) Based on LIMRA’s estimates of the total annuity sales market. Includes some considerations (i.e., premiums) that though bought in group settings involve buying decisions.

Source: LIMRA Secure Retirement Institute.

FULL-YEAR 2014 FINANCIAL RESULTS*

($ billions)
  $ Billions Percent change from 2013
Net Earned Premiums $487.6 4.3%
Incurred Losses (Including loss adjustment expenses) 334.7 6.6%
Expenses 138.1 2.6%
Policyholder Dividends 2.5 0.0%
Net Underwriting Gain (Loss) 12.3 -19.4%
Investment Income 46.2 -2.5%
Other Items -2.8 -286.7%
Pre-Tax Operating Income 55.6 -15.2%
Realized Capital Gains (Losses) 10.1 -11.5%
Pre-Tax Income 65.7 -12.0%
Taxes 10.2 -15.0%
Net After-Tax Income $55.5 -12.5%
Surplus (End of Period) $674.7 3.3%
Combined Ratio 97.0** -0.8%

*Figures may not add to totals due to rounding. Calculations in text based on unrounded figures.
**Includes mortgage and financial guaranty insurers; without them, it would be 97.2.

NÚMERO DE CASOS Y COSTO PROMEDIO ESTIMADO DE RECLAMACIONES POR MORDEDURAS U OTRAS LESIONES CAUSADAS POR LOS PERROS EN 2014, RESULTADOS POR ESTADOS

Estado Número de reclamaciones Costo promedio por reclamación Valor total de  reclamaciones ($ millones)
CA 1.867 $3.65 $62,8
OH 1.009 21.983 22,2
NY 910 56.628 51,5
IL 872 34.894 30,4
PA 861 26.211 22,6
MI 693 38.302 26,5
TX 621 16.205 10,1
IN 481 21.287 10,2
GA 388 31.497 12,2
WI 388 26.873 10,4
Primeros 10 estados 8.09 $32.02 $259,0
Estados restantes 8.46 $32.12 $271,8
Todo los estados  16.55 $32.07 $530,8

Fuente: Insurance Information Institute, State Farm®.

NÚMERO DE CASOS Y COSTO PROMEDIO ESTIMADO DE RECLAMACIONES POR MORDEDURAS U OTRAS LESIONES CAUSADAS POR LOS PERROS ENTRE 2003 Y 2014

Año Valor total de  reclamaciones ($ millones) Número de reclamaciones  Costo promedio por reclamación
2003 $324,2 16.919 $19.16
2004 318,9 15.63 20.406
2005 321,1 14.295 22.464
2006 322,4 14.661 21.987
2007 356,2 14.531 24.511
2008 387,0 15.823 24.461
2009 412,0 16.586 24.84
2010 412,6 15.77 26.166
2011 490,8 16.695 29.396
2012 489,7 16.459 29.752
2013 483,7 17.359 27.862
2014 530,8 16.55 32.072
Diferencia % 2013-2014 9,7% -4,7% 15,1%
Diferencia % 2013-2014 63,7% -2,2% 67,4%

Fuente: Insurance Information Institute, State Farm®.

ESTIMATED NUMBER AND COST OF DOG BITE CLAIMS (AND OTHER DOG-RELATED INJURIES) 2014 STATE RESULTS

State Number of claims Average cost per claim Value of claims ($ millions)
CA 1,867 $33,649 $62.80
OH 1,009 21,983 22.2
NY 910 56,628 51.5
IL 872 34,894 30.4
PA 861 26,211 22.6
MI 693 38,302 26.5
TX 621 16,205 10.1
IN 481 21,287 10.2
GA 388 31,497 12.2
WI 388 26,873 10.4
Top 10 8,090 $32,018 $259.00
Other States 8,460 $32,124 $271.80
U.S. 16,550 $32,072 $530.80

Source: Insurance Information Institute, State Farm®.

ESTIMATED NUMBER AND COST OF DOG BITE CLAIMS (AND OTHER DOG-RELATED INJURIES), 2003-2014

Year Value of claims
($ millions)		 Number of claims Average cost per claim
2003 $324.20 16,919 $19,162
2004 318.9 15,630 20,406
2005 321.1 14,295 22,464
2006 322.4 14,661 21,987
2007 356.2 14,531 24,511
2008 387.0 15,823 24,461
2009 412.0 16,586 24,840
2010 412.6 15,770 26,166
2011 490.8 16,695 29,396
2012 489.7 16,459 29,752
2013 483.7 17,359 27,862
2014 530.8 16,550 32,072
% change, 2013-2014 9.70% -4.70% 15.10%
% change, 2003-2014 63.70% -2.20% 67.40%

Source: Insurance Information Institute, State Farm®.

FLOOD INSURANCE POLICIES IN FORCE, SELECTED GULF STATES, 2003-2012

Year Louisiana Mississippi Alabama
2012 (1) 489,336 75,434 57,445
2006 494,370 76,215 52,308
2003 379,361 42,149 40,343

(1) As of May 31, 2012.

Source: U.S. Department of Homeland Security, FEMA; Insurance Information Institute Fact Books.

Holidays Ranked by the Number of Vehicle Thefts, 2020

Rank Holiday Number of thefts
1 New Year’s Day 2,320
2 Labor Day 2,222
3 Presidents’ Day 2,204
4 New Year’s Eve 2,201
5 Halloween 2,191
6 Valentine’s Day 2,174
7 Memorial Day 2,162
8 Christmas Eve 2,011
9 Independence Day 1,995
10 Thanksgiving 1,683
11 Christmas Day 1,580

Source: National Insurance Crime Bureau (NICB).

FIRST NINE MONTHS 2014 FINANCIAL RESULTS*

($ billions)
Net Earned Premiums $362.30
Incurred Losses
(Including loss adjustment expenses)		 253.1
Expenses 112.3
Policyholder Dividends 1.2
Net Underwriting Gain (Loss) 4.3
Investment Income 34.3
Other Items -1.9
Pre-Tax Operating Gain 36.6
Realized Capital Gains (Losses) 8.8
Pre-Tax Income 31.1
Taxes 7.7
Net After-Tax Income $37.65
Surplus (End of Period) $673.93
Combined Ratio 97.7**

Top 10 Most Expensive And Least Expensive Cities For Auto Insurance, 2014 (1)

Rank Most expensive cities Average car
insurance price		 Rank Least expensive cities Average car
insurance price
1 Detroit, MI $10,723 1 Winston-Salem, NC $969
2 New Orleans, LA 4,310 2 Greensboro, NC   1,090
3 Grand Rapids, MI 4,042 3 Raleigh, NC 1,098
4 Newark, NJ 3,525 4 Durham, NC 1,101
5 Baton Rouge, LA 3,364 5 Charlotte, NC   1,123
6 Hialeah, FL 3,272 6 Boise, ID 1,222
7 Jersey City, NJ 3,267 7 Rochester, NY 1,249
8 Louisville, KY 3,256 8 Fayetteville, NC 1,295
9 Miami, FL 3,169 9 Spokane, WA 1,308
10 Philadelphia, PA 2,931 10 Montgomery, AL 1,376

(1) Based on a 26-year-old male without any history of accidents, insuring a 2012 Toyota Camry. Assumes $100,000/$300,000/$50,000 liability limits with a $500 deductible. To calculate city averages, NerdWallet used only ZIP codes within city limits and not in the city’s metro area.

Source: NerdWallet.

Top 10 Writers Of Homeowners Insurance In Illinois By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $1,283,333 32.8%
2 Allstate Corp. 468,134 12.0
3 COUNTRY Financial 328,145 8.4
4 American Family Insurance Group 231,921 5.9
5 Farmers Insurance Group 215,398 5.5
6 Liberty Mutual 187,002 4.8
7 Travelers Companies Inc. 134,309 3.4
8 USAA Insurance Group 126,151 3.2
9 MetLife Inc. 87,664 2.2
10 Chubb 87,616 2.2

(1) Before reinsurance transactions.

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

Top 10 Writers Of Homeowners Insurance In Colorado By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $530,687 19.5%
2 USAA Insurance Group 314,522 11.6
3 Liberty Mutual 299,926 11.0
4 Allstate Corp. 261,636 9.6
5 American Family Insurance Group 260,597 9.6
6 Farmers Insurance Group 237,324 8.7
7 Travelers Companies Inc. 177,371 6.5
8 Chubb 87,193 3.2
9 Nationwide Mutual Group 80,712 3.0
10 Progressive 46,808 1.7

(1) Before reinsurance transactions.

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

Top 10 Writers Of Commercial Insurance In Illinois By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Travelers Companies Inc. $891,824 6.0%
2 Assurant 849,661 5.7
3 Chubb 744,815 5.0
4 CNA 626,550 4.2
5 American International Group (AIG) 597,765 4.0
6 Liberty Mutual 575,462 3.9
7 Zurich 545,426 3.7
8 Hartford Financial Services 434,998 2.9
9 Great American Insurance 346,139 2.3
10 Allstate Corp. 327,052 2.2

(1) Before reinsurance transactions.

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

Top 10 Writers Of Commercial Insurance In Colorado By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Pinnacol Assurance $588,500 9.7%
2 Travelers Companies Inc. 374,133 6.2
3 Liberty Mutual 354,006 5.8
4 Chubb 315,719 5.2
5 Zurich 212,647 3.5
6 American International Group (AIG) 187,709 3.1
7 Hartford Financial Services 176,635 2.9
8 CNA 176,170 2.9
9 Nationwide Mutual Group 168,735 2.8
10 Berkshire Hathaway Inc. 150,923 2.5

(1) Before reinsurance transactions.

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

Top 10 Writers Of Private Passenger Auto Insurance In Illinois By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $2,312,444 29.7%
2 Allstate Corp. 897,732 11.5
3 Progressive 616,481 7.9
4 Berkshire Hathaway Inc. 549,641 7.0
5 COUNTRY Financial 526,075 6.7
6 American Family Insurance Group 345,139 4.4
7 Farmers Insurance Group 306,020 3.9
8 Liberty Mutual 227,691 2.9
9 USAA Insurance Group 197,318 2.5
10 Travelers Companies Inc. 133,384 1.7

(1) Before reinsurance transactions.

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

Top 10 Writers Of Private Passenger Auto Insurance In Colorado By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $920,177 17.3%
2 Progressive 610,292 11.5
3 USAA Insurance Group 559,600 10.5
4 Berkshire Hathaway Inc. 505,944 9.5
5 Allstate Corp. 500,935 9.4
6 Liberty Mutual 420,541 7.9
7 American Family Insurance Group 420,467 7.9
8 Farmers Insurance Group 348,649 6.6
9 Travelers Companies Inc. 172,764 3.2
10 Nationwide Mutual Group 109,042 2.0

(1) Before reinsurance transactions.

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

Top 10 Writers Of Life Insurance/Annuities In Illinois By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Prudential Financial Inc.   $2,131,001 8.8%
2 MassMutual   1,447,502 6.0
3 AIG   1,186,731 4.9
4 Northwestern Mutual   1,129,862 4.7
5 Principal Financial Group Inc.   1,063,864 4.4
6 New York Life   1,019,939 4.2
7 Reliance Standard   902,760 3.7
8 Nationwide   872,149 3.6
9 Lincoln Financial   863,901 3.6
10 Jackson   779,010 3.2

(1) Includes life insurance, accident and health insurance, annuity considerations, deposit-type contract funds and other considerations. Before reinsurance transactions.

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

Top 10 Writers Of Life Insurance/Annuities In Colorado By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Pacific Life   $1,490,978 14.0%
2 Prudential Financial Inc.   670,489 6.3
3 Lincoln Financial   400,656 3.8
4 New York Life   397,536 3.7
5 MetLife   394,530 3.7
6 Northwestern Mutual   387,940 3.6
7 Allianz   370,956 3.5
8 Nationwide   368,368 3.5
9 Transamerica   362,366 3.4
10 Jackson   339,554 3.2

(1) Includes life insurance, accident and health insurance, annuity considerations, deposit-type contract funds and other considerations. Before reinsurance transactions.

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

BICYCLE DEATHS BY STATE, 2010-2012

State 2010 2011 2012 2010-2012 Change
Alabama 6 5 9 +3
Alaska 0 2 1 +1
Arizona 19 22 18 -1
Arkansas 2 6 6 +4
California 100 115 123 +23
Colorado 8 8 13 +5
Connecticut 7 8 4 -3
Delaware 2 0 4 +2
D.C. 2 1 0 -2
Florida 83 126 120 +37
Georgia 18 14 17 -1
Hawaii 3 2 2 -1
Idaho 4 0 2 -2
Illinois 24 27 29 +5
Indiana 13 11 15 +2
Iowa 8 5 3 -5
Kansas 1 2 7 +6
Kentucky 7 2 6 -1
Louisiana 11 18 23 +12
Maine 1 0 1 0
Maryland 8 5 5 -3
Massachusetts 7 5 15 +8
Michigan 29 24 19 -10
Minnesota 9 5 7 -2
Mississippi 4 7 4 0
Missouri 7 1 6 -1
Montana 0 1 1 +1
Nebraska 2 2 0 -2
Nevada 6 4 3 -3
New Hampshire 0 4 0 0
New Jersey 13 17 14 +1
New Mexico 8 4 7 -1
New York 36 57 45 +9
North Carolina 23 25 27 +4
North Dakota 1 1 0 -1
Ohio 11 16 18 +7
Oklahoma 9 1 5 -4
Oregon 7 15 10 +3
Pennsylvania 21 11 16 -5
Rhode Island 2 0 2 0
South Carolina 14 15 13 -1
South Dakota 2 1 0 -2
Tennessee 4 5 8 +4
Texas 42 45 56 +14
Utah 7 5 3 -4
Vermont 1 0 0 -1
Virginia 12 6 11 -1
Washington 6 11 12 +6
West Virginia 2 0 1 -1
Wisconsin 9 12 11 +2
Wyoming 0 1 0 0
Total 621 680 722 +101

Source: Governors Highway Safety Association.

INSURANCE CARRIERS AND RELATED ACTIVITIES COMPENSATION BY STATE, 2011-2012

($000)
  Annual payroll (1)   Annual payroll (1)
State 2011 2012 State 2011 2012
Alabama $2,364,748 $2,306,285 Montana $400,497 $402,392
Alaska 149,981 155,096 Nebraska 1,939,964 2,004,637
Arizona 2,900,835 3,008,390 Nevada 845,786 882,973
Arkansas 963,538 1,009,316 New Hampshire 1,314,508 1,343,573
California 20,117,126 21,227,784 New Jersey 8,935,130 9,643,778
Colorado 3,214,050 3,416,995 New Mexico 530,991 545,518
Connecticut 8,171,134 8,392,213 New York 18,169,826 18,572,635
Delaware 696,697 718,185 North Carolina 4,013,448 4,140,111
D.C. 510,655 546,495 North Dakota 473,849 484,507
Florida 11,111,436 11,799,545 Ohio 8,386,776 8,613,452
Georgia 6,081,139 6,567,110 Oklahoma 1,419,385 1,519,672
Hawaii 564,758 585,286 Oregon 2,018,279 2,104,497
Idaho 531,829 556,768 Pennsylvania 10,486,017 11,140,744
Illinois 10,955,993 11,464,141 Rhode Island 834,327 852,024
Indiana 3,515,425 3,665,093 South Carolina 2,161,629 2,176,144
Iowa 3,528,235 3,622,143 South Dakota 468,369 496,383
Kansas 2,070,556 2,268,372 Tennessee 3,514,180 3,882,491
Kentucky 2,382,546 2,509,475 Texas 14,073,579 14,995,797
Louisiana 1,978,423 1,925,761 Utah 1,172,082 1,243,825
Maine 931,272 939,117 Vermont 322,437 330,316
Maryland 3,527,950 3,737,736 Virginia 3,728,978 4,066,606
Massachusetts 7,276,547 7,433,937 Washington 3,516,968 3,617,188
Michigan 4,421,342 4,591,861 West Virginia 528,005 543,572
Minnesota 6,610,104 7,297,733 Wisconsin 5,346,894 5,522,465
Mississippi 787,944 830,588 Wyoming 136,219 141,972
Missouri 3,780,614 4,261,303 United States $203,883,000 $214,104,000

(1) Private nonfarm compensation.

Source: U.S. Department of Commerce, Bureau of Economic Analysis, Regional Economic Information System.

Incurred Losses For Accident And Health Insurance, 2015-2019 (1)

($000)
Year Incurred losses
2015 $3,990,585
2016 4,512,513
2017 4,649,220
2018 4,555,251
2019 4,900,860

(1) Losses occurring within a fixed period, whether or not adjusted or paid during the same period, before reinsurance transactions.

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

CREDIT LIFE, AND CREDIT ACCIDENT AND HEALTH INSURANCE DIRECT PREMIUMS WRITTEN, 2004-2012

($000)
Year Credit life Credit accident and health
2003 $1,415,084 $1,554,623
2004 1,526,021 1,554,325
2005 1,607,487 1,522,791
2006 1,564,124 1,442,604
2007 1,631,338 1,407,579
2008 1,563,207 1,251,052
2009 1,248,710 964,781
2010 1,247,848 930,578
2011 1,226,326 930,318
2012 1,159,524 957,294

Source: SNL Financial LC.

PERCENT OF OCCUPIED HOUSING UNITS THAT ARE OWNER OCCUPIED, 2012

State Percent Rank (1) State Percent Rank (1)
Alabama 68.8% 13 Montana 67.1% 20
Alaska 63.4 40 Nebraska 66.3 29
Arizona 62.6 41 Nevada 54.9 48
Arkansas 66.2 31 New Hampshire 70.9 7
California 54.0 49 New Jersey 65.1 36
Colorado 64.0 38 New Mexico 67.7 17
Connecticut 66.9 23 New York 53.7 50
Delaware 70.8 8 North Carolina 65.4 35
D.C. 41.5 51 North Dakota 65.0 37
Florida 65.6 34 Ohio 66.3 29
Georgia 63.7 39 Oklahoma 66.4 27
Hawaii 56.9 47 Oregon 61.6 45
Idaho 68.4 14 Pennsylvania 68.9 12
Illinois 66.6 25 Rhode Island 60.0 46
Indiana 69.4 10 South Carolina 68.1 16
Iowa 71.9 2 South Dakota 67.1 20
Kansas 66.4 27 Tennessee 66.7 24
Kentucky 67.0 22 Texas 62.3 42
Louisiana 65.7 33 Utah 69.6 9
Maine 71.4 3 Vermont 71.0 6
Maryland 66.5 26 Virginia 66.2 31
Massachusetts 62.2 44 Washington 62.3 42
Michigan 71.1 5 West Virginia 72.0 1
Minnesota 71.4 3 Wisconsin 67.3 19
Mississippi 68.2 15 Wyoming 69.0 11
Missouri 67.5 18 United States 63.9%  

(1) States with the same percentages receive the same rank.

Source: U.S. Department of Commerce, Census Bureau; American Community Survey.

BANK HOLDING COMPANY INSURANCE BROKERAGE, UNDERWRITING AND TOTAL INSURANCE FEE INCOME, 2010-2014 (1)

  Insurance brokerage fee income (2)
  Reporting insurance
brokerage fee income		      
Year Number Percent (3) Insurance brokerage
fee income
($ billions)		 Average insurance
brokerage fee
income		 Median insurance
brokerage fee
income (4)
2010 592 65.1% $7.05 $11,916,748 $131,500
2011 606 65.2 7.70 12,702,413 119,000
2012 665 63.2 6.20 9,318,084 123,000
2013 664 62.5 6.22 9,360,139 117,500
2014 650 61.8 5.71 8,784,272 127,000
  Insurance underwriting fee income
  Reporting insurance
underwriting fee income 		      
Year Number  Percent (3) Insurance
underwriting
fee income
($ billions)		 Average insurance
underwriting fee
income		 Median insurance
underwriting fee
income (4)
2010 67 7.4% $7.16 $106,825,388 $452,000
2011 63 6.8 5.09 80,756,651 360,000
2012 66 6.3 4.41 66,769,970 503,000
2013 60 5.7 4.00 66,645,533 581,000
2014 59 5.6 3.57 60,535,390 1,000,000
  Total insurance fee income
  Reporting total insurance
 fee income		      
Year Number  Percent (3) Total insurance
fee income
($ billions)		 Average total
insurance fee
income		 Median total
insurance fee
income (4)
2010 594 65.3% $14.21 $23,925,953 $156,000
2011 608 65.5 12.79 21,028,595 133,000
2012 670 63.6 10.60 15,825,887 141,000
2013 669 63.0 10.21 15,267,360 141,000
2014 655 62.3 9.28 14,170,023 150,000

(1) Bank holding companies (BHCs) own one or more banks. Excludes MetLife, Inc., which during some of these years was a financial holding company subject to reporting and supervision to the Federal Reserve Board. Other traditional insurers were similarly excluded from these findings.
(2) Income from nonunderwriting activities, mostly from insurance product sales and referrals, service charges and commissions, and fees earned from insurance and annuity sales.
(3) Percent of top-tier BHCs defined by the Federal Reserve with consolidated assets in excess of $500 million.
(4) Represents the midpoint. Half are above the median and half are below.

Source: Michael White's Bank Insurance Fee Income Report – 2015.

VEHICLES INVOLVED IN CRASHES BY VEHICLE TYPE AND CRASH SEVERITY, 2011

  Crash severity       
  Fatal Injury Property damage only Total
Vehicle type Number Percent Number Percent Number Percent Number Percent
Passenger car   17,442 39.7% 1,571,000 57.0% 3,740,000 56.6% 5,328,000 56.6%
Light truck   16,740 38.1 1,026,000 37.2 2,582,000 39.0 3,625,000 38.5
Large truck   3,608 8.2 63,000 2.3 221,000 3.3 287,000 3.1
Motorcycle   4,749 10.8% 77,000 2.8% 18,000 0.3% 100,000 1.1%
Bus   244 0.6 13,000 0.5 44,000 0.7 57,000 0.6
Other   535 1.2 6,000 0.2 7,000 0.1 14,000 0.1
Total    43,495 (1)  100.0% 2,756,000 100.0% 6,612,000 100.0% 9,412,000 100.0%

(1) Includes 627 vehicles of unknown type involved in fatal crashes.

Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.

TOP 10 BANK HOLDING COMPANIES BY INSURANCE UNDERWRITING NET INCOME, 2014 (1)

($000)
Rank Bank holding company State Total insurance
underwriting
net income		 Total net
income/loss		 Insurance net
income as a
percent of total
net income		 2014 Assets
1 Wells Fargo & Company California $704,000 $23,057,000 3.05% $1,687,154,000
2 Citigroup Inc. New York 351,000 7,313,000 4.80 1,842,415,000
3 Ally Financial Inc. Michigan  173,000 1,150,000 15.04 151,828,000
4 American Express Company New York 85,000 5,885,000 1.44 158,588,000
5 BB&T Corporation North Carolina 51,742 2,151,093 2.41 186,810,156
6 Old National Bancorp Indiana 44,832 103,667 43.25 11,647,778
7 Bank of America Corporation North Carolina 34,000 4,833,000 0.70 2,100,265,000
8 The PNC Financial Services Group, Inc. Pennsylvania 18,085 4,184,251 0.43 345,243,081
9 Hilltop Holdings, Inc. Texas 16,615 111,650 14.88 9,238,537
10 The Goldman Sachs Group, Inc. New York 11,000 8,477,000 0.13 853,125,000

(1) Bank holding companies own one or more banks.

Source: Michael White's Bank Insurance Fee Income Report – 2015.

TOP 10 BANK HOLDING COMPANIES BY INSURANCE BROKERAGE FEE INCOME, 2013-2014 (1)

($000)
      Insurance brokerage fee income  
Rank Bank holding company State 2013 2014 Percent
change,
2013-2014		 Percent of
noninterest
income,
2014		 2014 Assets
1 BB&T Corporation North Carolina $1,377,772 $1,504,913 9.23% 39.84% $186,810,156
2 Wells Fargo & Company California 1,463,000 1,317,000 -9.98 3.30 1,687,154,000
3 Citigroup Inc. New York 733,000 721,000 -1.64 2.47 1,842,415,000
4 American Express Company New York 184,000 184,000 (2) 0.64 158,588,000
5 Regions Financial Corporation Alabama 114,412 124,036 8.41 6.44 119,888,669
6 Bancorpsouth, Inc. Mississippi 98,141 115,237 17.42 45.58 13,326,530
7 Morgan Stanley New York 99,000 76,000 -23.23 0.25 798,815,000
8 First Command Financial Services Texas 76,736 75,599 -1.48 31.79 929,910
9 Discover Financial Services Illinois 78,906 72,527 -8.08 4.23 82,801,232
10 First Niagara Financial Group, Inc. New York 72,558 71,125 -1.97 24.30 38,492,000

(1) Bank holding companies own one or more banks. Includes income from nonunderwriting activities, mostly insurance product sales and
referrals, service charges and commissions, and fees earned from insurance and annuity sales.
(2) Less than 0.01 percent.

Source: Michael White's Bank Insurance Fee Income Report – 2015.

Operating Results For 2014 And 2013

($ millions)
FIRST HALF 2014 2013
NET WRITTEN PREMIUMS 246,411 236,934
PERCENT CHANGE (%) 4 4.3
NET EARNED PREMIUMS 237,827 228,164
PERCENT CHANGE (%) 4.2 4.2
INCURRED LOSSES & LOSS ADJUSTMENT EXPENSES 168,112 157,976
PERCENT CHANGE (%) 6.4 -1.4
STATUTORY UNDERWRITING GAINS (LOSSES) 1,221 3,161
POLICYHOLDERS’ DIVIDENDS 938 1,001
NET UNDERWRITING GAINS (LOSSES) 284 2,160
PRETAX OPERATING INCOME 23,909 25,784
NET INVESTMENT INCOME EARNED 22,961 23,280
NET REALIZED CAPITAL GAINS (LOSSES) 7,169 3,866
NET INVESTMENT GAINS 30,130 27,147
NET INCOME (LOSS) AFTER TAXES 25,980 24,428
PERCENT CHANGE (%) 6.4 41.9
SURPLUS (CONSOLIDATED) 671,575 613,515
LOSS & LOSS ADJUSTMENT EXPENSE RESERVES 578,342 577,088
COMBINED RATIO, POST-DIVIDENDS (%) 98.9 98
     
SECOND QUARTER 2014 2013
NET WRITTEN PREMIUMS 124,983 119,888
PERCENT CHANGE (%) 4.2 4.6
NET EARNED PREMIUMS 120,228 115,304
PERCENT CHANGE (%) 4.3 3.9
INCURRED LOSSES & LOSS ADJUSTMENT EXPENSES 87,605 83,596
PERCENT CHANGE (%) 4.8 -1.4
STATUTORY UNDERWRITING GAINS (LOSSES) -1,801 -1,848
POLICYHOLDERS’ DIVIDENDS 270 450
NET UNDERWRITING GAINS (LOSSES) -2,071 -2,298
PRETAX OPERATING INCOME 10,133 10,011
NET INVESTMENT INCOME EARNED 11,793 11,827
NET REALIZED CAPITAL GAINS (LOSSES) 4,234 2,488
NET INVESTMENT GAINS 16,027 14,315
NET INCOME (LOSS) AFTER TAXES 12,124 10,141
PERCENT CHANGE (%) 19.6 47.4
SURPLUS (CONSOLIDATED) 671,575 613,515
LOSS & LOSS ADJUSTMENT EXPENSE RESERVES 578,342 577,088
COMBINED RATIO, POST-DIVIDENDS (%) 100.6 100.9

FIRST HALF 2014 FINANCIAL RESULTS*

($ billions)
Net Earned Premiums $237.80
Incurred Losses (Including loss adjustment expenses) 168.1
Expenses 68.5
Policyholder Dividends 0.9
Net Underwriting Gain (Loss) 0.3
Investment Income 23
Other Items 0.7
Pre-Tax Operating Gain 23.9
Realized Capital Gains (Losses) 7.2
Pre-Tax Income 31.1
Taxes 5.1
Net After-Tax Income $26.00
Surplus (End of Period) $671.60
Combined Ratio 98.9**

*Figures may not add to totals due to rounding. Calculations in text based on unrounded figures.
**Includes mortgage and financial guaranty insurers. Excluding these insurers the combined ratio was 99.0.

TOP FIVE QUESTIONABLE CLAIMS, BY INSURANCE TYPE, FIRST THREE QUARTERS 2011-2013 (1)

Rank Type of insurance 2011 2012 2013 Percent change,
first three quarters,
2011-2012		 Percent change,
first three quarters,
2012-2013
1 Workers compensation 3,591 4,470 4,662 24% 4%
2 Vehicle 26,598 31,297 32,698 18 4
3 Casualty 40,500 44,248 44,476 9 1
4 Property 11,880 16,723 16,720 41 -3
5 Commercial 1,426 1,782 1,556 25 -13
  Total questionable claims (2) 74,944 87,684 93,053 17% 6%

(1) Based on claims insurance companies refer to the National Insurance Crime Bureau (NICB) to be reviewed and investigated.
(2) Does not equal the sum of claims by type of insurance because a single questionable claim may have more than one referral reason.

Source: National Insurance Crime Bureau.

INSURANCE AND OTHER CONSUMER EXPENDITURES AS A PERCENT OF TOTAL HOUSEHOLD SPENDING, 1990-2012 (1)

  1990 1995 2000 2005 2009 2010 2011 2012
Housing 30.0% 31.7% 31.7% 31.9% 33.7% 33.7% 33.1% 32.1%
Transportation 15.9 16.4 17.5 16.0 13.4 13.9 14.7 15.5
Food 15.0 14.0 13.6 12.8 13.0 12.7 13.0 12.8
Other 10.6 10.2 10.5 10.4 10.4 10.4 10.3 10.6
Retirement (2) 8.8 8.0 7.8 10.4 10.5 10.5 10.3 10.2
Total insurance 5.8 6.8 6.3 6.5 7.2 7.3 7.2 7.4
     Health 2.0 2.7 2.6 2.9 3.6 3.8 3.9 3.9
     Vehicle 2.0 2.2 2.0 2.0 2.2 2.1 2.0 2.0
     Homeowners 0.5 0.7 0.7 0.7 0.7 0.8 0.8 0.8
     Life 1.2 1.1 1.0 0.8 0.6 0.6 0.6 0.6
     Other 0.1 0.1 0.1 0.1 (3) (3) (3) (3)
Entertainment 5.0 5.0 4.9 5.1 5.5 5.2 5.2 5.1
Clothing 5.7 5.3 4.9 4.1 3.5 3.5 3.5 3.4
Healthcare 3.1 2.7 2.8 2.8 2.7 2.8 2.8 2.9

(1) Ranked by 2012 data.
(2) Mostly payroll deductions for retirement purposes such as Social Security (77%) and private pension plans (12%) and nonpayroll deposits such as IRAs (11%) in 2012.
(3) Less than 0.1 percent.

Note: Percentages may not add due to rounding.

Source: U.S. Department of Labor, Bureau of Labor Statistics.

INSURANCE INDUSTRY’S FEDERAL AND FOREIGN INCOME TAXES INCURRED, 2008-2012

($ billions)
Year Property/casualty Life Total (1)
2008 $7.7 -$0.1 $7.7
2009 8.5 10.7 19.1
2010 9.0 9.0 17.9
2011 3.0 5.1 8.1
2012 6.3 10.2 16.4

Source: SNL Financial LC.

PRIVATE PASSENGER AUTO INSURANCE LOSSES, 2003-2012 (1)

  Liability
  Bodily injury (2) Property damage (3)
Year Claim
frequency (4)		 Claim
severity (5),(6)		 Claim
frequency (4)		 Claim
severity (5)
2003 1.12 $11,135 3.84 $2,558
2004 1.11 11,640 3.75 2,596
2005 1.04 12,282 3.55 2,717
2006 0.98 12,907 3.40 2,796
2007 0.90 13,361 3.46 2,847
2008 0.91 14,067 3.42 2,903
2009 0.89 13,891 3.49 2,869
2010 0.91 14,406 3.53 2,881
2011 0.92 14,848 3.56 2,958
2012 0.95 14,653 3.50 3,073
  Physical damage  (7)
  Collision Comprehensive (8)  
Year Claim
frequency (4)		 Claim
severity (5)		 Claim
frequency (4)		 Claim
severity (5)
2003 5.13 $2,921 2.76 $1,324
2004 4.85 3,080 2.46 1,417
2005 5.04 3,067 2.38 1,457
2006 4.87 3,194 2.40 1,528
2007 5.20 3,109 2.48 1,524
2008 5.35 3,005 2.57 1,551
2009 5.48 2,869 2.75 1,389
2010 5.69 2,778 2.62 1,476
2011 5.75 2,861 2.79 1,490
2012 5.56 2,950 2.62 1,585

(1) For all limits combined. Data are for paid claims.
(2) Excludes Massachusetts and most states with no-fault automobile insurance laws.
(3) Excludes Massachusetts, Michigan and New Jersey.
(4) Claim frequency is claims per 100 car years. A car year is equal to 365 days of insured coverage for one vehicle.
(5) Claim severity is the size of the loss, measured by the average amount paid for each claim.
(6) Includes loss adjustment expenses.
(7) Excludes Massachusetts, Michigan and Puerto Rico. Based on coverage with a $500 deductible.
(8) Excludes wind and water losses.

Source: ISO, a Verisk Analytics company.

HEALTH INSURANCE COVERAGE STATUS AND TYPE OF COVERAGE, 2008-2012

(000)
    Uninsured Insured  
Year Total U.S. population Number of people Percent of population Private health insurance Government
health insurance		 Individuals with some form of insurance (1)
2008 301,483 44,780 14.9% 202,626 87,586 256,702
2009 304,280 48,985 16.1 196,245 93,245 255,295
2010 306,553 49,951 16.3 196,147 95,525 256,603
2011 308,827 48,613 15.7 197,323 99,497 260,214
2012 311,116 47,951 15.4 198,812 101,493 263,165

(1) Includes individuals with some form of insurance (government, private or a combination of both).

Source: U.S. Department of Commerce, Census Bureau.

PASSENGER VEHICLE COLLISION COVERAGE INSURANCE LOSSES, 2010-2012 MODEL YEARS

  Claim frequency (1) Claim severity
Passenger cars and minivans 7.4 $4,323
Pickups 5.9 4,105
SUVs 6.2 4,121
All passenger vehicles 6.9 $4,245

(1) Per 100 insured vehicle years.

Source: Highway Loss Data Institute.

WORKPLACE DEATHS BY CAUSE, 2011-2012 (1)

  2011 2012 
Cause Number Number Percent of total
All transportation (includes vehicle crashes) 1,937 1,789 41%
     Vehicle crashes (2) 1,103 1,044 24
Assaults and violence (includes homicides) 791 767 17
     Homicides 468 463 11
Contact with objects and equipment 710 712 16
Falls 681 668 15
Exposure to harmful substances or environments 419 320 7
Fires and explosions 144 116 3
Total workplace fatalities 4,693 4,383 100%

(1) From intentional and unintentional sources.
(2) Roadway incidents involving motorized land vehicles.

Source: U.S. Department of Labor, Bureau of Labor Statistics, Census of Fatal Occupational Injuries.

TOP TEN STATES FOR CYBER CRIME, 2012 (1)

Rank State Percent
1 California 13.41%
2 Florida 7.98
3 Texas 7.22
4 New York 5.70
5 New Jersey 3.81
6 Pennsylvania 3.70
7 Illinois 3.50
8 Virginia 3.30
9 Ohio 3.05
10 Washington 2.72

(1) Based on complaints submitted to the Internet Crime Complaint Center via its website.

Source: Internet Crime Complaint Center.

FATAL WORLD AVIATION ACCIDENTS, 2008-2012

Year Fatal accidents (1) Fatalities (1) Accident rate (2)
2008 23 502 0.81
2009 18 685 0.71
2010 23 786 0.61
2011 22 486 0.37
2012 15 414 0.20

(1) On Eastern and Western built jet aircraft.
(2) Measured in hull losses per million flights of Western built jet aircraft. A hull loss is an accident in which the aircraft is destroyed or substantially damaged and is not subsequently repaired.

Source: International Air Transport Association.

AIRCRAFT ACCIDENTS IN THE UNITED STATES, 2012 (1)

    Number of accidents     
  Flight hours
(000)		 Total Fatal Number of
fatalities (2)		 Accidents per 100,000
flight hours
Commercial airlines          
     10 or more seats          
          Scheduled 17,449 27 0 0 0.155
          Nonscheduled 453 0 0 0 0
     Less than 10 seats          
          Commuter 320 4 0 0 1.251
          On-demand 2,902 37 9 15 1.270
General aviation 21,697 1,471 271 432 6.780
Total civil aviation NA 1,539 280 447 NA

(1) Preliminary data. Totals do not add because of collisions involving aircraft in different categories.
(2) Includes nonpassenger deaths.

NA=Data not available.

Source: National Transportation Safety Board. 

THE TEN MOST COSTLY LARGE-LOSS FIRES IN U.S. HISTORY

($ millions)
      Estimated loss (1)
Rank Date Location/event Dollars when
occurred		 In 2012
dollars (2)
1 Sep. 11, 2001 World Trade Center (terrorist attacks) $33,400 (3) $43,300 (3)
2 Apr. 18, 1906 San Francisco Earthquake and Fire 350 8,900
3 Oct. 8-9, 1871 Great Chicago Fire 168 3,200
4 Oct. 20, 1991 Oakland, CA, fire storm 1,500 2,500
5 Oct. 20, 2007 San Diego County, CA, The Southern California Wildland Fires 1,800 2,000
6 Nov. 9, 1872 Great Boston Fire 75 1,400
7 Oct. 23, 1989 Pasadena, Texas, polyolefin plant 750 1,400
8 May 4, 2000 Los Alamos, NM, Cerro Grande wildland fire 1,000 1,300
9 Oct. 25, 2003 Julian, CA, Wildfire (Cedar) 1,100 1,300
10 Feb. 7, 1904 Baltimore, MD, Baltimore Conflagration 50 1,300

(1) Loss estimates are from National Fire Protection Association (NFPA) records. The list is limited to fires for which some reliable dollar loss estimates exists.
(2) Adjustment to 2012 dollars made by the NFPA using the Consumer Price Index, including the U.S. Census Bureau's estimates of the index for historical times.
(3) Differs from inflation-adjusted estimates made by other organizations due to the use of different deflators.

Source: National Fire Protection Association.

THE TEN MOST COSTLY LARGE-LOSS FIRES, 2012 (1)

($ millions)
Rank State Type of facility Estimated loss
1 Colorado Wildfire $354
2 Maine Submarine in dry dock 400
3 Colorado Wildfire 114
4 Pennsylvania Plating shop 75
5 Georgia Vehicle parts manufacturing 50
6 Minnesota Paper mill 50
7 Illinois Galvanizing plant 31
8 Pennsylvania Single-family home 25
9 California Party goods store 25
10 Massachusetts Transformers 22

(1) Fires/explosions causing $20 million or more in property loss.

Source: National Fire Protection Association.

INTENTIONALLY SET FIRES, 2003-2012

  Structures Vehicles (2)
Year Number of fires Property loss
($ millions) (1)		 Number of fires Property loss
($ millions)
2003 37,500 $692 30,500 $132
2004 36,500 714 36,000 165
2005 31,500 664 21,000 113
2006 31,100 755 20,500 134
2007 32,500 733 20,500 145
2008 30,500 866 17,500 139
2009 26,500 684 15,000 108
2010 27,500 585 14,000 89
2011 26,500 601 13,000 88
2012 26,000 581 12,500 480 (3)

(1) Includes overall direct property loss to contents, structures, vehicles, machinery, vegetation or any other property involved in a fire. Excludes indirect losses, such as business interruption or temporary shelter costs.
(2) Includes highway vehicles, trains, boats, ships, aircraft and farm and construction vehicles.
(3) Includes $400 million in property loss from an intentionally set fire aboard the submarine USS Miami.

Source: National Fire Protection Association.

THE TEN MOST CATASTROPHIC MULTIPLE-DEATH FIRES, 2012 (1)

Rank Month State Type of facility Deaths
1 January Florida Motor vehicle crash/fire 11
2 March West Virginia Single-family home 9
3 February New Jersey Two-family home 5
4 March Arkansas Two-family home 5
5 July New Jersey Apartments – six units 5
6 October Maryland Single-family home 5
7 November Missouri Apartments – eight units 5
8 November Ohio Single-family home 5
9 December Oklahoma Single-family home 5
10 March North Carolina Aircraft crash/fire 4

(1) Fires that kill five or more people in home property, or three or more people in nonhome or nonstructural property.

Source: National Fire Protection Association.

STRUCTURE FIRES BY TYPE OF USE, 2012 (1)

Property use Estimated
number of fires		 Percent change
from 2011		 Property loss (2)
($ millions)		 Percent change
from 2011
Public assembly 12,000 4.0% $281 -37.0%
Educational 5,000 (3) 64 35.0
Institutional 6,000 -7.7 35 -32.3
Residential 381,000 -1.3 7,199 2.1
     1 and 2 family homes (4) 268,000 -2.4 5,818 1.3
     Apartments 97,000 1.6 1,192 2.1
     Other (5) 16,000 (3) 189 35.0
Stores and offices 17,500 -5.4 643 2.9
Industry, utility, defense (6) 9,000 10.0 676 9.0
Storage in structures 28,500 5.6 751 4.2
Special structures 21,500 13.2 127 -3.1
Total 480,500 -0.8% $9,776 0.9%

(1) Estimates based on data reported by fire departments responding to the 2012 National Fire Experience Survey. May not include reports from all fire departments.
(2) Includes overall direct property loss to contents, structures, vehicles, machinery, vegetation or any other property involved in a fire. Excludes indirect losses, such as business interruption or temporary shelter costs.
(3) Less than 0.1 percent.
(4) Includes manufactured homes.
(5) Includes hotels and motels, college dormitories, boarding houses, etc.
(6) Excludes incidents handled only by private brigades or fixed suppression systems.

Source: National Fire Protection Association.

CIVILIAN (NONFIREFIGHTER) FIRE DEATHS AND INJURIES BY PROPERTY USE, 2012

Property use Civilian
fire deaths		 Percent change
from 2011		 Percent of all
civilian fire deaths		 Civilian
fire injuries
Residential 2,405 -5.7% 84.3% 13,175
     1 and 2 family homes (1) 2,000 -5.0 70.1 8,825
     Apartments 380 -8.4 13.3 4,050
     Other residential (2) 25 -16.7 0.9 300
Nonresidential structures (3) 65 -27.8 2.3 1,525
Highway vehicles 300 11.1 10.5 800
Other vehicles (4) 25 16.7 0.9 175
All other fires (5) 60 -7.7 2.1 825
Total 2,855 -5.0% 100.0% 16,500

(1) Includes manufactured homes.
(2) Includes hotels and motels, college dormitories, boarding houses, etc.
(3) Includes public assembly, educational, institutional, store and office, industry, utility, storage and special structure properties.
(4) Includes trains, boats, ships, farm vehicles and construction vehicles.
(5) Includes outside properties with value, as well as brush, rubbish and other outside locations.

Source: National Fire Protection Association.

STRUCTURE FIRES, 2003-2012 (1)

Year Number of fires Year Number of fires
2003 519,500 2008 515,000
2004 526,000 2009 480,500
2005 511,000 2010 482,000
2006 524,000 2011 484,500
2007 530,500 2012 480,500

(1) Includes public assembly, educational, institutional and residential structures, stores and
offices, industry, utility, defense, storage and special structures.

Source: National Fire Protection Association.

TOP TEN GLOBAL REINSURERS BY NET REINSURANCE PREMIUMS WRITTEN, 2012 (1)

($ millions)
Rank Company Net reinsurance premiums written Country
1 Munich Reinsurance Co. $36,050.1 Germany
2 Swiss Re Ltd. 25,344.0 Switzerland
3 Hanover Re Group 15,869.9 Germany
4 Lloyd's of London 11,132.7 U.K.
5 Berkshire Hathaway Reinsurance Group 10,162.0 U.S.
6 Scor S.E.  9,391.7 (2) France
7 PartnerRe Ltd. 4,572.9 Bermuda
8 Everest Re Group Ltd. 4,081.1 Bermuda
9 Transatlantic Holdings Inc. 3,986.1 (2) U.S.
10 Korean Reinsurance Co. 3,358.2 (3) South Korea

(1) Excludes reinsurers which only underwrite life insurance.
(2) Business Insurance estimate.
(3) Fiscal year ending March 31.

Source: Business Insurance (www.businessinsurance.com), September 9, 2013.

GROSS SURPLUS LINES PREMIUMS BY STATE, 2012 (1)

($ millions)
State Total all lines
Alabama $452.1
Alaska 107.5
Arizona 339.8
Arkansas 193.6
California 5,057.1
Colorado 465.5
Connecticut 453.8
Delaware 51.9
D.C. 171.5
Florida 4,204.7
Georgia 802.5
Hawaii 184.6
Idaho 60.2
Illinois 1,075.4
Indiana 391.4
Iowa 210.3
Kansas 169.5
Kentucky 143.0
Louisiana 1,277.2
Maine 70.1
Maryland 387.1
Massachusetts 659.3
Michigan 548.8
Minnesota 356.4
Mississippi 307.2
Missouri 540.8
Montana 70.1
Nebraska 132.5
Nevada 232.0
New Hampshire 75.4
New Jersey 1,250.0 (1)
New Mexico 9.9 (2)
New York 2,625.6 (3)
North Carolina 575.8
North Dakota 84.3
Ohio 648.7
Oklahoma 282.5
Oregon 226.3
Pennsylvania 956.7 (4)
Rhode Island 21.3
South Carolina 463.4
South Dakota 41.7
Tennessee 510.1
Texas 4,339.3
Utah 170.3
Vermont 49.8
Virginia 605.4
Washington 708.6
West Virginia 82.3
Wisconsin 268.2
Wyoming 60.2
United States $28,329.2

(1) New Jersey Division of Insurance estimate.
(2) Business Insurance estimate.
(3) Adjusted to remove late-filed premiums.
(4) Pennsylvania Insurance Department estimate.

Source: Business Insurance, September 23, 2013.

TOP TEN STATES BY GROSS SURPLUS LINES PREMIUMS, 2011-2012

($ millions)
Rank State 2012 2011
1 California $5,057.1 $4,998.7
2 Texas 4,339.3 4,220.2
3 Florida 4,204.7 3,730.7
4 New York (1) 2,625.6 2,883.1
5 Louisiana 1,277.2 1,255.6
6 New Jersey (2) 1,250.0 1,096.1
7 Illinois 1,075.4 1,004.6
8 Pennsylvania (3) 956.7 870.4
9 Georgia 802.5 775.7
10 Washington 708.6 592.3

(1) Adjusted to remove late-filled premiums.
(2) New Jersey Division of Insurance estimate.
(3) Pennsylvania Insurance Department estimate.

Source: Business Insurance, September 23, 2013.

Top 10 States For Hail Losses, 2000-2013 (1)

https://www.verisk.com/insurance/campaigns/hail-claims-report/
Rank State Average
claim severity		 Rank State Average
claims loss
1 Oregon $9,100 1 Texas $859,184,000
2 Idaho 8,600 2 Minnesota 252,245,000
3 Florida 7,900 3 Oklahoma 217,950,000
4 Connecticut 7,600 4 Colorado 186,511,000
5 Washington 7,500 5 Illinois 180,037,000
6 Minnesota 7,400 6 Ohio 177,108,000
7 New Jersey 7,000 7 Georgia 166,875,000
8 Wisconsin 6,700 8 Tennessee 153,966,000
9 Ohio 6,700 9 Kansas 150,539,000
10 Virginia 6,600 10 Indiana 148,635,000

Source: Verisk Insurance Solutions, Property Hail Claims in the United States: 2000-2013, August 2014.

WORKERS COMPENSATION BENEFITS, COVERAGE AND COSTS, 2010-2011

  2010 2011 Percent change
Covered workers (000) 124,454 125,833 1.1%
Covered wages ($ billions) $5,820 $6,049 3.9
Workers compensation benefits paid ($ billions) 58.2 60.2 3.5
     Medical benefits 28.6 29.9 4.5
     Cash benefits 29.6 30.3 2.6
Employer costs for workers compensation ($ billions) 71.9 77.1 7.1

Source: National Academy of Social Insurance.

LOS DIEZ MÁS COSTOSOS TERREMOTOS EN LA HISTORIA DE LOS ESTADOS UNIDOS (1)

(MONTOS DE PÉRDIDAS ASEGURADAS AJUSTADOS A LA INFLACIÓN EN MILLONES DE DÓLARES (1))
         Pérdidas Aseguradas
En millones (2)		  
Puesto Fecha Área Afectada Pérdidas Totales
(Aseguradas o no) 		 A la Fecha
del evento		 En Dólares
de 2013 (3)		 Pérdidas
Humanas
1 Enero 17, 1994 California: Northridge, Los Angeles, San Fernando Valley, Ventura, Orange 44 15.3 24.05 61
2 Abril 18, 1906 California: San Francisco, Santa Rosa, San Jose 524 180 4.240 (4) 3
3 Octubre 17, 1989 California: Loma Prieta, Santa Cruz, San Francisco, Oakland, Berkeley, Silicon Valley 10 960 1800 68
4 Febrero 28, 2001 Washington: Olympia, Seattle, Tacoma; Oregon 2 300 395 1
5 Marzo 27-28, 1964 Alaska: Anchorage, Kodiak Island, Seward, Valdez, Portage, Whittier, Cordova, Homer, Seldovia; Hawaii; includes tsunami 540 45 340 131
6 Febrero 9, 1971 California: San Fernando Valley, Los Angeles 553 35 200 65
7 Octubre 1, 1987 California: Los Angeles, Whittier 360 75 155 8
8 Abril 4, 2010 California: San Diego, Calexico, El Centro, Los Angeles, Imperial; Arizona: Phoenix, Yuma 150 100 105 NA
9 Septiembre 3, 2000 California: Napa 80 50 68 NA
10 Junio 28, 1992 California: San Bernardino 100 40 66 1

(1) El listado de los terremotos más costosos ocurridos en los Estados Unidos entre 1950 y 2013 basados en las pérdidas aseguradas sufridas cuando sucedió el terremoto mas la inclusión del terremoto de 1906 de San Francisco, California sobre el cual se tienen datos disponibles de las perdidas aseguradas ocurridas y pagadas.
(2) Pérdidas aseguradas pueden incluir pérdidas agrícolas, marinas, de aviación o de inundación del Programa National Flood Insurance Program, si así están indicadas, sólo en los Estados Unidos, y pueden variar de datos mostrados de otras fuentes.
(3) Dólares de 2013, ajustados a la inflación por Munich Re.
(4) Dólares de 2013 ajustados a la inflación basados en datos del Bureau of Labor Statistics de 1913 (siendo estos los más recientes disponibles).

NA=No hay datos disponibles.

Fuentes: © 2014 Munich Re, Geo Risks Research, NatCatSERVICE.

LEADING LIFE INSURANCE COMPANIES, 2012

  Direct written premiums (1)
Company USD Mn
MetLife Inc.  102,321.5
Prudential Financial Inc.  85,852.8
Jackson National Life Group  24,206.9
New York Life Insurance Group  24,010.5
ING Groep N.V.  23,513.2
Lincoln National Corp.  21,004.3
Manulife Financial Corp.  20,965.7
Massachusetts Mutual Life Insurance Co.  20,751.7
AEGON NV  19,695.6
Principal Financial Group Inc.  18,337.0

(1) Includes life insurance, annuity considerations, deposit-type contract funds, other considerations; excludes accident and health insurance from life/health insurers. Before reinsurance transactions.

Source: SNL Financial LC.

LEADING U.S. PROPERTY/CASUALTY INSURANCE COMPANIES, 2012

  Direct written premiums (1)
Company USD Mn
State Farm Mutual Automobile Insurance Company 53,654.2
Liberty Mutual Insurance Company 28,297.5
Allstate Insurance Group 26,531.0
American International Group, Inc. 23,596.4
Travelers Companies, Inc. 22,696.0
National Indemnity Company and its Affiliated Insurers (2) 20,236.5
Farmers Insurance Group of Companies (3) 18,311.4
Nationwide Mutual Insurance Company 17,042.9
Progressive Insurance Group 16,559.7
United Services Automobile Association 13,286.3

(1) Before reinsurance transactions, includes some state funds.
(2) Owned by Berkshire Hathaway.
(3) Data for Farmers Group and Zurich Financial Group (which owns Farmers’ management company) are reported separately by SNL Financial.

Source: SNL Financial LC.

THE TEN MOST COSTLY U.S. EARTHQUAKES BY INFLATION-ADJUSTED INSURED LOSSES (1)

($ millions)
        Insured losses (2)  
Rank Date Location Overall losses when occurred When occurred In 2013 dollars (3) Fatalities
1 Jan. 17, 1994 California: Northridge, Los Angeles, San Fernando Valley, Ventura, Orange $44,000 $15,300 $24,050 61
2 Apr. 18, 1906 California: San Francisco, Santa Rosa, San Jose 524 180 4,240 (4) 3,000
3 Oct. 17, 1989 California: Loma Prieta, Santa Cruz, San Francisco, Oakland, Berkeley, Silicon Valley 10,000 960 1,800 68
4 Feb. 28, 2001 Washington: Olympia, Seattle, Tacoma; Oregon 2,000 300 395 1
5 Mar. 27-28, 1964 Alaska: Anchorage, Kodiak Island, Seward, Valdez, Portage, Whittier, Cordova, Homer, Seldovia; Hawaii; includes tsunami 540 45 340 131
6 Feb. 9, 1971 California: San Fernando Valley, Los Angeles 553 35 200 65
7 Oct. 1, 1987 California: Los Angeles, Whittier 360 75 155 8
8 Apr. 4, 2010 California: San Diego, Calexico, El Centro, Los Angeles, Imperial; Arizona: Phoenix, Yuma 150 100 105 NA
9 Sep. 3, 2000 California: Napa 80 50 68 NA
10 Jun. 28, 1992 California: San Bernardino 100 40 66 1

(1) Costliest U.S. earthquakes occurring from 1950 to 2013, based on insured losses when occurred. Includes the 1906 San Francisco, California earthquake, for which reliable insured losses are available.
(2) Based on property losses including, if applicable, agricultural, offshore, marine, aviation and National Flood Insurance Program losses in the United States and may differ from data shown elsewhere.
(3) Inflation-adjusted to 2013 dollars by Munich Re.
(4) Inflation-adjusted to 2013 dollars based on 1913 Bureau of Labor Statistics data (earliest year available).

NA=Data not available.

Source: © 2014 Munich Re, Geo Risks Research, NatCatSERVICE.

TOP TEN MOST FREQUENTLY STOLEN PASSENGER VEHICLES, 2012 MODEL YEAR

Rank Model Thefts
1 Nissan Altima 921
2 Chevrolet Impala 778
3 Chevrolet Malibu 727
4 Toyota Camry 665
5 Ford Fusion 655
6 Ford Pickup (Full size) 595
7 Ford Focus 523
8 Chrysler 200 449
9 Dodge Charger 416
10 Dodge Avenger 412

Source: National Insurance Crime Bureau.

TOP TEN MOST FREQUENTLY STOLEN PASSENGER VEHICLES, 2012

Rank Model (1) Thefts
1 Honda Accord 58,596
2 Honda Civic 47,037
3 Ford Pickup (Full size) 26,770
4 Chevrolet Pickup (Full size) 23,745
5 Toyota Camry 16,251
6 Dodge Caravan 11,799
7 Dodge Pickup (Full size) 11,755
8 Acura Integra 9,555
9 Nissan Altima 9,169
10 Nissan Maxima   6,947

(1) Includes all model years for each vehicle.

Source: National Insurance Crime Bureau.

CROP-HAIL INSURANCE, 2003-2012

($000)
Year Direct premiums written (1) Annual percent change Loss ratio (2) Annual point change
2003 $422,137 4.2% 56 -14 pts.
2004 427,567 1.3 58 2
2005 434,711 1.7 44 -14
2006 405,254 -6.8 50 6
2007 489,649 20.8 48 -2
2008 669,436 36.7 83 35
2009 621,322 -7.2 91 8
2010 682,188 9.8 67 -24
2011 843,801 23.7 116 49
2012 958,167 13.6 74 -42

(1) Before reinsurance transactions, total for all policyholders of crop-hail insurance.
(2) The percentage of each premium dollar spent on claims and associated costs. A drop in the loss ratio represents an improvement; an increase represents a deterioration.

Source: National Crop Insurance Services. 

WARRANTY INSURANCE, 2008-2012

($000)
Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2008 $2,086,935 NA 94.3 NA
2009 1,757,247 -15.8% 97.9 3.6 pts.
2010 1,864,139 6.1 106.4 8.5
2011 1,695,799 -9.0 97.1 -9.3
2012 1,386,731 -18.2 99.6 2.5

(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.

NA=Data not available.

Source: SNL Financial LC.

DEFENSE COSTS AND COST CONTAINMENT EXPENSES AS A PERCENT OF INCURRED LOSSES, 2010-2012 (1)

($000)
  2010 2011 2012
  Amount As a percent of
incurred losses		 Amount As a percent of
incurred losses		 Amount As a percent of
incurred losses
Products liability $899,174 54.7% $1,140,230 72.0% $873,860 114.7%
Commercial multiple peril (2) 1,881,223 44.7 1,896,935 37.6 2,022,739 46.0
Medical malpractice 1,809,106 61.4 1,793,296 57.5 1,685,867 45.7
Other liability 5,270,556 25.5 4,464,140 25.0 4,959,838 24.8
Workers compensation 2,502,138 11.2 3,087,836 12.6 3,053,222 12.4
Commercial auto liability 927,259 10.5 960,961 10.3 1,090,969 10.4
Private passenger auto liability 3,946,241 6.2 3,960,967 6.2 4,343,521 6.7
All liability lines $17,235,697 13.8% $17,304,365 13.8% $18,030,016 14.0%

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

Source: SNL Financial LC.

MULTIPLE PERIL CROP INSURANCE, 2003-2012

($000)
Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2003 $1,702,862 -15.0% 109.8 -14.6 pts.
2004 2,203,143 29.4 76.1 -33.8
2005 2,234,630 1.4 91.3 15.2
2006 2,824,769 26.4 77.9 -13.3
2007 3,648,996 29.2 74.7 -3.2
2008 5,077,625 39.2 90.1 15.3
2009 3,964,690 -21.9 79.7 -10.4
2010 3,501,631 -11.7 73.9 -5.8
2011 5,456,991 55.8 90.6 16.8
2012 4,244,123 -22.2 106.6 16.0

(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.

TOP TEN WRITERS OF MULTIPLE PERIL CROP INSURANCE BY DIRECT PREMIUMS WRITTEN, 2012 (1)

($000)
Rank Group/company Direct premiums written (2) Market share (3)
1 ACE Ltd. $2,136,144 18.7%
2 Wells Fargo & Co. 1,715,523 15.1
3 QBE Insurance Group Ltd. 1,502,461 13.2
4 American Financial Group Inc. 957,780 8.4
5 Allianz Group 858,738 7.5
6 Endurance Specialty Holdings 825,169 7.2
7 CUNA Mutual Insurance Group 637,120 5.6
8 Farmers Mutual Hail Insurance Company of IA 489,668 4.3
9 Main Street America Group 439,657 3.9
10 John Deere Insurance Co. 370,220 3.3

(1) Multiple peril crop insurance is sold and serviced by private insurers and/or subsidized and reinsured by the federal government.
(2) Before reinsurance transactions, includes state funds.
(3) Based on U.S. total, includes territories.

Source: SNL Financial LC.

BOILER AND MACHINERY INSURANCE, 2003-2012

($000)
Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2003 $1,591,987 13.1% 68.4 -5.3 pts.
2004 1,572,195 -1.2 67.1 -1.3
2005 1,582,964 0.7 60.2 -6.9
2006 1,675,347 5.8 73.1 12.9
2007 1,741,099 3.9 73.1 (4)
2008 1,728,595 -0.7 87.7 14.6
2009 1,803,376 4.3 71.7 -16.1
2010 1,721,764 -4.5 71.5 -0.2
2011 1,810,941 5.2 75.0 3.5
2012 1,887,625 4.2 80.8 5.8

(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.
(4) Less than 0.1 point.

Source: SNL Financial LC.

BURGLARY AND THEFT INSURANCE, 2003-2012

($000)
Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2003 $123,684 8.2% 66.9 13.4 pts.
2004 138,307 11.8 68.3 1.5
2005 120,170 -13.1 63.6 -4.7
2006 143,132 19.1 64.3 0.7
2007 160,703 12.3 56.4 -7.9
2008 160,434 -0.2 48.2 -8.3
2009 152,197 -5.1 59.6 11.5
2010 167,152 9.8 69.4 9.8
2011 194,661 16.5 61.6 -7.8
2012 220,756 13.4 58.6 -3.0

(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.

PROPERTY/CASUALTY GUARANTY FUND NET ASSESSMENTS BY STATE, 2012

State Net assessments (1) State Net assessments (1)
Alabama $6,551,992 Montana $7,049,239
Alaska 1,565,144 Nebraska 0
Arizona 14,425,348 Nevada 0
Arkansas 0 New Hampshire 0
California 155,845,400 New Jersey 136,170,749
Colorado 0 New Mexico -2,850,941
Connecticut -1,330,803 New York 0
Delaware 0 North Carolina -11,750,000
D.C. 1,000,000 North Dakota 0
Florida 1,422,589 Ohio 0
Georgia 0 Oklahoma 0
Hawaii 35,265,797 Oregon 0
Idaho 0 Pennsylvania -16,910,000
Illinois 15,525,000 Rhode Island -450,000
Indiana 0 South Carolina 0
Iowa 0 South Dakota 491,557
Kansas 0 Tennessee 0
Kentucky 0 Texas 0
Louisiana 0 Utah 0
Maine 1,673,288 Vermont 0
Maryland -2,000,000 Virginia 0
Massachusetts 0 Washington 0
Michigan 0 West Virginia 0
Minnesota 0 Wisconsin 0
Mississippi -30,000,000 Wyoming 0
Missouri 0 United States $311,694,359

(1) Assessments less refunds and abatements (cancellations of uncalled portions of assessments when funds on hand are sufficient to pay claims). Negative numbers represent net refunds.

Source: National Conference of Insurance Guaranty Funds.

PROPERTY/CASUALTY GUARANTY FUND NET ASSESSMENTS, 1978-2012

Year Net assessments (1) Year Net assessments (1)
Pre-1978 $11,647,035 2003 $874,499,309
1978 139,349,343 2004 952,695,278
1980 17,771,834 2005 836,130,812
1985 292,417,521 2006 (3) 1,344,487,899
1990 433,562,308 2007 943,164,094
1995 66,562,926 (2) 2008 368,451,899
1999 179,283,004 2009 523,609,705
2000 306,444,534 2010 171,159,059
2001 712,776,721 2011 281,991,694
2002 1,184,153,880 2012 (4) 311,694,359
    Total, inception-2012 $15,215,761,488

(1) Assessments less refunds and abatements (cancellations of uncalled portions of assessments when funds on hand are sufficient to pay claims).
(2) Includes separate assessments for insolvencies due to Hurricane Andrew totaling $248,542,070 from 1993 to 1995.
(3) Includes New York and New York Workers Compensation after 2005.
(4) Includes Arizona Workers Compensation after 2011.

Source: National Conference of Insurance Guaranty Funds.

TOP TEN U.S. PROPERTY/CASUALTY REINSURERS OF U.S. BUSINESS BY GROSS PREMIUMS WRITTEN, 2012

($000)
Rank Company (1) Country of parent company Gross premiums written
1 National Indemnity Company (Berkshire Hathaway) (2) U.S. $7,242,437
2 QBE North America Australia 6,568,732
3 Swiss Reinsurance America Corporation Switzerland 4,327,392
4 Munich Re America, Corp. Germany 4,070,596
5 Everest Reinsurance Company  Bermuda 3,456,915
6 Transatlantic Reinsurance Company/FairCo U.S. 3,280,711
7 XL Reinsurance America Ireland 3,070,123
8 Odyssey Reinsurance Group Canada 2,589,229
9 Berkley Insurance Company  U.S. 1,916,915
10  Partner Reinsurance Company Bermuda 1,226,831

(1) See Reinsurance Underwriting Report footnotes posted at http://www.reinsurance.org for list of affiliated companies included.
(2) Underwriting results exclude assumptions from affiliated General Re Group.

Source: Reinsurance Association of America.

BANK SHARE OF FIXED AND VARIABLE ANNUITY PREMIUMS, 2003-2012

($ billions)
  Fixed annuity premiums Variable annuity premiums
Year Total market Banks Bank share Total market Banks Bank share
2003 $83.4 $32.0 38.4% $129.4 $18.1 14.0%
2004 81.9 30.3 37.0 132.9 18.0 13.5
2005 73.6 21.8 29.6 136.9 17.7 12.9
2006 72.4 20.1 27.8 160.4 21.6 13.5
2007 72.8 16.9 23.2 184.0 25.5 13.9
2008 109.3 33.3 30.5 155.7 18.7 12.0
2009 110.6 31.4 28.4 128.0 13.1 10.2
2010 81.9 17.3 21.1 140.5 15.6 11.1
2011 80.5 17.6 21.9 157.9 18.0 11.4
2012 72.3 12.2 16.9 147.4 17.4 11.8

Source: Bank Insurance and Securities Research Associates (BISRA).

ESTIMATED PERCENTAGE OF UNINSURED MOTORISTS BY STATE, 2009 (1)

State Uninsured Rank (2) State Uninsured Rank (2)
Alabama 21.8% 5 Montana 11.4% 25
Alaska 13.0 21 Nebraska 7.8 38
Arizona 11.9 23 Nevada 13.2 20
Arkansas 16.0 11 New Hampshire 10.9 27
California 15.0 15 New Jersey 11.2 26
Colorado 15.2 14 New Mexico 25.7 2
Connecticut 9.5 33 New York 5.4 41
Delaware 10.8 28 North Carolina 13.5 19
D.C. 15.3 13 North Dakota 9.1 34
Florida (3) 23.5 4 Ohio 15.7 12
Georgia 15.7 12 Oklahoma 23.9 3
Hawaii 11.2 26 Oregon 10.4 30
Idaho 7.9 37 Pennsylvania 6.6 40
Illinois 14.9 16 Rhode Island 17.6 8
Indiana 16.3 9 South Carolina 10.7 29
Iowa 11.5 24 South Dakota 8.6 35
Kansas 9.8 32 Tennessee 23.9 3
Kentucky 17.8 7 Texas 14.9 16
Louisiana 12.9 22 Utah 8.2 36
Maine 4.5 42 Vermont 7.1 39
Maryland 14.9 16 Virginia 10.8 28
Massachusetts 4.5 42 Washington 16.1 10
Michigan 19.5 6 West Virginia 10.8 28
Minnesota 13.0 21 Wisconsin 14.6 17
Mississippi 28.0 1 Wyoming 10.3 31
Missouri 13.7 18      

(1) 2012 data not yet available. Percentage of uninsured drivers, as measured by the ratio of uninsured motorists (UM) claims to bodily injury (BI) claims frequencies.
(2) Rank calculated from unrounded data.
(3) In Florida, compulsory auto laws apply to personal injury protection (PIP) and physical damage, but not to third party bodily injury coverage.

Source: Insurance Research Council.

TOP TEN HIGHEST AND LOWEST STATES BASED ON ESTIMATED PERCENTAGE OF UNINSURED MOTORISTS, 2009 (1)

Rank Highest Percent uninsured Rank Lowest Percent uninsured
1 Mississippi 28.0% 1 Massachusetts 4.5%
2 New Mexico 25.7 2 Maine 4.5
3 Tennessee 23.9 3 New York 5.4
4 Oklahoma 23.9 4 Pennsylvania 6.6
5 Florida 23.5 5 Vermont 7.1
6 Alabama 21.8 6 Nebraska 7.8
7 Michigan 19.5 7 Idaho 7.9
8 Kentucky 17.8 8 Utah 8.2
9 Rhode Island 17.6 9 South Dakota 8.6
10 Indiana 16.3 10 North Dakota 9.1

(1) Percentage of uninsured drivers, as measured by the ratio of uninsured motorists (UM) claims to bodily injury (BI) claims frequencies.

Source: Insurance Research Council.

UNINSURED MOTORISTS, 1990-2009 (1)

Year Percent
1990 15.4%
1991 15.1
1992 15.6
1993 16.0
1994 15.1
1995 14.2
1996 13.8
1997 13.2
1998 13.0
1999 12.7
2000 13.4
2001 14.2
2002 14.5
2003 14.9
2004 14.6
2005 14.5
2006 14.3
2007 13.8
2008 14.3
2009 13.8

(1) Percentage of uninsured drivers, as measured by the ratio of uninsured motorists (UM) claims to bodily injury (BI) claims frequencies.

Source: Insurance Research Council.

REINSURANCE, 2003-2012 (1)

($000)
Year Net premiums written Annual percent change Combined ratio (2) Annual point change
2003 $30,630,787 3.8% 101.2 -20.1 pts.
2004 28,759,085 -6.1 106.2 5.0
2005 25,330,697 -11.9 129.4 23.2
2006 25,834,026 2.0 94.9 -34.5
2007 22,711,994 -12.1 94.7 -0.2
2008 23,920,333 5.3 101.8 7.1
2009 23,906,150 -0.1 93.5 -8.3
2010 23,305,291 -2.5 95.4 1.9
2011 26,390,657 13.2 107.2 11.8
2012               29,481,444 11.7 96.2 -11.0

(1) Based on reinsurance companies responding to quarterly surveys conducted by the Reinsurance
Association of America.
(2) After dividends to policyholders.

Source: Reinsurance Association of America.

 

TOP TEN WRITERS OF INDIVIDUAL ANNUITIES THROUGH BANKS, 2012

($000)
Rank Company Variable Fixed-rate deferred Indexed Fixed immediate Total annuities
1 Jackson National Life $3,207,571 $247,036 $818,473 $7,610 $4,280,690
2 Prudential Annuities 3,267,913 689 0 0 3,268,602
3 AIG Companies 1,146,403 1,240,820 165,908 4,336 2,557,467
4 Pacific Life 1,753,141 69,787 480,904 194,891 2,498,723
5 Nationwide Financial 1,160,600 1,097,500 2,800 129,000 2,389,900
6 MetLife 1,962,009 48,509 0 40,077 2,050,595
7 Lincoln Financial Group 1,180,066 19,810 314,040 2,093 1,516,009
8 Transamerica 1,259,465 110,668 0 1,612 1,371,745
9 Symetra Financial 537 787,883 243,889 56,637 1,088,946
10 AXA Equitable 990,607 90 0 0 990,697

Source: LIMRA, U.S. Individual Annuity Yearbook-2012 (2013).

Top 10 Writers Of Private Passenger Auto Insurance In Hawaii By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Berkshire Hathaway Inc. $222,775 27.8%
2 State Farm 146,290 18.3
3 USAA Insurance Group 95,364 11.9
4 Allstate Corp. 73,542 9.2
5 Progressive 61,678 7.7
6 Farmers Insurance Group 44,312 5.5
7 Tokio Marine Group 40,233 5.0
8 Liberty Mutual 39,484 4.9
9 Island Insurance Companies 25,017 3.1
10 MS&AD Insurance Group Holdings Inc. 17,557 2.2

(1) Before reinsurance transactions.

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

Top 10 Writers Of Commercial Insurance In Hawaii By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Tokio Marine Group $212,325 14.4%
2 Island Insurance Companies 88,299 6.0
3 Chubb 73,084 5.0
4 American International Group (AIG) 71,548 4.9
5 Hawaii Employers’ Mutual Insurance Co. 68,928 4.7
6 Allianz 60,244 4.1
7 Zurich 55,277 3.7
8 Liberty Mutual 53,439 3.6
9 MS&AD Insurance Group Holdings Inc. 52,223 3.5
10 DB Insurance Co. Ltd. 48,395 3.3

(1) Before reinsurance transactions.

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

Top 10 Writers Of Homeowners Insurance In Hawaii By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $127,008 30.6%
2 Heritage Insurance 53,317 12.8
3 Tokio Marine Group 48,565 11.7
4 USAA Insurance Group 29,297 7.0
5 Allstate Corp. 24,856 6.0
6 DB Insurance Co. Ltd. 21,829 5.3
7 Liberty Mutual 17,746 4.3
8 Island Insurance Companies 16,790 4.0
9 RLI 13,119 3.2
10 American International Group (AIG) 11,506 2.8

(1) Before reinsurance transactions.

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

LEADING WRITERS OF HOMEOWNERS INSURANCE IN ARIZONA BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm Mutual Automobile Insurance $279,504 20.6%
2 Farmers Insurance Group of Cos. 198,503 14.6
3 Allstate Corp. 145,553 10.7
4 American Family Mutual 101,875 7.5
5 USAA Insurance Group 99,272 7.3
6 Liberty Mutual 85,661 6.3
7 Hartford Financial Services 42,261 3.1
8 Travelers Companies Inc. 40,265 3.0
9 MetLife Inc. 34,915 2.6
10 CSAA Insurance Exchange 28,120 2.1

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LIFE INSURANCE CLAIMS AND BENEFITS PAID BY STATE, 2012 (1)

($000)
State Claims and benefits paid
Alabama $4,890,686
Alaska 786,146
Arkansas 2,784,639
Arizona 7,500,805
California 41,886,798
Colorado 6,863,322
Connecticut 16,248,658
D.C. 1,781,718
Delaware 10,736,372
Florida 27,716,020
Georgia 9,550,848
Hawaii 2,253,240
Idaho 1,579,441
Illinois 18,006,450
Indiana 8,356,937
Iowa 5,487,144
Kansas 5,349,733
Kentucky 4,362,263
Louisiana 5,102,934
Maine 1,774,176
Maryland 8,194,850
Massachusetts 12,266,518
Michigan 14,213,682
Minnesota 8,993,581
Mississippi 2,498,713
Missouri 9,192,585
Montana 963,388
Nebraska 3,061,237
Nevada 2,601,015
New Hampshire 2,332,444
New Jersey 18,175,834
New Mexico 2,434,973
New York 35,559,412
North Carolina 13,120,047
North Dakota 848,196
Ohio 16,207,060
Oklahoma 3,716,079
Oregon 4,806,055
Pennsylvania 21,577,524
Rhode Island 1,857,320
South Carolina 5,150,284
South Dakota 1,090,580
Tennessee 7,581,860
Texas 24,405,679
Utah 3,387,341
Vermont 1,141,331
Virginia 10,157,400
Washington 7,754,328
West Virginia 1,790,565
Wisconsin 8,166,974
Wyoming 577,795
United States $436,842,982

(1) On a direct basis before reinsurance. Includes life insurance, death benefits, matured endowments, annuity benefits, and other life insurance benefits. Does not include accident and health benefits.

Source: SNL Financial LC.

INCURRED LOSSES BY STATE, WORKERS COMPENSATION INSURANCE, 2012 (1)

($000)
State Incurred losses
Alabama $169,961
Alaska 166,050
Arkansas 128,318
Arizona 503,700
California 6,330,956
Colorado 475,725
Connecticut 544,942
D.C. 59,417
Delaware 129,602
Florida 1,091,014
Georgia 692,932
Hawaii 120,171
Iowa 438,312
Idaho 211,943
Illinois 1,832,340
Indiana 494,962
Kansas 260,285
Kentucky 307,532
Louisiana 452,873
Massachusetts 549,127
Maryland 587,774
Maine 113,838
Michigan 504,838
Minnesota 509,669
Missouri 521,938
Mississippi 168,766
Montana 180,877
North Carolina 893,823
North Dakota 1,772
Nebraska 203,463
New Hampshire 147,584
New Jersey 1,382,440
New Mexico 194,004
Nevada 91,813
New York 4,005,248
Ohio 14,121
Oklahoma 712,555
Oregon 364,130
Pennsylvania 1,735,260
Rhode Island 111,681
South Carolina 377,474
South Dakota 87,981
Tennessee 504,850
Texas 1,113,694
Utah 243,182
Virginia 571,298
Vermont 99,904
Washington 3,397
Wisconsin 1,115,420
West Virginia 174,117
Wyoming 1,200
United States $31,528,312

(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance.  

Source: SNL Financial LC. 

INCURRED LOSSES BY STATE, COMMERCIAL INSURANCE, 2012 (1)

($000)
State Incurred losses
Alabama $1,511,497
Alaska 375,932
Arizona 2,010,314
Arkansas 955,738
California 17,085,643
Colorado 2,180,082
Connecticut 2,043,848
D.C. 405,764
Delaware 1,246,159
Florida 7,051,036
Georgia 3,128,859
Hawaii 376,950
Idaho 552,460
Illinois 9,498,682
Indiana 3,391,383
Iowa 3,115,480
Kansas 2,619,904
Kentucky 2,047,251
Louisiana 2,770,187
Maine 383,596
Maryland 2,422,163
Massachusetts 3,026,382
Michigan 3,395,367
Minnesota 2,375,942
Mississippi 874,963
Missouri 3,641,491
Montana 587,774
Nebraska 2,275,233
Nevada 961,173
New Hampshire 481,623
New Jersey 10,653,852
New Mexico 730,848
New York 20,562,541
North Carolina 2,890,327
North Dakota 557,456
Ohio 3,186,278
Oklahoma 2,393,522
Oregon 1,249,719
Pennsylvania 5,974,235
Rhode Island 543,341
South Carolina 1,379,868
South Dakota 1,434,348
Tennessee 2,481,783
Texas 10,761,565
Utah 797,966
Vermont 286,147
Virginia 2,425,632
Washington 1,882,467
West Virginia 631,347
Wisconsin 2,732,111
Wyoming 207,572
United States $156,555,802

(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance.   

Source: SNL Financial LC.  

INCURRED LOSSES BY STATE, HOMEOWNERS INSURANCE, 2012 (1)

($000)
State Incurred losses
Alabama $777,227
Alaska 90,821
Arizona 597,391
Arkansas 370,596
California 3,083,293
Colorado 1,748,061
Connecticut 709,831
D.C. 64,377
Delaware 101,511
Florida 2,357,730
Georgia 1,105,611
Hawaii 71,994
Idaho 161,903
Illinois 1,906,647
Indiana 1,422,852
Iowa 248,590
Kansas 484,261
Kentucky 1,202,561
Louisiana 722,618
Maine 118,490
Maryland 892,287
Massachusetts 612,814
Michigan 1,263,662
Minnesota 852,529
Mississippi 364,173
Missouri 1,250,773
Montana 121,596
Nebraska 290,594
Nevada 228,993
New Hampshire 138,462
New Jersey 2,724,824
New Mexico 259,891
New York 3,716,852
North Carolina 1,031,657
North Dakota 33,075
Ohio 1,872,415
Oklahoma 1,102,972
Oregon 299,113
Pennsylvania 1,710,433
Rhode Island 114,218
South Carolina 595,506
South Dakota 110,377
Tennessee 1,465,511
Texas 3,338,933
Utah 206,530
Vermont 72,388
Virginia 992,601
Washington 685,154
West Virginia 304,581
Wisconsin 471,813
Wyoming 60,113
United States $44,531,202

(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance.         

Source: SNL Financial LC.

INCURRED LOSSES BY STATE, PRIVATE PASSENGER AUTO INSURANCE, 2012 (1)

($000)
State Incurred losses
Alabama $1,472,119
Alaska 240,481
Arizona 2,081,948
Arkansas 888,565
California 12,092,687
Colorado 1,955,689
Connecticut 1,525,607
D.C. 156,446
Delaware 439,477
Florida 8,414,926
Georgia 3,537,248
Hawaii 317,079
Idaho 382,483
Illinois 3,530,367
Indiana 1,788,865
Iowa 768,291
Kansas 893,179
Kentucky 1,670,066
Louisiana 2,206,828
Maine 324,391
Maryland 2,497,651
Massachusetts 2,441,454
Michigan 8,180,850
Minnesota 1,617,952
Mississippi 867,647
Missouri 2,023,811
Montana 290,519
Nebraska 571,750
Nevada 1,065,391
New Hampshire 393,232
New Jersey 4,390,125
New Mexico 687,893
New York 7,896,837
North Carolina 2,892,690
North Dakota 202,940
Ohio 3,146,418
Oklahoma 1,368,190
Oregon 1,293,266
Pennsylvania 4,459,759
Rhode Island 450,968
South Carolina 1,719,316
South Dakota 246,912
Tennessee 1,970,964
Texas 9,161,966
Utah 795,945
Vermont 169,852
Virginia 2,758,727
Washington 2,354,201
West Virginia 631,987
Wisconsin 1,532,057
Wyoming 170,486
United States $112,938,497

(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance.       

Source: SNL Financial LC.

INCURRED LOSSES BY STATE, PROPERTY/CASUALTY INSURANCE, 2012 (1)

($000)
State Incurred losses
Alabama $3,936,647
Alaska 712,441
Arizona 4,746,637
Arkansas 2,246,487
California 32,649,773
Colorado 6,001,180
Connecticut 4,308,359
D.C. 705,782
Delaware 1,855,341
Florida 18,010,190
Georgia 7,932,314
Hawaii 777,130
Idaho 1,144,421
Illinois 15,215,148
Indiana 6,928,426
Iowa 4,277,735
Kansas 4,155,390
Kentucky 5,113,322
Louisiana 5,743,700
Maine 834,863
Maryland 5,872,644
Massachusetts 6,125,673
Michigan 13,026,013
Minnesota 5,020,742
Mississippi 2,151,276
Missouri 7,133,694
Montana 1,045,661
Nebraska 3,291,845
Nevada 2,283,635
New Hampshire 1,022,596
New Jersey 17,862,461
New Mexico 1,708,239
New York 32,420,005
North Carolina 6,945,953
North Dakota 842,849
Ohio 8,470,015
Oklahoma 4,976,605
Oregon 2,907,974
Pennsylvania 12,371,663
Rhode Island 1,125,213
South Carolina 3,741,491
South Dakota 1,865,783
Tennessee 6,084,705
Texas 23,694,757
Utah 1,834,997
Vermont 537,025
Virginia 6,283,486
Washington 5,021,291
West Virginia 1,593,822
Wisconsin 4,960,354
Wyoming 467,406
United States $319,985,159

(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance.

Source: SNL Financial LC.

LEADING WRITERS OF PRIVATE PASSENGER AUTO INSURANCE IN WISCONSIN BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Company/Group Direct premiums written ($000) Market share
1 American Family Mutual $504,896 20.8%
2 Progressive Corp. 381,505 15.7
3 State Farm Mutual Automobile Insurance 320,274 13.2
4 Farmers Insurance Group of Cos. 88,811 3.7
5 ACUITY 87,916 3.6
6 Allstate Corp. 87,696 3.6
7 Berkshire Hathaway Inc. 81,606 3.4
8 West Bend Mutual Insurance Co. 67,583 2.8
9 Liberty Mutual 59,238 2.4
10 Auto Club Insurance Association Group 53,010 2.2

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF LIFE INSURANCE AND ANNUITY CONSIDERATIONS IN WISCONSIN BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Group Direct premiums written ($000) Market share
1 Prudential Financial Inc. $1,179,016 12.6%
2 Jackson National Life Group 609,033 6.5
3 Northwestern Mutual Life Insurance Co. 601,806 6.4
4 MetLife Inc. 534,143 5.7
5 Manulife Financial Corp. 420,142 4.5
6 Lincoln National Corp. 378,449 4.0
7 Principal Financial Group Inc. 327,144 3.5
8 Pacific MHC 300,961 3.2
9 AEGON NV 293,436 3.1
10 ING U.S., Inc. 267,048 2.9

(1) Includes life insurance, annuity consideration, deposit-type contract funds, other considerations; excludes accident and health insurance from life/health insurers. Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF HOMEOWNERS INSURANCE IN WISCONSIN BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Company/Group Direct premiums written ($000) Market share
1 American Family Mutual $246,040 21.5%
2 State Farm Mutual Automobile Insurance 190,577 16.7
3 ACUITY 48,430 4.2
4 Farmers Insurance Group of Companies 46,495 4.1
5 Allstate Corp. 44,709 3.9
6 Auto-Owners Insurance Co. 40,642 3.6
7 Liberty Mutual 39,464 3.5
8 West Bend Mutual Insurance Co. 38,887 3.4
9 Erie Insurance Group 26,617 2.3
10 USAA Insurance Group 25,611 2.2

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF COMMERCIAL INSURANCE IN WISCONSIN BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Company/Group Direct premiums written ($000) Market share
1 Travelers Companies Inc.  $378,060 7.7%
2 West Bend Mutual Insurance Co. 252,930 5.2
3 Liberty Mutual  247,305 5.1
4 American International Group  205,720 4.2
5 QBE Insurance Group Ltd.  200,186 4.1
6 ACUITY 196,624 4.0
7 Zurich Insurance Group Ltd.  165,025 3.4
8 Sentry Insurance 152,866 3.1
9 ACE Ltd.  150,344 3.1
10 CNA Financial Corp.  141,574 2.9

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF PRIVATE PASSENGER AUTO INSURANCE IN WEST VIRGINIA BY DIRECT PREMIUMS WRITTEN, 2012

Rank Company/Group Direct premiums written ($000) Market share
1 State Farm Mutual Automobile Insurance $297,419 26.2%
2 Nationwide Mutual Group 194,369 17.2
3 Erie Insurance Group 131,951 11.6
4 Allstate Corp. 87,894 7.8
5 Berkshire Hathaway Inc. 75,848 6.7
6 Progressive Corp. 49,571 4.4
7 Liberty Mutual 48,074 4.2
8 Hartford Financial Services 44,554 3.9
9 USAA Insurance Group 33,682 3.0
10 Westfield Group 32,482 2.9

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF LIFE INSURANCE AND ANNUITY CONSIDERATIONS IN WEST VIRGINIA BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Group Direct premiums written ($000) Market share
1 Prudential Financial Inc. $296,314 13.5%
2 MetLife Inc. 223,415 10.2
3 American International Group 102,455 4.7
4 Hartford Financial Services 102,042 4.7
5 TIAA-CREF 98,782 4.5
6 Jackson National Life Group 87,859 4.0
7 Northwestern Mutual Life Insurance Co. 87,263 4.0
8 Lincoln National Corp. 70,080 3.2
9 Manulife Financial Corp. 68,251 3.1
10 New York Life Insurance Group 65,320 3.0

(1) Includes life insurance, annuity consideration, deposit-type contract funds, other considerations; excludes accident and health insurance from life/health insurers. Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF HOMEOWNERS INSURANCE IN WEST VIRGINIA BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Company/Group Direct premiums written ($000) Market share
1 State Farm Mutual Automobile Insurance $92,729 24.9%
2 Erie Insurance Group 54,100 14.5
3 Nationwide Mutual Group 51,444 13.8
4 Allstate Corp. 33,965 9.1
5 Liberty Mutual 18,843 5.1
6 Westfield Group 16,856 4.5
7 USAA Insurance Group 12,910 3.5
8 Farmers & Mechanics Mutual Insurance WV 10,168 2.7
9 State Auto Insurance Companies 9,949 2.7
10 Municipal Mutual Insurance Co. of WV 8,711 2.3

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF COMMERCIAL INSURANCE IN WEST VIRGINIA BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Company/Group Direct premiums written ($000) Market share
1 BrickStreet Mutual Insurance Co. LLC  $187,435 15.1%
2 Travelers Companies Inc.  123,956 10.0
3 American International Group  78,756 6.4
4 Erie Insurance Group  56,603 4.6
5 Zurich Insurance Group Ltd.  53,182 4.3
6 Westfield Group  51,239 4.1
7 Nationwide Mutual Group  48,299 3.9
8 Liberty Mutual  44,608 3.6
9 West Virginia Mutual Insurance Co. 28,587 2.3
10 Cincinnati Financial Corp.  27,682 2.2

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF PRIVATE PASSENGER AUTO INSURANCE IN WASHINGTON STATE BY DIRECT PREMIUMS WRITTEN, 2011 (1)

Rank Company/Group Direct premiums written ($000) Market share (percent)
1 State Farm Mutual Automobile Insurance $565,900 15.1%
2 Allstate Corp. 386,321 10.3
3 Farmers Insurance Group of Companies 373,299 10.0
4 Liberty Mutual 365,843 9.8
5 Progressive Corp. 308,446 8.2
6 Berkshire Hathaway Inc. 272,694 7.3
7 USAA Insurance Group 269,955 7.2
8 PEMCO Mutual Insurance Co. 226,662 6.1
9 Hartford Financial Services 135,478 3.6
10 American Family Mutual 112,329 3.0

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF LIFE INSURANCE AND ANNUITY CONSIDERATIONS IN WASHINGTON BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Group Direct premiums written ($000) Market share
1 Prudential Financial Inc. $1,017,055 12.9%
2 New York Life Insurance Group 441,387 5.6
3 MetLife Inc. 413,986 5.2
4 Manulife Financial Corp. 400,904 5.1
5 Jackson National Life Group 353,793 4.5
6 AEGON NV 352,035 4.5
7 Lincoln National Corp. 344,835 4.4
8 TIAA-CREF 290,434 3.7
9 Principal Financial Group Inc. 258,405 3.3
10 ING U.S., Inc. 248,244 3.1

(1) Includes life insurance, annuity consideration, deposit-type contract funds, other considerations; excludes accident and health insurance from life/health insurers. Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF HOMEOWNERS INSURANCE IN WASHINGTON STATE BY DIRECT PREMIUMS WRITTEN, 2011 (1)

Rank Company/Group Direct premiums written ($000) Market share (percent)
1 State Farm Mutual Automobile Insurance $251,971 18.6%
2 Farmers Insurance Group of Companies 202,348 14.9
3 Liberty Mutual 157,516 11.6
4 Allstate Corp. 154,828 11.4
5 USAA Insurance Group 97,050 7.2
6 PEMCO Mutual Insurance Co. 79,690 5.9
7 Hartford Financial Services 46,324 3.4
8 Mutual of Enumclaw Insurance Co. 45,983 3.4
9 MetLife Inc. 35,187 2.6
10 Travelers Companies Inc. 34,413 2.5

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF COMMERCIAL INSURANCE IN WASHINGTON STATE BY DIRECT PREMIUMS WRITTEN, 2011 (1)

Rank Company/Group Direct premiums written ($000) Market share (percent)
1 Liberty Mutual $390,796 10.4%
2 American International Group 276,155 7.3
3 Travelers Companies Inc. 224,643 6.0
4 Zurich Insurance Group Ltd. 151,086 4.0
5 CNA Financial Corp. 140,756 3.7
6 Farmers Insurance Group of Companies 135,271 3.6
7 ACE Ltd. 127,645 3.4
8 FM Global 103,921 2.8
9 Chubb Corp. 100,903 2.7
10 State Farm Mutual Automobile Insurance 100,812 2.7

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF LIFE INSURANCE AND ANNUITY CONSIDERATIONS IN VIRGINIA BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Group Direct premiums written ($000) Market share
1 Prudential Financial Inc. $1,513,739 12.0%
2 MetLife Inc. 858,381 6.8
3 Massachusetts Mutual Life Insurance Co. 740,714 5.9
4 Jackson National Life Group 712,134 5.6
5 Manulife Financial Corp. 626,828 5.0
6 Lincoln National Corp. 595,575 4.7
7 Principal Financial Group Inc. 544,583 4.3
8 New York Life Insurance Group 494,018 3.9
9 American International Group 484,179 3.8
10 AEGON NV 465,533 3.7

(1) Includes life insurance, annuity consideration, deposit-type contract funds, other considerations; excludes accident and health insurance from life/health insurers. Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF LIFE INSURANCE AND ANNUITY CONSIDERATIONS IN VERMONT BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Group Direct premiums written ($000) Market share
1 MetLife Inc. $273,178 23.8%
2 Prudential Financial Inc. 139,405 12.2
3 Manulife Financial Corp. 62,955 5.5
4 TIAA-CREF 60,934 5.3
5 Jackson National Life Group 50,215 4.4
6 New York Life Insurance Group 50,011 4.4
7 Lincoln National Corp. 32,493 2.8
8 Massachusetts Mutual Life Insurance Co. 30,575 2.7
9 Hartford Financial Services 29,297 2.6
10 National Life Group 29,159 2.5

(1) Includes life insurance, annuity consideration, deposit-type contract funds, other considerations; excludes accident and health insurance from life/health insurers. Before reinsurance transactions.

Source: SNL Financial LC.

Top 10 Writers Of Life Insurance/Annuities In Texas By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 AIG   $2,423,419 6.6%
2 Lincoln Financial   1,877,748 5.1
3 New York Life   1,846,181 5.1
4 Prudential Financial Inc.   1,544,078 4.2
5 MassMutual   1,448,141 4.0
6 John Hancock   1,365,805 3.7
7 Pacific Life   1,214,305 3.3
8 Jackson   1,208,916 3.3
9 Allianz   1,202,691 3.3
10 MetLife   1,164,260 3.2

(1) Includes life insurance, accident and health insurance, annuity considerations, deposit-type contract funds and other considerations. Before reinsurance transactions.

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

LEADING WRITERS OF PRIVATE PASSENGER AUTO INSURANCE IN TENNESSEE BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Company/Group Direct premiums written ($000) Market share
1 State Farm Mutual Automobile Insurance $729,190 24.1%
2 Tennessee Farmers Mutual Insurance Co. 570,850 18.8
3 Allstate Corp. 212,265 7.0
4 Berkshire Hathaway Inc. 191,384 6.3
5 Progressive Corp. 153,203 5.1
6 USAA Insurance Group 145,259 4.8
7 Liberty Mutual 143,384 4.7
8 Nationwide Mutual Group 137,319 4.5
9 Travelers Companies Inc. 87,892 2.9
10 Farmers Insurance Group of Cos. 84,396 2.8

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF LIFE INSURANCE AND ANNUITY CONSIDERATIONS IN TENNESSEE BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Group Direct premiums written ($000) Market share
1 Prudential Financial Inc. $1,213,916 13.4%
2 MetLife Inc. 599,087 6.6
3 Jackson National Life Group 453,800 5.0
4 Massachusetts Mutual Life Insurance Co. 418,965 4.6
5 Manulife Financial Corp. 416,707 4.6
6 Lincoln National Corp. 366,391 4.1
7 American International Group 330,386 3.7
8 ING U.S., Inc. 288,829 3.2
9 AEGON NV 285,009 3.2
10 Nationwide Mutual Group 223,247 2.5

(1) Includes life insurance, annuity consideration, deposit-type contract funds, other considerations; excludes accident and health insurance from life/health insurers. Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF HOMEOWNERS INSURANCE IN TENNESSEE BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Company/Group Direct premiums written ($000) Market share
1 State Farm Mutual Automobile Insurance $420,340 26.1%
2 Tennessee Farmers Mutual Insurance Co. 316,140 19.6
3 Allstate Corp. 141,067 8.8
4 Liberty Mutual 98,068 6.1
5 Travelers Companies Inc. 91,980 5.7
6 USAA Insurance Group 69,447 4.3
7 Farmers Insurance Group of Companies 62,346 3.9
8 Nationwide Mutual Group 61,768 3.8
9 Auto-Owners Insurance Co. 34,959 2.2
10 Erie Insurance Group 28,314 1.8

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF COMMERCIAL INSURANCE IN TENNESSEE BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Company/Group Direct premiums written ($000) Market share
1 Liberty Mutual  $548,244 12.2%
2 Travelers Companies Inc.  296,906 6.6
3 American International Group  243,756 5.4
4 ACE Ltd.  160,674 3.6
5 Zurich Insurance Group Ltd.  145,840 3.2
6 CNA Financial Corp.  123,837 2.8
7 State Volunteer Mutual 113,848 2.5
8 Auto-Owners Insurance Co.  113,539 2.5
9 Hartford Financial Services  105,956 2.4
10 Chubb Corp.  102,211 2.3

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF LIFE INSURANCE AND ANNUITY CONSIDERATIONS IN SOUTH CAROLINA BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Group Direct premiums written ($000) Market share
1 Prudential Financial Inc. $862,970 14.4%
2 MetLife Inc. 418,013 7.0
3 Jackson National Life Group 369,854 6.2
4 Lincoln National Corp. 281,283 4.7
5 Great-West Insurance Group 232,392 3.9
6 American International Group 209,524 3.5
7 New York Life Insurance Group 202,438 3.4
8 Manulife Financial Corp. 179,137 3.0
9 AEGON NV 159,377 2.7
10 Hartford Financial Services 152,712 2.5

(1) Includes life insurance, annuity consideration, deposit-type contract funds, other considerations; excludes accident and health insurance from life/health insurers. Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF LIFE INSURANCE AND ANNUITY CONSIDERATIONS IN RHODE ISLAND BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Group Direct premiums written ($000) Market share
1 Prudential Financial Inc. $231,645 11.9%
2 MetLife Inc. 192,258 9.9
3 Massachusetts Mutual Life Insurance Co 143,945 7.4
4 Jackson National Life Group 107,516 5.5
5 Manulife Financial Corp. 90,636 4.7
6 ING U.S., Inc. 83,041 4.3
7 Lincoln National Corp. 76,682 3.9
8 TIAA-CREF 71,609 3.7
9 Principal Financial Group Inc. 70,042 3.6
10 AEGON NV 69,024 3.5

(1) Includes life insurance, annuity consideration, deposit-type contract funds, other considerations; excludes accident and health insurance from life/health insurers. Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF LIFE INSURANCE AND ANNUITY CONSIDERATIONS IN PENNSYLVANIA BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Group Direct premiums written ($000) Market share
1 ING U.S., Inc. $8,659,387 25.6%
2 Prudential Financial Inc. 5,578,576 16.5
3 MetLife Inc. 2,783,593 8.2
4 Jackson National Life Group 1,340,531 4.0
5 Lincoln National Corp. 1,181,574 3.5
6 Manulife Financial Corp. 957,930 2.8
7 New York Life Insurance Group 841,681 2.5
8 TIAA-CREF 759,453 2.3
9 Massachusetts Mutual Life Insurance Co. 704,083 2.1
10 Nationwide Mutual Group 703,269 2.1

(1) Includes life insurance, annuity consideration, deposit-type contract funds, other considerations; excludes accident and health insurance from life/health insurers. Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF PRIVATE PASSENGER AUTO INSURANCE IN OREGON BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Company/Group Direct premiums written ($000) Market share
1 State Farm Mutual Automobile Insurance $439,942 21.3%
2 Farmers Insurance Group of Cos. 296,336 14.3
3 Progressive Corp. 245,559 11.9
4 Liberty Mutual  196,155 9.5
5 Allstate Corp. 161,357 7.8
6 Berkshire Hathaway Inc.  119,950 5.8
7 USAA Insurance Group  87,321 4.2
8 COUNTRY Financial 75,171 3.6
9 American Family Mutual 73,621 3.6
10 Nationwide Mutual Group 46,823 2.3

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF LIFE INSURANCE AND ANNUITY CONSIDERATIONS IN OREGON BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Group Direct premiums written ($000) Market share
1 Prudential Financial Inc. $621,222 12.7%
2 MetLife Inc. 390,696 8.0
3 StanCorp Financial Group Inc. 269,231 5.5
4 Jackson National Life Group 262,355 5.4
5 Manulife Financial Corp. 259,673 5.3
6 New York Life Insurance Group 252,071 5.2
7 Lincoln National Corp. 242,998 5.0
8 American International Group 193,978 4.0
9 ING U.S., Inc. 190,976 3.9
10 Massachusetts Mutual Life Insurance Co. 174,510 3.6

(1) Includes life insurance, annuity consideration, deposit-type contract funds, other considerations; excludes accident and health insurance from life/health insurers. Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF HOMEOWNERS INSURANCE IN OREGON BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Company/Group Direct premiums written ($000) Market share
1 State Farm Mutual Automobile Insurance $169,164 25.3%
2 Farmers Insurance Group of Companies 116,052 17.3
3 Liberty Mutual 79,005 11.8
4 Allstate Corp. 57,521 8.6
5 USAA Insurance Group 33,971 5.1
6 COUNTRY Financial 31,980 4.8
7 American Family Mutual 22,541 3.4
8 Travelers Companies Inc. 16,243 2.4
9 Hartford Financial Services 13,929 2.1
10 Nationwide Mutual Group 13,835 2.1

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF COMMERCIAL INSURANCE IN OREGON BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Company/Group Direct premiums written ($000) Market share
1 SAIF Corp. $399,849 15.6%
2 Liberty Mutual  326,367 12.8
3 Travelers Companies Inc.  136,123 5.3
4 American International Group  113,584 4.4
5 Farmers Insurance Group of Companies 100,404 3.9
6 CNA Financial Corp.  91,286 3.6
7 State Farm Mutual Automobile Insurance 70,663 2.8
8 Zurich Insurance Group Ltd.  68,729 2.7
9 Chubb Corp.  68,097 2.7
10 FM Global  61,542 2.4

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF PRIVATE PASSENGER AUTO INSURANCE IN OKLAHOMA BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Company/group Direct premiums written ($000) Market share
1 State Farm Mutual Automobile Insurance $485,486 23.1%
2 Farmers Insurance Group of Companies 312,254 14.8
3 Allstate Corp. 149,470 7.1
4 Progressive Corp. 145,173 6.9
5 USAA Insurance Group 121,829 5.8
6 OK Farm Bureau Mutual Insurance Co. 118,750 5.6
7 Liberty Mutual 115,075 5.5
8 Berkshire Hathaway Inc. 107,291 5.1
9 Shelter Mutual Insurance Co. 76,666 3.6
10 AAA Northern CA NV & Utah Insurance 54,596 2.6

(1) Before reinsurance transactions.

Source: SNL Financial LC.

 

LEADING WRITERS OF LIFE INSURANCE AND ANNUITY CONSIDERATIONS IN OKLAHOMA BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Group Direct premiums written ($000) Market share
1 Prudential Financial Inc. $374,496 9.8%
2 Jackson National Life Group 253,113 6.6
3 MetLife Inc. 243,929 6.4
4 Manulife Financial Corp. 171,814 4.5
5 Lincoln National Corp. 156,944 4.1
6 New York Life Insurance Group 144,285 3.8
7 Massachusetts Mutual Life Insurance Co. 137,323 3.6
8 Principal Financial Group Inc. 114,697 3.0
9 ING U.S., Inc. 97,818 2.6
10 American International Group 96,928 2.5

(1) Includes life insurance, annuity consideration, deposit-type contract funds, other considerations; excludes accident and health insurance from life/health insurers. Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF HOMEOWNERS INSURANCE IN OKLAHOMA BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Company/group Direct premiums written ($000) Market share
1 State Farm Mutual Automobile Insurance $354,367 27.8%
2 Farmers Insurance Group of Companies 226,966 17.8
3 Liberty Mutual 92,553 7.3
4 Allstate Corp. 80,074 6.3
5 USAA Insurance Group 77,431 6.1
6 OK Farm Bureau Mutual Insurance Co. 48,994 3.8
7 Shelter Mutual Insurance Co. 42,779 3.4
8 AAA Northern CA NV & Utah Insurance 38,739 3.0
9 Travelers Companies Inc. 33,271 2.6
10 Hartford Financial Services 27,286 2.1

(1) Before reinsurance transactions.

Source: SNL Financial LC.

 

LEADING WRITERS OF COMMERCIAL PROPERTY/CASUALTY INSURANCE IN OKLAHOMA BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Company/group Direct premiums written ($000) Market share
1 CompSource OK $284,064 8.2%
2 Travelers Companies Inc. 255,386 7.4
3 Liberty Mutual 203,373 5.9
4 Zurich Insurance Group Ltd. 184,088 5.3
5 American International Group 180,734 5.2
6 CNA Financial Corp. 124,940 3.6
7 Wells Fargo & Co. 124,580 3.6
8 Hartford Financial Services 103,484 3.0
9 Chubb Corp. 95,099 2.7
10 American Financial Group Inc. 89,221 2.6

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF PRIVATE PASSENGER AUTO INSURANCE IN OHIO BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Company/Group Direct premiums written ($000) Market share
1 State Farm Mutual Automobile Insurance $983,230 18.8%
2 Progressive Corp.  661,849 12.7
3 Allstate Corp 525,917 10.1
4 Nationwide Mutual Group 511,737 9.8
5 Grange Mutual Casualty Co. 278,282 5.3
6 Berkshire Hathaway Inc. 258,884 5.0
7 Liberty Mutual  210,097 4.0
8 Farmers Insurance Group of Cos. 155,697 3.0
9 American Family Mutual  153,347 2.9
10 Westfield Group 149,455 2.9

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF LIFE INSURANCE AND ANNUITY CONSIDERATIONS IN OHIO BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Group Direct premiums written ($000) Market share
1 Prudential Financial Inc. $3,304,259 15.5%
2 Western & Southern Financial 1,861,311 8.7
3 MetLife Inc. 1,301,026 6.1
4 Jackson National Life Group 1,098,297 5.2
5 Lincoln National Corp. 796,492 3.7
6 Nationwide Mutual Group 760,046 3.6
7 Manulife Financial Corp. 705,765 3.3
8 ING U.S., Inc. 704,799 3.3
9 New York Life Insurance Group 564,151 2.6
10 American International Group 560,468 2.6

(1) Includes life insurance, annuity consideration, deposit-type contract funds, other considerations; excludes accident and health insurance from life/health insurers. Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF HOMEOWNERS INSURANCE IN OHIO BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Company/Group Direct premiums written ($000) Market share
1 State Farm Mutual Automobile Insurance $551,163 22.7%
2 Allstate Corp. 254,649 10.5
3 Nationwide Mutual Group 209,414 8.6
4 Liberty Mutual 158,652 6.5
5 Grange Mutual Casualty Co. 127,658 5.3
6 Cincinnati Financial Corp. 103,473 4.3
7 Erie Insurance Group 98,265 4.1
8 Westfield Group 94,996 3.9
9 Farmers Insurance Group of Companies 79,558 3.3
10 Auto-Owners Insurance Co. 75,659 3.1

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF COMMERCIAL INSURANCE IN OHIO BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Company/Group Direct premiums written ($000) Market share
1 Cincinnati Financial Corp.  $408,535 7.0%
2 American International Group  341,522 5.9
3 Liberty Mutual  304,272 5.2
4 Travelers Companies Inc.  294,433 5.1
5 Westfield Group  249,167 4.3
6 CNA Financial Corp.  201,707 3.5
7 Chubb Corp.  200,038 3.5
8 Zurich Insurance Group Ltd.  182,054 3.1
9 Nationwide Mutual Group  178,099 3.1
10 ACE Ltd.  163,550 2.8

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF LIFE INSURANCE AND ANNUITY CONSIDERATIONS IN NORTH CAROLINA BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Group Direct premiums written ($000) Market share
1 Prudential Financial Inc. $1,965,954 12.4%
2 Massachusetts Mutual Life Insurance Co. 1,724,038 10.8
3 AEGON NV 1,464,246 9.2
4 MetLife Inc. 745,270 4.7
5 Jackson National Life Group 712,453 4.5
6 New York Life Insurance Group 685,188 4.3
7 Lincoln National Corp. 677,830 4.3
8 American International Group 519,530 3.3
9 Manulife Financial Corp. 398,415 2.5
10 AXA 333,781 2.1

(1) Includes life insurance, annuity consideration, deposit-type contract funds, other considerations; excludes accident and health insurance from life/health insurers. Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF LIFE INSURANCE AND ANNUITY CONSIDERATIONS IN NEW YORK BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Group Direct premiums written ($000) Market share
1 MetLife Inc. $32,245,667 44.4%
2 Prudential Financial Inc. 7,532,506 10.4
3 New York Life Insurance Group 5,071,692 7.0
4 Massachusetts Mutual Life Insurance Co. 2,912,694 4.0
5 ING U.S., Inc. 2,271,374 3.1
6 AXA 2,073,932 2.9
7 TIAA-CREF 1,973,463 2.7
8 Manulife Financial Corp. 1,660,402 2.3
9 AEGON NV 1,425,234 2.0
10 Principal Financial Group Inc. 1,384,178 1.9

(1) Includes life insurance, annuity consideration, deposit-type contract funds, other considerations; excludes accident and health insurance from life/health insurers. Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF LIFE INSURANCE AND ANNUITY CONSIDERATIONS IN NEW JERSEY BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Group Direct premiums written ($000) Market share
1 Prudential Financial Inc. $5,322,222 23.4%
2 MetLife Inc. 2,045,001 9.0
3 Guggenheim Capital LLC 1,898,055 8.4
4 Jackson National Life Group 1,001,122 4.4
5 AXA 989,471 4.4
6 American International Group 792,175 3.5
7 Lincoln National Corp. 791,621 3.5
8 AEGON NV 746,505 3.3
9 Manulife Financial Corp. 667,638 2.9
10 New York Life Insurance Group 604,896 2.7

(1) Includes life insurance, annuity consideration, deposit-type contract funds, other considerations; excludes accident and health insurance from life/health insurers. Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF LIFE INSURANCE AND ANNUITY CONSIDERATIONS IN NEW HAMPSHIRE BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Group Direct premiums written ($000) Market share
1 Prudential Financial Inc. $462,934 17.9%
2 Jackson National Life Group 214,677 8.3
3 MetLife Inc. 163,849 6.3
4 Lincoln National Corp. 149,468 5.8
5 Manulife Financial Corp. 114,619 4.4
6 Massachusetts Mutual Life Insurance Co. 113,182 4.4
7 New York Life Insurance Group 78,425 3.0
8 TIAA-CREF 78,174 3.0
9 ING U.S., Inc. 71,040 2.8
10 Allianz Group 64,657 2.5

(1) Includes life insurance, annuity consideration, deposit-type contract funds, other considerations; excludes accident and health insurance from life/health insurers. Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF PRIVATE PASSENGER AUTO INSURANCE IN MISSOURI BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Company/Group Direct premiums written ($000) Market share
1 State Farm Mutual Automobile Insurance $682,213 23.1%
2 American Family Mutual 421,177 14.3
3 Progressive Corp. 232,917 7.9
4 Farmers Insurance Group of Companies 207,021 7.0
5 Shelter Mutual Insurance Co. 166,982 5.7
6 Berkshire Hathaway Inc. 163,644 5.5
7 Liberty Mutual 157,211 5.3
8 Auto Club Exchange Group 147,452 5.0
9 Allstate Corp. 106,014 3.6
10 Nationwide Mutual Group 98,835 3.4

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF LIFE INSURANCE AND ANNUITY CONSIDERATIONS IN MISSOURI BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Group Direct premiums written ($000) Market share
1 Prudential Financial Inc. $1,006,109 9.3%
2 Protective Life Corp. 872,446 8.0
3 Berkshire Hathaway Inc. 729,768 6.7
4 AEGON NV 715,027 6.6
5 MetLife Inc. 639,741 5.9
6 American International Group 528,900 4.9
7 Jackson National Life Group 397,313 3.7
8 Lincoln National Corp. 378,458 3.5
9 Pacific MHC 330,452 3.0
10 Manulife Financial Corp. 319,718 2.9

(1) Includes life insurance, annuity consideration, deposit-type contract funds, other considerations; excludes accident and health insurance from life/health insurers. Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF HOMEOWNERS INSURANCE IN MISSOURI BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Company/Group Direct premiums written ($000) Market share
1 State Farm Mutual Automobile Insurance $432,147 26.2%
2 American Family Mutual 252,829 15.3
3 Farmers Insurance Group of Companies 131,773 8.0
4 Liberty Mutual 106,352 6.5
5 Shelter Mutual Insurance Co. 97,507 5.9
6 Auto Club Exchange Group 74,926 4.5
7 Travelers Companies Inc. 68,391 4.2
8 Allstate Corp. 65,422 4.0
9 Nationwide Mutual Group 62,043 3.8
10 USAA Insurance Group 56,630 3.4

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF COMMERCIAL INSURANCE IN MISSOURI BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Group Direct premiums written ($000) Market share
1 Travelers Companies Inc. $318,429 7.1%
2 American International Group 245,775 5.5
3 ACE Ltd. 238,004 5.3
4 Liberty Mutual 237,434 5.3
5 Zurich Insurance Group Ltd. 170,509 3.8
6 MO Employers Mutual Insurance Co. 136,517 3.1
7 CNA Financial Corp. 130,883 2.9
8 Nationwide Mutual Group 126,232 2.8
9 Hartford Financial Services 122,352 2.7
10 Chubb Corp. 108,613 2.4

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF LIFE INSURANCE AND ANNUITY CONSIDERATIONS IN MISSISSIPPI BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Group Direct premiums written ($000) Market share
1 Prudential Financial Inc. $201,687 7.2%
2 MetLife Inc. 183,450 6.5
3 American International Group 144,415 5.2
4 Jackson National Life Group 136,750 4.9
5 Lincoln National Corp. 132,223 4.7
6 New York Life Insurance Group 117,088 4.2
7 AEGON NV 96,089 3.4
8 Southern Farm Bureau Life Insurance 86,466 3.1
9 Hartford Financial Services 80,945 2.9
10 Manulife Financial Corp. 73,886 2.6

(1) Includes life insurance, annuity consideration, deposit-type contract funds, other considerations; excludes accident and health insurance from life/health insurers. Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF PRIVATE PASSENGER AUTO INSURANCE IN MINNESOTA BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Company/Group Direct premiums written ($000) Market share
1 State Farm Mutual Automobile Insurance $652,729 23.0%
2 Progressive Corp. 396,388 14.0
3 American Family Mutual 326,803 11.5
4 Farmers Insurance Group of Companies 253,986 9.0
5 Allstate Corp. 147,033 5.2
6 Liberty Mutual 93,387 3.3
7 Auto-Owners Insurance Co. 84,121 3.0
8 Auto Club Insurance Association Group 81,963 2.9
9 Berkshire Hathaway Inc. 72,987 2.6
10 USAA Insurance Group 69,889 2.5

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF LIFE INSURANCE AND ANNUITY CONSIDERATIONS IN MINNESOTA BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Group Direct premiums written ($000) Market share
1 MetLife Inc. $1,253,488 11.3%
2 Prudential Financial Inc. 762,834 6.9
3 Securian Financial Group 649,529 5.9
4 Jackson National Life Group 551,594 5.0
5 Manulife Financial Corp. 541,796 4.9
6 Lincoln National Corp. 524,261 4.7
7 Northwestern Mutual Life Insurance Co. 498,875 4.5
8 Massachusetts Mutual Life Insurance Co. 478,247 4.3
9 Ameriprise Financial Inc. 417,862 3.8
10 Principal Financial Group Inc. 415,615 3.7

(1) Includes life insurance, annuity consideration, deposit-type contract funds, other considerations; excludes accident and health insurance from life/health insurers. Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF HOMEOWNERS INSURANCE IN MINNESOTA BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Company/Group Direct premiums written ($000) Market share
1 State Farm Mutual Automobile Insurance $449,213 26.3%
2 American Family Mutual 222,143 13.0
3 Farmers Insurance Group of Companies 153,922 9.0
4 Auto-Owners Insurance Co. 95,693 5.6
5 Allstate Corp. 91,509 5.4
6 Liberty Mutual 72,640 4.3
7 Travelers Companies Inc. 59,779 3.5
8 USAA Insurance Group 48,775 2.9
9 Nationwide Mutual Group 46,249 2.7
10 Auto Club Insurance Association Group 45,188 2.6

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF COMMERCIAL INSURANCE IN MINNESOTA BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Company/Group Direct premiums written ($000) Market share
1 Allianz Group $345,598 7.0%
2 Travelers Companies Inc. 281,380 5.7
3 American International Group 238,284 4.9
4 QBE Insurance Group Ltd. 231,744 4.7
5 Liberty Mutual 181,668 3.7
6 ACE Ltd. 174,248 3.5
7 Auto-Owners Insurance Co. 162,314 3.3
8 Zurich Insurance Group Ltd. 132,571 2.7
9 Chubb Corp. 125,171 2.6
10 CNA Financial Corp. 119,243 2.4

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF PRIVATE PASSENGER AUTO INSURANCE IN MICHIGAN BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Company/Group Direct premiums written ($000) Market share
1 State Farm Mutual Automobile Insurance $1,221,332 18.4%
2 Auto Club Insurance Association Group 1,183,596 17.8
3 Auto-Owners Insurance Co. 660,448 9.9
4 Allstate Corp. 543,931 8.2
5 Progressive Corp. 522,543 7.9
6 Hanover Insurance Group Inc. 470,471 7.1
7 Michigan Farm Bureau 296,279 4.5
8 Farmers Insurance Group of Companies 278,892 4.2
9 Liberty Mutual 201,755 3.0
10 Frankenmuth Mutual Insurance Co. 149,647 2.3

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF LIFE INSURANCE AND ANNUITY CONSIDERATIONS IN MICHIGAN BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Group Direct premiums written ($000) Market share
1 Prudential Financial Inc. $11,932,430 44.5%
2 MetLife Inc. 1,310,411 4.9
3 Jackson National Life Group 1,307,508 4.9
4 TIAA-CREF 725,126 2.7
5 Lincoln National Corp. 675,856 2.5
6 Manulife Financial Corp. 666,770 2.5
7 AEGON NV 588,167 2.2
8 AXA 532,337 2.0
9 Principal Financial Group Inc. 525,802 2.0
10 ING U.S., Inc. 482,507 1.8

(1) Includes life insurance, annuity consideration, deposit-type contract funds, other considerations; excludes accident and health insurance from life/health insurers. Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF HOMEOWNERS INSURANCE IN MICHIGAN BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Company/Group Direct premiums written ($000) Market share
1 State Farm Mutual Automobile Insurance $433,479 18.4%
2 Auto-Owners Insurance Co. 343,327 14.6
3 Auto Club Insurance Association Group 322,250 13.7
4 Hanover Insurance Group Inc. 222,406 9.4
5 Allstate Corp. 217,060 9.2
6 Michigan Farm Bureau 112,155 4.8
7 Farmers Insurance Group of Companies 100,356 4.3
8 Liberty Mutual 88,487 3.8
9 Frankenmuth Mutual Insurace Co. 79,646 3.4
10 Pioneer State Mutual Insurance Co. 52,445 2.2

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF COMMERCIAL INSURANCE IN MICHIGAN BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Company/Group Direct premiums written ($000) Market share
1 Auto-Owners Insurance Co. $351,057 5.7%
2 Ally Financial Inc. 341,959 5.6
3 Travelers Companies Inc. 328,149 5.3
4 American International Group 311,962 5.1
5 Liberty Mutual 240,471 3.9
6 Accident Fund Group 187,182 3.0
7 Hanover Insurance Group Inc. 186,649 3.0
8 CNA Financial Corp. 174,977 2.8
9 Zurich Insurance Group Ltd. 172,815 2.8
10 Chubb Corp. 160,623 2.6

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF LIFE INSURANCE AND ANNUITY CONSIDERATIONS IN MASSACHUSETTS BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Group Direct premiums written ($000) Market share
1 Prudential Financial Inc. $3,731,996 20.7%
2 MetLife Inc. 2,172,699 12.0
3 Massachusetts Mutual Life Insurance Co. 2,013,473 11.1
4 Jackson National Life Group 918,547 5.1
5 Manulife Financial Corp. 904,820 5.0
6 New York Life Insurance Group 903,330 5.0
7 ING U.S., Inc. 653,500 3.6
8 TIAA-CREF 597,248 3.3
9 Lincoln National Corp. 468,377 2.6
10 AEGON NV 415,587 2.3

(1) Includes life insurance, annuity consideration, deposit-type contract funds, other considerations; excludes accident and health insurance from life/health insurers. Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF LIFE INSURANCE AND ANNUITY CONSIDERATIONS IN MARYLAND BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Group Direct premiums written ($000) Market share
1 Prudential Financial Inc. $1,422,321 13.6%
2 Principal Financial Group Inc. 658,362 6.3
3 Manulife Financial Corp. 611,202 5.8
4 MetLife Inc. 609,008 5.8
5 Lincoln National Corp. 593,105 5.7
6 Jackson National Life Group 504,236 4.8
7 Massachusetts Mutual Life Insurance Co. 454,283 4.3
8 AEGON NV 443,047 4.2
9 New York Life Insurance Group 358,744 3.4
10 TIAA-CREF 329,746 3.2

(1) Includes life insurance, annuity consideration, deposit-type contract funds, other considerations; excludes accident and health insurance from life/health insurers. Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF LIFE INSURANCE AND ANNUITY CONSIDERATIONS IN MAINE BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Group Direct premiums written ($000) Market share
1 Prudential Financial Inc. $293,923 14.6%
2 Massachusetts Mutual Life Insurance Co. 206,235 10.2
3 MetLife Inc. 126,386 6.3
4 Lincoln National Corp. 124,277 6.2
5 Manulife Financial Corp. 110,986 5.5
6 Jackson National Life Group 98,256 4.9
7 ING U.S., Inc. 96,354 4.8
8 TIAA-CREF 58,205 2.9
9 New York Life Insurance Group 57,467 2.9
10 Hartford Financial Services 49,973 2.5

(1) Includes life insurance, annuity consideration, deposit-type contract funds, other considerations; excludes accident and health insurance from life/health insurers. Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF PRIVATE PASSENGER AUTO INSURANCE IN KENTUCKY BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Company/Group Direct premiums written ($000) Market share (percent)
1 State Farm Mutual Automobile Insurance $505,354 22.1%
2 Kentucky Farm Bureau Mutual Ins Co. 476,570 20.9
3 Progressive Corp. 170,989 7.5
4 Allstate Corp. 161,430 7.1
5 Liberty Mutual 154,967 6.8
6 Berkshire Hathaway Inc. 111,309 4.9
7 USAA Insurance Group 81,434 3.6
8 Nationwide Mutual Group 81,013 3.6
9 State Auto Insurance Companies 65,958 2.9
10 Grange Mutual Casualty Co. 50,233 2.2

 

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF LIFE INSURANCE AND ANNUITY CONSIDERATIONS IN KENTUCKY BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Group Direct premiums written ($000) Market share
1 MetLife Inc. $695,611 12.0%
2 New York Life Insurance Group 668,008 11.5
3 Prudential Financial Inc. 515,189 8.9
4 Massachusetts Mutual Life Insurance Co. 320,416 5.5
5 Lincoln National Corp. 262,112 4.5
6 AEGON NV 248,591 4.3
7 Jackson National Life Group 213,795 3.7
8 Manulife Financial Corp. 186,425 3.2
9 Principal Financial Group Inc. 182,801 3.2
10 American International Group 178,116 3.1

(1) Includes life insurance, annuity consideration, deposit-type contract funds, other considerations; excludes accident and health insurance from life/health insurers. Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF HOMEOWNERS INSURANCE IN KENTUCKY BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Company/Group Direct premiums written ($000) Market share
1 KY Farm Bureau Mutual Insurance Co. $232,641 24.3%
2 State Farm Mutual Automobile Insurance 221,637 23.2
3 Liberty Mutual 83,718 8.8
4 Allstate Corp. 66,314 6.9
5 State Auto Insurance Companies 32,600 3.4
6 USAA Insurance Group 31,640 3.3
7 Travelers Companies Inc. 30,510 3.2
8 Auto-Owners Insurance Co. 28,258 3.0
9 Nationwide Mutual Group 26,303 2.8
10 Cincinnati Financial Corp. 22,348 2.3

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF COMMERCIAL INSURANCE IN KENTUCKY BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Group Direct premiums written ($000) Market share
1 Liberty Mutual $238,775 9.0%
2 Travelers Companies Inc. 161,805 6.1
3 Kentucky Employers' Mutual Insurance 125,813 4.8
4 American International Group 123,842 4.7
5 Zurich Insurance Group Ltd. 96,639 3.7
6 KY Farm Bureau Mutual Insurance Co. 90,250 3.4
7 CNA Financial Corp. 89,704 3.4
8 Cincinnati Financial Corp. 88,330 3.3
9 Chubb Corp. 66,264 2.5
10 Underwriters at Lloyd's London-KY 61,189 2.3

 

 

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF LIFE INSURANCE AND ANNUITY CONSIDERATIONS IN LOUISIANA BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Group Direct premiums written ($000) Market share
1 Prudential Financial Inc. $509,400 8.2%
2 MetLife Inc. 440,911 7.1
3 New York Life Insurance Group 352,379 5.7
4 Lincoln National Corp. 343,243 5.5
5 Jackson National Life Group 330,464 5.3
6 ING U.S., Inc. 262,793 4.2
7 American International Group 215,152 3.5
8 Great-West Insurance Group 212,418 3.4
9 Hartford Financial Services 201,766 3.2
10 Manulife Financial Corp. 188,993 3.0

(1) Includes life insurance, annuity consideration, deposit-type contract funds, other considerations; excludes accident and health insurance from life/health insurers. Before reinsurance transactions.

Source: SNL Financial LC.

EARTHQUAKE INSURANCE, DIRECT PREMIUMS WRITTEN BY STATE, 2012 (1)

($000)
Rank State Direct premiums written
1 California $1,031,393
2 Washington 146,248
3 Missouri 87,104
4 Tennessee 74,176
5 Illinois 63,655
6 Oregon 57,250
7 New York 40,623
8 Kentucky 40,003
9 Texas 39,903
10 South Carolina 35,321
11 Indiana 34,564
12 Utah 34,546
13 Florida 32,106
14 Ohio 29,328
15 Vermont 28,328
16 Arkansas 26,882
17 Alaska 25,216
18 Nevada 19,195
19 Mississippi 17,152
20 Massachusetts 17,118
21 Georgia 16,296
22 Pennsylvania 16,150
23 Virginia 15,717
24 New Jersey 15,141
25 Oklahoma 11,634
26 North Carolina 11,556
27 Colorado 10,237
28 Hawaii 10,213
29 Maryland 9,635
30 Louisiana 9,536
31 Arizona 8,963
32 Alabama 8,952
33 Michigan 8,323
34 Kansas 7,173
35 Connecticut 6,782
36 Minnesota 6,070
37 Wisconsin 6,069
38 Iowa 5,090
39 Montana 4,195
40 Idaho 2,965
41 Wyoming 2,948
42 Nebraska 2,656
43 New Hampshire 2,570
44 D.C. 2,349
45 New Mexico 2,317
46 West Virginia 1,933
47 Maine 1,633
48 Rhode Island 1,430
49 Delaware 1,146
50 North Dakota 762
51 South Dakota 687
  United States $2,091,239

(1) Includes the California Earthquake Authority, a state fund.

Source: SNL Financial LC.

LEADING WRITERS OF PRIVATE PASSENGER AUTO INSURANCE IN IDAHO BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Company/Group Direct premiums written ($000) Market share
1 State Farm Mutual Automobile Insurance $96,612 14.4%
2 Farmers Insurance Group of Companies 85,365 12.7
3 Farm Bureau Mutual Insurance Co. of ID 68,072 10.1
4 Allstate Corp. 65,794 9.8
5 Liberty Mutual 57,718 8.6
6 Progressive Corp. 57,685 8.6
7 Berkshire Hathaway Inc. 51,742 7.7
8 USAA Insurance Group 31,142 4.6
9 American Family Mutual 21,880 3.3
10 Sentry Insurance 15,365 2.3

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF LIFE INSURANCE AND ANNUITY CONSIDERATIONS IN IDAHO BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Group Direct premiums written ($000) Market share
1 Prudential Financial Inc. $194,655 11.8%
2 Jackson National Life Group 97,007 5.9
3 Manulife Financial Corp. 76,358 4.6
4 Lincoln National Corp. 70,041 4.2
5 Northwestern Mutual Life Insurance Co. 68,912 4.2
6 New York Life Insurance Group 54,330 3.3
7 American International Group 53,123 3.2
8 MetLife Inc. 51,884 3.1
9 Nationwide Mutual Group 48,479 2.9
10 AEGON NV 43,626 2.6

(1) Includes life insurance, annuity consideration, deposit-type contract funds, other considerations; excludes accident and health insurance from life/health insurers. Before reinsurance transactions.

Source: SNL Financial LC.

 

LEADING WRITERS OF HOMEOWNERS INSURANCE IN IDAHO BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Company/Group Direct premiums written ($000) Market share
1 State Farm Mutual Automobile Insurance $46,222 17.0%
2 Farmers Insurance Group of Companies 38,317 14.1
3 Liberty Mutual 28,804 10.6
4 Allstate Corp. 27,723 10.2
5 Farm Bureau Mutual Insurance Company of ID 22,270 8.2
6 USAA Insurance Group 13,606 5.0
7 United Heritage Mutual Holding Co. 12,512 4.6
8 Travelers Companies Inc. 9,677 3.6
9 American Family Mutual 8,422 3.1
10 Nationwide Mutual Group 7,377 2.7

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF COMMERCIAL INSURANCE IN IDAHO BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Company/Group Direct premiums written ($000) Market share
1 Idaho State Insurance Fund $161,466 14.8%
2 Liberty Mutual 112,179 10.3
3 Travelers Companies Inc. 53,249 4.9
4 American International Group 38,457 3.5
5 ACE Ltd. 32,936 3.0
6 Farm Bureau Mutual Insurance Co. of ID 32,735 3.0
7 CNA Financial Corp. 31,685 2.9
8 Zurich Insurance Group Ltd. 28,793 2.6
9 Nationwide Mutual Group 26,989 2.5
10 Cincinnati Financial Corp. 25,310 2.3

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF LIFE INSURANCE AND ANNUITY CONSIDERATIONS IN GEORGIA BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Group Direct premiums written ($000) Market share
1 Prudential Financial Inc. $1,323,128 10.6%
2 Massachusetts Mutual Life Insurance Co. 834,884 6.7
3 MetLife Inc. 833,327 6.7
4 Lincoln National Corp. 652,917 5.2
5 American International Group 600,278 4.8
6 Manulife Financial Corp. 571,153 4.6
7 AEGON NV 534,182 4.3
8 Jackson National Life Group 479,565 3.8
9 Hartford Financial Services 378,993 3.0
10 New York Life Insurance Group 335,569 2.7

(1) Includes life insurance, annuity consideration, deposit-type contract funds, other considerations; excludes accident and health insurance from life/health insurers. Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF LIFE INSURANCE AND ANNUITY CONSIDERATIONS IN FLORIDA BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Group Direct premiums written ($000) Market share
1 Prudential Financial Inc. $5,172,071 16.0%
2 MetLife Inc. 2,260,888 7.0
3 AEGON NV 1,760,520 5.5
4 Jackson National Life Group 1,633,214 5.1
5 Lincoln National Corp. 1,602,380 5.0
6 American International Group 1,505,027 4.7
7 Manulife Financial Corp. 1,258,631 3.9
8 Massachusetts Mutual Life Insurance Co. 1,105,824 3.4
9 Nationwide Mutual Group 945,943 2.9
10 ING U.S., Inc. 900,463 2.8

(1) Includes life insurance, annuity consideration, deposit-type contract funds, other considerations; excludes accident and health insurance from life/health insurers. Before reinsurance transactions.

Source: SNL Financial LC.

Top 10 Writers Of Life Insurance/Annuities In D.C. By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 MetLife   $845,590 29.5%
2 Prudential Financial Inc.   354,498 12.4
3 TIAA   189,577 6.6
4 John Hancock   165,354 5.8
5 MassMutual   114,136 4.0
6 Principal Financial Group Inc.   114,027 4.0
7 Mutual of Omaha   112,024 3.9
8 Lincoln Financial   90,889 3.2
9 New York Life   85,409 3.0
10 OneAmerica   82,033 2.9

(1) Includes life insurance, accident and health insurance, annuity considerations, deposit-type contract funds and other considerations. Before reinsurance transactions.

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

LEADING WRITERS OF LIFE INSURANCE AND ANNUITY CONSIDERATIONS IN DELAWARE BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Group Direct premiums written ($000) Market share
1 MetLife Inc. $26,636,067 74.8%
2 New York Life Insurance Group 3,389,682 9.5
3 Massachusetts Mutual Life Insurance Co. 1,087,861 3.1
4 Guggenheim Capital LLC 985,137 2.8
5 Lincoln National Corp. 569,669 1.6
6 Prudential Financial Inc. 430,167 1.2
7 ELCO Mutual Life & Annuity 310,046 0.9
8 Liberty Life Assurance Company of Boston 298,414 0.8
9 Nationwide Mutual Group 279,982 0.8
10 American International Group 243,370 0.7

(1) Includes life insurance, annuity consideration, deposit-type contract funds, other considerations; excludes accident and health insurance from life/health insurers. Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF LIFE INSURANCE AND ANNUITY CONSIDERATIONS IN CONNECTICUT BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Group Direct premiums written ($000) Market share
1 Prudential Financial Inc. $7,508,677 46.6%
2 MetLife Inc. 922,127 5.7
3 ING U.S., Inc. 630,727 3.9
4 Manulife Financial Corp. 584,514 3.6
5 Aetna Inc. 569,171 3.5
6 Hartford Financial Services 478,704 3.0
7 Jackson National Life Group 374,145 2.3
8 Lincoln National Corp. 366,801 2.3
9 Northwestern Mutual Life Insurance Co. 310,200 1.9
10 Massachusetts Mutual Life Insurance Co. 299,275 1.9

(1) Includes life insurance, annuity consideration, deposit-type contract funds, other considerations; excludes accident and health insurance from life/health insurers. Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF EARTHQUAKE INSURANCE IN CALIFORNIA BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Company/group Direct premiums written ($000) Market share
1 CA Earthquake Authority $566,664 34.8%
2 Zurich Insurance Group Ltd. 143,902 8.8
3 GeoVera Insurance Holdings Ltd. 100,336 6.2
4 AXIS Capital Holdings Ltd. 73,823 4.5
5 American International Group 65,787 4.0
6 ACE Ltd. 51,975 3.2
7 Endurance Specialty Holdings 43,240 2.7
8 Chubb Corp. 42,895 2.6
9 Arch Capital Group Ltd. 41,237 2.5
10 ICW Group 40,980 2.5

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF LIFE INSURANCE AND ANNUITY CONSIDERATIONS IN CALIFORNIA BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Group Direct premiums written ($000) Market share
1 Prudential Financial Inc. $5,664,501 12.4%
2 MetLife Inc. 2,727,272 6.0
3 Manulife Financial Corp. 2,499,886 5.5
4 Jackson National Life Group 2,418,694 5.3
5 AEGON NV 2,366,589 5.2
6 Lincoln National Corp. 2,039,273 4.5
7 New York Life Insurance Group 2,031,797 4.5
8 American International Group 1,556,327 3.4
9 ING U.S., Inc. 1,405,104 3.1
10 Principal Financial Group Inc. 1,244,158 2.7

(1) Includes life insurance, annuity consideration, deposit-type contract funds, other considerations; excludes accident and health insurance from life/health insurers. Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF PRIVATE PASSENGER AUTO INSURANCE IN CALIFORNIA BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Company/group Direct premiums written ($000) Market share
1 Farmers Insurance Group of Companies $2,718,373 14.0%
2 State Farm Mutual Automobile Insurance 2,687,823 13.8
3 Allstate Corp. 1,745,215 9.0
4 Auto Club Exchange Group 1,688,450 8.7
5 Mercury General Corp. 1,642,475 8.5
6 AAA Northern CA NV & Utah Insurance 1,365,514 7.0
7 Berkshire Hathaway Inc. 1,124,482 5.8
8 USAA Insurance Group 833,019 4.3
9 Progressive Corp. 799,498 4.1
10 Liberty Mutual 694,761 3.6

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF COMMERCIAL PROPERTY/CASUALTY INSURANCE IN CALIFORNIA BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Company/group Direct premiums written ($000) Market share
1 American International Group $1,985,410 6.4%
2 Travelers Companies Inc. 1,959,130 6.3
3 Liberty Mutual 1,917,941 6.2
4 Zurich Insurance Group Ltd. 1,432,516 4.6
5 Farmers Insurance Group of Cos. 1,318,613 4.2
6 Hartford Financial Services 1,187,576 3.8
7 Chubb Corp. 1,018,586 3.3
8 Nationwide Mutual Group 908,002 2.9
9 State Compensation Insurance Fund 903,787 2.9
10 ACE Ltd. 823,558 2.7

(1) Before reinsurance transactions.

Source: SNL Financial LC.

TOP TEN WRITERS OF FINANCIAL GUARANTY INSURANCE BY DIRECT PREMIUMS WRITTEN, 2012

($000)
Rank Group/company Direct premiums written (1) Market share (2)
1 Assured Guaranty Ltd. $339,025 41.8%
2 MBIA Inc. 205,480 25.3
3 Ambac Financial Group Inc. 112,723 13.9
4 Syncora Holdings Ltd. 47,445 5.9
5 Financial Guaranty Insurance Co. 46,713 5.8
6 CIFG Assurance North America Inc. 27,676 3.4
7 Radian Group Inc. 26,884 3.3
8 Stonebridge Casualty Insurance Co. 3,000 0.4
9 Berkshire Hathaway Inc. 1,854 0.2
10 AmTrust Financial Services 398 0.1

(1) Before reinsurance transactions.
(2) Based on U.S. total, includes territories.

Source: SNL Financial LC.

FINANCIAL GUARANTY INSURANCE, 2003-2012 (1)

($000)
Year Net premiums written (2) Annual percent change Combined ratio (3) Annual point change (4)
2003 $2,507,763 36.7% 29.4 -6.7 pts.
2004 2,133,599 -14.9 44.3 14.9
2005 2,014,467 -5.6 29.8 -14.5
2006 2,163,324 7.4 47.7 17.8
2007 3,038,889 40.5 152.4 104.8
2008 3,171,560 4.4 421.4 268.9
2009 1,793,410 -43.5 100.6 -320.7
2010 1,371,908 -23.5 228.4 127.8
2011 968,898 -29.4 219.0 -9.4
2012 692,541 -28.5 181.6 -37.4

(1) Based on insurance expense exhibit (IEE) data. Ambac did not file an IEE from 2003 to 2006; Financial Guaranty Insurance Co. did not file an IEE in 2012.
(2) After reinsurance transactions, excludes state funds.
(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.

CATASTROPHIC HURRICANE LOSSES IN THE UNITED STATES, 2003-2012

($ billions)
    Estimated insured loss     Estimated insured loss
Year Number of
catastrophic
hurricanes (1)		 Dollars when
occurred		 In 2012
dollars (2)		 Year Number of
catastrophic
hurricanes (1)		 Dollars when
occurred		 In 2012
dollars (2)
2003 2 $1.8 $2.0 2008 3 $15.2 $16.1
2004 5 22.9 27.3 2009 0 (3) NA NA
2005 6 58.3 67.3 2010 0 (3) NA NA
2006 0 (3) NA NA 2011 1 4.3 4.4
2007 0 (3) NA  NA 2012 2 19.7 19.7

(1) Hurricanes causing insured property losses of at least $25 million in 1997 dollars and affecting a significant number of policyholders and insurers. Excludes losses covered by the federally administered National Flood Insurance Program.
(2) Adjusted for inflation through 2012 by ISO using the GDP implicit price deflator.
(3) No hurricane met the PCS definition of a catastrophe.

NA=Not applicable.

Source: Property Claim Services (PCS), a  division of Verisk Analytics.

COMPONENTS OF THE COMBINED RATIO, PROPERTY/CASUALTY INSURANCE, 2003-2012 (1)

Year Loss ratio (2) Expense ratio (3) Combined ratio Dividends to policyholders (4) Combined ratio after dividends 
2003 74.7 24.9 99.6 0.5 100.1
2004 72.7 25.2 97.9 0.4 98.3
2005 74.6 25.8 100.4 0.4 100.9
2006 65.2 26.4 91.6 0.8 92.4
2007 67.7 27.3 94.9 0.6 95.5
2008 77.1 27.5 104.6 0.4 105.0
2009 72.5 28.0 100.5 0.5 101.0
2010 73.6 28.3 101.8 0.5 102.4
2011 79.3 28.4 107.7 0.4 108.1
2012 74.5 28.2 102.8 0.5 103.2

(1) Excludes state funds and other residual insurers.
(2) Incurred loss and loss adjustment expenses as a percent of earned premiums.
(3) Other underwriting expenses as a percent of written premiums.
(4) Dividends to policyholders as a percent of earned premiums.

Source: ISO, a Verisk Analytics company.

PROPERTY/CASUALTY INSURANCE INDUSTRY INCOME ANALYSIS, 2008-2012 (1)

($ billions)
  2008 2009 2010 2011 2012
Net written premiums $434.9 $418.4 $423.8 $438.0 $457.0
     Percent change -1.3% -3.8% 1.3% 3.4% 4.3%
Earned premiums $438.3 $422.3 $422.2 $434.4 $449.4
Losses incurred 286.3 253.8 257.7 290.8 279.4
Loss adjustment expenses incurred 51.7 52.5 52.9 53.8 55.6
Other underwriting expenses 119.6 117.0 119.8 124.2 129.0
Policyholder dividends 2.0 2.0 2.3 1.9 2.1
Underwriting gain/loss -21.2 -3.0 -10.5 -36.2 -16.7
Investment income 51.5 47.1 47.6 49.2 47.7
Miscellaneous income/loss 0.4 0.9 1.1 2.5 2.3
Operating income/loss 30.6 45.0 38.2 15.4 33.3
Realized capital gain/loss -19.8 -7.9 5.9 7.0 6.2
Income taxes/credit 7.8 8.4 8.8 3.0 6.0
Net income after taxes 3.0 28.7 35.2 19.5 33.5

(1) Data in this chart exclude state funds and other residual market insurers and may not agree with similar data shown elsewhere from different sources.

Source: ISO, a Verisk Analytics company.

LEADING WRITERS OF LIFE INSURANCE AND ANNUITY CONSIDERATIONS IN ARKANSAS BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Group Direct premiums written ($000) Market share
1 Prudential Financial Inc. $253,627 9.0%
2 MetLife Inc. 187,510 6.7
3 Jackson National Life Group 158,637 5.6
4 American International Group 125,717 4.5
5 New York Life Insurance Group 108,245 3.8
6 TIAA-CREF 104,150 3.7
7 Manulife Financial Corp. 97,645 3.5
8 Nationwide Mutual Group 84,306 3.0
9 Lincoln National Corp. 81,761 2.9
10 AEGON NV 73,372 2.6

(1) Includes life insurance, annuity considerations, deposit-type contract funds, other considerations; excludes accident and health insurance from life/health insurers. Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF PRIVATE PASSENGER AUTO INSURANCE IN ARKANSAS BY DIRECT PREMIUMS WRITTEN, 2011 (1)

Rank Group Direct premiums written ($000) Market share
1 State Farm Mutual Automobile Insurance $347,167 23.8%
2 Sothern Farm Bureau Casualty Insurance Group 202,378 13.9
3 Shelter Mutual Insurance Co. 124,223 8.5
4 Allstate Corp. 102,504 7.0
5 Farmers Insurance Group of Cos. 92,445 6.4
6 Progressive Corp. 83,231 5.7
7 Berkshire Hathaway Inc. 75,345 5.2
8 Nationwide Mutual Group 61,351 4.2
9 USAA Insurance Group 56,868 3.9
10 Liberty Mutual 29,225 2.0

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF HOMEOWNERS INSURANCE IN ARKANSAS BY DIRECT PREMIUMS WRITTEN, 2011 (1)

Rank Group Direct premiums written ($000) Market share
1 State Farm Mutual Automobile Insurance $167,413 24.0%
2 Farm Bureau Mutual Insurance Co. of Arkansas 132,603 19.0
3 Allstate Corp. 60,287 8.6
4 Shelter Mutual Insurance Co. 55,025 7.9
5 Farmers Insurance Group of Cos. 54,183 7.8
6 Travelers Companies Inc. 30,393 4.4
7 Nationwide Mutual Group 23,387 3.4
8 Munich-American Holding Corp. 22,532 3.2
9 USAA Insurance Group 21,521 3.1
10 Liberty Mutual 15,416 2.2

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF COMMERCIAL INSURANCE IN ARKANSAS BY DIRECT PREMIUMS WRITTEN, 2011 (1)

Rank Group Direct premiums written ($000) Market share
1 American International Group $176,962 9.1%
2 Travelers Companies Inc. 121,336 6.3
3 Farm Bureau Mutual Ins Co. of Arkansas 99,130 5.1
4 Liberty Mutual 96,592 5.0
5 CNA Financial Corp. 83,035 4.3
6 Zurich Insurance Group Ltd. 58,082 3.0
7 ACE Ltd. 48,695 2.5
8 Old Repub International Corp. 46,391 2.4
9 W.R. Berkley Corp. 46,173 2.4
10 Nationwide Mutual Group 42,112 2.2

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF LIFE INSURANCE AND ANNUITY CONSIDERATIONS IN ARIZONA BY DIRECT PREMIUMS WRITTEN, 2013 (1)

Rank Group/company Direct premiums written ($000) Market share
1 MetLife Inc. $888,154 11.4%
2 Prudential Financial Inc. 578,699 7.4
3 Lincoln National Corp. 433,478 5.6
4 Jackson National Life Group 397,345 5.1
5 American International Group 375,557 4.8
6 Nationwide Mutual Group 345,013 4.4
7 Guggenheim Capital LLC 314,211 4.0
8 New York Life Insurance Group 285,898 3.7
9 AEGON 240,525 3.1
10 Manulife Financial Corp. 194,973 2.5

(1) Includes life insurance, annuity consideration, deposit-type contract funds, other considerations; excludes accident and health insurance from life/health insurers. Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF PRIVATE PASSENGER AUTO INSURANCE IN ARIZONA BY DIRECT PREMIUMS WRITTEN, 2011 (1)

Rank Group Direct premiums written ($000) Market share
1 State Farm Mutual Automobile Insurance  $560,885 17.2%
2 Farmers Insurance Group of Cos.  382,295 11.7
3 Progressive Corp.  333,317 10.2
4 Berkshire Hathaway Inc.  308,141 9.4
5 Allstate Corp.  301,176 9.2
6 USAA Insurance Group  231,368 7.1
7 American Family Mutual  213,180 6.5
8 Liberty Mutual  123,500 3.8
9 Hartford Financial Services  109,969 3.4
10 AAA Northern CA NV & Utah Insurance  71,665 2.2

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF HOMEOWNERS INSURANCE IN ARIZONA BY DIRECT PREMIUMS WRITTEN, 2011 (1)

Rank Group Direct premiums written ($000) Market share
1 State Farm Mutual Automobile Insurance  $256,867 21.0%
2 Farmers Insurance Group of Cos.  178,530 14.6
3 Allstate Corp.  143,587 11.7
4 American Family Mutual  85,587 7.0
5 USAA Insurance Group  81,416 6.7
6 Liberty Mutual  55,137 4.5
7 Hartford Financial Services  49,362 4.0
8 Travelers Companies Inc.  39,697 3.2
9 MetLife Inc.  32,627 2.7
10 AAA Northern CA NV & Utah Insurance  23,370 1.9

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF COMMERCIAL INSURANCE IN ARIZONA BY DIRECT PREMIUMS WRITTEN, 2011 (1)

Rank Group Direct premiums written ($000) Market share
1 Travelers Companies Inc.  $225,496 7.3%
2 Liberty Mutual  219,640 7.1
3 American International Group  219,602 7.1
4 Mutual Insurance Co. of Arizona 123,335 4.0
5 CNA Financial Corp.  115,683 3.7
6 Zurich Insurance Group Ltd.  109,320 3.5
7 Hartford Financial Services  101,186 3.3
8 Farmers Insurance Group of Cos  100,790 3.2
9 CopperPoint Mutual Insurance Co.  90,315 2.9
10 ACE Ltd.  90,042 2.9

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF LIFE INSURANCE AND ANNUITY CONSIDERATIONS IN ALABAMA BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Group Direct premiums written ($000) Market share
1 Prudential Financial Inc. $476,686 8.8%
2 MetLife Inc. 380,455 7.1
3 Lincoln National Corp. 311,579 5.8
4 Jackson National Life Group 287,279 5.3
5 American International Group 244,207 4.5
6 Manulife Financial Corp. 237,486 4.4
7 New York Life Insurance Group 209,288 3.9
8 Principal Financial Group Inc. 179,635 3.3
9 Hartford Financial Services 165,076 3.1
10 Protective Life Corp. 149,934 2.8

(1) Includes life insurance, annuity consideration, deposit-type contract funds, other considerations; excludes accident and health insurance from life/health insurers. Before reinsurance transactions.

Source: SNL Financial LC.

TOP TEN WRITERS OF MORTGAGE GUARANTY INSURANCE BY DIRECT PREMIUMS WRITTEN, 2012

($000)
Rank Group/company Direct premiums written (1) Market share (2)
1 MGIC Investment Corp. $1,056,882 24.5%
2 Radian Group Inc. 891,581 20.7
3 American International Group 824,763 19.2
4 Genworth Financial Inc. 583,535 13.6
5 PMI Group Inc. 414,980 9.6
6 Old Republic International Corp. 370,282 8.6
7 CMG Mortgage Insurance Group 91,250 2.1
8 Essent US Holdings Inc. 72,672 1.7
9 ACE Ltd. 167 (3)
10 American Safety Insurance 117 (3)

(1) Before reinsurance transactions.
(2) Based on U.S. total, includes territories.
(3) Less than 0.1 percent.

Source: SNL Financial LC.

MORTGAGE GUARANTY INSURANCE, 2003-2012

($000)
Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2003 $4,285,447 7.5% 67.6 9.3 pts.
2004 4,323,071 0.9 75.6 8.0
2005 4,454,711 3.0 75.2 -0.4
2006 4,565,899 2.5 71.0 -4.2
2007 5,192,104 13.7 129.0 58.1
2008 5,371,878 3.5 219.8 90.8
2009 4,564,406 -15.0 201.9 -17.9
2010 4,248,798 -6.9 198.4 -3.6
2011 4,242,340 -0.2 219.0 20.7
2012 3,965,896 -6.5 189.7 -29.4

(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 data.

Source: SNL Financial LC.

FIDELITY BONDS, 2003-2012

($000)
Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2003 $1,191,819 15.9% 70.9 -34.2 pts.
2004 1,309,344 9.9 79.8 8.9
2005 1,216,647 -7.1 85.1 5.3
2006 1,240,822 2.0 87.2 2.1
2007 1,239,760 -0.1 76.5 -10.7
2008 1,140,617 -8.0 84.2 7.7
2009 1,098,372 -3.7 105.4 21.2
2010 1,082,534 -1.4 95.8 -9.6
2011 1,098,225 1.4 102.0 6.2
2012 1,096,345 -0.2 99.4 -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 data.

Source: SNL Financial LC.

SURETY BONDS, 2003-2012

($000)
Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2003 $3,376,967 3.5% 121.1 10.0 pts.
2004 3,802,893 12.6 120.6 -0.5
2005 3,817,496 0.4 102.1 -18.5
2006 4,434,780 16.2 81.5 -20.6
2007 4,779,117 7.8 72.2 -9.3
2008 4,960,250 3.8 67.0 -5.2
2009 4,835,409 -2.5 79.5 12.6
2010 4,851,328 0.3 70.7 -8.8
2011 4,849,480 (4) 72.9 2.2
2012 4,685,907 -3.4 76.8 3.9

(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: SNL Financial LC.

OCEAN MARINE INSURANCE, 2003-2012

($000)
Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2003 $2,588,607 3.5% 103.2 0.5 pts.
2004 2,828,685 9.3 95.5 -7.7
2005 2,948,604 4.2 114.5 19.0
2006 3,133,674 6.3 97.3 -17.2
2007 3,261,490 4.1 113.6 16.3
2008 3,098,438 -5.0 103.2 -10.5
2009 2,941,486 -5.1 91.8 -11.3
2010 2,740,956 -6.8 96.1 4.3
2011 2,760,853 0.7 100.9 4.8
2012 2,704,073 -2.1 109.2 8.3

(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.

INLAND MARINE INSURANCE, 2003-2012

($000)
Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2003 $7,784,853 10.9% 80.3 -5.7 pts.
2004 7,937,670 2.0 84.3 4.1
2005 8,248,273 3.9 90.4 6.1
2006 9,217,002 11.7 72.7 -17.7
2007 9,775,987 6.1 79.2 6.5
2008 9,408,463 -3.8 92.7 13.5
2009 8,686,660 -7.7 89.2 -3.5
2010 8,527,512 -1.8 86.0 -3.2
2011 8,768,829 2.8 97.6 11.6
2012 9,439,571 7.6 95.2 -2.4

(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 data.

Source: SNL Financial LC.

FIRE INSURANCE, 2003-2012

($000)
Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2003 $8,394,057 14.0% 79.7 -4.5 pts.
2004 8,025,042 -4.4 73.2 -6.5
2005 7,934,584 -1.1 83.3 10.1
2006 9,365,050 18.0 78.0 -5.3
2007 9,664,054 3.2 85.6 7.6
2008 9,906,059 2.5 92.3 6.7
2009 10,109,161 2.1 78.6 -13.7
2010 10,199,101 0.9 80.2 1.7
2011 10,317,968 1.2 94.1 13.9
2012 10,766,151 4.3 87.5 -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 data.

Source: SNL Financial LC.

MEDICAL MALPRACTICE INSURANCE, 2003-2012

($000)
Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2003 $8,753,854 17.6% 139.0 -0.1 pts.
2004 9,124,240 4.2 109.0 -30.1
2005 8,619,572 -5.5 95.3 -13.6
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 8,687,643 -1.6 93.1 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.

Source: SNL Financial LC.

FARMOWNERS MULTIPLE PERIL INSURANCE, 2003-2012

($000)
Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2003 $2,000,223 12.4% 99.5 -7.4 pts.
2004 2,118,097 5.9 92.1 -7.4
2005 2,258,489 6.6 95.2 3.1
2006 2,300,728 1.9 123.2 28.0
2007 2,413,562 4.9 98.1 -25.0
2008 2,586,861 7.2 119.5 21.3
2009 2,612,262 1.0 107.9 -11.6
2010 2,754,955 5.5 108.2 0.3
2011 2,932,576 6.4 117.4 9.2
2012 3,209,175 9.4 99.6 -17.9

(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.

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.

TOP TEN WRITERS OF COMMERCIAL LINES INSURANCE BY DIRECT PREMIUMS WRITTEN, 2012

($000)
Rank Group/company Direct premiums written (1) Market share (2)
1 American International Group $18,217,418 7.1%
2 Travelers Companies Inc. 15,683,525 6.1
3 Liberty Mutual 15,313,721 5.9
4 Zurich Insurance Group Ltd. (3) 10,206,436 4.0
5 ACE Ltd. 8,294,989 3.2
6 CNA Financial Corp. 8,011,222 3.1
7 Chubb Corp. 7,265,146 2.8
8 Hartford Financial Services 7,260,797 2.8
9 Nationwide Mutual Group 6,637,002 2.6
10 QBE Insurance Group Ltd. 4,704,492 1.8

(1) Before reinsurance transactions, includes state funds.
(2) Based on U.S. total, includes territories.
(3) Data for Farmers Insurance Group of Companies and Zurich Financial Group (which owns Farmers' management company) are reported separately by SNL Financial LC.

Source: SNL Financial LC.

PRODUCTS LIABILITY INSURANCE, 2003-2012

($000)
Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2003 $2,726,599 51.7% 165.8 -187.5 pts.
2004 3,401,867 24.8 152.4 -13.5
2005 3,546,009 4.2 131.1 -21.3
2006 3,621,671 2.1 77.8 -53.3
2007 3,265,035 -9.8 99.8 22.0
2008 2,777,587 -14.9 124.0 24.2
2009 2,365,681 -14.8 124.0 (4)
2010 2,050,619 -13.3 157.1 33.1
2011 2,320,540 13.2 160.0 2.9
2012 2,546,403 9.7 100.4 -59.6

(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.
(4) Less than 0.1 point.

Source: SNL Financial LC.

OTHER LIABILITY INSURANCE, 2003-2012

($000)
Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2003 $36,149,052 23.3% 112.2 -12.4 pts.
2004 39,676,116 9.8 114.1 1.9
2005 39,266,103 -1.0 110.5 -3.6
2006 42,229,148 7.5 94.8 -15.8
2007 40,997,132 -2.9 99.2 4.4
2008 38,602,734 -5.8 93.8 -5.4
2009 36,184,065 -6.3 105.5 11.7
2010 35,802,772 -1.1 108.1 2.6
2011 36,511,575 2.0 96.1 -12.0
2012 37,677,899 3.2 102.3 6.1

(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 data.

Source: SNL Financial LC.

EXCESS WORKERS COMPENSATION INSURANCE, 2008-2012

($000)
Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2008 $926,487 NA 148.3 NA
2009 941,117 1.6% 34.8 -113.5 pts.
2010 799,733 -15.0 50.9 16.0
2011 816,435 2.1 134.7 83.8
2012 815,770 -0.1 153.6 18.9

(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.

NA=Data not available.

Source: SNL Financial LC.

WORKERS COMPENSATION INSURANCE, 2003-2012

($000)
      Combined ratio (1)
Year Net premiums
written (2)		 Annual percent
change		 Calendar
year (3)		 Annual point change (4) Accident
year (5)		 Annual point change
2003 $32,885,046 7.4% 110.5 -0.8 pts. 98 -8 pts.
2004 36,735,582 11.7 106.9 -3.6 88 -10
2005 38,981,699 6.1 102.1 -4.8 87 -1
2006 41,820,419 7.3 95.4 -6.7 86 -1
2007 40,610,991 -2.9 101.7 6.3 99 13
2008 36,939,016 -9.0 101.5 -0.2 106 7
2009 32,247,870 -12.7 107.9 6.4 110 4
2010 31,643,087 -1.9 116.1 8.2 118 8
2011 35,664,230 12.7 117.6 1.5 114 -4
2012 37,943,501 6.4 109.7 -8.0 108 (6) -6

(1) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(2) After reinsurance transactions, excludes state funds.
(3) Calendar year data are from SNL Financial LC.
(4) Calculated from unrounded data.
(5) Accident year data are from the National Council on Compensation Insurance (NCCI).
(6) Estimated by NCCI.

Source: SNL Financial LC; National Council on Compensation Insurance.

TOP TEN WRITERS OF EARTHQUAKE INSURANCE BY DIRECT PREMIUMS WRITTEN, 2012

($000)
Rank Group/company Direct premiums written (1) Market share (2)
1 California Earthquake Authority $566,664 19.9%
2 State Farm Mutual Automobile Insurance 231,877 8.1
3 Zurich Insurance Group Ltd. (3) 193,214 6.8
4 American International Group 183,585 6.5
5 Travelers Companies Inc. 137,800 4.8
6 GeoVera Insurance Holdings Ltd. 121,021 4.3
7 AXIS Capital Holdings Ltd. 102,776 3.6
8 Liberty Mutual 93,982 3.3
9 ACE Ltd. 78,917 2.8
10 Swiss Re Ltd. 65,725 2.3

(1) Before reinsurance transactions, includes state funds.
(2) Based on U.S. total, includes territories.
(3) Data for Farmers Insurance Group of Companies and Zurich Financial Group (which owns Farmers' management company) are reported separately by SNL Financial LC.

Source: SNL Financial LC.

EARTHQUAKE INSURANCE, 2003-2012

($000)
Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2003 $1,048,714 5.9% 55.9 -31.0 pts.
2004 1,098,441 4.7 48.6 -7.4
2005 1,106,671 0.7 50.9 2.3
2006 1,315,423 18.9 40.4 -10.5
2007 1,246,538 -5.2 30.0 -10.4
2008 1,259,872 1.1 33.5 3.5
2009 1,288,353 2.3 36.3 2.8
2010 1,443,598 12.0 41.4 5.1
2011 1,467,372 1.6 55.8 14.4
2012 1,565,626 6.7 36.5 -19.3

(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.

DIRECT PREMIUMS WRITTEN, PROPERTY/CASUALTY INSURANCE BY STATE BY LINE, 2012 (1) (CONT’D)

($000)
State Mortgage guaranty Misc.
Alabama $66,588 $24,226
Alaska 14,452 1,179
Arizona 83,484 17,408
Arkansas 32,516 7,152
California 328,900 65,944
Colorado 104,519 10,029
Connecticut 54,720 4,688
Delaware 19,131 943
D.C. 39,139 1,275
Florida 237,607 92,793
Georgia 165,795 36,587
Hawaii 19,489 4,096
Idaho 22,408 1,709
Illinois 208,593 27,451
Indiana 101,670 8,267
Iowa 56,774 4,900
Kansas 44,425 4,657
Kentucky 37,258 4,224
Louisiana 59,713 36,195
Maine 16,806 1,432
Maryland 110,726 7,923
Massachusetts 112,148 10,188
Michigan 119,109 19,021
Minnesota 119,075 18,735
Mississippi 27,706 12,653
Missouri 88,899 11,490
Montana 11,472 2,648
Nebraska 27,225 5,645
Nevada 32,079 2,695
New Hampshire 24,805 2,723
New Jersey 145,035 19,442
New Mexico 25,703 8,784
New York 177,256 34,127
North Carolina 143,476 21,229
North Dakota 7,006 1,151
Ohio 160,970 39,586
Oklahoma 43,678 12,861
Oregon 54,581 12,483
Pennsylvania 176,256 19,242
Rhode Island 15,013 5,521
South Carolina 76,740 9,989
South Dakota 9,593 948
Tennessee 79,355 12,145
Texas 345,558 157,264
Utah 57,856 3,297
Vermont 9,173 140,652
Virginia 136,476 16,377
Washington 121,202 16,273
West Virginia 13,368 2,318
Wisconsin 87,129 8,804
Wyoming 11,839 772
United States $4,284,494 $992,141

(1) Includes some state funds.

Source: SNL Financial LC.

DIRECT PREMIUMS WRITTEN, PROPERTY/CASUALTY INSURANCE BY STATE BY LINE, 2012 (1) (CONT’D)

($000)
State Aircraft Earthquake Federal flood Credit Warranty Accident  and health Multiple peril crop
Alabama $21,005 $8,954 $27,682 $17,960 $7,638 $65,681 $73,474
Alaska 32,115 25,328 2,099 1,513 4,544 11,129 94
Arizona 56,283 8,993 16,626 14,777 36,803 89,913 21,351
Arkansas 20,365 27,038 10,604 17,792 4,739 40,096 135,211
California 154,785 1,629,422 163,313 101,255 113,997 469,021 276,675
Colorado 41,818 10,316 12,557 12,716 31,650 96,273 239,131
Connecticut 42,325 7,089 41,841 27,543 9,526 45,009 6,914
Delaware 14,840 1,148 14,585 18,082 3,250 224,738 15,708
D.C. 2,710 2,360 1,013 6,004 26 134,630 0
Florida 111,570 32,322 864,158 373,270 328,188 260,904 122,109
Georgia 79,913 16,369 53,068 42,096 22,773 167,173 151,424
Hawaii 12,442 10,513 30,648 7,178 3,794 21,089 1,893
Idaho 12,852 2,997 3,656 2,499 11,311 19,176 84,785
Illinois 84,032 64,022 27,627 93,515 469,914 310,985 764,206
Indiana 24,354 34,901 17,630 27,641 40,838 211,141 429,868
Iowa 12,018 5,091 10,586 9,353 3,537 81,335 903,351
Kansas 20,717 7,339 6,956 14,897 105,245 72,384 745,223
Kentucky 7,445 40,294 14,722 22,278 10,671 59,881 140,986
Louisiana 64,285 9,565 246,987 32,637 12,465 67,106 98,450
Maine 3,791 1,640 7,657 4,829 4,319 11,652 10,210
Maryland 19,094 10,206 34,921 19,743 13,887 80,651 40,983
Massachusetts 15,469 17,480 55,827 31,454 11,525 83,766 5,576
Michigan 36,254 8,375 16,035 63,140 508,505 168,245 202,015
Minnesota 28,887 6,075 6,601 19,471 16,479 139,435 832,811
Mississippi 11,641 17,214 32,144 16,657 5,460 61,575 135,369
Missouri 25,229 89,924 16,639 30,041 18,264 169,989 363,657
Montana 9,202 4,213 2,759 4,479 1,793 24,027 195,505
Nebraska 10,912 2,669 7,441 4,765 3,828 68,175 689,071
Nevada 29,553 19,641 7,122 15,370 5,544 34,219 4,986
New Hampshire 7,605 2,573 7,166 7,746 8,272 14,195 947
New Jersey 30,552 15,209 190,382 103,340 21,683 123,700 10,938
New Mexico 7,541 2,330 9,392 6,958 5,831 27,635 36,806
New York 52,993 40,883 136,136 162,128 69,386 388,495 53,427
North Carolina 29,752 11,750 86,117 56,054 33,363 177,199 208,247
North Dakota 7,180 824 6,087 1,482 622 14,472 973,091
Ohio 52,483 29,533 25,550 63,959 17,507 193,666 314,160
Oklahoma 18,216 11,679 8,739 20,475 17,591 54,040 271,888
Oregon 33,194 58,738 19,560 22,975 7,032 57,160 45,528
Pennsylvania 33,632 16,259 53,196 65,180 54,996 290,518 68,567
Rhode Island 14,386 1,441 18,865 4,094 995 24,906 661
South Carolina 11,420 35,533 107,685 29,558 5,140 77,842 78,880
South Dakota 6,058 689 3,379 2,113 729 30,550 719,754
Tennessee 46,250 74,710 17,610 34,265 31,077 101,578 106,567
Texas 183,034 40,849 285,558 274,602 204,684 531,197 1,050,114
Utah 26,159 35,426 2,238 10,987 6,781 53,300 4,695
Vermont 2,540 28,329 4,341 7,876 2,038 6,016 3,590
Virginia 44,147 15,807 61,317 47,468 18,871 104,683 66,529
Washington 36,163 151,438 28,016 29,867 35,384 97,784 210,476
West Virginia 3,532 1,933 12,989 5,747 3,467 28,896 2,622
Wisconsin 18,431 6,102 9,432 39,719 21,315 163,883 275,754
Wyoming 6,749 3,308 1,542 1,403 3,302 17,460 21,496
United States $1,677,926 $2,706,844 $2,848,803 $2,050,953 $2,380,573 $5,868,574 $11,215,772

(1) Includes some state funds.

Source: SNL Financial LC.

DIRECT PREMIUMS WRITTEN, PROPERTY/CASUALTY INSURANCE BY STATE BY LINE, 2012 (1) (CONT’D)

($000)
State Inland marine Ocean marine Surety Fidelity Burglary and theft Boiler and machinery Financial guaranty
Alabama $223,253 $33,333 $61,406 $12,968 $2,020 $26,227 $940
Alaska 222,045 35,186 29,140 1,997 387 8,493 365
Arizona 231,205 14,357 91,505 11,300 2,651 18,740 1,056
Arkansas 169,938 15,854 37,949 14,369 1,563 16,159 2,889
California 2,053,105 244,017 678,465 113,805 25,110 131,843 36,698
Colorado 239,380 12,127 99,660 20,011 3,396 20,433 4,919
Connecticut 243,015 49,374 56,293 28,731 5,284 17,700 3,286
Delaware 55,113 6,872 17,931 3,929 1,868 3,848 21,010
D.C. 88,150 2,274 97,463 14,219 2,620 4,219 178
Florida 905,674 284,666 250,076 57,260 13,420 62,891 6,850
Georgia 423,586 36,781 119,553 31,687 5,915 32,858 4,738
Hawaii 60,401 13,950 41,744 4,768 546 5,595 4,516
Idaho 59,013 3,865 19,252 2,594 504 7,090 130
Illinois 561,829 83,114 182,415 58,233 11,910 57,691 9,801
Indiana 241,664 19,677 67,355 16,986 3,033 41,624 1,725
Iowa 174,437 7,241 42,701 14,561 1,858 20,928 3,437
Kansas 145,530 7,907 42,969 11,102 1,797 17,763 1,343
Kentucky 209,766 20,455 75,822 9,418 1,364 21,359 753
Louisiana 321,753 214,196 106,303 12,799 2,863 27,384 6,340
Maine 54,890 23,267 15,389 3,621 552 7,816 520
Maryland 266,045 88,193 144,624 24,386 3,644 19,171 7,179
Massachusetts 354,356 83,986 122,823 38,539 10,479 32,992 9,052
Michigan 359,979 43,832 75,144 32,971 5,665 50,516 4,442
Minnesota 242,641 24,603 71,371 27,249 4,458 30,600 18,853
Mississippi 144,174 19,915 44,097 8,029 1,553 13,490 1,547
Missouri 256,831 27,855 73,875 21,213 4,031 24,377 4,018
Montana 54,700 2,908 26,337 3,141 428 4,846 170
Nebraska 114,304 4,035 34,042 7,487 1,100 12,037 367
Nevada 110,934 7,068 57,830 6,825 1,522 10,025 1,411
New Hampshire 58,620 11,367 15,178 3,179 689 5,367 705
New Jersey 435,714 131,395 143,259 43,368 8,327 41,077 16,502
New Mexico 80,610 1,501 38,768 3,906 702 6,396 411
New York 1,150,991 447,849 308,262 137,889 24,209 99,538 468,320
North Carolina 412,494 35,128 123,967 27,625 4,210 33,706 2,217
North Dakota 59,705 1,202 20,801 2,695 325 8,272 0
Ohio 448,106 43,363 120,435 39,019 9,287 53,771 5,201
Oklahoma 195,095 21,015 61,811 10,002 1,991 19,376 683
Oregon 171,826 28,451 56,703 9,615 2,014 16,020 1,345
Pennsylvania 537,277 45,733 196,613 50,306 8,994 61,991 18,802
Rhode Island 62,610 25,697 14,224 4,850 682 4,771 761
South Carolina 239,220 24,581 64,374 9,668 1,891 18,363 1,962
South Dakota 43,755 792 32,594 3,300 331 5,339 12
Tennessee 285,409 57,196 88,807 17,045 5,440 25,221 248
Texas 1,449,673 336,864 420,633 71,949 21,214 147,847 29,617
Utah 94,847 6,450 43,129 6,341 1,227 8,653 597
Vermont 28,188 10,562 7,975 4,001 274 3,780 1,423
Virginia 324,835 53,462 166,801 31,644 6,846 27,347 682
Washington 312,737 120,800 132,098 16,465 3,913 32,593 1,071
West Virginia 63,313 3,513 35,918 3,956 487 7,883 329
Wisconsin 208,433 30,118 48,450 21,032 3,787 35,333 1,935
Wyoming 39,941 799 27,492 1,421 257 8,065 0
United States $15,291,110 $2,868,744 $4,951,823 $1,133,474 $228,636 $1,419,423 $711,356

(1) Includes some state funds.

Source: SNL Financial LC.

DIRECT PREMIUMS WRITTEN, PROPERTY/CASUALTY INSURANCE BY STATE BY LINE, 2012 (1) (CONT’D)

($000)
State Workers compensation Excess workers compensation Medical malpractice Products liability Other liability Fire Allied lines
Alabama $316,121 $19,271 $131,536 $39,971 $507,233 $220,302 $175,996
Alaska 298,855 4,762 22,093 5,450 144,588 57,945 32,576
Arizona 649,079 9,943 227,340 30,393 639,142 136,372 106,523
Arkansas 240,972 6,397 66,621 18,426 290,728 150,610 120,103
California 9,003,018 181,175 771,226 414,016 5,960,762 1,285,100 756,691
Colorado 709,503 10,920 165,411 59,322 880,026 142,486 151,859
Connecticut 737,326 22,193 172,802 48,675 853,958 132,374 109,365
Delaware 150,595 1,665 38,710 10,202 261,740 28,493 20,324
D.C. 142,130 2,138 36,631 4,927 340,990 32,173 24,968
Florida 2,030,591 56,709 543,580 156,491 2,625,133 1,522,536 3,030,325
Georgia 1,132,298 33,132 284,826 72,126 1,158,170 334,768 220,966
Hawaii 200,925 4,492 29,701 9,385 244,823 85,677 102,714
Idaho 300,401 1,251 30,881 9,143 143,735 29,849 41,479
Illinois 2,600,631 47,660 569,046 130,752 2,827,459 414,102 385,998
Indiana 782,614 12,614 118,487 56,741 733,687 245,232 160,596
Iowa 674,002 9,359 73,550 36,648 486,069 99,162 219,538
Kansas 447,077 9,487 68,131 35,198 366,230 103,051 182,798
Kentucky 471,251 16,369 127,763 27,335 377,411 121,696 93,019
Louisiana 794,850 42,012 101,288 45,624 755,342 343,236 433,411
Maine 197,684 2,777 46,769 7,019 135,602 43,406 31,993
Maryland 834,608 9,477 283,060 46,942 872,626 162,590 113,285
Massachusetts 961,948 20,473 307,493 84,354 1,454,364 298,556 194,532
Michigan 1,061,373 34,060 201,191 88,849 1,086,389 327,723 157,799
Minnesota 835,540 -330 84,934 83,560 902,804 178,185 296,868
Mississippi 298,388 12,073 52,333 17,534 268,445 135,358 130,590
Missouri 769,306 22,661 161,399 45,634 840,294 225,519 172,167
Montana 279,314 5,686 41,492 9,085 141,094 29,414 30,569
Nebraska 341,023 5,290 35,474 21,690 294,693 53,577 237,974
Nevada 269,297 19,416 81,704 24,875 308,984 102,637 77,860
New Hampshire 252,821 2,815 39,146 11,527 155,494 36,915 26,280
New Jersey 1,927,334 24,099 485,351 176,785 2,006,481 377,147 256,475
New Mexico 251,701 6,167 49,299 10,483 182,823 43,699 35,582
New York 4,754,647 49,097 1,672,175 193,207 5,512,444 759,213 501,327
North Carolina 1,243,533 25,746 210,371 85,742 933,886 289,281 250,964
North Dakota 5,951 1 11,265 14,256 145,882 27,363 129,578
Ohio 32,327 68,215 323,354 108,708 1,351,750 403,881 233,300
Oklahoma 934,179 29,317 114,630 46,839 448,859 164,734 167,698
Oregon 630,397 12,709 93,013 33,245 415,264 97,995 69,232
Pennsylvania 2,528,540 38,235 705,829 144,278 2,177,005 438,051 275,352
Rhode Island 170,943 1,737 42,721 12,510 174,971 46,662 34,554
South Carolina 640,321 8,324 61,701 35,715 380,476 188,425 186,526
South Dakota 164,732 1,250 19,268 9,574 95,836 21,400 73,186
Tennessee 833,060 17,619 233,482 50,118 981,182 258,545 157,694
Texas 2,445,019 29,416 324,832 284,903 3,891,462 1,666,672 1,670,818
Utah 348,839 4,216 64,046 29,543 300,614 71,440 39,572
Vermont 172,728 1,096 20,682 6,818 95,210 24,780 13,632
Virginia 881,230 21,244 208,587 50,520 1,004,795 222,215 161,645
Washington 30,315 24,603 201,288 46,326 878,972 221,595 145,395
West Virginia 374,625 3,498 81,044 13,493 170,374 66,536 35,919
Wisconsin 1,725,006 7,610 86,781 70,989 823,368 157,331 135,263
Wyoming 10,355 146 24,532 6,860 90,107 30,938 23,151
United States $47,889,326 $1,000,293 $9,948,872 $3,082,806 $48,119,773 $12,656,945 $12,436,026

(1) Includes some state funds.

Source: SNL Financial LC.

DIRECT PREMIUMS WRITTEN, PROPERTY/CASUALTY INSURANCE BY STATE BY LINE, 2012 (1)

($000)
  Private passenger auto Commercial auto      
State Liability Coll./comp. Liability Coll./comp. Homeowners
multiple peril		 Farmowners
multiple peril		 Commercial
multiple peril
Alabama $1,265,615 $1,082,754 $272,859 $87,343 $1,477,102 $68,761 $543,313
Alaska 266,282 166,142 50,111 17,537 145,364 517 112,177
Arizona 2,020,692 1,353,227 284,044 74,316 1,278,892 13,929 548,429
Arkansas 828,889 673,349 192,700 76,910 744,594 22,779 289,547
California 11,057,548 8,373,663 1,876,315 517,928 7,039,225 204,123 4,236,994
Colorado 1,743,356 1,149,401 288,925 95,837 1,551,677 65,672 631,918
Connecticut 1,547,853 897,962 265,275 61,521 1,221,067 4,680 578,155
Delaware 478,912 197,008 71,974 14,936 206,985 4,162 302,361
D.C. 148,923 125,937 31,986 4,783 136,949 0 149,169
Florida 10,506,792 3,219,585 1,289,026 249,931 8,384,065 24,075 2,046,719
Georgia 3,197,062 2,279,534 547,393 151,302 2,351,304 103,621 874,450
Hawaii 385,625 241,716 73,411 18,399 342,385 437 138,653
Idaho 401,377 270,604 88,764 37,797 272,089 51,211 173,483
Illinois 3,371,657 2,488,635 752,233 226,752 3,013,388 140,250 1,529,375
Indiana 1,683,708 1,186,442 371,220 142,516 1,586,337 171,116 740,062
Iowa 708,187 673,945 204,189 111,584 619,742 149,488 328,802
Kansas 759,608 709,884 156,329 96,248 900,466 182,332 353,614
Kentucky 1,606,967 770,828 250,648 80,847 956,706 148,319 458,920
Louisiana 2,062,534 1,244,963 447,876 95,009 1,684,025 12,212 500,936
Maine 338,483 259,763 81,388 31,656 349,818 3,322 193,805
Maryland 2,391,374 1,512,311 348,429 88,799 1,383,766 23,713 584,067
Massachusetts 2,442,777 1,689,359 494,684 150,823 1,881,522 2,699 999,870
Michigan 4,164,354 2,488,530 472,326 216,866 2,358,473 124,033 964,975
Minnesota 1,671,247 1,167,875 302,099 136,710 1,709,445 119,350 629,418
Mississippi 802,364 634,457 203,111 67,192 841,932 19,555 316,297
Missouri 1,666,658 1,285,276 344,584 131,238 1,649,500 143,332 692,465
Montana 313,387 243,374 83,579 44,643 236,039 56,475 145,910
Nebraska 517,675 427,919 120,707 76,793 505,001 162,263 231,397
Nevada 1,129,523 525,813 157,801 25,608 466,905 7,188 277,286
New Hampshire 364,438 309,624 76,815 27,298 348,781 2,456 205,471
New Jersey 4,626,519 1,959,866 855,345 153,667 2,230,734 2,392 1,284,139
New Mexico 681,259 407,209 114,414 38,587 423,243 23,015 202,607
New York 7,279,224 3,532,137 1,605,042 245,951 4,725,048 36,787 3,310,734
North Carolina 2,635,322 1,924,111 471,347 139,388 2,007,280 52,504 963,011
North Dakota 177,335 204,703 74,060 57,848 160,838 89,839 126,882
Ohio 2,967,832 2,262,431 533,214 182,431 2,424,548 131,315 1,143,286
Oklahoma 1,201,603 902,054 275,630 107,384 1,275,407 120,841 460,456
Oregon 1,447,171 620,435 201,834 54,745 669,255 57,393 412,247
Pennsylvania 4,280,658 2,913,057 843,699 296,835 2,859,691 90,056 1,587,119
Rhode Island 474,502 225,885 67,729 15,967 321,117 146 143,436
South Carolina 1,685,500 1,013,409 228,016 67,643 1,382,887 9,068 445,753
South Dakota 200,122 206,666 57,391 35,811 170,634 89,331 120,300
Tennessee 1,727,142 1,304,877 334,226 136,936 1,610,676 130,176 614,966
Texas 8,031,494 6,187,320 1,647,730 522,803 6,407,188 207,509 2,333,801
Utah 840,109 491,798 166,566 59,255 418,067 10,957 227,962
Vermont 164,612 147,183 41,755 17,407 172,323 12,909 160,811
Virginia 2,509,355 1,835,797 391,496 114,978 1,867,119 65,528 699,902
Washington 2,564,536 1,258,007 343,641 94,405 1,401,717 61,782 711,779
West Virginia 668,818 464,641 112,237 36,339 372,107 12,114 184,376
Wisconsin 1,400,506 1,030,305 329,668 129,870 1,143,162 144,569 600,536
Wyoming 162,503 166,815 50,125 26,586 146,260 28,847 87,986
United States $105,569,989 $66,708,587 $18,945,968 $5,693,956 $77,832,844 $3,409,147 $35,600,131

(1) Includes some state funds.

Source: SNL Financial LC.

Amusement Attraction Injuries By Age And Medical Treatment, 2008-2014 (1)

  2008 2009 2010 2011 2012 2013 2014
By age group              
0 to 4 4,280 4,006 4,159 5,139 6,364 5,681 5,475
5 to 14 13,435 14,490 16,595 17,189 19,491 17,022 18,807
15 to 24 4,503 7,093 5,447 6,536 6,989 5,999 6,332
25 to 64 8,108 7,929 10,214 8,097 10,407 9,255 10,174
Over 65 263 246 355 193 595 192 112
Total (2) 30,590 33,765 36,749 37,154 43,846 38,148 40,901
By medical treatment              
Treated and released 29,797 32,768 35,721 35,977 42,734 37,276 39,699
Hospitalized and deceased 713 997 1,028 1,177 1,112 873 1,201
Total (2) 30,590 33,765 36,749 37,154 43,846 38,148 40,901

(1) Includes fixed rides in amusement or theme park; mobile rides; inflatables (e.g., "moon bounces"); rides at shopping malls or restaurants; and waterslides.
(2) Based on a probability sample. Data are estimates of the number of persons treated in U.S. hospital emergency departments with consumer product-related injuries.

Source: U.S. Consumer Product Safety Commission, National Electronic Injury Surveillance System.

Snapshot Of Amusement Parks And Injuries, 2013 (1)

Number of facilities 357
Attendance 315.2 million
Ridership 1.38 billion
Ride-related injuries 1,221
Injuries per million patron-rides 0.9

(1) Facilities that operate fixed-site amusement rides only. All data are estimated by the National Safety Council.

Source: National Safety Council.

HOMEOWNERS MULTIPLE PERIL INSURANCE, 2003-2012

($000)
Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2003 $45,930,115 14.2% 98.3 -10.7 pts.
2004 49,980,419 8.8 96.2 -2.2
2005 53,010,922 6.1 105.1 8.9
2006 55,822,275 5.3 89.5 -15.6
2007 57,053,137 2.2 93.9 4.4
2008 57,375,139 0.6 115.4 21.5
2009 58,478,195 1.9 105.7 -9.7
2010 61,659,466 5.4 106.0 0.3
2011 64,131,058 4.0 121.0 15.0
2012 67,373,920 5.1 102.7 -18.3

(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.

TOP TEN WRITERS OF COMMERCIAL AUTO INSURANCE BY DIRECT PREMIUMS WRITTEN, 2012

($000)
Rank Group/company Direct premiums written (1) Market share (2)
1 Travelers Companies Inc. $2,001,805 8.0%
2 Progressive Corp. 1,732,227 6.9
3 Liberty Mutual 1,550,125 6.2
4 Nationwide Mutual Group 1,355,638 5.4
5 Zurich Insurance Group Ltd. (3) 1,195,441 4.8
6 American International Group 993,727 4.0
7 Old Republic International Corp. 809,595 3.2
8 Hartford Financial Services 557,904 2.2
9 Auto-Owners Insurance Co. 542,623 2.2
10 W. R. Berkley Corp. 473,687 1.9

(1) Before reinsurance transactions, includes state funds.
(2) Based on U.S. total, includes territories.
(3) Data for Farmers Insurance Group of Companies and Zurich Financial Group (which owns Farmers' management company) are reported separately by SNL Financial LC.

Source: SNL Financial LC.

COMMERCIAL AUTOMOBILE INSURANCE, 2003-2012

($000)
  Liability Collision/comprehensive
Year Net premiums
written (1)		 Annual
percent
change		 Combined
ratio (2)		 Annual
point
change (3)		 Net premiums
written (1)		 Annual
percent
change		 Combined
ratio (2)		 Annual
point
change (3)
2003 $18,431,918 6.8% 99.6 -8.5 pts. $7,014,218 -4.3% 83.8 -9.9 pts.
2004 19,566,628 6.2 96.9 -2.7 7,148,629 1.9 83.0 -0.7
2005 19,766,618 1.0 92.0 -4.9 6,929,335 -3.1 88.1 5.1
2006 19,704,282 -0.3 95.7 3.7 6,949,388 0.3 88.4 0.3
2007 18,803,425 -4.6 95.4 -0.3 6,630,652 -4.6 91.0 2.5
2008 17,833,085 -5.2 97.4 2.0 5,989,108 -9.7 94.7 3.7
2009 16,581,981 -7.0 100.6 3.1 5,347,981 -10.7 96.9 2.3
2010 16,249,433 -2.0 97.1 -3.5 4,870,380 -8.9 101.6 4.7
2011 16,382,082 0.8 101.1 4.0 4,647,376 -4.6 112.0 10.4
2012 16,784,737 2.5 106.4 5.3 5,083,895 9.4 109.0 -3.0

(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.

PRIVATE PASSENGER AUTO INSURANCE INDUSTRY UNDERWRITING EXPENSES, 2012 (1)

Expense Percent of premiums
LOSSES AND RELATED EXPENSES (2)  
Loss and loss adjustment expense (LAE) ratio 76.7%
    Incurred losses 64.1
    Defense and cost containment expenses incurred 2.8
    Adjusting and other expenses incurred 9.9
OPERATING EXPENSES (3)  
Expense ratio 24.8%
    Net commissions and brokerage expenses incurred 8.3
    Taxes, licenses and fees 2.3
    Other acquisition and field supervision expenses incurred 8.6
    General expenses incurred 5.6
DIVIDENDS TO POLICYHOLDERS (2) 0.5%
COMBINED RATIO AFTER DIVIDENDS (4) 102.0%

(1) After reinsurance transactions.
(2) As a percent of net premiums earned ($165.8 billion in 2012).
(3) As of percent of net premiums written ($167.8 billion in 2012).
(4) Sum of loss and LAE, expense and dividends ratios.

Source: SNL Financial LC.

INCURRED LOSSES FOR AUTO INSURANCE, 2008-2012 (1)

($000)
  2008 2009 2010 2011 2012
Private passenger auto          
     Liability $60,806,847 $63,448,211 $64,110,267 $64,310,776 $65,018,837
     Physical damage 39,189,255 36,497,330 36,454,102 40,589,159 41,261,719
Commercial auto          
     Liability 9,956,316 9,345,288 8,798,119 9,363,647 10,513,434
     Physical damage 3,498,383 3,005,162 2,911,013 3,164,880 3,250,715
Total $113,450,801 $112,295,991 $112,273,501 $117,428,462 $120,044,705

(1) Losses occurring within a fixed period, whether or not adjusted or paid during the same period, after reinsurance transactions.

Source: SNL Financial LC.

LIFE AND NONLIFE INSURANCE PREMIUMS, 2012

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $3,317
Life premiums 25,946
Total premiums $29,263
Percent of total world premiums 0.63%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2013.

TOP TEN WRITERS OF PRIVATE PASSENGER AUTO INSURANCE BY DIRECT PREMIUMS WRITTEN, 2012

($000)
Rank Group/company Direct premiums written (1) Market share (2)
1 State Farm Mutual Automobile Insurance $32,101,907 18.4%
2 Allstate Corp. 17,478,055 10.0
3 Berkshire Hathaway Inc. 16,748,872 9.6
4 Progressive Corp. 14,438,111 8.3
5 Farmers Insurance Group of Companies (3) 10,279,070 5.9
6 USAA Insurance Group 8,447,461 4.8
7 Liberty Mutual 8,263,737 4.7
8 Nationwide Mutual Group 7,136,179 4.1
9 Travelers Companies Inc. 3,393,014 1.9
10 American Family Mutual 3,300,454 1.9

(1) Before reinsurance transactions, includes state funds.
(2) Based on U.S. total, includes territories.
(3) Data for Farmers Insurance Group of Companies and Zurich Financial Group (which owns Farmers' management company) are reported separately by SNL Financial LC.

Source: SNL Financial LC.

LIFE AND NONLIFE INSURANCE PREMIUMS, 2012

  Direct premiums written
Nonlife premiums (1) $3,738
Life premiums 28,979
Total premiums $32,717
Percent of total world premiums 0.71%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2013.

LEADING WRITERS OF COMMERCIAL INSURANCE IN MISSISSIPPI BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Group Direct premiums written ($000) Market share
1 Travelers Companies Inc.  $157,308 7.9%
2 Liberty Mutual  122,191 6.1
3 Zurich Insurance Group Ltd.  113,739 5.7
4 American International Group  91,259 4.6
5 CNA Financial Corp.  75,659 3.8
6 W.R. Berkley Corp.  70,406 3.5
7 Nationwide Mutual Group  65,236 3.3
8 Main Street America Group  56,532 2.8
9 ACE Ltd.  55,516 2.8
10 Southern Farm Bureau Casualty Insurance Group 49,740 2.5

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF PRIVATE PASSENGER AUTO INSURANCE IN MASSACHUSETTS BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Company/Group Direct premiums written ($000) Market share
1 MAPFRE  $1,122,776 27.2%
2 Liberty Mutual  525,379 12.7
3 Safety Insurance Group Inc.  453,892 11.0
4 Arbella Mutual Insurance Co.  362,896 8.8
5 Plymouth Rock Co.  259,025 6.3
6 MetLife Inc.  189,940 4.6
7 Travelers Companies Inc.  153,646 3.7
8 Berkshire Hathaway Inc.  144,651 3.5
9 Amica Mutual Insurance Co.  142,785 3.5
10 Hanover Insurance Group Inc.  127,430 3.1

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF HOMEOWNERS INSURANCE IN MASSACHUSETTS BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Group Direct premiums written ($000) Market share
1 MAPFRE  $236,937 12.6%
2 Liberty Mutual  198,594 10.6
3 Arbella Mutual Insurance Co.  135,788 7.2
4 Safety Insurance Group Inc.  122,415 6.5
5 Chubb Corp.  119,439 6.4
6 Andover Companies  111,957 6.0
7 Travelers Companies Inc.  105,551 5.6
8 Quincy Mutual Fire Insurance Co.  67,711 3.6
9 Vermont Mutual Insurance Co.  65,584 3.5
10 Amica Mutual Insurance Co.  64,627 3.4

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF COMMERCIAL INSURANCE IN MASSACHUSETTS BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Group Direct premiums written ($000) Market share
1 Travelers Companies Inc.  $552,416 9.3%
2 American International Group  543,417 9.1
3 Liberty Mutual  405,199 6.8
4 Chubb Corp.  264,038 4.4
5 CNA Financial Corp.  214,506 3.6
6 Zurich Insurance Group Ltd.  206,288 3.5
7 Hartford Financial Services  203,601 3.4
8 W.R. Berkley Corp.  169,824 2.9
9 Arbella Mutual Insurance Co.  163,444 2.7
10 Hanover Insurance Group Inc.  159,336 2.7

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF PRIVATE PASSENGER AUTO INSURANCE IN MARYLAND BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Company/Group Direct premiums written ($000) Market share
1 Berkshire Hathaway Inc.  $847,127 22.1%
2 State Farm Mutual Automobile Insurance 754,830 19.7
3 Allstate Corp.  495,969 12.9
4 Nationwide Mutual Group  348,785 9.1
5 USAA Insurance Group  278,918 7.3
6 Erie Insurance Group  267,418 7.0
7 Progressive Corp.  211,462 5.5
8 Liberty Mutual  191,575 5.0
9 Travelers Companies Inc.  62,775 1.6
10 Hartford Financial Services  46,810 1.2

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF HOMEOWNERS INSURANCE IN MARYLAND BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Group Direct premiums written ($000) Market share
1 State Farm Mutual Automobile Insurance $273,467 19.8%
2 Allstate Corp.  200,297 14.5
3 Travelers Companies Inc.  174,914 12.6
4 Erie Insurance Group  125,914 9.1
5 Nationwide Mutual Group  125,341 9.1
6 USAA Insurance Group  115,693 8.4
7 Liberty Mutual  100,863 7.3
8 Chubb Corp.  25,819 1.9
9 Homesite Group Inc.  20,066 1.5
10 Hartford Financial Services  19,787 1.4

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF COMMERCIAL INSURANCE IN MARYLAND BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Group Direct premiums written ($000) Market share
1 Travelers Companies Inc.  $293,487 7.4%
2 Hartford Financial Services  234,948 6.0
3 Liberty Mutual  225,407 5.7
4 ACE Ltd.  224,907 5.7
5 American International Group  204,285 5.2
6 Zurich Insurance Group Ltd.  175,403 4.4
7 Erie Insurance Group  171,374 4.3
8 CNA Financial Corp.  164,507 4.2
9 Nationwide Mutual Group  149,711 3.8
10 Medical Mutual Liability Insurance Society  126,346 3.2

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF PRIVATE PASSENGER AUTO INSURANCE IN MAINE BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Company/Group Direct premiums written ($000) Market share
1 State Farm Mutual Automobile Insurance $80,089 13.4%
2 Progressive Corp.  79,771 13.3
3 Liberty Mutual  58,361 9.8
4 Allstate Corp.  49,070 8.2
5 Berkshire Hathaway Inc.  45,330 7.6
6 Concord General Mutual Insurance Co.  30,777 5.1
7 USAA Insurance Group  23,429 3.9
8 Tower Group International Ltd.  20,369 3.4
9 MetLife Inc.  19,827 3.3
10 Travelers Companies Inc.  19,701 3.3

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF PRIVATE PASSENGER AUTO INSURANCE IN MAINE BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Company/Group Direct premiums written ($000) Market share
1 State Farm Mutual Automobile Insurance $80,089 13.4%
2 Progressive Corp.  79,771 13.3
3 Liberty Mutual  58,361 9.8
4 Allstate Corp.  49,070 8.2
5 Berkshire Hathaway Inc.  45,330 7.6
6 Concord General Mutual Insurance Co.  30,777 5.1
7 USAA Insurance Group  23,429 3.9
8 Tower Group International Ltd.  20,369 3.4
9 MetLife Inc.  19,827 3.3
10 Travelers Companies Inc.  19,701 3.3

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF PRIVATE PASSENGER AUTO INSURANCE IN LOUISIANA BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Company/Group Direct premiums written ($000) Market share
1 State Farm Mutual Automobile Insurance $1,078,215 32.6%
2 Progressive Corp.  456,664 13.8
3 Allstate Corp.  416,343 12.6
4 Berkshire Hathaway Inc.  254,692 7.7
5 Southern Farm Bureau Casualty Insurance Group  174,360 5.3
6 Liberty Mutual  157,960 4.8
7 USAA Insurance Group  150,599 4.6
8 Affirmative Insurance Holdings  106,841 3.2
9 Safeway Financial Holding Co.  45,957 1.4
10 Shelter Mutual Insurance Co.  43,167 1.3

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF COMMERCIAL INSURANCE IN LOUISIANA BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Group Direct premiums written ($000) Market share
1 American International Group  $316,898 6.8%
2 Liberty Mutual  310,240 6.6
3 Travelers Companies Inc.  284,195 6.1
4 Zurich Insurance Group Ltd.  226,081 4.8
5 CNA Financial Corp.  192,712 4.1
6 ACE Ltd.  182,450 3.9
7 Louisiana Workers' Comp Corp. 167,296 3.6
8 State Farm Mutual Automobile Insurance  128,058 2.7
9 Nationwide Mutual Group  99,027 2.1
10 Allianz Group  85,874 1.8

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF PRIVATE PASSENGER AUTO INSURANCE IN GEORGIA BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Company/Group Direct premiums written ($000) Market share
1 State Farm Mutual Automobile Insurance $1,226,165 22.4%
2 Progressive Corp.  680,767 12.4
3 Allstate Corp.  655,640 12.0
4 Berkshire Hathaway Inc.  543,687 9.9
5 USAA Insurance Group  402,872 7.4
6 Liberty Mutual  268,492 4.9
7 Nationwide Mutual Group  182,694 3.3
8 GA Farm Bureau Mutual Insurance Co.  170,489 3.1
9 Travelers Companies Inc.  151,086 2.8
10 Auto-Owners Insurance Co.  106,881 2.0

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF HOMEOWNERS INSURANCE IN GEORGIA BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Group Direct premiums written ($000) Market share
1 State Farm Mutual Automobile Insurance $680,174 28.9%
2 Allstate Corp. 343,884 14.6
3 Travelers Companies Inc. 169,420 7.2
4 USAA Insurance Group 162,980 6.9
5 Liberty Mutual 142,163 6.1
6 GA Farm Bureau Mutual Insurance Co. 133,713 5.7
7 Nationwide Mutual Group  83,130 3.5
8 Auto-Owners Insurance Co. 81,103 3.5
9 COUNTRY Financial 81,046 3.5
10 Farmers Insurance Group of Companies 41,358 1.8

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF COMMERCIAL INSURANCE IN GEORGIA BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Group Direct premiums written ($000) Market share
1 Travelers Companies Inc.  $417,283 6.9%
2 American International Group  369,276 6.1
3 Liberty Mutual  354,321 5.9
4 Zurich Insurance Group Ltd.  269,067 4.5
5 CNA Financial Corp.  199,693 3.3
6 Auto-Owners Insurance Co.  196,068 3.3
7 ACE Ltd.  188,445 3.1
8 Hartford Financial Services  174,512 2.9
9 Chubb Corp.  160,065 2.7
10 Nationwide Mutual Group  150,927 2.5

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF PRIVATE PASSENGER AUTO INSURANCE IN FLORIDA BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Company/Group Direct premiums written ($000) Market share
1 State Farm Mutual Automobile Insurance $2,563,843 20.8%
2 Berkshire Hathaway Inc. 2,000,345 16.2
3 Allstate Corp. 1,837,451 14.9
4 Progressive Corp. 1,342,504 10.9
5 USAA Insurance Group 692,168 5.6
6 Liberty Mutual 411,717 3.3
7 Farmers Insurance Group of Cos. 348,176 2.8
8 Travelers Companies Inc. 321,143 2.6
9 Hartford Financial Services 269,714 2.2
10 Nationwide Mutual Group 267,930 2.2

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF HOMEOWNERS INSURANCE IN FLORIDA BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Group Direct premiums written ($000) Market share
1 Citizens Property Insurance Corp. $1,637,389 19.5%
2 State Farm Mutual Automobile Insurance 727,507 8.7
3 Universal Insurance Holdings 706,072 8.4
4 Tower Hill Group 554,607 6.6
5 USAA Insurance Group 400,707 4.8
6 St. Johns Insurance Co. 256,554 3.1
7 ARX Holding Corp. 253,004 3.0
8 Florida Peninsula Holdings LLC 244,288 2.9
9 Allstate Corp. 232,327 2.8
10 United P&C Insurance Co. 209,074 2.5

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF COMMERCIAL INSURANCE IN FLORIDA BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Group Direct premiums written ($000) Market share
1 Citizens Property Insurance Corp. $1,543,366 8.9%
2 American International Group 928,610 5.4
3 Liberty Mutual 889,193 5.2
4 Assurant Inc. 770,654 4.5
5 Zurich Insurance Group Ltd. 740,920 4.3
6 Travelers Companies Inc. 671,011 3.9
7 QBE Insurance Group Ltd. 563,497 3.3
8 ACE Ltd. 515,793 3.0
9 CNA Financial Corp. 486,645 2.8
10 Nationwide Mutual Group 421,357 2.4

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF PRIVATE PASSENGER AUTO INSURANCE IN D.C. BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Company/Group Direct premiums written ($000) Market share
1 Berkshire Hathaway Inc.  $94,765 34.5%
2 State Farm Mutual Automobile Insurance 52,743 19.2
3 Progressive Corp.  24,705 9.0
4 USAA Insurance Group  22,464 8.2
5 Allstate Corp.  21,656 7.9
6 Nationwide Mutual Group  14,326 5.2
7 Travelers Companies Inc.  9,585 3.5
8 Liberty Mutual  9,446 3.4
9 Erie Insurance Group  5,555 2.0
10 Hartford Financial Services  4,413 1.6

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF COMMERCIAL INSURANCE IN D.C. BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Group Direct premiums written ($000) Market share
1 Travelers Companies Inc. $115,871 11.2%
2 American International Group 90,906 8.8
3 Chubb Corp. 74,838 7.3
4 Liberty Mutual 73,825 7.2
5 Hartford Financial Services 69,073 6.7
6 Zurich Insurance Group Ltd. 46,342 4.5
7 CNA Financial Corp. 42,234 4.1
8 ACE Ltd. 38,707 3.8
9 Attorneys' Liability Assurance Society 35,549 3.5
10 W.R. Berkley Corp. 25,913 2.5

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF PRIVATE PASSENGER AUTO INSURANCE IN DELAWARE BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Company/Group Direct premiums written ($000) Market share
1 State Farm Mutual Automobile Insurance $152,450 22.6%
2 Nationwide Mutual Group  128,006 18.9
3 Berkshire Hathaway Inc.  82,310 12.2
4 Liberty Mutual  58,724 8.7
5 Progressive Corp.  50,253 7.4
6 USAA Insurance Group  40,816 6.0
7 Allstate Corp.  39,794 5.9
8 Hartford Financial Services  22,891 3.4
9 Farmers Insurance Group of Companies 20,191 3.0
10 Travelers Companies Inc.  15,781 2.3

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF HOMEOWNERS INSURANCE IN DELAWARE BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Group Direct premiums written ($000) Market share
1 State Farm Mutual Automobile Insurance $55,784 27.0%
2 Nationwide Mutual Group 32,048 15.5
3 Liberty Mutual 20,471 9.9
4 Allstate Corp. 13,313 6.4
5 Travelers Companies Inc. 10,339 5.0
6 USAA Insurance Group 10,227 4.9
7 Chubb Corp. 6,791 3.3
8 Donegal Insurance Group 6,218 3.0
9 Hartford Financial Services 6,096 3.0
10 Windsor Mount Joy Mutual Insurance Co. 4,253 2.1

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF COMMERCIAL INSURANCE IN DELAWARE BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Group Direct premiums written ($000) Market share
1 Nuclear Electric Insurance Ltd. $193,582 21.4%
2 American International Group  89,670 9.9
3 Liberty Mutual  62,955 7.0
4 Zurich Insurance Group Ltd.  47,272 5.2
5 American Financial Group Inc.  47,196 5.2
6 Travelers Companies Inc.  44,918 5.0
7 Nationwide Mutual Group  35,488 3.9
8 CNA Financial Corp.  32,515 3.6
9 Hartford Financial Services  26,558 2.9
10 Donegal Insurance Group  22,530 2.5

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF HOMEOWNERS INSURANCE IN CONNECTICUT BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Group Direct premiums written ($000) Market share
1 Liberty Mutual $149,294 12.2%
2 Travelers Companies Inc. 132,437 10.9
3 Chubb Corp. 126,589 10.4
4 Allstate Corp.  109,571 9.0
5 USAA Insurance Group 58,867 4.8
6 State Farm Mutual Automobile Insurance 58,742 4.8
7 Nationwide Mutual Group 56,113 4.6
8 Hartford Financial Services 55,610 4.6
9 Amica Mutual Insurance Co. 52,151 4.3
10 MetLife Inc. 40,671 3.3

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF COMMERCIAL INSURANCE IN CONNECTICUT BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Group Direct premiums written ($000) Market share
1 Travelers Companies Inc.  $341,923 9.6%
2 Liberty Mutual  303,788 8.5
3 Hartford Financial Services  257,637 7.2
4 American International Group  229,798 6.4
5 Chubb Corp.  185,248 5.2
6 Zurich Insurance Group Ltd.  158,914 4.4
7 CNA Financial Corp.  139,796 3.9
8 W.R. Berkley Corp.  102,789 2.9
9 Nationwide Mutual Group  93,417 2.6
10 ACE Ltd.  92,787 2.6

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF PRIVATE PASSENGER AUTO INSURANCE IN ALABAMA BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Company/Group Direct premiums written ($000) Market share
1 State Farm Mutual Automobile Insurance $555,239 23.6%
2 Alfa Mutual Group  390,913 16.7
3 Allstate Corp.  254,905 10.9
4 Berkshire Hathaway Inc.  193,133 8.2
5 Progressive Corp.  154,957 6.6
6 USAA Insurance Group  137,281 5.9
7 Nationwide Mutual Group  95,171 4.1
8 Farmers Insurance Group of Companies 90,728 3.9
9 Liberty Mutual  57,687 2.5
10 Travelers Companies Inc.  52,977 2.3

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF HOMEOWNERS INSURANCE IN ALABAMA BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Group Direct premiums written ($000) Market share
1 State Farm Mutual Automobile Insurance $439,621 29.8%
2 Alfa Mutual Group 218,522 14.8
3 Allstate Corp. 146,341 9.9
4 Farmers Insurance Group of Companies 112,419 7.6
5 Travelers Companies Inc. 87,125 5.9
6 USAA Insurance Group 69,275 4.7
7 Nationwide Mutual Group 48,766 3.3
8 COUNTRY Financial 48,473 3.3
9 Liberty Mutual 47,500 3.2
10 Auto-Owners Insurance Co. 35,031 2.4

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF COMMERCIAL INSURANCE IN ALABAMA BY DIRECT PREMIUMS WRITTEN, 2012 (1)

Rank Group Direct premiums written ($000) Market share
1 Travelers Companies Inc.  $196,806 6.7%
2 American International Group  177,983 6.1
3 Liberty Mutual  147,637 5.1
4 Zurich Insurance Group Ltd.  127,285 4.4
5 Auto-Owners Insurance Co.  111,854 3.8
6 CNA Financial Corp.  99,509 3.4
7 ACE Ltd.  88,531 3.0
8 Nationwide Mutual Group  84,921 2.9
9 Cincinnati Financial Corp.  77,050 2.6
10 State Farm Mutual Automobile Insurance 70,363 2.4

(1) Before reinsurance transactions.

Source: SNL Financial LC.

NET PREMIUMS WRITTEN BY LINE, PROPERTY/CASUALTY INSURANCE 2010-2012 (1)

($ millions)
        Percent change from prior year  
Lines of insurance 2010 2011 2012 2010 2011 2012 Percent
of total,
2012
Private passenger auto $160,268.7 $163,317.7 $167,647.6 1.7% 1.9% 2.7% 36.8%
     Liability 97,672.8 100,369.4 103,153.5 2.8 2.8 2.8 22.6
     Collision and comprehensive 62,595.9 62,948.3 64,494.1 -0.1 0.6 2.5 14.1
Commercial auto 21,119.8 21,029.5 21,868.6 -3.7 -0.4 4.0 4.8
     Liability 16,249.4 16,382.1 16,784.7 -2.0 0.8 2.5 3.7
     Collision and comprehensive 4,870.4 4,647.4 5,083.9 -8.9 -4.6 9.4 1.1
Fire 10,199.1 10,318.0 10,766.2 0.9 1.2 4.3 2.4
Allied lines  7,494.3 7,800.2 8,212.7 -3.2 4.1 5.3 1.8
Multiple peril crop 3,501.6 5,457.0 4,244.1 -11.7 55.8 -22.2 0.9
Federal flood (2) 6.1 23.9 0.4 -70.7 288.9 -98.2 (3)
Farmowners multiple peril 2,755.0 2,932.6 3,209.2 5.5 6.4 9.4 0.7
Homeowners multiple peril 61,659.5 64,131.1 67,373.9 5.4 4.0 5.1 14.8
Commercial multiple peril 28,913.5 29,995.2 31,038.4 (3) 3.7 3.5 6.8
Mortgage guaranty 4,248.8 4,242.3 3,965.9 -6.9 -0.2 -6.5 0.9
Ocean marine 2,741.0 2,760.9 2,704.1 -6.8 0.7 -2.1 0.6
Inland marine 8,527.5 8,768.8 9,439.6 -1.8 2.8 7.6 2.1
Financial guaranty 1,371.9 968.9 692.5 -23.5 -29.4 -28.5 0.2
Medical malpractice 9,096.3 8,833.4 8,687.6 -1.2 -2.9 -1.6 1.9
Earthquake 1,443.6 1,467.4 1,565.6 12.0 1.6 6.7 0.3
Accident and health (4) 7,507.0 7,685.8 7,941.1 11.7 2.4 3.3 1.7
Workers compensation 31,643.1 35,664.2 37,943.5 -1.9 12.7 6.4 8.3
Excess workers compensation 799.7 816.4 815.8 -15.0 2.1 -0.1 0.2
Products liability 2,050.6 2,320.5 2,546.4 -13.3 13.2 9.7 0.6
Other liability (5) 35,802.8 36,511.6 37,677.9 -1.1 2.0 3.2 8.3
Aircraft 1,103.5 1,121.9 1,160.5 -9.8 1.7 3.4 0.3
Fidelity 1,082.5 1,098.2 1,096.3 -1.4 1.4 -0.2 0.2
Surety 4,851.3 4,849.5 4,685.9 0.3 (3) -3.4 1.0
Burglary and theft 167.2 194.7 220.8 9.8 16.5 13.4 (3)
Boiler and machinery 1,721.8 1,810.9 1,887.6 -4.5 5.2 4.2 0.4
Credit 1,344.8 1,490.1 1,457.8 9.8 10.8 -2.2 0.3
Warranty 1,864.1 1,695.8 1,386.7 6.1 -9.0 -18.2 0.3
International 130.0 92.8 105.8 -8.8 -28.6 14.0 (3)
Reinsurance (6) 11,421.8 13,192.7 14,673.9 -2.1 15.5 11.2 3.2
Other lines (7)  1,044.3 970.2 1,100.1 -18.7 -7.1 13.4 0.2
Total, all lines (8)   $425,878.8 $441,562.2 $456,116.7 0.6% 3.7% 3.3% 100.0%

(1) After reinsurance transactions, excludes state funds.
(2) Provided by FEMA through participating private insurers.
(3) Less than 0.1 percent.
(4) Premiums from certain insurers that write health insurance but file financial statements with state regulators on a property/casualty basis.
(5) Coverages protecting against legal liability resulting from negligence, carelessness or failure to act.
(6) Only includes nonproportional reinsurance, an arrangement in which a reinsurer makes payments to an insurer whose losses exceed a predetermined amount.
(7) Includes miscellaneous coverages.
(8) May not match total premiums shown elsewhere in this book because of the use of different exhibits from SNL Financial LC.

Source: SNL Financial LC.

OCCUPANT FATALITY RATES BY VEHICLE TYPE, 2002 AND 2011

Fatality rate Motorcycles Light trucks Passenger cars
2002      
     Per 100,000 registered vehicles 65.35 15.03 15.78
     Per 100 million vehicle miles traveled 34.23 1.21 1.27
2011      
     Per 100,000 registered vehicles 54.66 8.95 8.90
     Per 100 million vehicle miles traveled 24.93 0.81 0.80
Percent change, 2002-2011      
     Per 100,000 registered vehicles -16.4% -40.5% -43.6%
     Per 100 million vehicle miles traveled -27.2 -33.1 -37.0

Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.

INVESTMENTS, PROPERTY/CASUALTY INSURERS, 2010-2012 (1)

($ millions, end of year)
  Amount Percent of total investments
Investment type 2010 2011 2012 2010 2011 2012
Bonds $873,836 $902,508 $904,247 66.39% 67.26% 65.39%
Stocks 226,035 238,873 265,810 17.17 17.80 19.22
     Preferred 17,574 11,619 11,930 1.34 0.87 0.86
     Common 208,461 227,254 253,880 15.84 16.94 18.36
Mortgage loans on real estate 4,171 4,969 5,682 0.32 0.37 0.41
     First liens 3,885 4,767 5,428 0.30 0.36 0.39
     Other than first liens 287 202 254 0.02 0.02 0.02
Real estate 9,773 10,371 10,372 0.74 0.77 0.75
     Properties occupied by company 8,540 8,902 8,948 0.65 0.66 0.65
     Properties held for income production 1,057 1,216 1,227 0.08 0.09 0.09
     Properties held for sale 176 252 198 0.01 0.02 0.01
Cash, cash equivalent and short-term investments 85,962 72,605 82,323 6.53 5.41 5.95
Derivatives 643 649 592 0.05 0.05 0.04
Other invested assets 102,863 104,204 108,573 7.82 7.77 7.85
Receivable for securities 4,481 1,529 960 0.34 0.11 0.07
Securities lending reinvested collateral assets 5,285 2,628 2,324 0.40 0.20 0.17
Aggregate write-in for invested assets 3,200 3,568 4,006 0.24 0.27 0.29
Total cash and invested assets $1,316,192 $1,341,904 $1,382,861 100.00% 100.00% 100.00%

(1) Includes cash and net admitted assets of property/casualty insurers.

Source: SNL Financial LC.

CONSOLIDATED ASSETS AND POLICYHOLDERS’ SURPLUS, P/C INSURANCE, 2003-2012

($ millions)
Year Net admitted assets Annual percent change Statutory liabilities Annual percent change Policyholders' surplus Annual percent change Total net premiums written (1) Annual percent change (1)
2003 $1,193,700 10.3% $834,348 7.0% $359,352 18.9% $409,016 9.0%
2004 1,300,814 9.0 897,083 7.5 403,733 12.4 427,197 4.4
2005 1,386,853 6.6 951,719 6.1 435,135 7.8 426,671 -0.1
2006 1,549,509 11.7 1,045,931 9.9 503,578 15.7 448,967 5.2
2007 1,468,776 -5.2 940,758 -10.1 528,016 4.9 446,378 -0.6
2008 1,405,742 -4.3 943,732 0.3 462,006 -12.5 440,681 -1.3
2009 1,456,852 3.6 936,261 -0.8 520,591 12.7 423,545 -3.9
2010 1,514,190 3.9 947,390 1.2 566,800 8.9 426,380 0.7
2011 1,537,216 1.5 974,700 2.9 562,514 -0.8 441,925 3.6
2012 1,589,332 3.4 992,434 1.8 596,897 6.1 460,304 4.2

(1) After reinsurance transactions, excludes state funds. May not match total premiums written shown elsewhere in this book because of the use of different exhibits from SNL Financial.    
    
Source: SNL Financial LC.   

OPERATING RESULTS, PROPERTY/CASUALTY INSURANCE, 2003-2012 (1)

($ millions)
Year Net underwriting gain/loss Net investment income earned Net realized capital gain/loss Policyholder dividends Taxes (2) Net income after taxes (3)
2003 -$3,150 $39,811 $6,483 $1,910 $10,766 $30,432
2004 5,558 40,383 9,070 1,818 14,575 38,342
2005 -3,152 49,960 11,933 1,974 10,642 47,198
2006 34,753 55,719 3,670 3,611 22,651 67,479
2007 21,637 56,320 8,817 2,814 19,857 63,138
2008 -19,810 53,430 -19,609 2,211 7,730 4,446
2009 1,579 48,640 -7,895 2,141 8,481 32,492
2010 -8,422 48,833 8,003 2,709 8,951 37,716
2011 -35,305 51,000 6,891 2,315 3,026 19,533
2012 -13,727 49,448 8,487 2,506 6,267 37,597

(1) Excludes state funds.
(2) Includes federal and foreign taxes.
(3) Does not equal the sum of the columns shown due to the omission of miscellaneous income.

Source: SNL Financial LC.

DRIVERS IN FATAL CRASHES BY BLOOD ALCOHOL CONCENTRATION (BAC) AND VEHICLE TYPE, 2002-2011 (1)

  Passenger car Light truck Large truck Motorcycles
    Percent    Percent    Percent    Percent 
Year Total BAC = 0.01+ BAC = 0.08+ Total BAC = 0.01+ BAC = 0.08+ Total BAC = 0.01+ BAC = 0.08+ Total BAC = 0.01+ BAC = 0.08+
2002 27,236 27% 22% 21,562 27% 23% 4,550 3% 2% 3,363 39% 31%
2003 26,422 26 22 22,172 25 22 4,658 2 1 3,800 36 29
2004 25,568 27 23 22,367 25 21 4,837 2 1 4,116 34 27
2005 25,046 28 24 22,879 25 22 4,900 3 1 4,679 34 27
2006 24,162 27 23 22,307 28 24 4,729 2 1 4,961 34 26
2007 22,765 27 23 21,719 27 23 4,601 2 1 5,306 35 27
2008 20,379 27 23 19,095 26 23 4,040 3 2 5,405 36 29
2009 18,344 27 23 17,878 27 23 3,182 3 2 4,601 36 29
2010 17,623 27 23 17,322 26 22 3,446 3 2 4,629 36 28
2011 17,335 NA 24 16,643 NA 21 3,568 NA 1 4,741 NA 29

(1) NHTSA estimates alcohol involvement when alcohol test results are unknown.

NA=Data not available.

Source: U.S. Department of Transportation, National Highway Safety Administration.

GROSS STATE PRODUCT (GSP), INSURANCE CARRIERS AND RELATED ACTIVITIES, 2010-2011

($ millions)
State 2010 2011 As a percent of
2011 total GSP
Alabama $3,371 $3,692 2.07%
Alaska 284 290 0.57
Arizona 7,114 7,600 2.97
Arkansas 1,494 1,672 1.57
California 29,469 30,275 1.59
Colorado 5,598 5,770 2.18
Connecticut 20,662 19,316 8.57
Delaware 7,331 8,229 12.78
D.C. 1,051 1,149 1.07
Florida 17,541 18,216 2.44
Georgia 8,642 8,869 2.12
Hawaii 1,100 1,171 1.67
Idaho 903 919 1.61
Illinois 24,891 24,933 3.72
Indiana 9,123 9,315 3.28
Iowa 10,553 11,342 7.77
Kansas 2,973 3,322 2.46
Kentucky 3,550 3,729 2.22
Louisiana 3,566 3,802 1.60
Maine 1,598 1,628 3.10
Maryland 6,617 6,862 2.25
Massachusetts 11,488 12,120 3.12
Michigan 12,191 11,623 3.02
Minnesota 10,921 11,412 4.08
Mississippi 1,489 1,524 1.56
Missouri 6,268 6,484 2.60
Montana 609 627 1.61
Nebraska 4,491 4,418 4.59
Nevada 1,500 1,509 1.17
New Hampshire 2,383 2,648 4.18
New Jersey 13,325 14,204 2.88
New Mexico 1,089 1,093 1.37
New York 37,783 41,636 3.56
North Carolina 6,330 6,315 1.45
North Dakota 847 902 2.26
Ohio 16,336 16,982 3.46
Oklahoma 2,455 2,482 1.59
Oregon 3,431 3,480 1.84
Pennsylvania 18,966 20,041 3.45
Rhode Island 1,935 1,802 3.65
South Carolina 3,541 3,505 2.08
South Dakota 797 822 1.97
Tennessee 6,383 6,546 2.48
Texas 24,087 25,067 1.90
Utah 1,936 2,069 1.66
Vermont 741 780 2.94
Virginia 5,618 5,827 1.34
Washington 6,219 6,069 1.70
West Virginia 1,062 1,073 1.62
Wisconsin 11,928 12,223 4.82
Wyoming 233 243 0.64
United States $383,815 $397,629 2.66%

Source: U.S. Department of Commerce, Bureau of Economic Analysis.

ESTIMATED ASBESTOS LOSSES, 2003-2012 (1)

($ billions)
    Losses  
Year Beginning reserve Incurred (2) Paid Ending reserve (3)
2003 $18.2 $6.5 $2.2 $22.5
2004 22.5 4.3 3.3 23.5
2005 23.5 3.6 2.3 24.9
2006 24.9 1.6 2.6 23.8
2007 23.8 2.5 2.6 23.8
2008 23.8 1.1 3.8 21.1
2009 21.1 1.9 2.1 21.0
2010 21.0 2.4 2.3 21.1
2011 21.1 1.8 1.8 21.1
2012 21.1 1.9 2.1 21.0

(1) All amounts are net of reinsurance recoveries.
(2) Incurred losses are losses related to events that have occurred, regardless of whether or not the claims have been paid, net of reinsurance. Includes loss adjustment expenses.
(3) Because of changes in the population of insurers reporting data each year, the beginning reserve may not equal the ending reserve of the prior year.

Source: ISO, a Verisk Analytics Company.

TOP TEN WRITERS OF ANNUITIES BY DIRECT PREMIUMS WRITTEN, 2012 (1)

($000)
Rank Group/company Direct premiums written (2) Market share
1 Prudential Financial Inc. $54,310,385 20.4%
2 MetLife Inc. 23,511,783 8.9
3 Jackson National Life Group 22,442,536 8.4
4 Lincoln National Corp. 15,170,600 5.7
5 American International Group 12,510,446 4.7
6 ING Groep N.V. 10,228,271 3.9
7 TIAA-CREF 10,211,019 3.8
8 AXA 8,835,357 3.3
9 Allianz Group 8,784,970 3.3
10 New York Life Insurance Group 7,303,035 2.8

(1) Includes individual and group annuities.
(2) Based on U.S. total, includes territories.

Source: SNL Financial LC.

TOP TEN WRITERS OF GROUP ANNUITIES BY DIRECT PREMIUMS WRITTEN, 2012

($000)
Rank Group/company Direct premiums written (1) Market share
1 Prudential Financial Inc.  $34,238,237 42.1%
2 ING Groep N.V.  8,226,013 10.1
3 American International Group  5,537,869 6.8
4 Great-West Insurance Group  4,503,863 5.5
5 TIAA-CREF  4,439,983 5.5
6 MetLife Inc.  3,773,169 4.6
7 Lincoln National Corp.  3,285,529 4.0
8 AXA  3,008,168 3.7
9 Jackson National Life Group  2,620,209 3.2
10 OneAmerica Financial Partners  2,284,184 2.8

(1) Based on U.S. total, includes territories.

Source: SNL Financial LC.

TOP TEN WRITERS OF INDIVIDUAL ANNUITIES BY DIRECT PREMIUMS WRITTEN, 2012

($000)
Rank Group/company Direct premiums written (1) Market share
1 Prudential Financial Inc. $20,072,148 10.9%
2 Jackson National Life Group 19,822,327 10.8
3 MetLife Inc. 19,738,614 10.7
4 Lincoln National Corp. 11,885,071 6.5
5 Allianz Group 8,784,970 4.8
6 New York Life Insurance Group 7,095,552 3.9
7 American International Group 6,972,576 3.8
8 Pacific MHC 5,930,851 3.2
9 AXA 5,827,189 3.2
10 TIAA-CREF 5,771,036 3.1

(1) Based on U.S. total, includes territories.

Source: SNL Financial LC.

NET PREMIUMS WRITTEN AND COMBINED RATIO, PROPERTY/CASUALTY INSURANCE, 2003-2012

($ billions)
Year Net premiums written (1) Annual percent change (2) Combined ratio after dividends (3) Annual point change (2) Year Net premiums written (1) Annual percent change (2) Combined ratio after dividends (3) Annual point change (2)
2003 $407.2 9.9% 100.3 -7.2 pts. 2008 $440.3 -1.3% 105.1 9.6 pts.
2004 425.5 4.5 98.6 -1.7 2009 423.5 -3.8 100.5 -4.6
2005 422.4 -0.7 100.9 2.3 2010 425.9 0.6 102.7 2.2
2006 447.8 6.0 92.9 -7.9 2011 441.6 3.7 108.0 5.3
2007 446.2 -0.4 95.5 2.6 2012 456.1 3.3 103.0 -5.0

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

Source: SNL Financial LC.

PROPERTY/CASUALTY INSURANCE INDUSTRY UNDERWRITING EXPENSES, 2012 (1)

Expense Percent of  premiums
LOSSES AND RELATED EXPENSES (2)  
Loss and loss adjustment expense (LAE) ratio 74.3%
    Incurred losses 61.9
    Defense and cost containment expenses incurred 4.9
    Adjusting and other expenses incurred 7.5
OPERATING EXPENSES (3)  
Expense ratio 28.2%
    Net commissions and brokerage expenses incurred 10.5
    Taxes, licenses and fees 2.6
    Other acquisition and field supervision expenses incurred 7.9
    General expenses incurred 7.2
DIVIDENDS TO POLICYHOLDERS (2) 0.6%
COMBINED RATIO AFTER DIVIDENDS (4) 103.0%

(1) After reinsurance transactions.
(2) As a percent of net premiums earned ($448.1 billion in 2012).
(3) As a percent of net premiums written ($456.1 billion in 2012).
(4) Sum of loss and LAE, expense and dividends ratios.

Source: SNL Financial LC.

TOP TEN WRITERS OF GROUP LIFE INSURANCE BY DIRECT PREMIUMS WRITTEN, 2012

($000)
Rank Group/company Direct premiums written (1) Market share
1 Prudential Financial Inc.  $5,446,177 18.0%
2 MetLife Inc.  5,279,031 17.4
3 Securian Financial Group  1,648,261 5.4
4 New York Life Insurance Group  1,645,950 5.4
5 Cigna Corp.  1,482,204 4.9
6 Hartford Financial Services  1,379,865 4.6
7 Unum Group  1,212,376 4.0
8 Aetna Inc.  950,247 3.1
9 Massachusetts Mutual Life Insurance Co. 893,769 3.0
10 StanCorp Financial Group Inc.  797,179 2.6

(1) Before reinsurance transactions. Based on U.S. total, includes territories. Excludes annuities, accident and health, deposit-type contract funds and other considerations.

Source: SNL Financial LC.

TOP TEN WRITERS OF INDIVIDUAL LIFE INSURANCE BY DIRECT PREMIUMS WRITTEN, 2012

($000)
Rank Group/company Direct premiums written (1) Market share
1 Aflac Inc. $11,080,698 8.8%
2 MetLife Inc. 10,547,225 8.4
3 Northwestern Mutual Life Insurance Co. 9,015,874 7.2
4 New York Life Insurance Group 6,019,547 4.8
5 Manulife Financial Corp. 5,209,708 4.2
6 Lincoln National Corp. 5,150,023 4.1
7 Prudential Financial Inc. 4,409,773 3.5
8 Massachusetts Mutual Life Insurance Co. 3,884,997 3.1
9 AEGON NV 3,831,476 3.1
10 State Farm Mutual Automobile Insurance 3,826,927 3.1

(1) Before reinsurance transactions. Based on U.S. total, includes territories. Excludes annuities, accident and health, deposit-type contract funds and other considerations.

Source: SNL Financial LC.

TOP TWENTY WRITERS OF LIFE INSURANCE BY DIRECT PREMIUMS WRITTEN, 2012

($000)
Rank Group/company Direct premiums written (1) Market share
1 MetLife Inc. $16,024,713 10.2%
2 Aflac Inc. 11,096,135 7.1
3 Prudential Financial Inc. 9,855,949 6.3
4 Northwestern Mutual Life Insurance Co. 9,015,874 5.7
5 New York Life Insurance Group 7,665,497 4.9
6 Lincoln National Corp. 5,833,714 3.7
7 Manulife Financial Corp. 5,216,064 3.3
8 Massachusetts Mutual Life Insurance Company 4,778,766 3.0
9 AEGON NV 4,180,038 2.7
10 State Farm Mutual Automobile Insurance 3,865,044 2.5
11 American International Group 3,553,464 2.3
12 Guardian Life Insurance Co. of America 3,336,635 2.1
13 AXA 3,302,079 2.1
14 Hartford Financial Services 3,235,815 2.1
15 ING Groep N.V. 2,977,177 1.9
16 Securian Financial Group 2,746,324 1.8
17 Pacific MHC 2,721,914 1.7
18 Protective Life Corp. 2,488,844 1.6
19 Allstate Corp. 2,133,161 1.4
20 Genworth Financial Inc. 2,110,720 1.3

(1) Before reinsurance transactions. Based on U.S. total, includes territories. Excludes annuities, accident and health, deposit-type contract funds and other considerations.

Source: SNL Financial LC.

LIFE/HEALTH INSURERS DIRECT PREMIUMS WRITTEN AND ANNUITY CONSIDERATIONS BY STATE, 2012 (1)

($ millions)
State Life insurance Annuities Accident and health insurance (2) Deposit-type contract funds Other considerations Total
Alabama $2,012 $2,684 $1,571 $275 $422 $6,965
Alaska 354 378 325 29 169 1,255
Arizona 2,037 4,644 3,633 423 1,315 12,052
Arkansas 1,024 1,467 1,247 94 231 4,063
California 14,411 21,914 13,313 2,366 6,973 58,978
Colorado 2,174 4,812 3,392 756 798 11,932
Connecticut 2,466 4,319 2,525 7,601 1,736 18,647
Delaware 1,265 2,600 459 31,505 222 36,050
D.C. 378 579 618 209 732 2,517
Florida 8,011 19,228 11,575 1,144 3,922 43,880
Georgia 4,364 5,363 6,179 924 1,853 18,685
Hawaii 660 1,237 907 96 397 3,297
Idaho 485 904 603 54 210 2,256
Illinois 6,342 9,736 6,228 1,618 2,918 26,842
Indiana 2,593 6,411 3,919 714 872 14,509
Iowa 1,716 2,737 1,484 8,346 2,800 17,084
Kansas 1,295 2,357 3,323 460 384 7,820
Kentucky 1,490 2,271 2,416 273 1,759 8,210
Louisiana 2,100 3,329 1,997 241 552 8,219
Maine 433 1,162 877 61 362 2,895
Maryland 2,825 5,304 2,920 1,045 1,305 13,399
Massachusetts 4,898 7,338 2,871 1,132 4,702 20,941
Michigan 3,901 20,347 3,917 1,043 1,542 30,750
Minnesota 3,734 4,516 1,870 702 2,154 12,976
Mississippi 1,130 1,394 1,882 116 167 4,689
Missouri 2,493 6,627 3,717 723 1,023 14,583
Montana 321 504 468 51 133 1,476
Nebraska 980 1,574 1,223 470 334 4,582
Nevada 832 1,458 1,048 249 307 3,894
New Hampshire 616 1,562 634 130 275 3,218
New Jersey 6,054 11,393 5,384 3,140 2,118 28,090
New Mexico 619 949 914 107 345 2,933
New York 10,992 19,352 7,339 29,325 12,886 79,894
North Carolina 4,313 6,888 4,950 1,006 3,697 20,854
North Dakota 342 561 326 47 109 1,385
Ohio 4,895 11,296 8,142 2,938 2,212 29,484
Oklahoma 1,308 1,976 1,846 183 367 5,680
Oregon 1,132 2,326 1,805 235 1,185 6,682
Pennsylvania 6,226 12,678 5,679 2,982 11,893 39,459
Rhode Island 460 1,133 708 120 236 2,657
South Carolina 1,902 3,522 2,273 222 366 8,285
South Dakota 584 556 426 51 80 1,698
Tennessee 2,667 4,739 2,959 386 1,237 11,988
Texas 9,916 15,671 14,824 1,375 3,123 44,908
Utah 1,285 1,805 1,063 221 452 4,825
Vermont 238 538 323 65 306 1,470
Virginia 3,898 6,417 4,341 789 1,530 16,975
Washington 2,211 4,068 2,789 337 1,291 10,697
West Virginia 620 1,245 1,306 125 202 3,498
Wisconsin 2,412 5,146 4,414 698 1,102 13,772
Wyoming 266 374 358 33 54 1,086
United States (3) $139,680 $261,389 $159,316 $107,237 $85,361 $752,984

(1) Direct premiums written before reinsurance transactions, excludes state funds.
(2) Excludes accident and health premiums reported on property/casualty and health annual statements.
(3) Excludes territories, dividends and other nonstate specific data.

Source: SNL Financial LC.

TOP TEN HEALTH INSURANCE GROUPS BY DIRECT PREMIUMS WRITTEN, 2012 (1)

($ billions)
Rank Group/company Direct premiums written Market share
1 WellPoint Inc.  $51.3 11.6%
2 UnitedHealth Group Inc.  49.6 11.2
3 Health Care Service Corporation 21.2 4.8
4 Aetna Inc.  20.9 4.7
5 Humana Inc.  16.6 3.7
6 Highmark Insurance Group  11.8 2.6
7 Kaiser Foundation Health Plan Inc.  10.7 2.4
8 EmblemHealth Inc.  10.0 2.3
9 Independence Blue Cross  9.6 2.2
10 Horizon Healthcare Services Inc.  9.1 2.0

(1) Based on health insurer annual statement data. Excludes health insurance data from the property/casualty and life/health annual statements. Excludes territories.

Source: SNL Financial LC.

DIRECT PREMIUMS WRITTEN BY LINE, LIFE/HEALTH INSURANCE INDUSTRY, 2010-2012

($000)
  2010 2011 2012
Lines of insurance Direct premiums
written (1)		 Percent
of total		 Direct premiums
written (1)		 Percent
of total		 Direct premiums
written (1)		 Percent
of total
Annuities            
Ordinary individual annuities $189,782,138 30.2% $212,367,834 31.5% $192,293,391 27.3%
Group annuities 109,572,602 17.4 122,453,628 18.2 164,069,697 23.3
Total $299,354,740 47.6% $334,821,462 49.7% $356,363,088 50.6%
Life            
Ordinary life 125,599,265 20.0 130,943,577 19.4 132,647,545 18.8
Group life 30,461,025 4.8 31,511,894 4.7 34,456,070 4.9
Credit life (group and individual) 1,254,440 0.2 1,224,617 0.2 1,129,433 0.2
Industrial life 180,509 (2) 173,147 (2) 165,688 (2)
Total $157,495,239 25.0% $163,853,236 24.3% $168,398,736 23.9%
Accident and health (3)            
Group 90,904,999 14.4 92,799,590 13.8 96,577,500 13.7
Other 80,568,740 12.8 81,746,111 12.1 81,870,812 11.6
Credit 947,379 0.2 929,424 0.1 954,569 0.1
Total $172,421,119 27.4% $175,475,125 26.0% $179,402,881 25.5%
All other lines 2,077 (2) 2,404 (2) 2,574 (2)
Total, all lines (4) $629,273,175 100.0% $674,152,227 100.0% $704,167,279 100.0%

(1) Before reinsurance transactions.                        
(2) Less than 0.1 percent.                        
(3) Excludes accident and health premiums reported on the property/casualty and health annual statements.                         
(4) Excludes deposit-type funds.                        
                       
Source: SNL Financial LC.

LIFE INSURANCE INDUSTRY BENEFITS AND LOSSES, 2008-2012

($000)
  2008 2009 2010 2011 2012
Death benefits $57,857,956 $57,609,758 $56,523,314 $60,627,940 $61,679,308
Matured endowments, excluding annual pure endowments 621,018 649,867 679,242 767,092 415,088
Annuity benefits 66,517,129 64,061,436 66,781,657 70,873,443 70,296,479
Disability, accident and health benefits (1) 111,893,856 118,292,626 119,594,551 118,822,197 123,515,360
Coupons, pure endowment and similar benefits 18,655 17,027 16,264 16,075 17,179
Surrender benefits, withdrawals for life contracts 291,543,802 228,688,291 216,846,768 237,281,879 245,728,482
Group conversions 14,440 26,516 29,136 27,884 27,891
Interest and adjustments on deposit type contracts 15,031,048 10,404,385 9,541,403 9,829,729 7,321,456
Payments on supplementary contracts with life contingencies 1,457,848 1,527,354 1,578,300 1,690,841 1,809,677
Increase in aggregate reserve 129,186,885 88,820,781 86,625,320 131,379,911 76,446,031
Total benefits and losses $674,142,638 $570,098,041 $558,215,953 $631,316,990 $587,256,949

(1) Excludes benefits paid by health insurance companies and property/casualty insurance companies.

Source: SNL Financial LC.

INVESTMENTS, LIFE/HEALTH INSURERS, 2010-2012 (1)

($ billions, end of year)
  Amount Percent of total investments
Investment type 2010 2011 2012 2010 2011 2012
Bonds  $2,426.5 $2,536.2 $2,547.2 75.92% 75.47% 74.77%
Stocks 77.9 78.4 77.5 2.44 2.33 2.27
     Preferred stock  9.1 8.1 7.8 0.29 0.24 0.23
     Common stock  68.7 70.3 69.7 2.15 2.09 2.05
Mortgage loans on real estate 307.4 323.1 335.6 9.62 9.61 9.85
     First lien real estate mortgage loans  305.2 321.1 333.1 9.55 9.56 9.78
     Real estate loans less first liens  2.1 2.0 2.5 0.07 0.06 0.07
Real estate 19.7 20.6 21.4 0.62 0.61 0.63
     Occupied properties  5.7 5.7 5.5 0.18 0.17 0.16
     Income generating properties  13.6 14.6 15.4 0.43 0.43 0.45
     Properties for sale  0.3 0.3 0.5 0.01 0.01 0.02
Cash, cash equivalent and short-term investments  95.1 96.5 106.6 2.97 2.87 3.13
Contract loans including premium notes  123.5 126.0 127.5 3.86 3.75 3.74
Derivatives 21.6 44.4 41.6 0.68 1.32 1.22
Other invested assets  111.4 124.0 136.6 3.48 3.69 4.01
Receivables for securities  1.8 2.1 2.1 0.06 0.06 0.06
Securities lending reinvested collateral assets 10.6 10.1 10.8 0.33 0.30 0.32
Write-ins for invested assets  0.5 0.2 -0.3 0.02 0.01 -0.01
Total cash and invested assets  $3,196.2 $3,360.5 $3,406.7 100.00% 100.00% 100.00%

(1) Includes cash and net admitted assets of life/health insurers.

Source: SNL Financial LC.

TOP TEN GLOBAL INSURANCE COMPANIES BY REVENUES, 2012 (1)

($ billions)
Rank Company Revenues Country Industry
1 Japan Post Holdings $190.9 Japan Life/health
2 Berkshire Hathaway 162.5 U.S. Property/casualty
3 AXA 154.6 France Life/health
4 Allianz 130.8 Germany Property/casualty
5 Assicurazioni Generali 113.8 Italy Life/health
6 UnitedHealth Group 110.6 U.S. Health
7 Prudential 87.9 U.K. Life/health
8 Nippon Life 86.7 Japan Life/health
9 Prudential Financial 84.8 U.S. Life/health
10 Munich Re Group 84.0 Germany Property/casualty

(1) Based on an analysis of companies in the Global Fortune 500. Includes stock and mutual companies.

Source: Fortune.

TOP TEN EMERGING MARKETS BY INSURANCE DENSITY, 2012 (1)

    Total premiums (2)
Rank Country Per capita
(U. S. dollars)		 As a percent of
GDP
1 United Arab Emirates $1,464.2 1.98%
2 Slovenia 1,247.7 5.46
3 Macao 1,189.5 1.63
4 South Africa 1,080.9 14.16
5 Czech Republic 746.7 3.72
6 Trinidad and Tobago 705.3 4.27
7 Qatar 695.9 0.63
8 Chile 601.5 3.98
9 Malaysia 514.2 (3) 4.80
10 Mauritius 499.2 5.94

(1) Based on insurance premiums per capita. Excludes cross-border business.
(2) Life and nonlife premiums. Data are estimated except for Czech Republic; data for Macao is provisional.
(3) April 1, 2012-March 31, 2013.

Source: Swiss Re, sigma, 3/2013.

INSURANCE IN EMERGING MARKETS, 2012

($ millions)
  Direct premiums written, 2012 Percent change from 2011 (1) Share of world market Premiums as percent of GDP Premiums per capita
Total industry          
Advanced markets  $3,889,836 1.7% 84.3% 8.6% $3,677.3
Emerging markets 722,678 6.8 15.7 2.7 120.2
World $4,612,514 2.4% 100.0% 6.5% $655.7
Life          
Advanced markets  2,242,323 1.8 85.6 5.0 2,132.8
Emerging markets 378,540 4.9 14.4 1.4 62.9
World $2,620,864 2.3% 100.0% 3.7% $372.6
Nonlife          
Advanced markets  1,647,512 1.5 82.7 3.6 1,544.5
Emerging markets 344,138 8.6 17.3 1.3 57.2
World $1,991,650 2.6% 100.0% 2.8% $283.1

(1) Inflation-adjusted.

Source: Swiss Re, sigma, No. 3/2013.

TRENDS IN PERSONAL INJURY LAWSUITS, 2007-2011 (1)

Year Award median Probability range Award range Award mean
2007 $37,463 $9,000 – $248,079 $1 – $102,714,734 $827,880
2008 40,000 10,000 – 226,729 1 – 188,000,000 837,426
2009 39,932 9,879 – 207,639 1 – 77,418,670 752,742
2010 39,149 10,000- 200,000 1 – 71,000,000 654,755
2011 55,000 11,500 – 300,000 1 – 58,619,989 741,450
Overall $40,000 $9,485 – $235,000 $1 – $212,580,000 $782,020

(1) Does not include punitive damages.

Source: Thomson Reuters, Jury Verdict Research Series.

TOP TEN U.S. METROPOLITAN STATISTICAL AREAS BY MOTOR VEHICLE THEFT RATE, 2012

Rank Metropolitan Statistical Area (1) Vehicles stolen Rate (2)
1 Modesto, CA 4,260 816.52
2 Fresno, CA 7,563 797.87
3 Bakersfield, CA 6,797 793.90
4 Stockton-Lodi, CA 4,940 703.09
5 Yakima, WA 1,665 674.15
6 San Francisco-Oakland-Hayward, CA 28,220 633.37
7 San Jose-Sunnyvale-Santa Clara, CA 11,810 623.42
8 Vallejo-Fairfield, CA 2,615 621.50
9 Spokane-Spokane Valley, WA 3,025 568.34
10 Redding, CA 938 525.24

(1) Metropolitan Statistical Areas are designated by the federal Office of Management and Budget and usually include areas much larger than the cities for which they are named.
(2) Rate of vehicle thefts reported per 100,000 people based on the 2012 U.S. Census Population Estimates.

Source: National Insurance Crime Bureau.

DRIVING BEHAVIORS REPORTED FOR DRIVERS AND MOTORCYCLE OPERATORS INVOLVED IN FATAL CRASHES, 2011

Behavior   Number Percent
Driving too fast for conditions or in excess of posted speed limit 9,080 20.8%
Under the influence of alcohol, drugs or medication 6,042 13.8
Failure to keep in proper lane 4,039 9.2
Failure to yield right of way 3,148 7.2
Distracted (phone, talking, eating, etc.) 3,085 7.1
Operating vehicle in erratic, reckless, careless or negligent manner 2,604 6.0
Overcorrecting/oversteering 2,080 4.8
Failure to obey traffic signs, signals or officer 1,826 4.2
Swerving or avoiding due to wind, slippery surface, other
vehicle, object, nonmotorist in roadway, etc.		 1,741 4.0
Vision obscured (rain, snow, glare, lights, buildings, trees, etc.) 1,301 3.0
Drowsy, asleep, fatigued, ill, or blacked out 1,152 2.6
Driving wrong way in one-way traffic or on wrong side of road 1,082 2.5
Making improper turn 1,015 2.3
Other factors 6,562 15.0
Unknown 4,569 10.5
None reported 13,012 29.8
Total drivers (1) 43,668 100.0%

(1) The sum of percentages is greater than total drivers as more than one factor may be present for the same driver.

Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.

DRIVERS IN MOTOR VEHICLE CRASHES BY AGE, 2011

Age group Number of licensed drivers Percent of total Drivers in fatal crashes Involvement rate (1) Drivers in all crashes Involvement rate (1)
Under 16 361,046 0.2% 115 NA 16,000 NA
16 to 20 12,280,859 5.8 4,292 34.95 1,219,000 9,923
21 to 24 14,265,636 6.7 4,465 31.30 1,050,000 7,361
25 to 34 36,892,373 17.4 8,517 23.09 1,944,000 5,269
35 to 44 36,938,903 17.4 7,058 19.11 1,734,000 4,695
45 to 54 41,172,350 19.4 7,493 18.20 1,501,000 3,645
55 to 64 35,397,534 16.7 5,542 15.66 1,106,000 3,123
65 to 74 20,511,896 9.7 2,947 14.37 506,000 2,465
Over 74 14,054,051 6.6 2,522 17.95 314,000 2,234
Total 211,874,649 100.0% 43,668 (2) 20.61 9,390,000 (2) 4,432

(1) Per 100,000 licensed drivers.
(2) Includes drivers of unknown age.

NA=Not applicable.

Source: U.S. Department of Transportation, National Highway Traffic Safety Administration; Federal Highway Administration.

PERSONS KILLED IN TOTAL AND ALCOHOL-IMPAIRED CRASHES BY PERSON TYPE, 2011

    Alcohol-impaired driving fatalities  (1)
Person type Total killed Number Percent of total killed
Vehicle occupants      
     Driver 16,430 5,774 35%
     Passenger 5,953 1,826 31
     Unknown occupant 65 3 4
     Total 22,448 7,603 34%
Motorcyclists 4,612 4,565 34%
Nonoccupants      
     Pedestrian 4,432 601 14
     Pedalcyclist 677 79 12
     Other/unknown 198 31 15
     Total 5,307 710 13%
Total 32,367 9,878 31%

(1) Alcohol-impaired driving crashes are crashes that involve at least one driver or a motorcycle operator with a blood alcohol concentration (BAC) of 0.08 percent or above, the legal definition of drunk driving.

Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.

SEX OF DRIVERS INVOLVED IN CRASHES, 2002-2011 (1)

  Fatal crashes Injury crashes
  Male Female Male Female
Year Number Rate (2) Number Rate (2) Number Rate (2) Number Rate (2)
2002 41,995 43.03 14,876 15.34 2,000,043 2,049 1,481,476 1,528
2003 42,177 42.95 15,106 15.43 1,989,702 2,026 1,524,785 1,557
2004 41,876 42.06 15,272 15.38 1,911,852 1,920 1,482,315 1,493
2005 42,947 42.84 14,967 14.92 1,836,711 1,832 1,425,161 1,421
2006 41,912 41.49 14,661 14.43 1,762,552 1,745 1,387,324 1,366
2007 40,804 39.82 14,099 13.65 1,719,000 1,677 1,339,000 1,296
2008 36,881 35.59 12,568 12.00 1,609,000 1,553 1,280,000 1,223
2009 32,807 31.47 11,825 11.22 1,499,561 1,438 1,224,613 1,162
2010 31,965 30.63 11,811 11.17 1,516,000 1,453 1,265,000 1,196
2011 31,809 30.32 11,209 10.48 1,507,000 1,436 1,244,000 1,163
 
  Property damage-only crashes Total crashes
  Male Female Male Female
Year Number Rate (2) Number Rate (2) Number Rate (2) Number Rate (2)
2002 4,436,198 4,545 2,999,111 3,093 6,478,236 6,638 4,495,463 4,636
2003 4,527,515 4,610 3,019,961 3,084 6,559,394 6,679 4,559,852 4,657
2004 4,404,779 4,424 3,037,126 3,058 6,358,507 6,387 4,534,713 4,566
2005 4,357,188 4,347 3,007,038 2,998 6,236,846 6,222 4,447,166 4,435
2006 4,232,184 4,190 2,967,964 2,922 6,036,648 5,976 4,369,949 4,302
2007 4,345,000 4,241 3,066,000 2,968 6,105,000 5,968 4,418,000 4,278
2008 4,174,000 4,028 2,967,000 2,834 5,820,000 5,617 4,260,000 4,069
2009 3,913,473 3,753 2,931,260 2,782 5,445,840 5,223 4,167,698 3,956
2010 3,854,000 3,693 2,862,000 2,707 5,402,000 5,176 4,139,000 3,915
2011 3,675,000 3,503 2,921,000 2,730 5,213,000 4,970 4,176,000 3,904

(1) Drivers age 16 and over, includes motorcycle riders and restricted and graduated drivers license holders in some states.
(2) Rate per 100,000 licensed drivers.

Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.

VEHICLES INVOLVED IN CRASHES BY VEHICLE TYPE AND CRASH SEVERITY, 2002 AND 2011

  Fatal crashes Injury crashes Property damage-only crashes
  2002 2011 2002 2011 2002 2011
Passenger cars            
Crashes 27,374 17,442 2,136,000 1,571,000 4,443,000 3,740,000
Rate per 100 million vehicle miles traveled 1.70 1.17 132 105 275 250
Rate per 100,000 registered vehicles 21.00 12.96 1,639 1,168 3,408 2,779
Light trucks (1)            
Crashes 21,688 16,740 1,210,000 1,026,000 2,757,000 2,582,000
Rate per 100 million vehicle miles traveled 2.14 1.45 120 89 273 224
Rate per 100,000 registered vehicles 26.54 16.16 1,482 990 3,376 2,492
Motorcycles            
Crashes 3,365 4,749 58,000 77,000 17,000 18,000
Rate per 100 million vehicle miles traveled 35.23 25.67 612 414 173 98
Rate per 100,000 registered vehicles 67.24 56.28 1,167 907 330 216

(1) Trucks with 10,000 pounds or less gross vehicle weight. Includes pickups, vans, truck-based station wagons and utility vehicles.

Source: U.S. Department of Transportation (USDOT), National Highway Traffic Safety Administration (NHTSA). Vehicle miles traveled – USDOT, Federal Highways Administration, revised by NHTSA; Registered passenger cars and light trucks – R.L. Polk & Co; Registered motorcycles – USDOT, Federal Highway Administration.

INDIVIDUAL ANNUITY CONSIDERATIONS, 2008-2012 (1)

($ billions)
       Total
Year Variable Fixed Amount Percent change
from prior year
2008 $155.7 $109.3 $265.0 3.2%
2009 128.0 110.6 238.6 -10.0
2010 140.5 81.9 222.4 -6.8
2011 157.9 80.5 238.4 7.2
2012 147.4 72.0 219.4 -8.0

(1) Based on LIMRA’s estimates of the total annuity sales market. Includes some considerations (i.e. premiums) that though bought in group settings involve buying decisions.

Source: LIMRA International.

INSURANCE PROVIDED BY BEACH AND WINDSTORM PLANS, FISCAL YEAR 2012 (1)

  Number of    
State Habitational policies Commercial policies Exposure (2)
($000)		 Direct written premiums ($000)
Alabama 26,748 94 $4,584,758 $46,101
Mississippi 43,024 1,148 6,873,544 77,650
North Carolina 221,848 11,555 81,003,748 335,258
South Carolina 44,902 953 15,727,550 95,819
Texas 269,840 16,627 74,186,950 443,480
Total 606,362 30,377 $182,376,550 $998,308

(1) The Florida and Louisiana Beach Plans merged with their FAIR Plans, see chart on page __.
(2) Exposure is the estimate of the aggregate value of all insurance in force in each state’s Beach and Windstorm Plan in all lines (except liability, where applicable, and crime) for 12 months ending September through December.

Source: Property Insurance Plans Service Office (PIPSO).

INSURANCE PROVIDED BY FAIR PLANS BY STATE, FISCAL YEAR 2012 (1)

  Number of     
State Habitational policies Commercial policies Exposure (2) ($000) Direct written premiums ($000)
California 124,122 5,710 $40,222,201 $65,630
Connecticut  2,872 133 544,239 3,521
Delaware 1,980 73 290,962 601
D.C. 370 74 120,949 384
Florida (3) 1,515,169 46,948 429,424,399 3,180,755
Georgia 26,996 1,685 3,588,963 23,665
Illinois 6,332 95 640,124 6,626
Indiana 2,119 50 198,870 1,803
Iowa 1,009 33 65,573 657
Kansas 12,768 170 728,864 6,254
Kentucky 10,532 551 510,921 6,806
Louisiana (3) 137,037 5,848 19,975,000 189,106
Maryland 2,403 90 427,021 1,481
Massachusetts 214,546 444 76,046,929 272,533
Michigan 26,662 416 3,198,256 28,238
Minnesota                  5,530 42 678,643 4,279
Mississippi 11,379 (4) 692,045 7,760
Missouri 4,267 163 231,458 2,162
New Jersey 18,893 592 2,707,750 11,027
New Mexico 10,279 251 67,777 3,619
New York 54,435 3,762 14,158,321 35,497
North Carolina 93,544 1,757 6,753,354 33,879
Ohio 31,828 575 6,910,928 24,714
Oregon 2,357 81 184,388 920
Pennsylvania 21,602 1,496 1,689,170 8,207
Rhode Island 15,772 126 3,799,590 19,954
Texas 135,050 (4) 17,966,799 102,383
Virginia 28,321 522 3,834,422 16,468
Washington 36 24 15,911 145
West Virginia 598 65 31,323 372
Total          2,518,808 71,776 $635,705,150 $4,059,446

(1) Does not include the FAIR Plans of Arkansas, Hawaii and Wisconsin.
(2) Exposure is the estimate of the aggregate value of all insurance in force in all FAIR Plans in all lines (except liability, where applicable, and crime) for 12 months ending September through December.
(3) Citizens Property Insurance Corporation, which combined the FAIR and Beach Plans.
(4) The Mississippi and Texas FAIR Plans do not offer a commercial policy.

Source: Property Insurance Plans Service Office (PIPSO).

INSURANCE PROVIDED BY FAIR PLANS, FISCAL YEARS 2003-2012 (1)

  Number of    
Year Habitational policies Commercial policies Exposure (2) ($000) Direct written premiums ($000)
2003 1,510,665 65,532 $345,909,146 $1,770,353
2004 1,907,337 138,163 400,413,034 2,164,546
2005 1,928,292 117,942 387,780,124 2,234,493
2006 2,389,299 172,070 601,859,916 4,063,324
2007 2,412,252 114,053 684,829,667 4,431,381
2008 2,190,189 90,876 612,749,753 3,727,311
2009 2,043,969 86,575 614,905,551 3,038,712
2010 2,378,736 83,243 662,633,180 3,448,576
2011 2,658,662 51,657 715,289,876 3,942,021
2012       2,518,808 71,776 635,705,150 4,059,446

(1) Includes the Texas FAIR Plan; Florida’s Citizens Property Insurance Corporation, which includes FAIR and Beach Plans; the Louisiana Citizens Property Insurance Corporation, which includes FAIR and Beach Plans for 2004, 2005 and premiums written after 2007; and North Carolina after 2010.
(2) Exposure is the estimate of the aggregate value of all insurance in force in all FAIR Plans in all lines (except liability, where applicable, and crime) for 12 months ending September through December.

Source: Property Insurance Plans Service Office (PIPSO).

PRIVATE PASSENGER CARS INSURED IN THE SHARED AND VOLUNTARY MARKETS, 2011

State Voluntary
market		 Shared
market		 Total Shared
market as a
percent of
total
Alabama 3,454,426 1 3,454,427 (1)
Alaska 473,997 133 474,130 0.028%
Arizona 4,165,845 2 4,165,847 (1)
Arkansas 2,130,050 1 2,130,051 (1)
California 24,221,088 711 24,221,799 0.003
Colorado 3,780,070 0 3,780,070 (1)
Connecticut 2,453,910 196 2,454,106 0.008
Delaware 618,481 4 618,485 0.001
D.C. 235,423 143 235,566 0.061
Florida 11,438,450 1,196 11,439,646 0.010
Georgia 6,963,952 0 6,963,952 (1)
Hawaii 823,376 4,445 827,821 0.537
Idaho 1,066,619 4 1,066,623 (1)
Illinois 7,941,775 824 7,942,599 0.010
Indiana 4,467,518 3 4,467,521 (1)
Iowa 2,412,376 20 2,412,396 0.001
Kansas 2,268,604 1,761 2,270,365 0.078
Kentucky 3,049,628 19 3,049,647 0.001
Louisiana 2,880,945 1 2,880,946 (1)
Maine 1,016,216 15 1,016,231 0.001
Maryland 3,871,092 49,615 3,920,707 1.265
Massachusetts 4,145,622 110,505 4,256,127 2.596
Michigan 6,165,673 290 6,165,963 0.005
Minnesota 3,837,589 4 3,837,593 (1)
Mississippi 1,833,933 23 1,833,956 0.001
Missouri 4,250,307 24 4,250,331 0.001
Montana 809,847 111 809,958 0.014
Nebraska 1,492,530 1 1,492,531 (1)
Nevada 1,791,981 5 1,791,986 (1)
New Hampshire 896,567 281 896,848 0.031
New Jersey 5,298,071 60,858 5,358,929 1.136
New Mexico 1,523,172 0 1,523,172 (1)
New York 9,279,425 79,004 9,358,429 0.844
North Carolina 5,564,766 1,603,257 7,168,023 22.367
North Dakota 624,462 0 624,462 (1)
Ohio 8,100,690 0 8,100,690 (1)
Oklahoma 2,823,464 23 2,823,487 0.001
Oregon 2,687,347 3 2,687,350 (1)
Pennsylvania 8,589,945 9,163 8,599,108 0.107
Rhode Island 664,224 8,370 672,594 1.244
South Carolina 3,408,225 -1 3,408,224 (1)
South Dakota 687,592 0 687,592 (1)
Tennessee 4,303,497 10 4,303,507 (1)
Texas (2) NA NA NA NA
Utah 1,827,781 0 1,827,781 (1)
Vermont 483,383 112 483,495 0.023
Virginia 6,132,960 727 6,133,687 0.012
Washington 4,499,231 0 4,499,231 (1)
West Virginia 1,323,344 6 1,323,350 (1)
Wisconsin 4,010,389 0 4,010,389 (1)
Wyoming 523,597 0 523,597 (1)
United States 187,313,455 1,931,870 189,245,325 1.021%

(1) Less than 0.001 percent.
(2) Texas car years are no longer available.

NA=Data not available.

Source: Automobile Insurance Plans Service Office.

ANNUAL RATE OF RETURN: NET INCOME AFTER TAXES AS A PERCENT OF EQUITY, 2003-2012

  Property/casualty
insurance		 Life/health Selected other industries (1)  
Year Statutory
accounting (2)		 GAAP
accounting (3)		 Life/health
insurance (4)		 Healthcare
insurance (5)		 Diversified
financial (6)		 Commercial
banks		 Electric
and gas
utilities		 Fortune 500
combined
industrials
and service (7)
2003 9.5% 8.8% 9.0% NA 19.5% 14.9% 10.5% 12.6%
2004 10.4 9.4 11.0 NA 15.0 15.5 10.5 13.9
2005 10.8 9.6 13.0 16.2% 15.0 16.0 10.0 14.9
2006 14.4 12.7 12.0 19.0 15.0 15.0 11.0 15.4
2007 12.4 10.9 11.0 19.0 -1.0 11.0 11.0 15.2
2008 0.6 0.1 1.0 11.0 8.0 3.0 13.0 13.1
2009 5.9 5.0 4.0 14.0 9.0 4.0 9.0 10.5
2010 6.6 5.6 7.0 12.0 10.0 8.0 10.0 12.7
2011 3.5 3.0 8.0 15.0 12.0 8.0 10.0 14.5
2012 5.9 5.1 7.0 12.0 18.0 9.0 8.0 15.0

(1) Return on equity on a GAAP accounting basis, Fortune.
(2) Net income after taxes, divided by average policyholders’ surplus. Calculated by ISO. Statutory accounting is used by insurers when preparing the Annual Statements they submit to regulators.
(3) Return on average net worth, ISO.
(4) Return on equity on a GAAP accounting basis, Fortune. Combined stock and mutual companies, calculated by the Insurance Information Institute.
(5) Healthcare insurance and managed care.
(6) Companies whose major source of revenue comes from providing diversified financial services. These companies are not specifically chartered as insurance companies, banks or savings institutions, or brokerage or securities companies, but they may earn revenue from these sources.
(7) Fortune 500 Combined Industrial and Service Businesses median return on shareholders' equity.

NA=Data not available.

Source: ISO, a Verisk Analytics company; Fortune.

INDIVIDUAL LONG-TERM CARE (LTC) INSURANCE, 2012 (1)

  Lives Percent change,
2011-2012		 Premium
($ millions)		 Percent change,
2011-2012
New business 232,796 (2) $580 5%
In-force (3) 4,850,000 1% 9,500 3

(1) Based on LIMRA International's Individual LTC Sales survey, representing over 95% of the individual LTC market.
(2) Less than 1 percent.
(3) Includes estimates for non-participants

Source: LIMRA International.

TOP TEN WRITERS OF LIFE INSURANCE/ANNUITIES BY DIRECT PREMIUMS WRITTEN, 2012

($000)
Rank Group/company Direct premiums written (1) Market share (2)
1 MetLife Inc.  $102,321,495 16.6%
2 Prudential Financial Inc.  85,852,775 13.9
3 Jackson National Life Group  24,206,886 3.9
4 New York Life Insurance Group  24,010,473 3.9
5 ING Groep N.V.  23,513,207 3.8
6 Lincoln National Corp.  21,004,314 3.4
7 Manulife Financial Corp.  20,965,672 3.4
8 Massachusetts Mutual Life Insurance Co.  20,751,732 3.4
9 AEGON NV  19,695,559 3.2
10 Principal Financial Group Inc.  18,336,972 3.0

(1) Includes life insurance, annuity considerations, deposit-type contract funds and other considerations; excludes accident and health insurance from life/health insurers. Before reinsurance transactions.
(2) Based on U.S. total, includes territories.

Source: SNL Financial LC.

TOP TEN WRITERS OF PROPERTY/CASUALTY INSURANCE BY DIRECT PREMIUMS WRITTEN, 2012

($000)
Rank Group/company Direct premiums written (1) Market share (2)
1 State Farm Mutual Automobile Insurance $53,654,237 10.3%
2 Liberty Mutual 28,297,511 5.4
3 Allstate Corp. 26,652,040 5.1
4 American International Group 23,596,418 4.5
5 Travelers Companies Inc. 22,695,958 4.3
6 Berkshire Hathaway Inc. 20,236,495 3.9
7 Farmers Insurance Group of Companies (3) 18,311,402 3.5
8 Nationwide Mutual Group 17,042,933 3.3
9 Progressive Corp. 16,559,746 3.2
10 USAA Insurance Group 13,286,274 2.5

(1) Before reinsurance transactions, includes state funds.
(2) Based on U.S. total, includes territories.
(3) Data for Farmers Insurance Group of Companies and Zurich Financial Group (which owns Farmers' management company) are reported separately by SNL Financial.

Source: SNL Financial LC.

PROPERTY/CASUALTY AND LIFE/HEALTH INSURANCE DIRECT PREMIUMS WRITTEN, 2003-2012

($000)
Year Property/casualty (1) Life/health (2) Total
2003 $452,596,056 $517,806,220 $970,402,276
2004 483,463,200 544,478,105 1,027,941,306
2005 494,700,641 559,584,322 1,054,284,963
2006 508,324,604 610,600,894 1,118,925,499
2007 510,979,916 658,640,229 1,169,620,145
2008 498,690,753 676,159,383 1,174,850,136
2009 483,081,379 622,307,948 1,105,389,328
2010 484,404,467 629,273,175 1,113,677,642
2011 502,005,179 674,152,227 1,176,157,405
2012 523,610,103 704,167,279 1,227,777,382
Percent change,
2003-2012		 15.7% 36.0% 26.5%

(1) Direct premiums written, excludes some state funds.
(2) Premiums, annuity considerations (fees for annuity contracts) and deposit-type funds for life/health insurance companies.

Source: SNL Financial LC.

PROPERTY/CASUALTY AND LIFE/HEALTH INSURANCE NET PREMIUMS WRITTEN, 2003-2012

($000)
Year Property/casualty (1) Life/health (2) Total
2003 $407,226,782 $477,752,340 $884,979,122
2004 425,465,344 507,250,884 932,716,228
2005 422,448,746 520,220,499 942,669,245
2006 447,803,993 575,030,988 1,022,834,981
2007 446,180,660 609,348,564 1,055,529,224
2008 440,320,183 622,120,472 1,062,440,655
2009 423,528,077 506,664,912 930,192,989
2010 425,878,773 577,614,191 1,003,492,964
2011 441,562,154 619,522,960 1,061,085,114
2012 456,116,738 642,602,989 1,098,719,727
Percent change,
2003-2012		 12.0% 34.5% 24.2%

(1) Net premiums written, excludes state funds.
(2) Premiums, annuity considerations (fees for annuity contracts) and deposit-type funds for life/health insurance companies.

Source: SNL Financial LC.

TOP TEN UNDERWRITERS OF BANK LIFE INSURANCE PREMIUMS, BY TOTAL NEW PREMIUMS, 2012

($ millions)
Rank Company Premiums
1 Great West L & A    $464.5
2 Liberty Life of Boston    458.8
3 OneAmerica    125.4
4 Hartford    83.6
5 American General    53.0
6 Protective    52.5
7 Western Southern Group    48.0
8 Symetra    44.7
9 CUNA    4.5
10 Vantis Life    3.9

Source: Bank Insurance and Securities Research Associates (BISRA).

LICENSED OUT OF STATE INSURERS BY STATE, PROPERTY/CASUALTY AND LIFE/ANNUITIES, 2012 (1)

State Property/
casualty		 Life/
annuities		 State Property/
casualty		 Life/
annuities
Alabama 826 436 Montana 840 438
Alaska 380 291 Nebraska 872 454
Arizona 950 476 Nevada 879 457
Arkansas 869 488 New Hampshire 587 311
California 688 414 New Jersey 753 378
Colorado 836 455 New Mexico 776 477
Connecticut 717 357 New York 708 89
Delaware 772 432 North Carolina 828 453
D.C. 775 459 North Dakota 791 454
Florida 925 410 Ohio 851 460
Georgia 981 474 Oklahoma 880 482
Hawaii 582 370 Pennsylvania 907 454
Idaho 835 442 Rhode Island 695 375
Illinois 870 453 South Carolina 1,043 459
Indiana 945 484 South Dakota 867 296
Iowa 862 390 Tennessee 938 492
Kansas 987 503 Texas 934 461
Kentucky 905 445 Utah 848 456
Louisiana 790 447 Vermont 661 315
Maine 656 340 Virginia 899 426
Maryland 860 422 Washington 843 424
Massachusetts 681 377 West Virginia 782 452
Michigan 788 425 Wisconsin 844 391
Minnesota 791 380 Wyoming 684 426
Mississippi 866 485 Average 789 407
Missouri 879 467      

(1) Includes insurers that are licensed to do business in a state, but are located outside the state. These insurers are referred to as "foreign insurers" by the NAIC. Excludes territories, health insurers, risk retention groups, fraternals, title and other insurers.

Source: Insurance Department Resources Report, 2012, published by the National Association of Insurance Commissioners (NAIC). Reprinted with permission. Further reprint or redistribution strictly prohibited without written permission of NAIC.

DOMESTIC INSURANCE COMPANIES BY STATE, PROPERTY/CASUALTY AND LIFE/ANNUITIES, 2012

State Property/
casualty		 Life/
annuities		 State Property/
casualty		 Life/
annuities
Alabama 18 6 Montana 3 1
Alaska 5 0 Nebraska 32 30
Arizona 45 35 Nevada 11 3
Arkansas 12 31 New Hampshire 53 2
California 111 16 New Jersey 69 2
Colorado 13 9 New Mexico 11 2
Connecticut 70 28 New York 210 79
Delaware 95 33 North Carolina 67 5
D.C. 5 2 North Dakota 16 4
Florida 120 11 Ohio 133 38
Georgia 31 15 Oklahoma 34 26
Hawaii 17 4 Oregon 15 4
Idaho 7 1 Pennsylvania 181 27
Illinois 194 56 Rhode Island 24 1
Indiana 71 27 South Carolina 24 9
Iowa 68 30 South Dakota 17 2
Kansas 28 12 Tennessee 16 12
Kentucky 9 7 Texas 217 129
Louisiana 34 40 Utah 11 16
Maine 15 1 Vermont 14 2
Maryland 36 6 Virginia 18 4
Massachusetts 55 17 Washington 12 9
Michigan 73 24 West Virginia 17 0
Minnesota 39 12 Wisconsin 175 21
Mississippi 15 17 Wyoming 1 1
Missouri 49 28 United States (1) 2,616 897

(1) Excludes territories, health insurers, risk retention groups, fraternals, title and other insurers.

Source: Insurance Department Resources Report, 2012, published by the National Association of Insurance Commissioners (NAIC). Reprinted with permission. Further reprint or redistribution strictly prohibited without written permission of NAIC.

U.S. INSURANCE MERGERS AND ACQUISITIONS, 2003-2012 (1)

($ millions)
  Property/casualty Life/annuity Health/managed care
Year Number of
transactions		 Transaction
values		 Number of
transactions		 Transaction
values		 Number of
transactions		 Transaction
values
2003 50 $20,353 25 $18,533 15 $20,353
2004 22 425 17 3,817 26 8,342
2005 49 9,264 21 21,865 22 15,886
2006 48 35,221 23 5,055 20 646
2007 67 13,615 19 5,849 52 9,661
2008 59 16,294 14 382 19 1,691
2009 63 3,507 22 840 18 640
2010 60 6,419 20 23,848 15 692
2011 77 12,458 34 3,063 25 4,703
2012 46 4,651 21 6,083 26 18,520
  Distribution Insurance services Total U.S. mergers and acquisitions
Year Number of
transactions		 Transaction
values		 Number of
transactions		 Transaction
values		 Number of
transactions		 Transaction
values
2003 118 $446 30 $240 238 $59,925
2004 190 60 37 2,234 292 14,878
2005 180 212 63 3,566 335 50,793
2006 246 944 69 1,156 406 43,022
2007 312 15,205 72 6,087 478 50,417
2008 284 5,812 94 7,256 470 31,435
2009 176 615 41 8,771 320 14,373
2010 243 1,727 98 13,823 436 46,509
2011 351 2,608 105 31,892 592 54,724
2012 323 4,225 62 9,673 478 43,152

(1) Includes transactions where a U.S. company was the acquirer and/or the target.

Source: Conning proprietary database.

INSURANCE COMPANY HOLDINGS OF U.S. MUNICIPAL SECURITIES AND LOANS, 2008-2012

($ billions, end of year)
  2008 2009 2010 2011 2012
Property/casualty $381.9 $369.4 $348.4 $331.0 $327.6
Life 47.1 73.1 112.3 121.6 131.2
Total $429.0 $442.5 $460.7 $452.6 $458.8

Source: Board of Governors of the Federal Reserve System, June 6, 2013.

FLOOD INSURANCE IN THE UNITED STATES, 2012 (1)

  Direct NFIP business WYO business Total NFIP/WYO
State Number of
policies		 Insurance
in force (2)
($ millions)		 Number of
policies		 Insurance
in force (2)
($ millions)		 Number of
policies		 Insurance
in force (2)
($ millions)
Alabama 11,836 $2,269.6 46,390 $9,989.4 58,226 $12,259.0
Alaska 808 177.3 2,246 556.2 3,054 733.5
Arizona 6,708 1,487.6 28,139 6,476.0 34,847 7,963.6
Arkansas 4,184 568.7 17,161 2,620.3 21,345 3,189.0
California 45,142 11,308.8 211,694 56,309.0 256,836 67,617.8
Colorado 4,426 985.4 16,910 3,838.3 21,336 4,823.7
Connecticut 3,049 653.3 38,458 9,058.8 41,507 9,712.1
Delaware 5,071 1,270.2 20,826 5,121.7 25,897 6,391.9
D.C. 137 23.0 2,079 354.7 2,216 377.7
Florida 195,127 48,664.7 1,863,074 428,131.3 2,058,201 476,796.0
Georgia 19,712 4,624.0 77,135 18,944.6 96,847 23,568.6
Hawaii 2,598 568.0 56,362 11,915.3 58,960 12,483.3
Idaho 1,402 305.3 5,659 1,273.7 7,061 1,579.0
Illinois 13,945 2,245.5 34,654 6,355.5 48,599 8,601.1
Indiana 8,310 1,215.8 22,749 4,074.6 31,059 5,290.4
Iowa 3,549 495.6 13,070 2,429.1 16,619 2,924.7
Kansas 3,249 477.9 9,911 1,657.6 13,160 2,135.4
Kentucky 4,443 582.8 20,615 3,091.4 25,058 3,674.1
Louisiana 139,403 31,374.3 347,122 81,574.7 486,525 112,949.1
Maine 793 151.9 8,418 1,824.8 9,211 1,976.7
Maryland 7,997 1,867.7 65,164 14,090.1 73,161 15,957.8
Massachusetts 6,495 1,364.9 52,358 12,334.5 58,853 13,699.3
Michigan 5,922 878.3 20,535 3,631.4 26,457 4,509.7
Minnesota 2,281 466.9 9,672 2,119.4 11,953 2,586.3
Mississippi 18,792 4,123.4 56,326 12,411.2 75,118 16,534.6
Missouri 5,377 781.4 21,276 3,616.3 26,653 4,397.7
Montana 1,107 194.7 4,757 851.2 5,864 1,045.9
Nebraska 2,991 425.7 10,090 1,736.8 13,081 2,162.6
Nevada 2,591 572.3 12,280 2,883.9 14,871 3,456.2
New Hampshire 749 149.2 8,563 1,734.4 9,312 1,883.6
New Jersey 21,899 4,441.5 216,839 50,748.3 238,738 55,189.8
New Mexico 2,940 500.4 13,784 2,565.1 16,724 3,065.6
New York 23,817 5,560.8 149,495 37,314.2 173,312 42,875.0
North Carolina 17,319 4,068.4 121,059 28,370.0 138,378 32,438.3
North Dakota 2,632 629.1 11,239 2,741.5 13,871 3,370.6
Ohio 8,912 1,226.9 32,971 5,618.2 41,883 6,845.1
Oklahoma 4,204 685.1 13,474 2,441.4 17,678 3,126.5
Oregon 7,746 1,723.2 26,978 6,149.6 34,724 7,872.8
Pennsylvania 13,007 1,825.3 60,686 11,635.9 73,693 13,461.2
Rhode Island 874 167.8 15,400 3,781.3 16,274 3,949.1
South Carolina 27,851 7,298.6 177,044 42,625.8 204,895 49,924.4
South Dakota 1,145 217.2 4,536 956.1 5,681 1,173.2
Tennessee 7,074 1,433.8 26,527 5,840.4 33,601 7,274.3
Texas 128,763 32,139.3 517,148 130,675.2 645,911 162,814.5
Utah 871 177.1 3,690 850.0 4,561 1,027.1
Vermont 525 69.6 3,921 800.0 4,446 869.6
Virginia 20,623 4,881.5 95,080 23,347.2 115,703 28,228.6
Washington 7,247 1,557.6 37,671 8,980.0 44,918 10,537.6
West Virginia 5,861 624.2 15,538 2,103.2 21,399 2,727.4
Wisconsin 2,612 397.5 13,464 2,415.7 16,076 2,813.2
Wyoming 575 109.5 2,104 440.1 2679 549.6
American Samoa 0 0.0 1 0.3 1 0.3
Guam 187 35.1 91 20.2 278 55.3
Puerto Rico 775 36.4 55,797 5,207.8 56,572 5,244.2
Virgin Islands 324 59.6 1,704 288.5 2,028 348.1
United States 835,977 $190,139.7 4,719,940 $1,086,923.4 5,555,917 $1,277,063.1

(1) Direct and WYO business may not add to total due to rounding.
(2) Total limits of liability for all policies in force.

Source: U.S. Department of Homeland Security, Federal Emergency Management Agency.

NATIONAL FLOOD INSURANCE PROGRAM, 1980-2012

     Losses paid
Year Policies in force
at year-end		 Number Amount ($000)
1980 2,103,851 41,918 $230,414
1985 2,016,785 38,676 368,239
1990 2,477,861 14,766 167,897
1995 3,476,829 62,441 1,295,578
2000 4,369,087 16,362 251,721
2005 4,962,011 213,288 17,754,889
2006 5,514,895 24,617 641,032
2007 5,655,919 23,162 613,701
2008 5,684,275 74,652 3,481,576
2009 5,700,235 30,969 779,250
2010 5,645,436 29,078 771,874
2011 5,646,144 77,268 2,396,294
2012 5,629,396 36,950 2,350,266

Source: U.S. Department of Homeland Security, Federal Emergency Management Agency.

HURRICANES AND RELATED DEATHS IN THE UNITED STATES, 1992-2012

Year Total hurricanes Made landfall
as hurricane
in the U.S.		 Deaths (1)
1992 4 1 27
1993 1 1 3
1994 1 0 8
1995 3 3 29
1996 3 2 59
1997 1 1 6
1998 10 3 23
1999 8 2 60
2000 8 0 4
2001 9 0 42
2002 4 1 5
2003 7 2 24
2004 9 6 (2) 59
2005 15 7 1,518
2006 5 0 0
2007 6 1 1
2008 8 4 (3) 41
2009 3 1 (4) 6
2010 12 0 11
2011 7 1 44
2012 10 1 (5) 83

(1) Includes fatalities from high winds of less than hurricane force from tropical storms.
(2) One hurricane (Alex) is considered a strike but not technically a landfall.
(3) Includes one hurricane (Hanna) which made landfall as a tropical storm.
(4) Hurricane Ida, which made landfall as a tropical storm.
(5) Excludes Hurricane Sandy which made landfall as a post-tropical storm.

Source: Insurance Information Institute from data supplied by the U.S. Department of Commerce, National Oceanic and Atmospheric Administration, National Hurricane Center.

MOTORCYCLE HELMET USE, 1994-2012 (1)

Year Percent Year Percent
1994 63% 2006 51%
1996 64 2007 58
1998 67 2008 63
2000 71 2009 67
2002 58 2010 54
2004 58 2011 66
2005 48 2012 60

(1) Based on surveys of motorcyclists using helmets meeting Department of Transportation standards. Surveys conducted in October for 1994-2000 and in June thereafter.

Source: U.S. Department of Transportation, National Occupant Protection Use Survey, National Highway Traffic Safety Administration's National Center for Statistics and Analysis.

U.S. REINSURANCE PREMIUMS CEDED TO UNAFFILIATED AND AFFILIATED OFFSHORE REINSURERS BY COUNTRY, 2010-2012 (1)

($ millions)
    Unaffiliated offshore reinsurers Affiliated offshore reinsurers  
Rank Country 2010 2011 2012 2010 2011 2012 2012 total
1 Bermuda (2) $9,821 $9,798 $9,387 $20,839 $21,802 $23,918 $33,305
2 Switzerland 1,178 1,316 1,151 7,430 7,496 9,013 10,164
3 United Kingdom (2) 4,536 4,680 4,719 776 792 544 5,263
4 Germany 2,387 2,697 2,883 875 972 1,318 4,201
5 Cayman Islands 2,271 2,548 2,963 413 377 591 3,554
6 Channel Islands 853 1,518 2,883 NA NA NA 2,883
7 Turks and Caicos 555 733 873 87 79 234 1,107
8 Barbados 448 607 652 NA NA NA 652
9 Ireland 505 485 454 258 323 194 648
10 British Virgin Islands 353 355 434 NA NA NA 434
11 Japan NA NA NA 180 323 294 294
12 Spain NA NA NA 139 164 278 278
13 France NA NA NA 420 436 256 256
  Total, countries shown $22,907 $24,737 $26,398 $31,417 $32,765 $36,640 $63,039
  Total, all countries $24,549 $26,374 $26,790 $32,167 $33,051 $36,929 $63,719

(1) Ranked by 2012 total reinsurance premiums.
(2) 2010 and 2011 revised due to the reclassification of a set of affiliated transactions.

NA=Data not available.

Source: Reinsurance Association of America.

WORLD LIFE AND NONLIFE INSURANCE PREMIUMS, 2010-2012 (1)

(Direct premiums written, U.S. $ millions)
Year Life Nonlife (2) Total
2010 $2,516,377 $1,819,310 $4,335,687
2011 2,611,718 1,954,445 4,566,163
2012 2,620,864 1,991,650 4,612,514

(1) Before reinsurance transactions.
(2) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2013.

TOP TEN COUNTRIES BY LIFE AND NONLIFE DIRECT PREMIUMS WRITTEN, 2012 (1)

(U.S. $ millions)
        Total premiums
Rank Country Life premiums Nonlife premiums (2) Amount Percent change
from prior year		 Percent of total
world premiums
1 United States (3), (4) $567,756 $703,128 $1,270,884 4.0% 27.55%
2 Japan (4), (5) 524,372 129,740 654,112 2.5 14.18
3 United Kingdom (6) 205,918 105,500 311,418 -0.5 6.75
4 P.R. China (4) 141,208 104,302 245,511 10.7 5.32
5 France (6) 149,346 93,112 242,459 -11.1 5.26
6 Germany (4) 106,411 125,497 231,908 -5.6 5.03
7 Italy 93,273 50,945      144,218 -10.3 3.13
8 South Korea (4), (5) 78,920 60,376 139,296 10.7 3.02
9 Canada (6), (7) 51,783 70,750 122,532 1.2 2.66
10 Netherlands (6) 29,338 71,005 100,342 -7.8 2.18

(1) Before reinsurance transactions.
(2) Includes accident and health insurance.
(3) Nonlife premiums include state funds; life premiums include an estimate of group pension business.
(4) Provisional.
(5) April 1, 2012-March 31, 2013.
(6) Estimated.
(7) Life premiums are net premiums.

Source: Swiss Re, sigma, No. 3/2013.

MOTORCYCLISTS KILLED BY TIME OF DAY AND DAY OF WEEK, 2011

  Day of week  
  Weekday Weekend Total
Time of day Number Percent Number Percent Number
Motorcyclists killed          
Midnight to 3 am 188 7.9% 272 12.3% 460
3 am to 6 am   86 3.6 104 4.7 190
6 am to 9 am   198 8.3 70 3.2 268
9 am to noon   236 9.9 170 7.7 406
Noon to 3 pm   394 16.5 354 16.0 748
3 pm to 6 pm   563 23.5 389 17.6 952
6 pm to 9 pm   429 17.9 483 21.9 912
9 pm to midnight   289 12.1 358 16.2 647
Total   2,392 100.0% 2,210 100.0%  4,612 (1)

(1) Includes 10 motorcyclists killed on unknown day of week.

Source: Insurance Institute for Highway Safety.

MOTORCYCLIST INJURIES AND INJURY RATES, 2002-2011

Year Injuries Registered motorcycles Injury rate per 100,000 registered motorcycles Vehicle miles traveled (millions) Injury rate per 100 million vehicle miles traveled
2002 65,000 5,004,156 1,293 9,552 677
2003 67,000 5,370,035 1,250 9,576 701
2004 76,000 5,767,934 1,324 10,122 755
2005 87,000 6,227,146 1,402 10,454 835
2006 88,000 6,678,958 1,312 12,049 727
2007 103,000 7,138,476 1,443 21,396 481
2008 96,000 7,752,926 1,238 20,811 461
2009 90,000 7,929,724 1,130 20,822 430
2010 82,000 8,009,503 1,024 18,513 443
2011 81,000 8,437,502 965 18,500 440

NA=Data not available.

Source: U.S. Department of Transportation, National Highway Traffic Safety Administration; Federal Highway Administration.

MOTORCYCLIST INJURIES AND INJURY RATES, 2002-2011

Year Injuries Registered motorcycles Injury rate per 100,000 registered motorcycles Vehicle miles traveled (millions) Injury rate per 100 million vehicle miles traveled
2002 65,000 5,004,156 1,293 9,552 677
2003 67,000 5,370,035 1,250 9,576 701
2004 76,000 5,767,934 1,324 10,122 755
2005 87,000 6,227,146 1,402 10,454 835
2006 88,000 6,678,958 1,312 12,049 727
2007 103,000 7,138,476 1,443 21,396 481
2008 96,000 7,752,926 1,238 20,811 461
2009 90,000 7,929,724 1,130 20,822 430
2010 82,000 8,009,503 1,024 18,513 443
2011 81,000 8,437,502 965 18,500 440

Source: U.S. Department of Transportation, National Highway Traffic Safety Administration; Federal Highway Administration.

MOTORCYCLIST FATALITIES AND FATALITY RATES, 2002-2011

Year Fatalities Registered motorcycles Fatality rate per 100,000 registered vehicles Vehicle miles traveled (millions) Fatality rate per 100 million vehicle miles traveled
2002 3,270 5,004,156 65.35 9,552 34.23
2003 3,714 5,370,035 69.16 9,576 38.78
2004 4,028 5,767,934 69.83 10,122 39.79
2005 4,576 6,227,146 73.48 10,454 43.77
2006 4,837 6,678,958 72.42 12,049 40.14
2007 5,174 7,138,476 72.48 21,369 24.18
2008 5,312 7,752,926 68.52 20,811 25.52
2009 4,469 7,929,724 56.36 20,822 21.46
2010 4,518 8,009,503 56.41 18,513 24.40
2011 4,612 8,437,502 54.66 18,500 24.93

Source: U.S. Department of Transportation, National Highway Traffic Safety Administration; Federal Highway Administration.

ODDS OF DEATH IN THE UNITED STATES BY SELECTED CAUSE OF INJURY (1)

Cause of death Number of deaths, 2008 One-year odds Lifetime odds
All motor vehicle accidents 39,790 7,650 98
Assault by firearm 12,179 24,992 321
     Car accidents 10,629 28,636 368
     Motorcycle accidents 5,143 59,182 761
Fall on and from stairs and steps 1,935 157,300 2,022
Drowning and submersion while in or
falling into swimming pool		 699 435,443 5,597
Firearms discharge (accidental) 592 514,147 6,609
Air and space transport accidents 545 558,486 7,178
Fall on and from ladder or scaffolding 441 690,192 8,871
Cataclysmic storm (2) 134 2,271,454 29,196
Exposure to smoke, fire and flames 122 2,494,876 32,068
Earthquake and other earth movements 40 7,609,371 97,807
Lightning 29 10,495,684 134,906
Bitten or struck by dog 27 11,273,142 144,899
Flood 7 43,482,121 558,896

(1) Based on fatalities and life expectancy in 2008. Ranked by deaths in 2008.
(2) Includes hurricanes, tornadoes, blizzards, dust storms and other cataclysmic storms.

Source: National Center for Health Statistics; National Safety Council.

MOTOR VEHICLE CRASH DEATHS BY MONTH, 2011

Rank Month Deaths Percent of total
11 January 2,234 7%
12 February 2,037 6
10 March 2,437 8
9 April 2,547 8
6 May 2,778 9
4 June 2,891 9
1 July 3,149 10
3 August 2,982 9
5 September 2,829 9
2 October 3,086 10
7 November 2,711 8
8 December 2,686 8
  Total 32,367 100%

Source: Insurance Institute for Highway Safety, based on an analysis of data from the U.S. Department of Transportation's Fatality Analysis Reporting System (FARS).

HOLIDAY DRIVING, 2007-2011

  Holiday period (1)
  New Year’s Day Memorial Day Independence Day Labor Day Thanksgiving Day Christmas Day
Year Deaths (2) Percent alcohol- impaired (3) Deaths (2) Percent alcohol- impaired (3) Deaths (2) Percent alcohol- impaired (3) Deaths (2) Percent alcohol- impaired (3) Deaths (2) Percent alcohol- impaired (3) Deaths (2) Percent alcohol- impaired (3)
2007 387 (3) 40% 475 (3) 37% 184 (1) 45% 508 (3) 42% 542 (4) 35% 454 (4) 38%
2008 407 (4) 41 414 (3) 41 472 (3) 44 473 (3) 40 484 (4) 35 409 (4) 32
2009 458 (4) 40 462 (3) 42 398 (3) 39 351 (3) 38 401 (4) 34 248 (3) 36
2010 286 (3) 48 389 (3) 40 365 (3) 39 390 (3) 36 417 (4) 40 249 (3) 37
2011 304 (3) NA 389 (3) NA 405 (3) NA 373 (3) NA 375 (4) NA 256 (3) NA

(1) The length of the holiday period depends on the day of the week on which the holiday falls. Memorial Day and Labor Day are always 3.25 days; Thanksgiving is always 4.25 days; and New Year’s Day, Independence Day, and Christmas are 3.25 days if the holiday falls on Friday through Monday, 4.25 days if on Tuesday or Thursday, and 1.25 days if on Wednesday.
(2) Number in parentheses refers to the number of whole days in the holiday period.
(3) The highest blood alcohol concentration (BAC) among drivers or motorcycle riders involved in the crash was 0.08 grams per deciliter (g/dL) or higher (the legal definition of drunk driving).

NA=Data not available.

Source: National Safety Council based on National Highway Traffic Safety Administration data.

TOP TEN STATES FOR HOMEOWNERS INSURANCE BY NUMBER OF CLAIMS FOR LIGHTNING LOSSES, 2012

Rank State Number of
paid claims		 Insured losses
($ millions)		 Average cost
per claim
1 Georgia 13,000 $73.2 $5,600
2 North Carolina 8,500 46.0 5,400
3 Pennsylvania 7,300 28.0 3,800
4 Louisiana 6,700 33.6 4,500
5 Texas 6,500 65.3 6,700
6 Tennessee 6,000 47.3 7,800
7 Alabama 5,700 37.9 9,700
8 Ohio 5,500 24.0 4,400
9 South Carolina 5,300 31.7 6,000
10 Illinois 4,400 30.4 6,800

Source: Insurance Information Institute, State Farm ®.

HOMEOWNERS INSURANCE CLAIMS AND PAYOUTS FOR LIGHTNING LOSSES, 2008-2012

            Percent change
  2008 2009 2010 2011 2012 2008-2012 2011-2012
Number of paid claims 246,200 185,789 213,278 186,307 151,000 -38.7% -19.0%
Insured losses ($ millions) $1,065.5 $798.0 $1,033.5 $952.5 $969.0 -9.1 1.7
Average cost per claim $4,329 $4,296 $4,846 $5,112 $6,400 47.8 25.2

Source: Insurance Information Institute, State Farm ®.

2012 WEATHER EVENTS, FATALITIES, INJURIES AND DAMAGE (1)

Weather events Fatalities Injuries Property damage
($ millions)		 Crop damage
($ millions)		 Total damage
($ millions)
Lightning 28 139 $47.89 $0.45 $48.34
Tornado 70 822 1,648.68 1.06 1,649.73
Thunderstorm wind 50 332 312.11 10.30 322.40
Hail 0 54 2,414.43 93.91 2,508.34
Total 148 1,347 $4,423.11 $105.72 $4,528.81

(1) Includes the 50 states, Puerto Rico, Guam and the Virgin Islands.

Source: U.S. Department of Commerce, National Oceanic and Atmospheric Administration, National Weather Service.

HAIL FATALITIES, INJURIES AND DAMAGE, 2008-2012 (1)

Year Fatalities Injuries Property damage
($ millions)		 Crop damage
($ millions)		 Total damage
($ millions)
2008 1 13 $464.34 $173.61 $637.95
2009 0 70 1,440.00 349.67 1,789.67
2010 0 42 924.11 99.82 1,023.93
2011 0 31 450.53 81.85 532.38
2012 0 54 2,414.43 93.91 2,508.34

(1) Includes Puerto Rico, Guam and the Virgin Islands.

Source: U.S. Department of Commerce, Storm Prediction Center, National Weather Service.

HOMEOWNERS INSURANCE CLAIMS AND PAYOUTS FOR LIGHTNING LOSSES, 2008-2012

            Percent change
  2008 2009 2010 2011 2012 2008-2012 2011-2012
Number of paid claims 246,200 185,789 213,278 186,307 151,000 -38.7% -19.0%
Insured losses ($ millions) $1,065.5 $798.0 $1,033.5 $952.5 $969.0 -9.1 1.7
Average cost per claim $4,329 $4,296 $4,846 $5,112 $6,400 47.8 25.2

Source: Insurance Information Institute, State Farm ®.

HOMEOWNERS INSURANCE CLAIMS AND PAYOUTS FOR LIGHTNING LOSSES || 2008-2012

            Percent change
  2008 2009 2010 2011 2012 2008-2012 2011-2012
Number of paid claims 246,200 185,789 213,278 186,307 151,000 -38.7% -19.0%
Insured losses ($ millions) $1,065.5 $798.0 $1,033.5 $952.5 $969.0 -9.1 1.7
Average cost per claim $4,329 $4,296 $4,846 $5,112 $6,400 47.8 25.2

Source: Insurance Information Institute, State Farm ®.

Clone of HOMEOWNERS INSURANCE CLAIMS AND PAYOUTS FOR LIGHTNING LOSSES | 2008-2012

            Percent change
  2008 2009 2010 2011 2012 2008-2012 2011-2012
Number of paid claims 246,200 185,789 213,278 186,307 151,000 -38.7% -19.0%
Insured losses ($ millions) $1,065.5 $798.0 $1,033.5 $952.5 $969.0 -9.1 1.7
Average cost per claim $4,329 $4,296 $4,846 $5,112 $6,400 47.8 25.2

Source: Insurance Information Institute, State Farm ®.

FIRST QUARTER 2014 FINANCIAL RESULTS*

($ billions)
Net Earned Premiums $117.9
Incurred Losses (Including loss adjustment expenses) 80.8
Expenses 34.2
Policyholder Dividends 0.7
Net Underwriting Gain (Loss) 2.2
Investment Income 11.2
Other Items 0.4
Pre-Tax Operating Gain 13.7
Realized Capital Gains (Losses) 2.9
Pre-Tax Income 16.6
Taxes 2.8
Net After-Tax Income $13.80
Surplus (End of Period) $662.00
Combined Ratio 97.3**

*Figures may not add to totals due to rounding. Calculations in text based on unrounded figures.
**Includes mortgage and financial guaranty insurers. Excluding these insurers the combined ratio was 97.4.

OPERATING RESULTS FOR 2014 AND 2013

($ millions)
FIRST QUARTER 2014 2013
NET WRITTEN PREMIUMS 121,421 117,201
PERCENT CHANGE (%) 3.6 4.3
NET EARNED PREMIUMS 117,880 112,971
PERCENT CHANGE (%) 4.3 4.6
     INCURRED LOSSES & LOSS ADJUSTMENT EXPENSES 80,789 74,376
PERCENT CHANGE (%) 8.6 -1.5
STATUTORY UNDERWRITING GAINS (LOSSES) 2,908 5,076
POLICYHOLDERS’ DIVIDENDS 673 555
NET UNDERWRITING GAINS (LOSSES) 2,235 4,521
PRETAX OPERATING INCOME 13,654 15,794
NET INVESTMENT INCOME EARNED 11,180 11,413
NET REALIZED CAPITAL GAINS (LOSSES) 2,933 1,387
NET INVESTMENT GAINS 14,113 12,800
NET INCOME (LOSS) AFTER TAXES 13,754 14,327
PERCENT CHANGE (%) -4 38.7
SURPLUS (CONSOLIDATED) 662,013 609,805
     LOSS & LOSS ADJUSTMENT EXPENSE RESERVES 574,648 576,475
COMBINED RATIO, POST-DIVIDENDS (%) 97.3 94.9

TOP 10 STATES WITH ESTIMATED NUMBER AND COST OF LIGHTNING CLAIMS, 2013

State Number of Claims Insured Losses ($ millions) Average Cost per Claim
GA 11,184 $56.0 $5,007
TX 6,419 54.2 8,436
NC 5,711 34.1 5,965
LA 5,547 21.6 3,902
AL 5,199 34.8 6,702
PA 4,483 22.4 4,987
TN 4,317 23.2 5,381
SC 4,011 23.1 5,755
OH 3,942 17.1 4,344
IL 3,849 25.6 6,646
Top 10 54,662 312.1 5,709
Other 60,078 361.4 6,015
U.S. 114,740 673.5 5,869

Source: Insurance Information Institute, State Farm®.

HOMEOWNERS INSURANCE CLAIMS AND PAYOUT FOR LIGHTNING LOSSES, 2004-2013

Year Number of Claims Value of Claims
($ millions)		 Average Cost Per Claim
2004 278,000 $735.5 $2,646
2005 265,700 819.6 3,084
2006 256,000 882.2 3,446
2007 177,100 942.4 5,321
2008 246,200 1,065.5 4,329
2009 185,789 798.1 4,296
2010 213,278 1,033.5 4,846
2011 186,307 952.5 5,112
2012 151,000 969.0 6,400
2013 114,740 673.5 5,869
% change, 2004-2013 -58.7% -8.4% 121.8%
% change, 2012-2013 -24.0% -30.5% -8.3%

Source: Insurance Information Institute, State Farm®.

Top 10 States By Estimated Number And Cost Of Dog Bite Claims, 2025 (1)

Rank State Number of claims Average cost per claim (2) Value of claims
($ millions)
1 California 2,830 $81,789 $231.5
2 Florida 2,347 62,375 146
3 Michigan 1,432 68,018 97
4 Ohio 1,348 41,413 56
5 Pennsylvania 1,324 68,786 91
6 Texas 1,313 70,885 93
7 New York 1,308 92,154 121
8 Illinois 1,283 79,596 102
9 Indiana 824 53,396 44
10 New Jersey 818 77,447 63
  Top 10 14,827 $70,496 $1,045.2
  Other 13,623 $59,959 $816.8
  Total United States 28,450 $65,450 $1,862.1

(1) Includes other dog-related injuries that have impacted claims such as fractures or other blunt force trauma injuries.
(2) Calculated from unrounded data.

Source: Insurance Information Institute, State Farm®.

States At High To Extreme Wildfire Risk, 2021 (1)

Rank State Estimated number of
properties at risk		 Rank State Percent of
properties at risk
1 California 2,040,600 1 Montana 29%
2 Texas 717,800 2 Idaho 26
3 Colorado 373,900 3 Colorado 17
4 Arizona 242,200 4 California 15
5 Idaho 175,000 5 New Mexico 15
6 Washington 155,500 6 Utah 14
7 Oklahoma 153,400 7 Wyoming 14
8 Oregon 147,500 8 Arizona 9
9 Montana 137,800 9 Oklahoma 9
10 Utah 136,000 10 Oregon 9
11 New Mexico 131,600 11 Texas 7
12 Nevada 67,100 12 Nevada 6
13 Wyoming 36,800 13 Washington 5

(1) As of October 2021.

Source: Verisk Wildfire Risk Analytics used data from FireLine®, Verisk’s wildfire risk management tool.

Holiday Driving, 2019-2023 (1)

  Holiday period (1)
  New Year’s Day Memorial Day Independence Day Labor Day Thanksgiving Day Christmas Day
Year Deaths Percent
alcohol-
impaired (2)		 Deaths Percent
alcohol-
impaired (2)		 Deaths Percent
alcohol-
impaired (2)		 Deaths Percent
alcohol-
impaired (2)		 Deaths Percent
alcohol-
impaired (2)		 Deaths Percent
alcohol-
impaired (2)
2019 428 36% 453 37% 498 39% 438 39% 413 29% 136 37%
2020 145 52 396 42 480 41 510 38 504 36 323 39
2021 398 42 455 42 517 40 510 41 521 37 382 36
2022 401 36 495 42 464 41 472 38 515 34 326 37
2023 431 34 465 39 602 38 495 36 474 35 377 37

(1) The length of the holiday period depends on the day of the week on which the holiday falls. Memorial Day and Labor Day are always 3.25 days; Thanksgiving is always 4.25 days; and New Year’s Day, Independence Day, and Christmas are 3.25 days if the holiday falls on Friday through Monday, 4.25 days if on Tuesday or Thursday, and 1.25 days if on Wednesday. See https://injuryfacts.nsc.org/motor-vehicle/holidays/holiday-introduction/ for more information.
(2) The highest blood alcohol concentration (BAC) among drivers or motorcycle riders involved in the crash was 0.08 grams per deciliter (g/dL) or higher (the legal definition of drunk driving in most states).

Source: National Safety Council based on National Highway Traffic Safety Administration data.

Motor Vehicle Crash Deaths By Month, 2023

Month Deaths Percent of total Rank
January 2,777 7% 10
February 2,645 7 12
March 2,776 7 11
April 3,065 8 9
May 3,229 9 5
June 3,193 8 6
July 3,401 9 4
August 3,423 9 2
September 3,409 9 3
October 3,505 9 1
November 3,088 8 8
December 3,143 8 7
Total 37,654 100%  

Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.

Top 10 Writers Of Life Insurance/Annuities In Vermont By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 TIAA   $84,650 7.7%
2 Jackson   75,519 6.9
3 MassMutual   64,011 5.9
4 New York Life   60,679 5.5
5 Prudential Financial Inc.   60,628 5.5
6 John Hancock   59,876 5.5
7 Lincoln Financial   43,013 3.9
8 AIG   41,841 3.8
9 Equitable Holdings   39,422 3.6
10 MetLife   39,271 3.6

(1) Includes life insurance, accident and health insurance, annuity considerations, deposit-type contract funds and other considerations. Before reinsurance transactions.

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

Top 10 Writers Of Life Insurance/Annuities In South Carolina By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Lincoln Financial   $496,138 6.6%
2 Prudential Financial Inc.   439,503 5.8
3 Principal Financial Group Inc.   403,264 5.4
4 AIG   330,139 4.4
5 New York Life   323,904 4.3
6 Jackson   320,657 4.3
7 MassMutual   270,273 3.6
8 MetLife   269,398 3.6
9 Athene   241,467 3.2
10 Allianz   233,179 3.1

(1) Includes life insurance, accident and health insurance, annuity considerations, deposit-type contract funds and other considerations. Before reinsurance transactions.

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

Top 10 Writers Of Life Insurance/Annuities In Rhode Island By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Prudential Financial Inc.   $443,092 18.8%
2 MassMutual   194,554 8.3
3 Jackson   136,030 5.8
4 TIAA   93,133 4.0
5 Lincoln Financial   83,879 3.6
6 Voya Financial Inc.   83,216 3.5
7 New York Life   82,882 3.5
8 AIG   79,902 3.4
9 John Hancock   72,801 3.1
10 Nationwide   55,598 2.4

(1) Includes life insurance, accident and health insurance, annuity considerations, deposit-type contract funds and other considerations. Before reinsurance transactions.

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

Top 10 Writers Of Life Insurance/Annuities In Pennsylvania By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Prudential Financial Inc.   $4,694,849 14.6%
2 MetLife   4,279,684 13.3
3 Lincoln Financial   1,643,247 5.1
4 MassMutual   1,303,114 4.0
5 Jackson   1,191,120 3.7
6 AIG   1,189,541 3.7
7 TIAA   1,000,542 3.1
8 Principal Financial Group Inc.   993,482 3.1
9 Nationwide   901,946 2.8
10 New York Life   887,451 2.8

(1) Includes life insurance, accident and health insurance, annuity considerations, deposit-type contract funds and other considerations. Before reinsurance transactions.

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

Top 10 Writers Of Life Insurance/Annuities In Oklahoma By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 MassMutual   $231,116 5.3%
2 Lincoln Financial   224,604 5.2
3 Prudential Financial Inc.   208,231 4.8
4 New York Life   201,442 4.7
5 Principal Financial Group Inc.   190,609 4.4
6 Athene   171,623 4.0
7 John Hancock   166,976 3.9
8 Jackson   163,589 3.8
9 Nationwide   126,415 2.9
10 Securian   124,208 2.9

(1) Includes life insurance, accident and health insurance, annuity considerations, deposit-type contract funds and other considerations. Before reinsurance transactions.

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

Top 10 Writers Of Life Insurance/Annuities In North Carolina By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Lincoln Financial   $992,020 6.2%
2 Prudential Financial Inc.   951,565 6.0
3 Transamerica   777,060 4.9
4 AIG   762,628 4.8
5 Jackson   643,196 4.0
6 New York Life   642,687 4.0
7 MassMutual   613,841 3.8
8 Athene   537,806 3.4
9 Nationwide   517,456 3.2
10 Principal Financial Group Inc.   497,349 3.1

(1) Includes life insurance, accident and health insurance, annuity considerations, deposit-type contract funds and other considerations. Before reinsurance transactions.

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

Top 10 Writers Of Life Insurance/Annuities In New York By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 MetLife   $32,862,927 31.9%
2 Equitable Holdings   31,483,910 30.5
3 New York Life   4,467,523 4.3
4 Prudential Financial Inc.   3,859,261 3.7
5 TIAA   3,153,286 3.1
6 MassMutual   3,014,463 2.9
7 AIG   2,131,391 2.1
8 Principal Financial Group Inc.   1,835,919 1.8
9 Guardian   1,775,852 1.7
10 John Hancock   1,548,366 1.5

(1) Includes life insurance, accident and health insurance, annuity considerations, deposit-type contract funds and other considerations. Before reinsurance transactions.

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

Top 10 Writers Of Life Insurance/Annuities In New Hampshire By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Lincoln Financial   $472,971 15.8%
2 Jackson   153,474 5.1
3 MassMutual   150,783 5.1
4 Prudential Financial Inc.   117,594 3.9
5 New York Life   112,162 3.8
6 AIG   109,491 3.7
7 Nationwide   108,933 3.7
8 John Hancock   103,308 3.5
9 Transamerica   90,424 3.0
10 Allianz   79,924 2.7

(1) Includes life insurance, accident and health insurance, annuity considerations, deposit-type contract funds and other considerations. Before reinsurance transactions.

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

Top 10 Writers Of Life Insurance/Annuities In Mississippi By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Prudential Financial Inc.   $243,224 7.3%
2 AIG   188,840 5.7
3 Lincoln Financial   145,227 4.4
4 New York Life   139,558 4.2
5 MassMutual   134,875 4.1
6 Jackson   130,655 3.9
7 Athene   119,419 3.6
8 Global Atlantic   103,240 3.1
9 Southern Farm Bureau Life Insurance 91,580 2.8
10 Transamerica   87,221 2.6

(1) Includes life insurance, accident and health insurance, annuity considerations, deposit-type contract funds and other considerations. Before reinsurance transactions.

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

Top 10 Writers Of Life Insurance/Annuities In Maine By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Lincoln Financial   $228,326 8.0%
2 Prudential Financial Inc.   128,577 7.0
3 Jackson   96,708 6.5
4 John Hancock   75,778 6.2
5 MassMutual   71,570 5.0
6 TIAA   70,530 4.6
7 AIG   69,381 4.5
8 New York Life   68,608 4.0
9 Transamerica   61,478 3.5
10 Allianz   59,995 3.3

(1) Includes life insurance, accident and health insurance, annuity considerations, deposit-type contract funds and other considerations. Before reinsurance transactions.

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

Top 10 Writers Of Life Insurance/Annuities In Louisiana By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 New York Life   $409,897 5.9%
2 Lincoln Financial   403,091 5.8
3 AIG   331,645 4.8
4 Prudential Financial Inc.   320,026 4.6
5 Jackson   257,695 3.7
6 Nationwide   216,074 3.1
7 Transamerica   205,181 3.0
8 MassMutual   203,294 2.9
9 Pacific Life   196,253 2.8
10 Athene   195,284 2.8

(1) Includes life insurance, accident and health insurance, annuity considerations, deposit-type contract funds and other considerations. Before reinsurance transactions.

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

Top 10 Writers Of Life Insurance/Annuities In Georgia By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 MetLife    $1,672,568 10.8%
2 AIG   836,986 5.4
3 Lincoln Financial   681,717 4.4
4 New York Life   671,913 4.3
5 Fidelity & Guaranty Life   654,812 4.2
6 MassMutual   644,637 4.2
7 Prudential Financial Inc.   639,766 4.1
8 Transamerica   635,145 4.1
9 John Hancock   485,796 3.1
10 Jackson   452,640 2.9

(1) Includes life insurance, accident and health insurance, annuity considerations, deposit-type contract funds and other considerations. Before reinsurance transactions.

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

Top 10 Writers Of Life Insurance/Annuities In Florida By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Lincoln Financial   $2,423,512 6.5%
2 Prudential Financial Inc.   2,208,280 5.9
3 AIG   2,167,180 5.8
4 Nationwide   1,986,172 5.3
5 MassMutual   1,828,836 4.9
6 Jackson   1,545,157 4.2
7 John Hancock   1,402,933 3.8
8 New York Life   1,290,308 3.5
9 Equitable Holdings   1,206,108 3.2
10 Transamerica   1,127,336 3.0

(1) Includes life insurance, accident and health insurance, annuity considerations, deposit-type contract funds and other considerations. Before reinsurance transactions.

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

Top 10 Writers Of Life Insurance/Annuities In Delaware By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 MetLife   $39,035,723 64.5%
2 New York Life   6,058,967 10.0
3 Prudential Financial Inc.   4,489,848 7.4
4 MassMutual   2,332,549 3.9
5 Jackson   2,283,156 3.8
6 Athene   1,068,336 1.8
7 Reliance Standard   812,096 1.3
8 Protective   711,745 1.2
9 USAA   632,867 1.1
10 Lincoln Financial   461,683 0.8

(1) Includes life insurance, accident and health insurance, annuity considerations, deposit-type contract funds and other considerations. Before reinsurance transactions.

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

Top 10 Writers Of Life Insurance/Annuities In Connecticut By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Prudential Financial Inc.   $9,260,854 45.6%
2 TIAA   1,297,538 6.4
3 Voya Financial Inc.   1,064,182 5.2
4 MassMutual   620,149 3.1
5 Lincoln Financial   476,934 2.4
6 CVS Health Corp.   440,079 2.2
7 MetLife   407,942 2.0
8 Jackson   364,192 1.8
9 AIG   354,156 1.7
10 Athene   348,602 1.7

(1) Includes life insurance, accident and health insurance, annuity considerations, deposit-type contract funds and other considerations. Before reinsurance transactions.

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

Top 10 Writers Of Life Insurance/Annuities In California By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Prudential Financial Inc.   $6,034,687 10.1%
2 Transamerica   3,993,833 6.7
3 New York Life   3,455,587 5.8
4 MassMutual   2,830,571 4.7
5 AIG   2,618,250 4.4
6 John Hancock   2,536,106 4.2
7 Lincoln Financial   2,496,134 4.2
8 Nationwide   2,153,137 3.6
9 MetLife   1,992,513 3.3
10 Jackson   1,944,404 3.3

(1) Includes life insurance, accident and health insurance, annuity considerations, deposit-type contract funds and other considerations. Before reinsurance transactions.

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

Top 10 Writers Of Life Insurance/Annuities In Alabama By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Lincoln Financial $328,079 5.3%
2 New York Life 278,407 4.5
3 Jackson 276,395 4.5
4 AIG 265,241 4.3
5 Prudential Financial Inc. 258,956 4.2
6 MassMutual 256,043 4.1
7 John Hancock 224,349 3.6
8 Global Atlantic 208,035 3.4
9 Nationwide 171,359 2.8
10 MetLife 167,489 2.7

(1) Includes life insurance, accident and health insurance, annuity considerations, deposit-type contract funds and other considerations. Before reinsurance transactions.

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

Total Potential Exposure To Wildfire Damage By Risk Category, 2014 (1)

($ billions)
State Low Moderate High Very high
Arizona $9.64 $0.98 $1.76 $1.57
California 75.84 61.92 89.35 16.10
Colorado 18.63 11.53 14.58 13.91
Idaho 9.20 5.56 3.71 2.62
Montana 14.63 4.43 2.29 2.40
Nevada 4.24 5.19 4.57 0.16
New Mexico 11.65 4.62 7.07 2.46
Oklahoma 31.92 16.77 0.03 0.00
Oregon 8.24 9.49 11.91 3.20
Texas 59.53 147.68 48.26 6.33
Utah 2.85 3.93 0.77 0.01
Washington 84.07 18.08 2.88 0.51
Wyoming 3.68 2.62 0.49 0.33
Total, states shown $331.27 $292.81 $187.66 $49.61

(1) Reconstruction value of single-family residences at risk.

Source: CoreLogic, Inc., a data and analytics company.

Employment by Industry, 2024

Industry Employees (000s)
Total, all industries 161,346
Agriculture 3,386
Mining and logging 626.3
Construction 8,211
Manufacturing 12,817
Wholesale and retail trade 21,677
Transportation, warehousing and utilities 7,787
Information 2,943
Financial activities 9,169
     Insurance carriers and related activities 3,001
Professional and business services 22,620
Education and health services 37,232
Leisure and hospitality 16,818
Public administration 6,122
Other government services 5,971
Other private services 5,966

Source: Bureau of Labor Statistics, Current Population Survey (CPS).

Incurred Losses For Commercial Insurance, 2020-2024 (1)

($000)
Year Incurred losses
2020 $171,271,047
2021 186,094,738
2022 202,958,686
2023 222,513,992
2024 233,803,640

(1) Losses occurring within a fixed period, whether or not adjusted or paid during the same period, after reinsurance transactions. Does not include incurred losses from certain insurers that write health insurance but file financial statements with state regulators on a property/casualty basis.

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

Incurred Losses for Homeowners Insurance, 2020-2024 (1)

($000)
Year Incurred losses
2020 $64,515,524
2021 65,534,158
2022 73,708,401
2023 90,478,225
2024 88,442,977

(1) Losses occurring within a fixed period, whether or not adjusted or paid during the same period, after reinsurance transactions.

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

TOP TEN WRITERS OF INDIVIDUAL ANNUITIES THROUGH BANKS, 2013

($000)
Rank  Company  Variable  Fixed-rate deferred Indexed  Fixed  immediate  Deferred income Total 
1 AIG Companies $2,029,152 $2,505,819 $271,527 $6,745 $270 $4,813,513
2 Jackson National Life 3,720,888 273,767 774,722 2,760 0 4,772,138
3 Pacific Life 1,764,041 404,561 572,966 116,964 0 2,858,532
4 Nationwide Financial 1,577,700 322,200 12,800 155,400 0 2,068,100
5 Symetra Financial 13 807,513 1,158,694 74,892 1,247 2,042,358
6 Lincoln Financial Group 1,851,563 19,348 112,265 1,208 0 1,984,383
7 Transamerica 1,824,807 82,468 0 1,036 0 1,908,311
8 Prudential Annuities 1,860,936 514 0 54 0 1,861,505
9 Great American 0 627,401 1,105,926 0 0 1,733,327
10 Security Benefit Life 0 1,452,047 48,897 0 0 1,500,944

Source: LIMRA, U.S. Individual Annuity Yearbook-2013 (2014).

INSURANCE PROVIDED BY FAIR PLANS BY STATE, FISCAL YEAR 2012 (1)

  Number of    
State Habitational
policies		 Commercial
policies		 Exposure
($000)		 Direct written
premiums ($000)
California 124,122 5,710 $40,222,201 $65,630
Connecticut  2,872 133 544,239 3,521
Delaware 1,980 73 290,962 601
D.C. 370 74 120,949 384
Florida (3) 1,515,169 46,948 429,424,399 3,180,755
Georgia 26,996 1,685 3,588,963 23,665
Illinois 6,332 95 640,124 6,626
Indiana 2,119 50 198,870 1,803
Iowa 1,009 33 65,573 657
Kansas 12,768 170 728,864 6,254
Kentucky 10,532 551 510,921 6,806
Louisiana (3) 137,037 5,848 19,975,000 189,106
Maryland 2,403 90 427,021 1,481
Massachusetts 214,546 444 76,046,929 272,533
Michigan 26,662 416 3,198,256 28,238
Minnesota 5,530 42 678,643 4,279
Mississippi 11,379 (4) 692,045 7,760
Missouri 4,267 163 231,458 2,162
New Jersey 18,893 592 2,707,750 11,027
New Mexico 10,279 251 67,777 3,619
New York 54,435 3,762 14,158,321 35,497
North Carolina 93,544 1,757 6,753,354 33,879
Ohio 31,828 575 6,910,928 24,714
Oregon 2,357 81 184,388 920
Pennsylvania 21,602 1,496 1,689,170 8,207
Rhode Island 15,772 126 3,799,590 19,954
Texas 135,050 (4) 17,966,799 102,383
Virginia 28,321 522 3,834,422 16,468
Washington 36 24 15,911 145
West Virginia 598 65 31,323 372
Total 2,518,808 71,776 $635,705,150 $4,059,446

(1) Does not include the FAIR Plans of Arkansas, Hawaii and Wisconsin.
(2) Exposure is the estimate of the aggregate value of all insurance in force in all FAIR Plans in all lines
(except liability, where applicable, and crime) for 12 months ending September through December.
(3) Citizens Property Insurance Corporation, which combined the FAIR and Beach Plans.
(4) The Mississippi and Texas FAIR Plans do not offer a commercial policy.

Source: Property Insurance Plans Service Office (PIPSO).

Passenger Vehicle Collision Coverage Insurance Losses, 2022-2024 Model Years

  Claim frequency (1) Claim severity Overall loss (2)
Passenger cars (3) 7.2 $10,298 $737
Pickups 5.1 10,354 533
SUVs 5.5 10,220 562
All passenger vehicles (4) 5.9 $10,267 $604

(1) Per 100 insured vehicle years.
(2) Represents the average loss payment per insured vehicle year.
(3) Includes minivans.
(4) Includes claims from cargo/passenger vans.

Source: Highway Loss Data Institute.

Average Homeowners Insurance Premiums Ranked By State, 2018 (1)

Rank (2) State Average premium Rank (2) State Average premium
1 Louisiana $1,987 27 Hawaii $1,140
2 Florida 1,960 28 Illinois 1,103
3 Texas (3) 1,955 29 North Carolina 1,103
4 Oklahoma 1,944 30 New Mexico 1,075
5 Rhode Island 1,630 31 California (4) 1,073
6 Kansas 1,617 32 Maryland 1,071
7 Colorado  1,616 32 Indiana 1,030
8 Mississippi 1,578 32 Virginia  1,026
9 Nebraska 1,569 35 Iowa 987
10 Massachusetts 1,543 36 Alaska 984
11 Connecticut 1,494 37 New Hampshire 984
12 Arkansas 1,419 38 Michigan 981
13 Alabama 1,409 39 West Virginia 970
14 Minnesota 1,400 40 Pennsylvania 943
15 Missouri 1,383 41 Vermont 935
16 New York 1,321 42 Maine 905
17 Georgia 1,313 43 Washington 881
18 North Dakota 1,293 44 Ohio 874
19 South Carolina 1,284 45 Delaware 873
20 South Dakota 1,280 46 Arizona  843
21 District Of Columbia 1,264 47 Wisconsin 814
21 Montana 1,237 48 Nevada 776
23 Tennessee 1,232 49 Idaho 772
24 New Jersey 1,209 50 Utah 730
25 Wyoming 1,187 51 Oregon 706
26 Kentucky 1,152   United States $1,249

(1) Includes policies written by Florida Citizens Property Insurance Corp. and Louisiana Citizens Property Insurance Corp., Alabama Insurance Underwriting Association, Massachusetts Property Insurance Underwriting Association, Michigan Basic Property Insurance Association, Mississippi Windstorm Underwriting Association and Residential Property Insurance Underwriting Association, New Jersey Insurance Underwriting Association, North Carolina Joint Underwriting Association, Ohio Fair Plan Underwriting Association, Rhode Island Joint Reinsurance Association and South Carolina Wind and Hail Underwriting Association, and Virginia Property Insurance Association. Other southeastern states have wind pools in operation and their data may not be included in this chart. Based on the HO-3 homeowner package policy for owner-occupied dwellings, 1 to 4 family units. Provides all risks coverage (except those specifically excluded in the policy) on buildings and broad named-peril coverage on personal property, and is the most common package written.
(2) States with the same premium receive the same rank.
(3) The Texas Department of Insurance developed home insurance policy forms that are similar but not identical to the standard forms. In addition, due to the Texas Windstorm Association (which writes wind-only policies) classifying HO-1, 2 and 5 premiums as HO-3, the average premium for homeowners insurance is artificially high.
(4) Data provided by the California Department of Insurance.

Note: Average premium=Premiums/exposure per house years. A house year is equal to 365 days of insured coverage for a single dwelling. The NAIC does not rank state average expenditures and does not endorse any conclusions drawn from this data.

Source: © 2020 National Association of Insurance Commissioners (NAIC). Reprinted with permission. Further reprint or distribution strictly prohibited without written permission of NAIC.

Licensed Out-Of-State Insurers By State, Property/Casualty And Life/Annuities, 2014 (1)

State Property/casualty Life/annuities State Property/casualty Life/annuities
Alabama 835 431 Montana 833 452
Alaska 360 245 Nebraska 874 451
Arizona 940 400 Nevada 880 445
Arkansas 894 480 New Hampshire 622 314
California 666 396 New Jersey 758 369
Colorado 845 449 New Mexico 851 457
Connecticut 706 350 New York 719 54
Delaware 779 423 North Carolina 834 443
D.C. 789 448 North Dakota 790 443
Florida 955 400 Ohio 839 448
Georgia 979 464 Oklahoma 899 673
Hawaii 592 363 Oregon 879 450
Idaho 836 432 Pennsylvania 901 441
Illinois 867 431 Rhode Island 724 373
Indiana 952 468 South Carolina 1124 428
Iowa 858 379 South Dakota 861 422
Kansas 974 483 Tennessee 937 471
Kentucky 916 441 Texas 940 456
Louisiana 806 444 Utah 877 450
Maine 676 340 Vermont 652 316
Maryland 875 407 Virginia 793 411
Massachusetts 679 372 Washington 844 419
Michigan 777 416 West Virginia 794 442
Minnesota 817 386 Wisconsin 831 381
Mississippi 888 468 Wyoming 692 413
Missouri 875 461 Average 795 404

(1) Includes insurers that are licensed to do business in a state, but are located outside the state. These insurers are referred to as "foreign insurers" by the NAIC. Excludes territories, health insurers, risk retention groups, fraternals, title and other insurers.

Source: Insurance Department Resources Report, 2014, published by the National Association of Insurance Commissioners (NAIC). Reprinted with permission. Further reprint or redistribution strictly prohibited without written permission of NAIC.

Top 10 Writers Of Life Insurance By Direct Premiums Written, 2024

($000)
Rank Group/company Direct premiums written (1) Market share (2)
1 Northwestern Mutual Life Insurance Co.  $13,672,073  6.8%
2 New York Life Insurance Group  12,773,778 6.4 
3 Prudential Financial Inc.  12,406,720 6.2 
4 MetLife Inc.  11,939,574 6.0 
5 Massachusetts Mutual Life Insurance Co.  8,829,679 4.4 
6 Lincoln National Corp.  7,973,669 4.0 
7 Nationwide 7,277,589 3.6 
8 State Farm  5,941,267 3.0 
9 Protective 5,601,544 2.8 
10 Securian Financial Group  5,231,177 2.6 

(1) Before reinsurance transactions. Based on U.S. total, includes territories. Excludes annuities, accident/health, deposit-type contract funds and other considerations.
(2) Based on U.S. total, excluding territories.

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

Top 10 Emerging Markets By Insurance Density, 2018 (1)

    Total premiums (2)
Rank Country Per capita (US$) As a percent of GDP (3)
1 Bahamas $1,963 6.20%
2 Slovenia 1,336 4.94
3 United Arab Emirates 1,305 2.92
4 Trinidad and Tobago 853 4.40
5 South Africa 840 12.89
6 Chile 747 4.60
7 Czech Republic 666 2.77
8 Bahrain 520 1.83
9 Malaysia 518 4.77
10 Slovakia 478 2.31

(1) Based on total insurance premiums per capita. Excludes cross-border business.
(2) Life and nonlife premiums. Data are estimated for Bahamas, Bahrain, Chile, Malaysia, Slovakia, South Africa and the United Arab Emirates.
(3) Gross domestic product.

Source: Swiss Re, sigma, 3/2019.

TOP 10 MOST FREQUENTLY STOLEN VEHICLES, 2014 MODEL YEAR

Rank Model Thefts
1 Ford Pickup (Full size) 964
2 Toyota Camry 869
3 Ford Fusion 819
4 Chevrolet Impala 746
5 Nissan Altima 687
6 Dodge Charger 680
7 Toyota Corolla 578
8 Chevrolet Cruze 566
9 Ford Focus 505
10 Chevrolet Malibu 410

Source: National Insurance Crime Bureau.

INDIVIDUAL ANNUITY CONSIDERATIONS, 2007-2011 (1)

($ billions)
      Total
Year Variable Fixed Amount Percent change
from prior year
2007 $184.0 $72.8 $256.8 7.6%
2008 155.7 109.3 265.0 3.2
2009 128.0 110.6 238.6 -10.0
2010 140.5 81.9 222.4 -6.8
2011 159.3 81.0 240.3 8.0

(1) Based on LIMRA’s estimates of the total annuity sales market. Includes some considerations (i.e., premiums) that though bought in group settings involve individual buying decisions.

Source: LIMRA International.

Top Five States By Recreational Watercraft Theft, 2022 (1)

Rank State Thefts
1 Florida 891
2 California 656
3 Texas 354
4 Washington 205
5 North Carolina 127

(1) Watercraft include personal watercraft (such as Jet Skis), runabouts, utility crafts, cruisers and sailboats.

Source: National Insurance Crime Bureau from data sourced from the National Crime Information Center at the U.S. Department of Justice.

Clone of Test CONTENTS CLAIM INDEX, HOMEOWERS INSURANCE, 2011 (1)

issues list   hrs rate $$   Notes
images add the tag to the info under the photo (only shows in Images tab) 8 $175 $1,400   Additional 1hr to move into the merge build if implemented on SPS alone right now.
images delete categores (tags?) not needed COMPLETED 0 $175 $0   N/A
images narrow down "library" options when selecting media 1 $175 $175   Additional .5hr to move into the merge build if implemented on SPS alone right now.
images add tag as one option when selecting media 8 $175 $1,400   Additional 1hr to move into the merge build if implemented on SPS alone right now.
reports check into issues with Sites Created report BUG 4 $0 $0   N/A – .5hr to move any changes/fixes over
reports check into issues with Content Viewed report BUG 4 $0 $0   N/A – .5hr to move any changes/fixes over
reports Sales Site Activity sending multiple times (Unknown/TBD)         N/A – .5hr to move any changes/fixes over
reports set up Content Viewed report to send AEs (only their accts) every Sunday 8 $175 $1,400   Showing AE's reporting on only the accounts they manage is in the merge build already for all reports. However, generating the email for this report is not. To include the Sunday email for Merge would take about 1hr.
users Add MD (managing director) as a user category 28 $175 $4,900   To implement into merge build would take about 3hrs
notes & highlights provide way to have links open in a new tab 1 $175 $175   Additional .5hr to move into the merge build if implemented on SPS alone right now.
notice e-mail please add Beth to the BCC list (eagaddy@gmail.com) 2 $175 $350   Additional .5hr to move into the merge build if implemented on SPS alone right now.
contact me page Add contactee name selected to the form 4 $175 $700   Additional .5hr to move into the merge build if implemented on SPS alone right now.
        $10,500   Total 7.5hrs additional to add to merge later
             
issues list Currently in Joint EML/SPS Prospect Sales Site hrs rate $$   Notes
collateral library add date added / eReview / expiration date 4 $175 $700   Already completed in merge build but not yet QA'd
video library add date added / eReview / expiration date 4 $175 $700   Already completed in merge build but not yet QA'd

U.S. Insurance Sales Abroad, 2010-2019

(US$ millions)
Year Sold directly (1) Sold through majority-owned
foreign affiliates of U.S.
multinational corporations (2)
2010 $14,854 $58,379
2011 14,673 59,942
2012 15,978 64,346
2013 15,768 65,239
2014 16,277 67,126
2015 15,464 63,746
2016 16,249 62,509
2017 18,223 60,441
2018 17,904 63,626
2019 16,238 NA

(1) Largely based on premiums. Includes adjustments for “normal” i.e., expected losses and premium supplements (income due to policy holders). BEA refers to this category as “cross border sales.” Includes property/casualty, life insurance and reinsurance.
(2) Based on sales by primary industry of the affiliate; there could be other services, such as financial services, included in the data.

NA=Data not available.

Source: U.S. Department of Commerce, Bureau of Economic Analysis, International Division.

FLOOD INSURANCE IN THE UNITED STATES, 2011 (1)

  Direct NFIP business WYO business Total NFIP/WYO
State Number of
policies		 Insurance
in force (2)
($ millions)		 Number of
policies		 Insurance
in force (2)
($ millions)		 Number of
policies		 Insurance
in force (2)
($ millions)
Alabama 12,212 $2,258.0 45,129 $9,640.5 57,341 $11,898.6
Alaska 848 167.3 2,132 520.3 2,980 687.6
Arizona 6,775 1,476.0 28,089 6,361.8 34,864 7,837.8
Arkansas 4,194 551.4 16,860 2,497.4 21,054 3,048.7
California 48,309 11,727.7 217,052 56,898.1 265,361 68,625.9
Colorado 4,461 950.4 15,746 3,548.3 20,207 4,498.6
Connecticut 3,057 654.7 38,740 8,945.4 41,797 9,600.1
Delaware 4,997 1,222.6 20,183 4,887.3 25,180 6,109.9
District of Columbia 127 19.1 1,920 328.5 2,047 347.7
Florida 207,903 50,590.7 1,850,050 420,412.9 2,057,953 471,003.6
Georgia 20,114 4,564.0 76,894 18,776.2 97,008 23,340.2
Hawaii 2,655 569.4 57,382 11,922.6 60,037 12,492.1
Idaho 1,445 308.5 5,709 1,284.7 7,154 1,593.2
Illinois 14,616 2,310.9 35,251 6,314.4 49,867 8,625.2
Indiana 9,151 1,284.7 23,149 4,022.5 32,300 5,307.2
Iowa 4,250 624.8 14,347 2,661.9 18,597 3,286.7
Kansas 3,423 486.3 9,690 1,596.8 13,113 2,083.1
Kentucky 4,524 572.5 20,099 2,957.5 24,623 3,530.0
Louisiana 143,780 31,132.2 349,860 80,993.2 493,640 112,125.4
Maine 822 156.6 8,307 1,787.7 9,129 1,944.2
Maryland 8,118 1,838.2 62,710 13,431.2 70,828 15,269.4
Massachusetts 6,833 1,421.9 49,314 11,313.9 56,147 12,735.8
Michigan 6,200 907.2 18,849 3,287.8 25,049 4,195.0
Minnesota 3,849 780.1 15,813 3,391.1 19,662 4,171.2
Mississippi 19,735 4,195.0 56,874 12,234.9 76,609 16,429.9
Missouri 5,733 800.1 21,941 3,679.8 27,674 4,479.8
Montana 1,495 258.7 6,512 1,184.9 8,007 1,443.7
Nebraska 3,273 477.1 10,669 1,831.0 13,942 2,308.1
Nevada 2,701 594.7 11,491 2,788.0 14,192 3,382.6
New Hampshire 765 151.0 8,585 1,682.2 9,350 1,833.3
New Jersey 20,989 4,263.3 212,852 49,116.5 233,841 53,379.8
New Mexico 3,014 498.5 14,045 2,550.1 17,059 3,048.6
New York 23,725 5,534.7 143,621 35,294.7 167,346 40,829.5
North Carolina 17,703 4,088.8 119,764 27,862.7 137,467 31,951.5
North Dakota 3,981 893.7 17,246 4,071.9 21,227 4,965.5
Ohio 9,194 1,231.3 32,587 5,465.5 41,781 6,696.8
Oklahoma 4,238 674.6 12,915 2,272.7 17,153 2,947.4
Oregon 7,863 1,706.7 26,829 6,019.4 34,692 7,726.1
Pennsylvania 12,490 1,737.4 57,833 10,965.2 70,323 12,702.6
Rhode Island 904 173.0 15,330 3,734.3 16,234 3,907.3
South Carolina 28,608 7,324.7 174,136 41,580.6 202,744 48,905.3
South Dakota 1,468 290.0 5,873 1,255.8 7,341 1,545.8
Tennessee 7,337 1,452.5 26,564 5,748.4 33,901 7,200.9
Texas 135,015 31,827.4 520,349 129,665.2 655,364 161,492.6
Utah 1,014 199.8 3,784 878.7 4,798 1,078.5
Vermont 504 67.5 3,591 699.0 4,095 766.6
Virginia 21,229 4,859.4 92,751 22,704.3 113,980 27,563.7
Washington 7,636 1,590.5 39,214 9,386.6 46,850 10,977.2
West Virginia 6,028 619.8 15,470 2,044.5 21,498 2,664.3
Wisconsin 2,771 421.2 13,791 2,440.4 16,562 2,861.6
Wyoming 705 136.9 2,457 527.6 3,162 664.4
American Samoa 458 14.4 0 – 458 14.4
Guam 183 34.1 74 18.8 257 52.9
N Mariana Islands 0 – 1 1.0 1 1.0
Puerto Rico 498 27.7 59,110 5,478.5 59,608 5,506.3
Virgin Islands 340 60.3 1,995 296.7 2,335 357.0
United States 874,260 $192,780.1 4,711,537 $1,071,263.6 5,585,797 $1,264,043.6

(1) Direct and WYO business may not add to total due to rounding. States and territories do not add to total United States due to rounding and the inclusion of data from unknown areas.
(2) Total limits of liability for all policies in force.

Source: U.S. Department of Homeland Security, Federal Emergency Management Agency.

Top 10 Deadliest World Aviation Crashes

Rank Date Location Operator Fatalities
1 Mar. 27, 1977 Tenerife, Spain Pan Am, KLM 583
2 Aug. 12, 1985 Mt. Osutaka, Japan JAL 520
3 Mar. 3, 1974 Ermenonville, France Turkish Airlines 346
4 Jun. 23, 1985 Atlantic Ocean Air India 329
5 Nov. 12, 1996 New Delhi, India Saudi Arabian Airlines,
Kazakhstan Airlines		 312
6 Aug. 19, 1980 Riyahd, Saudi Arabia Saudi Arabian Airlines 301
7 Jul. 17, 2014 Shakhtarsk, Ukraine Malaysia Airlines 298
7 Jan. 8, 1996 Kinshasa-Ndolo, Democratic Republic
of Congo		 African Air 298
8 Jul. 3, 1988 Persian Gulf, Iran Iran Air 290
9 Feb. 19, 2003 Kerman, Iran Islamic Revoluntionary
Guard Corps		 275
10 May 25, 1979 Chicago, Illinois, U.S. American Airlines 273

Source: Copyright B3A – Ronan HUBERT – Bureau of Aircraft Accidents Archives.

Property/Casualty Insurance Industry Underwriting Expenses, 2024 (1)

Expense Percent of premiums
Losses and related expenses (2)  
Loss and loss adjustment expense (LAE) ratio 70.9%
    Incurred losses 61.5
    Defense and cost containment expenses incurred 3.8
    Adjusting and other expenses incurred 5.5
Operating expenses (3)  
Expense ratio 25.3%
    Net commissions and brokerage expenses incurred 10.7
    Taxes, licenses and fees 2.3
    Other acquisition and field supervision expenses incurred 5.9
    General expenses incurred 6.4
Dividends to policyholders (2) 0.5%
Combined ratio after dividends (4) 96.6%

(1) After reinsurance transactions. 
(2) As a percent of net premiums earned ($902.4 billion in 2024). 
(3) As a percent of net premiums written ($932.5 billion in 2024).
(4) Sum of loss and LAE, expense and dividends ratios. Calculated from unrounded data.

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

Leading Nonlife Insurance Companies, 2013

  Gross written premiums
Company DZD Mn USD Mn
SAA 25,759.0 324.6
CAAT 18,114.0 228.2
CAAR 15,198.0 191.5
CASH 9,720.0 122.5
CNMA 9,593.0 120.9
CIAR 7,585.0 95.6
Alliance 4,150.0 52.3
2A 4,057.0 51.1
Salama 4,015.0 50.6
GAM 3,303.0 41.6

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2014

  Gross written premiums
Company LBP Mn USD Mn
ALICO – MetLife 119,629.0 79.4
Bancassurance 91,288.0 60.6
Allianz SNA 87,648.0 58.1
Arope 61,921.0 41.1
LIA (Lib-Arabe) 59,012.0 39.2
Adonis (ADIR) 54,274.0 36.0
Sogecap 21,291.0 14.1
Credit Libanais 19,872.0 13.2
AXA ME 17,072.0 11.3
Bankers 17,034.0 11.3

Source: Axco Insurance Information Services.

Top 10 States For Homeowners Insurance Lightning Losses By Number Of Claims, 2024

Rank State Value of
claims		 Number of
claims		 Average cost
per claim
1 Florida $113,218,813 4,780 $23,686
2 Texas 168,461,044 4,369 38,558
3 California 75,028,400 4,005 18,734
4 Georgia 48,546,426 3,376 14,380
5 North Carolina 30,299,433 2,574 11,771
6 Louisiana 34,306,009 2,283 15,027
7 Alabama 36,617,416 2,175 16,836
8 New York 34,109,020 1,937 17,609
9 Pennsylvania 15,777,521 1,792 8,804
10 Illinois 24,068,318 1,626 14,802
  Top 10 States $580,432,401 28,917 $20,072

Source: Insurance Information Institute, State Farm®.

Leading Life Insurance Companies, 2013

  Gross written premiums
Company QAR Mn USD Mn
Qatar Islamic 49.9 13.7
Al Khaleej Takaful 15.2 4.2

Source: Axco Insurance Information Services.

Top 10 Costliest U.S. Catastrophes Involving Tornadoes (1)

($ millions)
        Estimated insured loss
Rank Date Event Location Dollars when
occurred		 In 2025 dollars (2)
1 Aug. 8-12, 2020 Midwest Derecho IA, IL, IN, KS, MI, MN, MO, NE, OH, SD, WI, PA, DC, MD, VA, WV $9,200 $11,481
2 Apr. 22-28, 2011 Tornado Outbreak AL, AR, GA, IL, KY, LA, MO, MS, OH, OK, TN,
TX, VA		 7,560 10,918
3 May 21-27, 2011 Joplin, MO Tornado AR, GA, IA, IL, IN, KS, KY, MI, MN, MO, NC, NE, NY, OH, OK, PA, TN, TX, VA, WI 7,000 10,062
4 Mar. 14-16, 2025 SCS Outbreak AL, AR, GA, IL, IN, KS, KY, LA, MD, MI, MS, MO, NY, NC, OH, OK, PA, TN, TX, VA, WI 8,000 8,000
5 May 14-16, 2025 Tornado & SCS Outbreak IL, IN, KY, MD, MI, MO, OH, TX, VA, WI, NC, PA 6,000 6,000
6 May 2-11, 2003 SCS Outbreak AL, AR, CO, GA, IA, IL, IN, KS, KY, MO, MS, NC, NE, OH, OK, SC, SD, TN 3,300 5,841
7 May 6-10, 2024 SCS Outbreak OK, TX, MO, MI, TN, SC, NC, LA, AL, MS, GA, FL, AR, CO, IL, IN, KS, KY, OH, WI 5,200 5,378
8 Mar. 1-3, 2023 SCS Outbreak AL, AR, GA, IN, KY, MS, OH, PA, TN, VA 4,900 5,273
9 Mar. 12-16, 2024 SCS Outbreak IL, IN, KS, KY, MS, OH, OK, TX, MO, AR 4,800 4,992
10 Jun. 21-26, 2023 SCS Outbreak AR, CO, GA, IN, IA, KY, MD, MI, NE, NJ, NY, NC, PA, TN, TX, VA, WY 4,650 4,950

(1) Defined by Aon as severe convective storms (SCS) including insured thunderstorm events and may include tornado, hail, damaging straight-line winds (derechos) and flash flood impacts from events. Subject to change as loss estimates are further developed. As of January 2026.
(2) Adjusted for inflation by Aon using the U.S. Consumer Price Index.

Source: Aon.

Top 10 Writers Of Private Passenger Auto Insurance In Oklahoma By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $663,648 22.5%
2 Progressive 294,309 12.6
3 Farmers Insurance 304,302 10.9
4 Berkshire Hathaway Inc. 213,328 8.2
5 Allstate Corp. 201,116 7.8
6 USAA 183,708 6.7
7 Liberty Mutual 173,023 5.4
8 Oklahoma Farm Bureau Insurance 106,328 3.7
9 Shelter Insurance 97,014 3.5
10 CSAA Insurance Exchange 91,817 2.8

(1) Before reinsurance transactions.

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

Top 10 Writers Of Homeowners Insurance In Oklahoma By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $492,909 28.0%
2 Farmers Insurance Group 294,464 16.7
3 Liberty Mutual 152,156 8.6
4 Allstate Corp. 145,221 8.2
5 USAA Insurance Group 141,145 8.0
6 CSAA Insurance Exchange 76,885 4.4
7 Progressive 46,757 2.7
8 Oklahoma Farm Bureau Mutual Insurance Co. 40,712 2.3
9 Shelter Insurance 40,556 2.3
10 American Farmers & Ranchers 34,218 1.9

(1) Before reinsurance transactions.

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

Top 10 Writers Of Commercial Insurance In Oklahoma By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Travelers Companies Inc. $260,110 6.9%
2 CompSource Mutual Insurance Co. 194,174 5.1
3 CNA 189,837 5.0
4 Chubb 181,032 4.8
5 Zurich 175,012 4.6
6 Liberty Mutual 166,699 4.4
7 American International Group (AIG) 137,616 3.6
8 Berkshire Hathaway Inc. 129,319 3.4
9 Hartford Financial Services 101,020 2.7
10 Tokio Marine Group 90,635 2.4

(1) Before reinsurance transactions.

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

Global Catastrophes, 2017

Event Number of incidents Deaths Insured loss ($ millions)
Storms 82 1,642 $111,475
Drought, bush fires, heat waves 14 435 14,237
Hail 8 0 7,549
Floods 55 3,515 2,144
Earthquakes 12 1,184 1,615
Cold, frost 5 153 1,038
Other natural catastrophes 7 1,541 0
Total natural catastrophes 183 8,470 $138,057
Man-made disasters 118 2,934 $6,246
All catastrophes (1) 301 11,404 $144,303

(1) Based on events classified by Swiss Re as a catastrophe. The threshold is $20.3 million in insured losses for maritime disasters, $40.7 million for aviation disasters and $50.5 million for other losses or $101.0 million in total economic losses; or at least 20 dead or missing, 50 injured or 2,000 made homeless.

Source: Swiss Re, sigma, 1/2018.

Leading Nonlife Insurance Companies, 2013

  Gross written premiums
Company BSD Mn USD Mn
Bahamas First General 107.0 107.0
RoyalStar Assurance  67.2 67.2
Insurance Company of The Bahamas  44.5 44.5
Summit  34.8 34.8
Security and General  23.7 23.7
ICWI Bahamas  2.7 2.7
NAGICO  2.2 2.2

Source: Axco Insurance Information Services.

Gross Domestic Product By Country, 2015

  Gross domestic product (1)
Country (U.S. $ billions) Rank
Algeria $578.7 34
Angola 184.4 65
Argentina 972.0 26
Australia 1,489.0 19
Austria 404.3 47
Azerbaijan 169.4 68
Bahrain 64.8 100
Bangladesh 577.0 35
Belarus 167.7 70
Belgium 494.1 39
Bolivia 74.4 95
Brazil 3,192.0 8
Bulgaria 133.9 77
Burma 283.5 56
Cameroon 72.6 96
Canada 1,632.0 16
Chile 422.4 44
China 19,390.0 1
Colombia 667.4 32
Costa Rica 74.9 94
Cote d'Ivoire 78.6 92
Croatia 91.1 85
Cuba 128.5 (2) 79
Czech Republic 332.5 51
Denmark 258.7 59
Dominican Republic 149.7 74
Ecuador 183.4 66
Egypt 1,048.0 24
Ethiopia 161.6 72
European Union 19,180.0 2
Finland 225.0 62
France 2,647.0 11
Germany 3,841.0 6
Ghana 114.7 82
Greece 286.0 55
Guatemala 125.9 81
Hong Kong 414.6 45
Hungary 258.4 60
India 7,965.0 4
Indonesia 2,842.0 9
Iran 1,371.0 20
Iraq 544.1 37
Ireland 257.4 61
Israel 281.9 57
Italy 2,171.0 13
Japan 4,830.0 5
Jordan 82.7 89
Kazakhstan 429.1 43
Kenya 141.9 75
Korea, South 1,849.0 14
Kuwait 288.4 54
Lebanon 83.1 88
Libya 92.6 84
Lithuania 82.4 90
Macau 65.4 99
Malaysia 815.6 29
Mexico 2,227.0 12
Morocco 273.5 58
Nepal 70.1 98
Netherlands 832.6 28
New Zealand 168.2 69
Nigeria 1,092.0 23
Norway 356.2 49
Oman 171.4 67
Pakistan 931.0 27
Panama 87.2 87
Peru 389.1 48
Philippines 741.0 30
Poland 1,005.0 25
Portugal 289.8 53
Puerto Rico 131.9 78
Qatar 319.8 52
Romania 413.8 46
Russia 3,718.0 7
Saudi Arabia 1,683.0 15
Serbia 97.5 83
Singapore 471.9 42
Slovakia 161.0 73
South Africa 723.5 31
Spain 1,615.0 17
Sri Lanka 223.0 63
Sudan 167.0 71
Sweden 473.4 41
Switzerland 482.3 40
Taiwan 1,099.0 22
Tanzania 138.5 76
Thailand 1,108.0 21
Tunisia 127.0 80
Turkey 1,589.0 18
Turkmenistan 88.6 86
Uganda 79.9 91
Ukraine 339.5 50
United Arab Emirates 647.8 33
United Kingdom 2,679.0 10
United States 17,950.0 3
Uruguay 71.4 97
Uzbekistan 187.9 64
Venezuela 515.7 38
Vietnam 552.3 36
Yemen 75.5 93

(1) Estimate. Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. Includes 100 largest countries based on 2015 GDP.
(2) 2014 Estimate.

Source: U.S. Central Intelligence Agency.

Population By Country, 2015

Country Population (1) Rank
Afghanistan 32,564,342 41
Algeria 39,542,166 34
Angola 19,625,353 59
Argentina 43,431,886 33
Australia 22,751,014 56
Austria 8,665,550 95
Azerbaijan 9,780,780 92
Bangladesh 168,957,745 9
Belarus 9,589,689 93
Belgium 11,323,973 78
Benin 10,448,647 88
Bolivia 10,800,882 82
Brazil 204,259,812 6
Burkina Faso 18,931,686 60
Burma 56,320,206 25
Burundi 10,742,276 84
Cambodia 15,708,756 69
Cameroon 23,739,218 53
Canada 35,099,836 39
Chad 11,631,456 77
Chile 17,508,260 64
China 1,367,485,388 1
Colombia 46,736,728 30
Congo, Democratic Republic of the 79,375,136 20
Cote d'Ivoire 23,295,302 55
Cuba 11,031,433 80
Czech Republic 10,644,842 85
Dominican Republic 10,478,756 87
Ecuador 15,868,396 68
Egypt 88,487,396 16
Ethiopia 99,465,819 14
European Union 513,949,445 3
France 66,553,766 22
Germany 80,854,408 18
Ghana 26,327,649 49
Greece 10,775,643 83
Guatemala 14,918,999 71
Guinea 11,780,162 76
Haiti 10,110,019 89
Honduras 8,746,673 94
Hungary 9,897,541 90
India 1,251,695,584 2
Indonesia 255,993,674 5
Iran 81,824,270 17
Iraq 37,056,169 37
Israel 8,049,314 99
Italy 61,855,120 24
Japan 126,919,659 11
Jordan 8,117,564 98
Kazakhstan 18,157,122 61
Kenya 45,925,301 31
Korea, North 24,983,205 51
Korea, South 49,115,196 28
Madagascar 23,812,681 52
Malawi 17,964,697 63
Malaysia 30,513,848 43
Mali 16,955,536 66
Mexico 121,736,809 12
Morocco 33,322,699 40
Mozambique 25,303,113 50
Nepal 31,551,305 42
Netherlands 16,947,904 67
Niger 18,045,729 62
Nigeria 181,562,056 8
Pakistan 199,085,847 7
Peru 30,444,999 44
Philippines 100,998,376 13
Poland 38,562,189 35
Portugal 10,825,309 81
Romania 21,666,350 58
Russia 142,423,773 10
Rwanda 12,661,733 74
Saudi Arabia 27,752,316 47
Senegal 13,975,834 73
Somalia 10,616,380 86
South Africa 53,675,563 26
South Sudan 12,042,910 75
Spain 48,146,134 29
Sri Lanka 22,053,488 57
Sudan 36,108,853 38
Sweden 9,801,616 91
Switzerland 8,121,830 97
Syria 17,064,854 65
Taiwan 23,415,126 54
Tajikistan 8,191,958 96
Tanzania 51,045,882 27
Thailand 67,976,405 21
Togo 7,552,318 100
Tunisia 11,037,225 79
Turkey 79,414,269 19
Uganda 37,101,745 36
Ukraine 44,429,471 32
United Kingdom 64,088,222 23
United States 321,368,864 4
Uzbekistan 29,199,942 46
Venezuela 29,275,460 45
Vietnam 94,348,835 15
Yemen 26,737,317 48
Zambia 15,066,266 70
Zimbabwe 14,229,541 72

(1) Estimate for July 2015. Includes the 100 largest countries.

Source: U.S. Central Intelligence Agency.

Top 10 Writers Of Life Insurance/Annuities In Tennessee By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Principal Financial Group Inc.   $618,339 6.1%
2 MassMutual   588,720 5.8
3 Prudential Financial Inc.   557,182 5.5
4 Lincoln Financial   469,106 4.6
5 Jackson   418,018 4.1
6 John Hancock   414,897 4.1
7 Transamerica   400,388 3.9
8 New York Life   358,819 3.5
9 Pacific Life   358,541 3.5
10 AIG   350,616 3.4

(1) Includes life insurance, accident and health insurance, annuity considerations, deposit-type contract funds and other considerations. Before reinsurance transactions.

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

Top 10 Writers Of Homeowners Insurance In Tennessee By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $516,453 23.5%
2 Tennessee Farmers Mutual Insurance Co. 421,883 19.2
3 Allstate Corp. 169,584 7.7
4 Liberty Mutual 155,721 7.1
5 USAA Insurance Group 148,863 6.8
6 Erie Insurance Group 93,571 4.3
7 Farmers Insurance Group 82,741 3.8
8 Travelers Companies Inc. 81,703 3.7
9 Nationwide Mutual Group 79,268 3.6
10 Auto-Owners Insurance Co. 47,694 2.2

(1) Before reinsurance transactions.

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

Top 10 Writers Of Commercial Insurance In Tennessee By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Travelers Companies Inc. $351,356 6.3%
2 Chubb 275,549 4.9
3 Liberty Mutual 271,942 4.9
4 CNA 185,231 3.3
5 American International Group (AIG) 169,274 3.0
6 Zurich 163,087 2.9
7 The Cincinnati Insurance Cos. 154,024 2.8
8 Berkshire Hathaway Inc. 148,265 2.7
9 Hartford Financial Services 143,251 2.6
10 Nationwide Mutual Group 136,559 2.5

(1) Before reinsurance transactions.

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

Top 10 Writers Of Private Passenger Auto Insurance In Tennessee By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $907,996 20.3%
2 Tennessee Farmers Insurance Companies 729,344 16.3
3 Berkshire Hathaway Inc. 448,224 10.0
4 Progressive 442,817 9.9
5 Allstate Corp. 282,223 6.3
6 USAA 250,491 5.6
7 Liberty Mutual 211,389 4.7
8 Erie Insurance 135,132 3.0
9 Nationwide 125,989 2.8
10 National General Holdings Corp. 96,052 2.2

(1) Before reinsurance transactions.

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

Top 10 Writers Of Life Insurance/Annuities In West Virginia By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 MassMutual   $136,416 6.4%
2 TIAA   117,487 5.5
3 Prudential Financial Inc.   110,352 5.2
4 AIG   97,789 4.6
5 Global Atlantic   95,986 4.5
6 Jackson   86,426 4.0
7 Lincoln Financial   76,998 3.6
8 Northwestern Mutual   76,398 3.6
9 Pacific Life   75,397 3.5
10 New York Life   71,938 3.4

(1) Includes life insurance, annuity considerations, deposit-type contract funds and other considerations; excludes accident and health insurance from life/health insurers. Before reinsurance transactions.

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

Top 10 Writers Of Homeowners Insurance In West Virginia By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $117,365 25.4%
2 Erie Insurance Group 87,507 18.9
3 Nationwide Mutual Group 45,085 9.7
4 Allstate Corp. 35,539 7.7
5 Liberty Mutual 26,215 5.7
6 USAA Insurance Group 24,408 5.3
7 Westfield Group 17,933 3.9
8 Farmers and Mechanics 14,554 3.1
9 State Auto 10,036 2.2
10 Municipal Mutual Insurance Co. of West Virginia 9,892 2.1

(1) Before reinsurance transactions.

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

Top 10 Writers Of Commercial Insurance In West Virginia By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Encova Insurance $141,336 10.3%
2 American International Group (AIG) 128,330 9.4
3 Travelers Companies Inc. 127,919 9.3
4 Erie Insurance Group 87,973 6.4
5 Liberty Mutual 56,993 4.2
6 Nationwide Mutual Group 52,341 3.8
7 Zurich 47,563 3.5
8 Westfield Group 46,241 3.4
9 CNA 42,161 3.1
10 Chubb 38,267 2.8

(1) Before reinsurance transactions.

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

Top 10 Writers Of Private Passenger Auto Insurance In West Virginia By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm   $317,809 24.7
2 Erie Insurance   198,301 15.4
3 Berkshire Hathaway Inc.   145,744 11.3
4 Nationwide   133,236 10.4
5 Allstate Corp.   104,722 8.1
6 Progressive   102,556 8.0
7 Liberty Mutual   59,783 4.7
8 USAA   53,219 4.1
9 Westfield Insurance   31,501 2.5
10 The Hartford   31,495 2.5

(1) Before reinsurance transactions.

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

Top 10 Writers Of Life Insurance/Annuities In Virginia By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 MassMutual   $838,955 6.4%
2 Lincoln Financial   727,445 5.6
3 Principal Financial Group Inc.   725,791 5.6
4 New York Life   665,652 5.1
5 Prudential Financial Inc.   645,409 5.0
6 John Hancock   642,044 4.9
7 AIG   550,273 4.2
8 Jackson   530,183 4.1
9 Securian   415,667 3.2
10 Nationwide   379,811 2.9

(1) Includes life insurance, accident and health insurance, annuity considerations, deposit-type contract funds and other considerations. Before reinsurance transactions.

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

Top 10 Writers Of Private Passenger Auto Insurance In Virginia By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Berkshire Hathaway Inc.   $1,157,344 19.6%
2 State Farm   877,197 14.9
3 USAA   789,291 13.4
4 Progressive   652,353 11.1
5 Allstate Corp.   570,183 9.7
6 Nationwide   389,015 6.6
7 Erie Insurance   241,585 4.1
8 Liberty Mutual   141,817 2.4
9 Travelers   135,824 2.3
10 Virginia Farm Bureau Federation   129,518 2.2

(1) Before reinsurance transactions.

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

Top 10 Writers Of Life Insurance/Annuities In New Jersey By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Prudential Financial Inc.   $3,356,943 13.3%
2 MassMutual   2,096,648 8.3
3 Lincoln Financial   1,278,791 5.1
4 Equitable Holdings   1,271,233 5.0
5 TIAA   1,112,751 4.4
6 MetLife   1,074,022 4.3
7 Transamerica   1,032,676 4.1
8 Jackson   1,028,650 4.1
9 Athene   993,581 3.9
10 AIG   979,179 3.9

(1) Includes life insurance, accident and health insurance, annuity considerations, deposit-type contract funds and other considerations. Before reinsurance transactions.

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

Top 10 Writers Of Private Passenger Auto Insurance In New Jersey By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Berkshire Hathaway Inc. $1,740,325 22.8%
2 NJM Insurance 1,046,719 13.2
3 Progressive 926,295 12.4
4 Allstate Corp. 836,903 10.5
5 Plymouth Rock of New Jersey 632,830 7.9
6 State Farm 612,198 7.4
7 Liberty Mutual 557,463 6.7
8 USAA 311,141 4.0
9 Travelers 289,711 3.6
10 Farmers Insurance 222,440 2.4

(1) Before reinsurance transactions.

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

Top 10 Writers Of Life Insurance/Annuities In Massachusetts By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 MassMutual   $1,995,475 11.3%
2 MetLife   1,298,003 7.4
3 Voya Financial Inc.   1,116,190 6.3
4 Lincoln Financial   1,066,493 6.1
5 New York Life   1,037,306 5.9
6 Prudential Financial Inc.   962,339 5.5
7 John Hancock   920,246 5.2
8 Jackson   692,605 3.9
9 TIAA   672,341 3.8
10 Nationwide   546,695 3.1

(1) Includes life insurance, accident and health insurance, annuity considerations, deposit-type contract funds and other considerations. Before reinsurance transactions.

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

Top 10 Writers Of Private Passenger Auto Insurance In Massachusetts By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 MAPFRE $1,225,323 22.0%
2 Berkshire Hathaway Inc. 781,910 14.0
3 Liberty Mutual 575,478 10.3
4 Safety Insurance 450,304 8.1
5 Arbella Insurance 418,055 7.5
6 Plymouth Rock Co. 375,540 6.7
7 Progressive 316,332 5.7
8 MetLife 190,686 3.4
9 Travelers 183,166 3.3
10 USAA 177,003 3.2

(1) Before reinsurance transactions.

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

Top 10 Writers Of Life Insurance/Annuities In Maryland By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Prudential Financial Inc.   $687,458 6.3%
2 Lincoln Financial   669,272 6.2
3 MassMutual   612,400 5.6
4 MetLife   545,552 5.0
5 John Hancock   496,519 4.6
6 Principal Financial Group Inc.   479,468 4.4
7 Jackson   456,898 4.2
8 AIG   447,958 4.1
9 Nationwide   446,159 4.1
10 New York Life   429,089 3.9

(1) Includes life insurance, accident and health insurance, annuity considerations, deposit-type contract funds and other considerations. Before reinsurance transactions.

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

Top 10 Writers Of Private Passenger Auto Insurance In Maryland By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Berkshire Hathaway Inc. $1,353,200 25.3%
2 State Farm 935,804 17.5
3 Allstate Corp 640,715 12.0
4 USAA 482,362 9.0
5 Erie Insurance 440,590 8.2
6 Progressive 412,782 7.7
7 Nationwide 313,239 5.9
8 Liberty Mutual 174,008 3.3
9 Travelers 102,687 1.9
10 Agency Insurance Co. of Maryland Inc 55,387 1.0

(1) Before reinsurance transactions.

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

Top 10 Writers Of Life Insurance/Annuities In Arkansas By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Prudential Financial Inc.   $286,615 8.5%
2 Athene   175,037 5.2
3 AIG   152,803 4.5
4 Nationwide   143,955 4.3
5 Lincoln Financial   126,861 3.8
6 John Hancock   120,155 3.6
7 New York Life   113,900 3.4
8 Jackson   112,388 3.3
9 Global Atlantic   101,318 3.0
10 Principal Financial Group Inc.   95,190 2.8

(1) Includes life insurance, accident and health insurance, annuity considerations, deposit-type contract funds and other considerations. Before reinsurance transactions.

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

Top 10 Writers Of Commercial Insurance In Arkansas By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Travelers Companies Inc. $149,746 6.0%
2 Chubb 148,457 5.9
3 CNA 108,229 4.3
4 Liberty Mutual 92,889 3.7
5 Farm Bureau Mutual Insurance Co. of Arkansas 90,397 3.6
6 American International Group (AIG) 82,433 3.3
7 Zurich 78,903 3.1
8 Berkshire Hathaway Inc. 74,859 3.0
9 Nationwide Mutual Group 74,277 3.0
10 Great American Insurance 65,773 2.6

(1) Before reinsurance transactions.

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

Top 10 Writers Of Homeowners Insurance In Arkansas By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $256,670 26.3%
2 Farm Bureau Mutual Insurance Co. of Arkansas 136,889 14.0
3 Shelter Insurance 81,358 8.3
4 Allstate Corp. 79,708 8.2
5 Farmers Insurance Group 64,084 6.6
6 USAA Insurance Group 56,960 5.8
7 Liberty Mutual 41,433 4.2
8 Auto-Owners Insurance Co. 27,457 2.8
9 Nationwide Mutual Group 25,466 2.6
10 State Auto 21,242 2.2

(1) Before reinsurance transactions.

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

Top 10 Writers Of Private Passenger Auto Insurance In Arkansas By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $493,963 23.4%
2 Southern Farm Bureau Casualty 278,243 13.2
3 Progressive 194,062 9.2
4 Shelter Insurance 186,993 8.9
5 Allstate Corp. 151,471 7.2
6 Berkshire Hathaway Inc. 135,995 6.5
7 USAA Insurance Group 101,929 4.8
8 Farmers Insurance Group 81,574 3.9
9 Liberty Mutual 73,404 3.5
10 Alfa Mutual Group 48,428 2.3

(1) Before reinsurance transactions.

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

Top 10 Writers Of Life Insurance/Annuities In Washington By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Prudential Financial Inc.   $1,223,256 11.8%
2 New York Life   619,782 6.0
3 Athene   465,970 4.5
4 Lincoln Financial   424,246 4.1
5 MetLife   390,070 3.8
6 John Hancock   368,249 3.6
7 MassMutual   362,908 3.5
8 AIG   354,421 3.4
9 Nationwide   316,763 3.1
10 Jackson   303,871 2.9

(1) Includes life insurance, accident and health insurance, annuity considerations, deposit-type contract funds and other considerations. Before reinsurance transactions.

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

Top 10 Writers Of Private Passenger Auto Insurance In Washington By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm   $890,934 15.5%
2 Berkshire Hathaway Inc.   666,193 11.6
3 Progressive   661,680 11.5
4 Liberty Mutual   601,551 10.5
5 Allstate Corp.   541,266 9.4
6 USAA   487,469 8.5
7 Farmers Insurance   384,822 6.7
8 PEMCO Mutual Insurance Co. 299,957 5.2
9 American Family Insurance   263,480 4.6
10 The Hartford   127,055 2.2

(1) Before reinsurance transactions.

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

Top 10 Writers Of Commercial Insurance In Washington By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Liberty Mutual $633,460 10.7%
2 Chubb 299,927 5.1
3 American International Group (AIG) 298,843 5.0
4 Travelers Companies Inc. 286,715 4.8
5 CNA 214,130 3.6
6 Zurich 207,163 3.5
7 Tokio Marine Group 186,210 3.1
8 Farmers Insurance Group 171,952 2.9
9 Nationwide Mutual Group 149,686 2.5
10 Hartford Financial Services 143,643 2.4

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

Top 10 Writers Of Homeowners Insurance In Washington By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $328,916 16.8%
2 Liberty Mutual 268,503 13.7
3 Farmers Insurance Group 227,062 11.6
4 Allstate Corp. 189,983 9.7
5 USAA Insurance Group 175,264 8.9
6 American Family Insurance Group 140,996 7.2
7 PEMCO Mutual Insurance Co. 120,610 6.1
8 Travelers Companies Inc. 63,813 3.3
9 Mutual of Enumclaw 57,718 2.9
10 Hartford Financial Services 49,300 2.5

(1) Before reinsurance transactions.

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

Top 10 Writers Of Life Insurance/Annuities In Oregon By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Prudential Financial Inc.   $797,009 13.7%
2 Standard   403,953 6.9
3 Athene   270,778 4.7
4 John Hancock   257,365 4.4
5 Voya Financial Inc.   257,222 4.4
6 Lincoln Financial   250,575 4.3
7 New York Life   232,048 4.0
8 AIG   220,233 3.8
9 Principal Financial Group Inc.   184,455 3.2
10 MassMutual   166,790 2.9

(1) Includes life insurance, accident and health insurance, annuity considerations, deposit-type contract funds and other considerations. Before reinsurance transactions.

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

Top 10 Writers Of Homeowners Insurance In Oregon By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $198,280 21.6%
2 Farmers Insurance Group 141,884 15.4
3 Liberty Mutual 116,285 12.6
4 USAA Insurance Group 73,112 8.0
5 Allstate Corp. 66,130 7.2
6 American Family Insurance Group 57,408 6.2
7 COUNTRY Financial 48,282 5.3
8 Travelers Companies Inc. 29,820 3.2
9 Nationwide Mutual Group 16,238 1.8
10 Mutual of Enumclaw 16,051 1.7

(1) Before reinsurance transactions.

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

Top 10 Writers Of Commercial Insurance In Oregon By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 SAIF Corp. $487,643 13.8%
2 Liberty Mutual 384,750 10.9
3 Chubb 172,380 4.9
4 Travelers Companies Inc. 157,868 4.5
5 Farmers Insurance Group 128,234 3.6
6 CNA 128,028 3.6
7 American International Group (AIG) 90,023 2.5
8 State Farm 88,044 2.5
9 Zurich 87,006 2.5
10 Hartford Financial Services 78,321 2.2

(1) Before reinsurance transactions.

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

Top 10 Writers Of Private Passenger Auto Insurance In Oregon By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $589,958 18.8%
2 Progressive 505,849 16.2
3 Berkshire Hathaway Inc. 325,216 10.4
4 Farmers Insurance 263,667 8.4
5 Liberty Mutual 259,311 8.3
6 Allstate Corp. 254,653 8.1
7 USAA 201,371 6.4
8 COUNTRY Financial 117,420 3.8
9 American Family Insurance 106,286 3.4
10 Travelers 55,587 1.8

(1) Before reinsurance transactions.

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

Top 10 Writers Of Life Insurance/Annuities In Kentucky By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Lincoln Financial   $380,083 6.8%
2 MetLife   301,935 5.4
3 MassMutual   289,501 5.2
4 Transamerica   281,051 5.0
5 Principal Financial Group Inc.   268,276 4.8
6 Prudential Financial Inc.   224,116 4.0
7 New York Life   186,252 3.3
8 Jackson   174,671 3.1
9 AIG   174,080 3.1
10 Voya Financial Inc.   173,278 3.1

(1) Includes life insurance, accident and health insurance, annuity considerations, deposit-type contract funds and other considerations. Before reinsurance transactions.

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

Top 10 Writers Of Homeowners Insurance In Kentucky By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $293,463 23.4%
2 Kentucky Farm Bureau 269,357 21.5
3 Liberty Mutual 120,840 9.6
4 Allstate Corp. 82,434 6.6
5 USAA Insurance Group 66,871 5.3
6 Travelers Companies Inc. 43,029 3.4
7 Auto-Owners Insurance Co. 36,176 2.9
8 Erie Insurance Group 27,774 2.2
9 Nationwide Mutual Group 26,827 2.1
10 State Auto 26,619 2.1

(1) Before reinsurance transactions.

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

Top 10 Writers Of Commercial Insurance In Kentucky By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Liberty Mutual $206,037 6.2%
2 Travelers Companies Inc. 182,394 5.5
3 Kentucky Employers’ Mutual Insurance 158,457 4.7
4 Zurich 136,714 4.1
5 CNA 131,547 3.9
6 Chubb 128,429 3.8
7 The Cincinnati Insurance Cos. 121,899 3.6
8 Kentucky Farm Bureau 105,749 3.2
9 American International Group (AIG) 78,956 2.4
10 Auto-Owners Insurance Co. 78,823 2.4

(1) Before reinsurance transactions.

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

Top 10 Writers Of Private Passenger Auto Insurance In Kentucky By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $700,521 21.6%
2 Kentucky Farm Bureau 590,705 18.2
3 Progressive 349,357 10.8
4 Liberty Mutual 231,345 7.1
5 Berkshire Hathaway Inc. 211,263 6.5
6 Allstate Corp. 199,431 6.2
7 USAA Insurance Group 165,995 5.1
8 Erie Insurance Group 70,757 2.2
9 Auto-Owners Insurance Co. 66,958 2.1
10 Travelers Companies Inc. 63,237 2.0

(1) Before reinsurance transactions.

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

Top 10 Writers Of Life Insurance/Annuities In Idaho By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Prudential Financial Inc.   $194,431 9.1%
2 OneAmerica   103,966 4.9
3 New York Life   100,508 4.7
4 Lincoln Financial   95,560 4.5
5 Northwestern Mutual   93,905 4.4
6 Nationwide   88,948 4.2
7 Allianz   86,604 4.1
8 John Hancock   85,768 4.0
9 AIG   79,833 3.7
10 Principal Financial Group Inc.   75,608 3.5

(1) Includes life insurance, accident and health insurance, annuity considerations, deposit-type contract funds and other considerations. Before reinsurance transactions.

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

Top 10 Writers Of Homeowners Insurance In Idaho By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $63,003 14.8%
2 Liberty Mutual 61,681 14.5
3 Farmers Insurance Group 44,598 10.5
4 Farm Bureau Mutual Insurance Co. of Idaho 41,141 9.7
5 USAA Insurance Group 34,537 8.1
6 Allstate Corp. 34,219 8.1
7 American Family Insurance Group 17,699 4.2
8 Travelers Companies Inc. 17,680 4.2
9 United Heritage Insurance 13,912 3.3
10 Auto-Owners Insurance Co. 11,689 2.8

(1) Before reinsurance transactions.

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

Top 10 Writers Of Commercial Insurance In Idaho By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Idaho State Insurance Fund $242,819 15.1%
2 Liberty Mutual 115,829 7.2
3 Travelers Companies Inc. 71,049 4.4
4 Chubb 67,812 4.2
5 Zurich 54,583 3.4
6 Farm Bureau Mutual Insurance Co. of Idaho 53,045 3.3
7 The Cincinnati Insurance Cos. 47,066 2.9
8 Auto-Owners Insurance Co. 41,543 2.6
9 American International Group (AIG) 40,394 2.5
10 Old Republic Insurance 36,283 2.3

(1) Before reinsurance transactions.

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

Top 10 Writers Of Private Passenger Auto Insurance In Idaho By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $152,108 13.7%
2 Berkshire Hathaway Inc. 123,283 11.1
3 Progressive 118,504 10.7
4 Liberty Mutual 116,814 10.5
5 Farm Bureau Mutual Insurance Co. of Idaho 116,425 10.5
6 Allstate Corp. 95,025 8.6
7 Farmers Insurance Group 84,741 7.6
8 USAA Insurance Group 68,295 6.2
9 American Family Insurance Group 34,790 3.1
10 Travelers Companies Inc. 22,135 2.0

(1) Before reinsurance transactions.

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

Top 10 Writers Of Life Insurance/Annuities In Arizona By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 AIG   $902,364 8.3%
2 Prudential Financial Inc.   888,726 8.2
3 Nationwide   772,572 7.1
4 MetLife   628,269 5.8
5 Lincoln Financial   506,301 4.7
6 New York Life   437,986 4.0
7 John Hancock   361,731 3.3
8 Jackson   329,046 3.0
9 MassMutual   310,779 2.9
10 Allianz   290,661 2.7

(1) Includes life insurance, accident and health insurance, annuity considerations, deposit-type contract funds and other considerations. Before reinsurance transactions.

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

Top 10 Writers Of Homeowners Insurance In Arizona By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $312,537 17.4%
2 Farmers Insurance Group 218,043 12.1
3 USAA Insurance Group 166,150 9.3
4 Liberty Mutual 156,950 8.7
5 American Family Insurance Group 155,713 8.7
6 Allstate Corp. 152,916 8.5
7 Travelers Companies Inc. 93,867 5.2
8 Hartford Financial Services 42,023 2.3
9 CSAA Insurance Exchange 38,157 2.1
10 Chubb 32,699 1.8

(1) Before reinsurance transactions.

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

Top 10 Writers Of Commercial Insurance In Arizona By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Travelers Companies Inc. $300,829 6.1%
2 Liberty Mutual 272,515 5.5
3 Chubb 219,683 4.5
4 CopperPoint Insurance Companies 182,445 3.7
5 CNA 160,277 3.3
6 Zurich 159,779 3.2
7 American International Group (AIG) 147,051 3.0
8 Hartford Financial Services 143,621 2.9
9 Berkshire Hathaway Inc. 133,991 2.7
10 Tokio Marine Group 128,395 2.6

(1) Before reinsurance transactions.

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

Top 10 Writers Of Private Passenger Auto Insurance In Arizona By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Berkshire Hathaway Inc. $899,419 16.2%
2 State Farm 824,161 14.8
3 Progressive 734,458 13.2
4 USAA Insurance Group 453,056 8.2
5 Allstate Corp. 423,424 7.6
6 Farmers Insurance Group 416,458 7.5
7 American Family Insurance Group 316,531 5.7
8 Liberty Mutual 290,252 5.2
9 Hartford Financial Services 109,956 2.0
10 CSAA Insurance Exchange 105,084 1.9

(1) Before reinsurance transactions.

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

Top 10 Writers Of Life Insurance/Annuities In Wisconsin By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 New York Life   $1,132,445 10.0%
2 Principal Financial Group Inc.   1,003,528 8.9
3 Prudential Financial Inc.   789,895 7.0
4 Northwestern Mutual   761,349 6.7
5 Lincoln Financial   516,042 4.6
6 Jackson   440,230 3.9
7 John Hancock   412,000 3.6
8 Pacific Life   338,294 3.0
9 Securian   321,587 2.8
10 Transamerica   297,678 2.6

(1) Includes life insurance, accident and health insurance, annuity considerations, deposit-type contract funds and other considerations. Before reinsurance transactions.

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

Top 10 Writers Of Homeowners Insurance In Wisconsin By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 American Family Insurance Group $334,358 21.6%
2 State Farm 251,897 16.3
3 Erie Insurance Group 73,029 4.7
4 ACUITY 70,087 4.5
5 Allstate Corp. 65,859 4.3
6 Auto-Owners Insurance Co. 65,734 4.3
7 West Bend Mutual Insurance Co. 65,597 4.2
8 Liberty Mutual 59,758 3.9
9 Farmers Insurance Group 48,686 3.2
10 USAA Insurance Group 47,349 3.1

(1) Before reinsurance transactions.

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

Top 10 Writers Of Commercial Insurance In Wisconsin By Direct Premiums Written, 2019

Rank Group/company Direct premiums written ($000) Market share
1 Travelers Companies Inc. $399,471 6.7%
2 West Bend Mutual Insurance Co. 353,892 5.9
3 Chubb 308,427 5.2
4 Zurich 288,459 4.8
5 ACUITY 250,033 4.2
6 American International Group (AIG) 205,522 3.4
7 Liberty Mutual 191,854 3.2
8 Sentry Insurance Mutual Co. 177,445 3.0
9 CNA 168,549 2.8
10 SECURA Insurance Companies 148,061 2.5

(1) Before reinsurance transactions.

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

Top 10 Writers Of Private Passenger Auto Insurance In Wisconsin By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Progressive   $659,836 19.8%
2 American Family Insurance   619,445 18.6
3 State Farm   459,654 13.8
4 Berkshire Hathaway Inc.   161,145 4.8
5 Allstate Corp.   151,201 4.5
6 Erie Insurance   122,267 3.7
7 ACUITY A Mutual Insurance Co. 108,335 3.3
8 West Bend Mutual Insurance Co. 100,349 3.0
9 USAA   86,856 2.6
10 Liberty Mutual   79,801 2.4

(1) Before reinsurance transactions.

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

Top 10 Writers Of Life Insurance/Annuities In Ohio By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Western & Southern Financial   $16,275,446 42.3%
2 Nationwide   1,879,101 4.9
3 AIG   1,511,155 3.9
4 Lincoln Financial   1,196,580 3.1
5 MassMutual   1,113,414 2.9
6 Prudential Financial Inc.   1,075,909 2.8
7 Protective   842,163 2.2
8 Jackson   838,604 2.2
9 Principal Financial Group Inc.   834,580 2.2
10 Voya Financial Inc.   752,657 2.0

(1) Includes life insurance, accident and health insurance, annuity considerations, deposit-type contract funds and other considerations. Before reinsurance transactions.

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

Top 10 Writers Of Homeowners Insurance In Ohio By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $619,780 20.4%
2 Allstate Corp. 335,466 11.0
3 Liberty Mutual 260,007 8.5
4 Nationwide Mutual Group 208,244 6.8
5 Grange Insurance Association 175,782 5.8
6 Erie Insurance Group 168,931 5.6
7 American Family Insurance Group 123,834 4.1
8 Westfield Group 121,422 4.0
9 USAA Insurance Group 118,208 3.9
10 The Cincinnati Insurance Cos. 111,520 3.7

(1) Before reinsurance transactions.

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

Top 10 Writers Of Commercial Insurance In Ohio By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 The Cincinnati Insurance Cos. $520,476 7.1%
2 Liberty Mutual 401,016 5.5
3 Travelers Companies Inc. 372,482 5.1
4 Chubb 372,006 5.1
5 CNA 280,344 3.8
6 Westfield Group 250,764 3.4
7 American International Group (AIG) 247,975 3.4
8 Zurich 246,527 3.4
9 Nationwide Mutual Group 231,549 3.2
10 Progressive 175,162 2.4

(1) Before reinsurance transactions.

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

Top 10 Writers Of Private Passenger Auto Insurance In Ohio By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $1,294,740 17.7%
2 Progressive 1,023,997 16.1
3 Allstate Corp. 723,795 10.6
4 Berkshire Hathaway Inc. 525,101 8.1
5 Nationwide 500,184 6.6
6 Grange Insurance 346,917 5.0
7 Liberty Mutual 316,358 4.6
8 Erie Insurance 249,225 3.7
9 USAA 208,882 3.1
10 American Family Insurance 193,215 2.7

(1) Before reinsurance transactions.

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

Top 10 Writers Of Life Insurance/Annuities In Minnesota By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Securian   $1,575,035 11.8%
2 Lincoln Financial   793,564 5.9
3 Prudential Financial Inc.   693,231 5.2
4 John Hancock   691,200 5.2
5 Principal Financial Group Inc.   668,775 5.0
6 MassMutual   566,374 4.2
7 TIAA   559,357 4.2
8 Pacific Life   516,928 3.9
9 Northwestern Mutual   436,651 3.3
10 AIG   426,332 3.2

(1) Includes life insurance, accident and health insurance, annuity considerations, deposit-type contract funds and other considerations. Before reinsurance transactions.

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

Top 10 Writers Of Homeowners Insurance In Minnesota By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $583,345 25.2%
2 American Family Insurance Group 345,047 14.9
3 Farmers Insurance Group 181,156 7.8
4 Auto-Owners Insurance Co. 132,841 5.7
5 Allstate Corp. 128,201 5.5
6 Travelers Companies Inc. 104,396 4.5
7 Liberty Mutual 101,386 4.4
8 USAA Insurance Group 88,204 3.8
9 Progressive 56,710 2.5
10 Auto Club Insurance Association Group 54,083 2.3

(1) Before reinsurance transactions.

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

Top 10 Writers Of Commercial Insurance In Minnesota By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Zurich $391,944 6.5%
2 Travelers Companies Inc. 339,586 5.7
3 Chubb 288,611 4.8
4 Auto-Owners Insurance Co. 206,382 3.4
5 Liberty Mutual 203,407 3.4
6 American International Group (AIG) 173,327 2.9
7 CNA 141,119 2.4
8 Western National Insurance Group 138,291 2.3
9 QBE Insurance Group Ltd. 138,065 2.3
10 State Farm 134,051 2.2

(1) Before reinsurance transactions.

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

Top 10 Writers Of Private Passenger Auto Insurance In Minnesota By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $879,852 22.5%
2 Progressive 745,489 19.1
3 American Family Insurance 469,682 12.0
4 Farmers Insurance 213,313 5.5
5 Allstate Corp 212,787 5.4
6 Berkshire Hathaway Inc. 157,913 4.0
7 Auto-Owners Insurance 134,837 3.5
8 USAA 131,811 3.4
9 Liberty Mutual 122,043 3.1
10 Travelers 114,603 2.9

(1) Before reinsurance transactions.

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

Top 10 Writers Of Life Insurance/Annuities In Michigan By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Jackson   $1,148,106 6.4%
2 Prudential Financial Inc.   953,560 5.3
3 TIAA   911,053 5.1
4 Principal Financial Group Inc.   871,276 4.8
5 Lincoln Financial   791,774 4.4
6 MassMutual   770,198 4.3
7 Nationwide   634,983 3.5
8 Pacific Life   600,214 3.3
9 John Hancock   596,391 3.3
10 MetLife   596,327 3.3

(1) Includes life insurance, accident and health insurance, annuity considerations, deposit-type contract funds and other considerations. Before reinsurance transactions.

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

Top 10 Writers Of Homeowners Insurance In Michigan By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $464,219 15.9%
2 Auto-Owners Insurance Co. 436,665 15.0
3 Auto Club Insurance Association Group 410,503 14.1
4 Hanover Insurance Group Inc. 256,187 8.8
5 Allstate Corp. 237,857 8.2
6 Michigan Farm Bureau 160,321 5.5
7 Liberty Mutual 139,020 4.8
8 Farmers Insurance Group 107,106 3.7
9 USAA Insurance Group 93,739 3.2
10 American Family Insurance Group 88,529 3.0

(1) Before reinsurance transactions.

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

Top 10 Writers Of Commercial Insurance In Michigan By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Auto-Owners Insurance Co. $394,321 5.1%
2 Travelers Companies Inc. 368,292 4.8
3 Motors Insurance Corporation 333,301 4.3
4 Chubb 294,257 3.8
5 Liberty Mutual 285,159 3.7
6 American Road Insurance Co. 248,038 3.2
7 AF Group 238,973 3.1
8 CNA 218,091 2.8
9 Zurich 197,219 2.6
10 American International Group (AIG) 191,264 2.5

(1) Before reinsurance transactions.

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

Top 10 Writers Of Private Passenger Auto Insurance In Michigan By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Progressive $1,776,969 17.9%
2 State Farm 1,622,260 16.3
3 Auto Club Insurance Association 1,520,481 15.3
4 Auto-Owners Insurance 1,057,964 10.7
5 Allstate Corp 768,926 7.7
6 The Hanover Insurance Group 642,404 6.5
7 Michigan Farm Bureau 498,446 5.0
8 Liberty Mutual 351,869 3.5
9 USAA 302,030 3.0
10 Pioneer State Mutual Insurance Co. 184,488 1.9

(1) Before reinsurance transactions.

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

Hail Fatalities, Injuries And Damage, 2014-2018 (1)

Year Fatalities Injuries Property damage
($ millions)		 Crop damage
($ millions)		 Total damage
($ millions)
2014 0 23 $1,416.9 $293.2 $1,710.1
2015 0 0 586.0 133.0 719.0
2016 0 21 3,512.7 23.7 3,536.4
2017 0 14 1,722.2 59.5 1,781.8
2018 0 11 722.8 87.4 810.2

(1) Includes the 50 states, Puerto Rico, Guam and the U.S. Virgin Islands.

Source: U.S. Department of Commerce, National Oceanic and Atmospheric Administration, National Weather Service.

Top 10 Writers Of Commercial Insurance In Missouri By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Chubb $388,970 6.7%
2 Travelers Companies Inc. 370,492 6.4
3 Missouri Employers Mutual Insurance Co. 237,214 4.1
4 CNA 233,888 4.0
5 Liberty Mutual 229,819 4.0
6 Zurich 206,386 3.6
7 American International Group (AIG) 161,362 2.8
8 Nationwide Mutual Group 157,519 2.7
9 Great American Insurance 157,410 2.7
10 Hartford Financial Services 146,332 2.5

(1) Before reinsurance transactions.

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

Top 10 Writers Of Homeowners Insurance In Missouri By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $559,935 25.0%
2 American Family Insurance Group 346,909 15.5
3 Liberty Mutual 178,618 8.0
4 Farmers Insurance Group 160,716 7.2
5 Shelter Insurance 112,009 5.0
6 USAA Insurance Group 111,974 5.0
7 Allstate Corp. 93,106 4.2
8 Travelers Companies Inc. 90,545 4.0
9 Nationwide Mutual Group 86,423 3.9
10 Auto Club Exchange Group 81,640 3.6

(1) Before reinsurance transactions.

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

Top 10 Writers Of Private Passenger Auto Insurance In Missouri By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $884,376 20.7%
2 American Family Insurance 534,824 12.5
3 Progressive 527,657 12.4
4 Berkshire Hathaway Inc. 330,919 7.8
5 Liberty Mutual 247,027 5.8
6 Shelter Insurance 230,373 5.4
7 Farmers Insurance 212,899 5.0
8 Allstate Corp 197,426 4.6
9 USAA 187,828 4.4
10 Auto Club Exchange 167,130 3.9

(1) Before reinsurance transactions.

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

Top 10 Writers Of Life Insurance/Annuities In Missouri By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 AIG   $1,080,782 9.8%
2 Berkshire Hathaway Inc.   981,994 8.9
3 Prudential Financial Inc.   534,753 4.8
4 Transamerica   497,084 4.5
5 Lincoln Financial   463,978 4.2
6 New York Life   412,629 3.7
7 Global Atlantic   330,910 3.0
8 Principal Financial Group Inc.   325,836 3.0
9 Jackson   322,378 2.9
10 Pacific Life   310,443 2.8

(1) Includes life insurance, accident and health insurance, annuity considerations, deposit-type contract funds and other considerations. Before reinsurance transactions.

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

Deaths in the United States By Firearm, 2022-2023

  Number Percent of total
Deaths caused by firearms (1) 2022 2023 2022 2023
Suicide by firearm 27,032 27,300 56.1 58.4
Assault (homicide) by firearm 19,651 17,927 40.8 38.4
Legal intervention 643 604 1.3 1.3
Accidental discharge of firearms 463 463 1.0 1.0
Undetermined intent 415 434 0.9 0.9
Total  48,204 46,728 100.0% 100.0%

1) Firearms are guns that can be carried by a person and does not refer to larger classes of guns.

Source: Centers for Disease Control and Prevention, National Vital Statistics Report, National Center for Health Statistics, National Safety Council.

Gross Surplus Lines Premiums By State, 2017 (1)

($ millions)
State Total all lines
Alabama  $554.0
Alaska  120.1
Arizona  557.9
Arkansas  NA 
California  7,233.7
Colorado  806.9
Connecticut  583.7
Delaware  140.3
District of Columbia  246.4
Florida  5,252.5
Georgia  1,167.4
Hawaii  255.7
Idaho  NA 
Illinois  1,488.3
Indiana  473.3
Iowa  291.2
Kansas  227.9
Kentucky  215.7
Louisiana  1,414.0
Maine  95.5
Maryland  497.3
Massachusetts  983.9
Michigan NA 
Minnesota  538.4
Mississippi  400.4
Missouri  670.3
Montana  100.4
Nebraska  157.9
Nevada  307.6
New Hampshire  144.4
New Jersey NA 
New Mexico  110.1
New York  4,056.5
North Carolina  732.6
North Dakota  105.2
Ohio  NA 
Oklahoma  325.0
Oregon  376.5
Pennsylvania  NA 
Rhode Island  140.3
South Carolina  629.6
South Dakota  59.8
Tennessee  618.1
Texas  5,566.9
Utah  281.1
Vermont  72.9
Virginia  701.1
Washington  899.5
West Virginia  131.6
Wisconsin  368.6
Wyoming  64.3
United States $40,164.7

(1) Business Insurance survey.

NA=Data not available.

Source: Business Insurance (www.businessinsurance.com), September, 2018.

Top 10 Writers Of Homeowners Insurance In California By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $1,604,187 17.6%
2 Farmers Insurance Group 1,408,290 15.4
3 Liberty Mutual 582,442 6.4
4 CSAA Insurance Exchange 574,938 6.3
5 Allstate Corp. 535,999 5.9
6 USAA Insurance Group 523,067 5.7
7 Auto Club Exchange Group 521,677 5.7
8 Mercury General Corp. 504,107 5.5
9 Nationwide Mutual Group 370,236 4.1
10 Travelers Companies Inc. 306,691 3.4

(1) Before reinsurance transactions.

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

Top 10 Writers Of Earthquake Insurance In California By Direct Premiums Written, 2019

Rank Group/company Direct premiums written (1) Market share
1 CA Earthquake Authority $820,924 39.6%
2 Zurich   169,910 8.2
3 Palomar Specialty Insurance Co. 117,040 5.7
4 Chubb   106,962 5.2
5 GeoVera Holdings   76,961 3.7
6 AIG   72,632 3.5
7 Everest Re   59,292 2.9
8 AXA SA   54,601 2.6
9 Swiss Re   48,976 2.4
10 Golden Bear Insurance Co. 41,459 2.0

(1) Before reinsurance transactions, includes state funds.

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

Top 10 Writers Of Private Passenger Auto Insurance In California By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $3,969,246 12.8%
2 Farmers Insurance Group 3,255,269 10.5
3 Berkshire Hathaway Inc. 3,234,612 10.4
4 Auto Club Exchange Group 2,756,849 8.9
5 Allstate Corp. 2,748,083 8.8
6 Mercury General Corp. 2,451,992 7.9
7 CSAA Insurance Exchange 2,173,401 7.0
8 Kemper Corp. 2,103,133 6.8
9 Progressive 1,592,813 5.1
10 USAA Insurance Group 1,444,112 4.6

(1) Before reinsurance transactions.

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

Top 10 Writers Of Commercial Insurance In California By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Chubb $2,635,414 6.0%
2 Travelers Companies Inc. 2,365,712 5.4
3 Liberty Mutual 2,285,887 5.2
4 Berkshire Hathaway Inc. 2,017,665 4.6
5 Zurich 1,589,092 3.6
6 American International Group (AIG) 1,544,786 3.5
7 Farmers Insurance Group 1,537,310 3.5
8 Hartford Financial Services 1,536,899 3.5
9 Nationwide Mutual Group 1,444,002 3.3
10 Tokio Marine Group 1,219,989 2.8

(1) Before reinsurance transactions.

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

Top 10 Writers Of Commercial Insurance In D.C. By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Chubb $121,140 8.9%
2 Travelers Companies Inc. 120,647 8.9
3 Liberty Mutual 112,331 8.3
4 Hartford Financial Services 83,287 6.1
5 CNA 58,996 4.3
6 Zurich 55,379 4.1
7 American International Group (AIG) 46,785 3.4
8 EMC Insurance 39,444 2.9
9 Attorneys’ Liability Assurance Society 38,844 2.9
10 AXA SA 37,410 2.7

(1) Before reinsurance transactions.

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

Top 10 Writers Of Commercial Insurance In Pennsylvania By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Travelers Companies Inc. $775,483 6.0%
2 Erie Insurance Group 677,820 5.2
3 Liberty Mutual 614,777 4.7
4 Chubb 614,067 4.7
5 Zurich 570,983 4.4
6 CNA 418,663 3.2
7 American International Group (AIG) 416,525 3.2
8 Nationwide Mutual Group 353,714 2.7
9 Berkshire Hathaway Inc. 344,286 2.7
10 Selective 298,270 2.3

(1) Before reinsurance transactions.

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

Top 10 Writers Of Commercial Insurance In New Hampshire By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Liberty Mutual $119,208 9.7%
2 W. R. Berkley Corp. 108,353 8.8
3 Travelers Companies Inc. 69,230 5.6
4 Hanover Insurance Group Inc. 49,630 4.0
5 American International Group (AIG) 43,435 3.5
6 Chubb 43,426 3.5
7 Zurich 35,598 2.9
8 Hartford Financial Services 33,075 2.7
9 Tokio Marine Group 32,277 2.6
10 Berkshire Hathaway Inc. 31,871 2.6

(1) Before reinsurance transactions.

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

Top 10 Writers Of Private Passenger Auto Insurance In D.C. By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Berkshire Hathaway Inc. $140,906 37.1%
2 State Farm 68,216 18.0
3 USAA Insurance Group 37,922 10.0
4 Progressive 34,385 9.1
5 Allstate Corp. 27,504 7.2
6 Liberty Mutual 15,498 4.1
7 Travelers Companies Inc. 13,322 3.5
8 Nationwide Mutual Group 10,305 2.7
9 Erie Insurance Group 9,692 2.6
10 American Family Insurance Group 5,028 1.3

(1) Before reinsurance transactions.

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

Top 10 Writers Of Private Passenger Auto Insurance In Pennsylvania By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $1,712,794 18.6%
2 Erie Insurance 1,241,764 13.5
3 Progressive 1,056,385 11.5
4 Allstate Corp. 1,034,806 11.2
5 Berkshire Hathaway Inc. 810,863 8.8
6 Nationwide 681,512 7.4
7 Liberty Mutual 470,153 5.1
8 USAA 336,597 3.7
9 Travelers 320,846 3.5
10 Farmers Insurance 208,061 2.3

(1) Before reinsurance transactions.

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

Top 10 Writers Of Private Passenger Auto Insurance In New Hampshire By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Berkshire Hathaway Inc. $125,329 14.5%
2 Progressive 112,294 13.7
3 State Farm 107,033 11.7
4 Allstate Corp. 88,635 10.1
5 Liberty Mutual 93,630 9.9
6 USAA 48,349 5.7
7 Concord Group Insurance 30,982 3.7
8 Amica 31,046 3.5
9 MetLife 26,097 3.0
10 Travelers 20,520 2.4

(1) Before reinsurance transactions.

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

Top 10 Writers Of Homeowners Insurance In D.C. By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $36,734 21.4%
2 Travelers Companies Inc. 34,122 19.9
3 Chubb 21,866 12.7
4 USAA Insurance Group 18,490 10.8
5 Allstate Corp. 12,827 7.5
6 Liberty Mutual 10,608 6.2
7 Nationwide Mutual Group 7,141 4.2
8 Erie Insurance Group 6,468 3.8
9 Assurant 4,122 2.4
10 American Family Insurance Group 3,773 2.2

(1) Before reinsurance transactions.

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

Top 10 Writers Of Homeowners Insurance In Pennsylvania By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $607,312 17.3%
2 Erie Insurance Group 543,994 15.5
3 Allstate Corp. 459,033 13.0
4 Liberty Mutual 297,776 8.5
5 Nationwide Mutual Group 256,424 7.3
6 Travelers Companies Inc. 231,865 6.6
7 USAA Insurance Group 152,190 4.3
8 Chubb 108,540 3.1
9 Farmers Insurance Group 88,961 2.5
10 Donegal Insurance Group 67,849 1.9

(1) Before reinsurance transactions.

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

Top 10 Writers Of Homeowners Insurance In New Hampshire By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Liberty Mutual $60,861 13.9%
2 State Farm 42,744 9.8
3 Allstate Corp. 37,120 8.5
4 USAA Insurance Group 31,735 7.3
5 Vermont Mutual Insurance Co. 20,533 4.7
6 Concord Group Insurance Companies 20,334 4.6
7 Amica Mutual Insurance Co. 18,919 4.3
8 Travelers Companies Inc. 17,057 3.9
9 MetLife Inc. 15,272 3.5
10 Hanover Insurance Group Inc. 14,079 3.2

(1) Before reinsurance transactions.

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

Fatal Crashes Involving Distracted Drivers, 2023

  Crashes Drivers Fatalities
Total fatal crashes 37,654 57,939 40,901
Distraction-affected fatal crashes      
Number of distraction-affected fatal crashes 3,021 3,143 3,275
Percent of total fatal crashes 8% 5% 8%
Cellphone in use in distraction-affected fatal crashes      
Number of cellphone distraction-affected fatal crashes 369 371 397
Percent of fatal distraction-affected crashes 12% 12% 12%

Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.

Flood Insurance Policies In Force, Selected Gulf States, 2005 And 2014

  Louisiana Mississippi Alabama
2014 472,542 70,635 56,393
2005 388,121 45,563 45,139

Source: U.S. Department of Homeland Security, FEMA; Insurance Information Institute Fact Books.

Top 10 States For Wildfires Ranked By Number Of Fires And By Number Of Acres Burned, 2024

Rank State Number of fires Rank State Number of acres burned
1 California 8,316 1 Oregon 1,797,796
2 Texas 4,967 2 Texas 1,314,903
3 North Carolina 4,668 3 California 1,081,144
4 Oklahoma 3,041 4 Idaho 996,762
5 Missouri 2,804 5 Alaska 667,075
6 Georgia 2,492 6 Wyoming 620,069
7 Florida 2,348 7 Oklahoma 383,592
8 Montana 2,323 8 Montana 352,491
9 Oregon 2,232 9 Arizona 282,989
10 Arizona 2,191 10 Washington 275,593

Source: National Interagency Fire Center.

Top 10 Writers Of Multiple Peril Crop Insurance By Direct Premiums Written, 2024

($000)
Rank Group/company Direct premiums written (1) Market share (2)
1 QBE Insurance Group Ltd. $3,545,736 21.5%
2 Chubb Ltd. 3,286,278 19.9
3 Sompo 2,324,015 14.1
4 Zurich Insurance Group 2,314,048 14.0
5 Great American Insurance Group 1,837,046 11.1
6 Farmers Mutual Hail Insurance Company of Iowa 1,627,392 9.9
7 Tokio Marine 864,551 5.2
8 Farm Bureau Financial Services 173,540 1.1
9 American International Group (AIG) 110,911 0.7
10 Country Financial 101,242 0.6

(1) Before reinsurance transactions, includes state funds.
(2) Based on U.S. total, excluding territories.

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

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $257
Life premiums 492
Total premiums $749
Percent of total world premiums 0.02%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $623
Life premiums 153
Total premiums $775
Percent of total world premiums 0.02%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $838
Life premiums 14
Total premiums $853
Percent of total world premiums 0.02%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 NA
2012 NA
2013 $21.0
2014 23.4
2015 24.6

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

NA=Data not available.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2012-2015 (1)

(U.S. $ billions)
Year GDP
2012 $74.6
2013 81.5
2014 118.7
2015 125.9

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 NA
2012 $115.9
2013 131.8
2014 175.5
2015 184.4

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

NA=Data not available.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 1,303,717
2012 1,313,095
2013 1,322,238
2014 1,331,155
2015 1,339,827

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 13,824,463
2012 14,099,032
2013 14,373,472
2014 14,647,083
2015 14,918,999

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 13,338,541
2012 18,056,072
2013 18,565,269
2014 19,088,106
2015 19,625,353

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Leading Life Insurance Companies, 2014

  Gross written premiums
Company MUR Mn USD Mn 
BAI  8,162.3 266.6
SICOM  3,715.0 121.3
Anglo  3,061.4 100.0
LPM  658.4 21.5
LIC  336.6 11.0
Island Life  189.4 6.2
Mauritian Eagle  156.3 5.1
Phoenix  12.0 0.4
Lamco  4.4 0.1
IOGA  3.9 0.1

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2014

  Gross written premiums
Company MUR Mn  USD Mn 
Swan  2,091.1 68.3
MUA  1,660.9 54.2
Mauritian Eagle  1,066.3 34.8
SICOM  667.4 21.8
Jubilee  457.2 14.9
New India  332.0 10.8
Phoenix  284.9 9.3
Lamco  213.7 7.0
BAI 208.5 6.8
GFA  157.5 5.1

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2014

  Gross written premiums
Company GTQ Mn USD Mn
Roble 868.2 112.3
G&T 693.8 89.7
MAPFRE 233.6 30.2
Universales 231.8 30.0
General 227.2 29.4
CHN 202.4 26.2
Agromercantil 159.7 20.7
Ceiba 96.2 12.5
AIG Seguros 93.4 12.1
Rural 90.4 11.7

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2008

  Gross written premiums 
Company AOA Mn USD Mn
AAA Seguros 2,287.8 30.5
ENSA  352.8 4.7

Source: Axco Insurance Information Services.

Leading Nonlife And Life Insurance Companies, 2013 (1)

  Gross written premiums
Company AOA Mn USD Mn
ENSA 37,567.8 389.2
AAA Seguros 22,830.3 236.5
GA 20,583.6 213.3
Global Seguros 5,682.3 58.9
NOSSA 4,230.1 43.8
A Mundial Seguros 3,882.0 40.2
Garantia 1,460.5 15.1
Tranquilidade 1,165.3 12.1
Triunfal Seguros 166.1 1.7
Confiança 37.8 0.4

(1) Includes life and nonlife.

Source: Axco Insurance Information Services.

Total Potential Residential Exposure To Hurricane Storm-Surge Damage In Coastal States, 2013 (1)

Rank (2) State Total exposure
to damage
($ billions)		 Number
of homes
1 Florida $386.5 1,478,858
2 New York 135.0 270,458
3 New Jersey 118.8 350,577
4 Virginia 78.0 329,234
5 Louisiana 72.0 411,052
6 South Carolina 65.6 196,784
7 North Carolina 65.2 232,212
8 Texas 50.9 369,071
9 Massachusetts 50.3 107,657
10 Connecticut 35.0 53,614
11 Maryland 22.4 75,262
12 Georgia 20.5 118,004
13 Delaware 15.9 42,178
14 Mississippi 10.3 78,992
15 Rhode Island 7.2 16,722
16 Alabama 4.7 34,854
17 Maine 3.1 10,535
18 New Hampshire 2.7 5,854
19 Pennsylvania 2.6 20,198
20 D.C. 0.1 247
  United States $1,146.9 4,202,363

(1) Exposure to potential hurricane-driven storm-surge damage to single family homes in states along the Atlantic and Gulf coasts. Based on estimated property values as of April 2013, as calculated by CoreLogic. Results are not comparable to previous years, as CoreLogic’s methodology has changed.
(2) Ranked on dollar value of exposure to damage.

Source: CoreLogic (www.corelogic.com).

Top 10 Writers Of Private Passenger Auto Insurance In Vermont By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Progressive   $74,063 18.7%
2 Berkshire Hathaway Inc.   59,389 15.0
3 Liberty Mutual   32,627 8.3
4 State Farm   30,759 7.8
5 Allstate Corp.   21,961 5.6
6 Concord Group Insurance   20,429 5.2
7 USAA   19,554 4.9
8 Vermont Mutual Insurance   15,847 4.0
9 Patrons Co-op Fire Insurance Co. 15,147 3.8
10 Travelers   14,838 3.8

(1) Before reinsurance transactions.

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

Top 10 Writers Of Private Passenger Auto Insurance In Texas By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $3,255,667 14.0%
2 Progressive 3,102,637 13.4
3 Berkshire Hathaway Inc. 3,082,238 13.3
4 Allstate Corp. 2,824,829 12.2
5 USAA 1,974,517 8.5
6 Farmers Insurance 1,823,955 7.9
7 Liberty Mutual 1,057,647 4.6
8 Texas Farm Bureau Insurance 767,565 3.3
9 Consumers County Mutual Insurance Co. 530,895 2.3
10 Auto Club Exchange 388,520 1.7

(1) Before reinsurance transactions.

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

Top 10 Writers Of Private Passenger Auto Insurance In South Carolina By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm   $959,582 21.2%
2 Berkshire Hathaway Inc.   633,024 14.0
3 Progressive   556,502 12.3
4 Allstate Corp.   520,177 11.5
5 USAA   442,544 9.8
6 Nationwide   219,800 4.9
7 Travelers   213,434 4.7
8 Liberty Mutual   208,172 4.6
9 Southern Farm Bureau Casualty   136,682 3.0
10 Auto-Owners Insurance   99,342 2.2

(1) Before reinsurance transactions.

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

Top 10 Writers Of Private Passenger Auto Insurance In Rhode Island By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Progressive   $239,274 24.4%
2 Berkshire Hathaway Inc.   127,370 13.0
3 Amica   112,242 11.4
4 Allstate Corp.   102,139 10.4
5 USAA   65,301 6.7
6 Liberty Mutual   59,970 6.1
7 MetLife   46,202 4.7
8 Nationwide   45,513 4.6
9 MAPFRE   26,583 2.7
10 Travelers   24,246 2.5

(1) Before reinsurance transactions.

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

Top 10 Writers Of Private Passenger Auto Insurance In New York By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Berkshire Hathaway Inc.   $4,555,220 32.3%
2 Allstate Corp.   1,897,997 13.8
3 State Farm   1,756,075 12.1
4 Progressive   1,477,674 11.2
5 Liberty Mutual   761,979 5.7
6 Travelers   542,543 3.9
7 USAA   422,789 3.1
8 NYCM Insurance   365,370 2.7
9 National General Holdings Corp. 337,462 2.0
10 Nationwide   270,391 1.9

(1) Before reinsurance transactions.

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

LEADING WRITERS OF PRIVATE PASSENGER AUTO INSURANCE IN NEW ENGLAND BY DIRECT PREMIUMS WRITTEN, 2014 (1)

Rank Group/company Direct premiums written ($000) Market share
1 MAPFRE $1,186,978 12.5%
2 Liberty Mutual 1,137,058 11.9
3 Berkshire Hathaway Inc. 986,982 10.4
4 Progressive Corp. 718,634 7.5
5 Allstate Corp.  683,042 7.2
6 Safety Insurance Group Inc. 472,553 5.0
7 MetLife Inc.  425,553 4.5
8 Arbella Mutual Insurance Co. 418,467 4.4
9 State Farm Mutual Automobile Insurance 368,577 3.9
10 Amica Mutual Insurance Co. 366,336 3.8

(1) Before reinsurance transactions.

Source: SNL Financial LC.

Top 10 Writers Of Private Passenger Auto Insurance In Maine By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Progressive $123,952 15.8%
2 State Farm 101,334 12.9
3 Berkshire Hathaway Inc. 90,108 11.5
4 Liberty Mutual 64,891 8.3
5 Allstate Corp 53,887 6.9
6 USAA 38,805 4.9
7 MetLife 30,924 3.9
8 Concord Group Insurance 30,159 3.8
9 Travelers 26,640 3.4
10 The Hanover Insurance Group 25,120 3.2

(1) Before reinsurance transactions.

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

Top 10 Writers Of Private Passenger Auto Insurance In Delaware By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $213,131 22.8%
2 Berkshire Hathaway Inc. 176,237 18.8
3 Nationwide Mutual Group 106,415 11.4
4 Progressive 97,773 10.4
5 USAA Insurance Group 84,138 9.0
6 Liberty Mutual 66,563 7.1
7 Allstate Corp. 59,196 6.3
8 Hartford Financial Services 20,741 2.2
9 Travelers Companies Inc. 20,497 2.2
10 CSAA Insurance Exchange 12,952 1.4

(1) Before reinsurance transactions.

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

Top 10 Writers Of Private Passenger Auto Insurance In Connecticut By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Berkshire Hathaway Inc. $580,363 18.4%
2 Progressive 354,769 11.3
3 Allstate Corp. 305,916 9.7
4 Liberty Mutual 264,759 8.4
5 State Farm 223,393 7.1
6 Travelers Companies Inc. 179,635 5.7
7 USAA Insurance Group 149,983 4.8
8 MetLife Inc. 117,671 3.7
9 Amica Mutual Insurance Co. 113,755 3.6
10 Nationwide Mutual Group 103,849 3.3

(1) Before reinsurance transactions.

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

Top 10 Writers Of Private Passenger Auto Insurance In North Carolina By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $946,301 14.1%
2 Berkshire Hathaway Inc. 780,564 12.9
3 National General Holdings Corp. 645,503 10.3
4 Nationwide 689,089 10.0
5 North Carolina Farm Bureau Insurance 612,305 9.7
6 Allstate Corp. 518,374 8.0
7 USAA 479,938 7.8
8 Progressive 402,262 7.3
9 Erie Insurance 249,828 4.1
10 Liberty Mutual 179,360 2.8

(1) Before reinsurance transactions.

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

Top 10 Writers Of Private Passenger Auto Insurance In Mississippi By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $468,461 23.3%
2 Progressive 243,234 12.1
3 Southern Farm Bureau Casualty 237,144 11.8
4 Allstate Corp 149,744 7.5
5 Berkshire Hathaway Inc. 149,643 7.5
6 Liberty Mutual 147,025 7.3
7 USAA 114,609 5.7
8 Nationwide 92,671 4.6
9 Alfa Mutual Group 68,995 3.4
10 Shelter Insurance 66,958 3.3

(1) Before reinsurance transactions.

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

Top 10 Writers Of Private Passenger Auto Insurance In Louisiana By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $1,442,013 29.5%
2 Progressive 803,098 16.4
3 Berkshire Hathaway Inc. 571,942 11.7
4 Allstate Corp. 540,138 11.1
5 USAA Insurance Group 294,072 6.0
6 Southern Farm Bureau Casualty 244,193 5.0
7 Liberty Mutual 197,964 4.1
8 GoAuto Insurance Co. 163,080 3.3
9 National General Holdings Corp. 104,747 2.1
10 Shelter Insurance 69,821 1.4

(1) Before reinsurance transactions.

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

Top 10 Writers Of Private Passenger Auto Insurance In Georgia By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $2,062,627 20.8%
2 Progressive                               1,400,808             14.1
3 Berkshire Hathaway Inc.                               1,305,915             13.2
4 Allstate Corp.                                  948,576               9.6
5 USAA Insurance Group                                  917,381               9.2
6 Liberty Mutual                                  373,918               3.8
7 Auto-Owners Insurance Co.                                  344,268               3.5
8 Travelers Companies Inc.                                  315,498               3.2
9 Georgia Farm Bureau                                   252,117               2.5
10 Farmers Insurance Group                                   238,218               2.4

(1) Before reinsurance transactions.

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

Top 10 Writers Of Private Passenger Auto Insurance In Florida By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Berkshire Hathaway Inc. $5,314,424 25.7%
2 Progressive 4,217,321 20.4
3 State Farm 2,852,377 13.8
4 Allstate Corp. 1,939,734 9.4
5 USAA Insurance Group 1,481,927 7.2
6 Liberty Mutual 568,158 2.7
7 Travelers Companies Inc. 432,002 2.1
8 Kemper Corp. 417,175 2.0
9 National General Holdings Corp. 394,955 1.9
10 Farmers Insurance Group 356,747 1.7

(1) Before reinsurance transactions.

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

Top 10 Writers Of Private Passenger Auto Insurance In Alabama By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $847,370 23.0%
2 Alfa Mutual Group 501,549 13.6
3 Berkshire Hathaway Inc. 414,662 11.2
4 Allstate Corp. 400,960 10.9
5 Progressive 345,091 9.3
6 USAA Insurance Group 275,865 7.5
7 National General Holdings Corp. 115,379 3.1
8 Travelers Companies Inc. 82,966 2.2
9 Liberty Mutual 78,023 2.1
10 Farmers Insurance Group 78,012 2.1

(1) Before reinsurance transactions.

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

Contents Claim Index, Homeowners Insurance, 2012 (1)

Category Percent of total claims
Jewelry 16%
Electronics 13
Apparel 13
Furniture 10
House and home 10
Tools 5
Appliances 4
Sporting goods 3
Books and magazines 3
Beds and matresses 2

(1) Top contents categories as compiled from homeowners claims filed with insurers. Ranked by dollar value as a percent of total claims. Dollar value is based on the cost to replace items that are damaged, lost or stolen. The Index includes 300 insurers.

Source: Enservio.

Top 10 Writers Of Directors And Officers Insurance By Direct Premiums Written, 2024 (1)

($000)
Rank Group/company Direct premiums Written (2) Market share (3)
1 Chubb Ltd. $959,463 8.7%
2 American International Group (AIG) 938,714 8.5
3 AXA 876,303 8.0
4 Berkshire Hathaway Inc. 856,041 7.8
5 Tokio Marine 828,078 7.5
6 Loews Corporation 518,127 4.7
7 Fairfax Financial Holdings 492,921 4.5
8 Travelers Companies Inc. 449,621 4.1
9 Sompo 388,859 3.5
10 Zurich 371,345 3.4

(1) Directors and Officers Insurance can be a stand-alone policy which is not part of Commercial Multi-Peril Insurance or a package policy which is part of Commercial Multi-Peril. The data in the chart pertains to stand-alone only. The Directors and Officers Insurance portion of Commercial Multi-Peril does not represent a material amount of industry Directors and Officers Insurance premium.
(2) Before reinsurance transactions.
(3) Based on U.S. total, excluding territories.

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

INDIVIDUAL ANNUITY CONSIDERATIONS, 2006-2010 (1)

($ billions)
      Total
Year Variable Fixed Amount Percent change
from prior year
2006 $160.4 $78.3 $238.7 10.3%
2007 184.0 72.8 256.8 7.6
2008 155.7 109.3 265.0 3.2
2009 128.0 110.6 238.6 -10.0
2010 140.5 80.8 221.3 -7.3

(1) Based on LIMRA’s estimates of the total annuity sales market. Includes some considerations (i.e., premiums) that though bought in group settings involve individual buying decisions.

Source: LIMRA International.

Leading Life Insurance Companies, 2015

  Gross written premiums
Company UYU Mn USD Mn
Banco de Seguros del Estado  7,895.6 288.9
MetLife Seguros de Vida SA  1,656.9 60.6
MAPFRE Uruguay Seguros SA  1,304.4 47.7
Surco  261.3 9.6
Zurich Santander SA 221.7 8.1
Porto Seguro  178.1 6.5
Sancor Seguros SA  97.9 3.6
Royal & Sun Alliance Seguros SA  48.5 1.8
HDI Seguros SA  7.5 0.3

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2015

  Gross written premiums
Company  LTL Mn USD Mn
Lietuvos draudimas  127.2 137.4
BTA  54.4 58.8
PZU Lietuva  52.3 56.5
ERGO Lietuva  52.3 56.5
If P&C  30.4 32.8
Gjensidige Baltic  26.9 29.0
Compensa Vienna  19.7 21.3
Seesam Lietuva  13.1 14.2
Swedbank  10.0 10.8
Vereinigte Hagel  4.8 5.2

Source: Axco Insurance Information Services.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $278.1
2012 299.2
2013 358.9
2014 509.5
2015 552.3

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $344.2
2012 368.8
2013 407.4
2014 545.7
2015 515.7

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $48.4
2012 52.0
2013 56.3
2014 69.8
2015 71.4

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $14,720.0
2012 15,040.0
2013 16,720.0
2014 17,460.0
2015 17,950.0

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $2,189.0
2012 2,250.0
2013 2,378.0
2014 2,435.0
2015 2,679.0

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $199.8
2012 260.8
2013 269.8
2014 605.0
2015 647.8

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $306.3
2012 327.4
2013 337.4
2014 373.1
2015 339.5

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $958.3
2012 1,053.0
2013 1,167.0
2014 1,512.0
2015 1,589.0

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $100.3
2012 101.7
2013 108.4
2014 125.1
2015 127.0

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $27.1
2012 26.8
2013 27.1
2014 42.2
2015 44.3

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $580.3
2012 609.8
2013 674.3
2014 990.1
2015 1,108.0

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $823.6
2012 885.3
2013 926.4
2014 1,022.0
2015 1,099.0

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $326.5
2012 340.5
2013 370.3
2014 444.7
2015 482.3

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $354.0
2012 379.4
2013 393.8
2014 434.2
2015 473.4

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

Year GDP
2011 $104.7
2012 115.1
2013 134.5
2014 217.1
2015 223.0

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $1,376.0
2012 1,411.0
2013 1,389.0
2014 1,534.0
2015 1,615.0

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $1,467.0
2012 1,554.0
2013 1,666.0
2014 1,786.0
2015 1,849.0

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $527.5
2012 554.6
2013 595.7
2014 683.1
2015 723.5

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $56.8
2012 58.6
2013 56.5
2014 60.5
2015 64.0

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $121.3
2012 126.9
2013 133.4
2014 149.9
2015 161.0

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $292.4
2012 314.5
2013 339.0
2014 445.2
2015 471.9

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $80.5
2012 79.1
2013 80.5
2014 90.3
2015 97.5

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $622.5
2012 676.7
2013 927.8
2014 1,616.0
2015 1,683.0

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

Year GDP
2011 $2,229.0
2012 NA
2013 2,553.0
2014 3,568.0
2015 3,718.0

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

NA=Data not available.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $253.3
2012 263.9
2013 280.7
2014 386.5
2015 413.8

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $122.2
2012 181.7
2013 198.7
2014 323.2
2015 319.8

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $247.0
2012 NA
2013 243.3
2014 276.0
2015 289.8

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

NA=Data not available.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $725.2
2012 765.6
2013 814.0
2014 941.4
2015 1,005.0

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $353.2
2012 393.4
2013 454.3
2014 694.6
2015 741.0

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $277.2
2012 299.7
2013 344.0
2014 376.7
2015 389.1

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $44.8
2012 48.8
2013 61.5
2014 77.0
2015 87.2

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $451.2
2012 488.0
2013 574.1
2014 884.2
2015 931.0

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $76.5
2012 80.9
2013 94.9
2014 163.6
2015 171.4

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $276.4
2012 264.5
2013 282.2
2014 339.5
2015 356.2

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $369.8
2012 414.5
2013 478.5
2014 1,058.0
2015 1,092.0

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $119.2
2012 123.3
2013 136.0
2014 158.7
2015 168.2

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $680.4
2012 705.7
2013 696.3
2014 798.1
2015 832.6

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $14.6
2012 15.5
2013 17.8
2014 23.6
2015 25.3

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $153.8
2012 163.0
2013 180.0
2014 254.4
2015 273.5

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015

(U.S. $ billions)
Year GDP
2011 $1,560.0
2012 1,657.0
2013 1,845.0
2014 2,143.0
2015 2,227.0

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $11.8
2012 10.9
2013 11.5
2014 13.4
2015 15.4

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $416.7
2012 447.0
2013 525.0
2014 746.8
2015 815.6

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $18.5
2012 18.5
2013 47.2
2014 51.7
2015 65.4

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $40.8
2012 43.6
2013 42.7
2014 50.7
2015 55.7

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $56.2
2012 61.3
2013 67.4
2014 79.0
2015 82.4

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2009-2013 (1)

(U.S. $ billions)
Year GDP
2009 $3.2
2010 NA
2011 NA
2012 NA
2013 NA

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

NA=Data not available.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $58.7
2012 61.6
2013 64.3
2014 80.5
2015 83.1

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $144.3
2012 149.8
2013 165.8
2014 283.9
2015 288.4

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $66.0
2012 71.5
2013 79.9
2014 134.7
2015 141.9

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $197.7
2012 214.5
2013 243.6
2014 420.6
2015 429.1

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $33.8
2012 36.8
2013 40.0
2014 79.8
2015 82.7

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $4,338.0
2012 4,389.0
2013 4,729.0
2014 4,807.0
2015 4,830.0

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $23.9
2012 24.6
2013 25.1
2014 24.3
2015 24.7

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $1,782.0
2012 1,826.0
2013 1,805.0
2014 2,066.0
2015 2,171.0

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $217.1
2012 235.1
2013 274.5
2014 268.3
2015 281.9

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $172.3
2012 182.1
2013 190.4
2014 224.7
2015 257.4

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $863.5
2012 928.9
2013 987.1
2014 1,284.0
2015 1,371.0

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $1,033.0
2012 1,121.0
2013 1,285.0
2014 2,554.0
2015 2,842.0

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $4,046.0
2012 4,463.0
2013 4,962.0
2014 7,277.0
2015 7,965.0

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $190.0
2012 195.9
2013 196.6
2014 239.9
2015 258.4

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $327.0
2012 353.7
2013 381.7
2014 400.6
2015 414.6

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $321.7
2012 305.6
2013 267.1
2014 284.3
2015 286.0

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $2,960.0
2012 3,085.0
2013 3,227.0
2014 3,621.0
2015 3,841.0

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $2,160.0
2012 2,214.0
2013 2,273.0
2014 2,587.0
2015 2,647.0

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $187.6
2012 195.6
2013 195.5
2014 221.5
2015 225.0

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $44.0
2012 44.8
2013 47.5
2014 50.9
2015 53.0

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $500.9
2012 515.4
2013 551.4
2014 945.4
2015 1,048.0

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $115.3
2012 124.8
2013 157.6
2014 182.0
2015 183.4

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $84.9
2012 93.2
2013 101.0
2014 135.7
2015 149.7

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $201.4
2012 208.8
2013 211.3
2014 248.7
2015 258.7

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $262.8
2012 272.2
2013 285.6
2014 299.7
2015 332.5

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $23.2
2012 23.8
2013 21.6
2014 24.9
2015 28.1

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $78.5
2012 80.9
2013 78.9
2014 87.3
2015 91.1

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $51.6
2012 54.5
2013 61.4
2014 71.2
2015 74.9

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $431.9
2012 467.0
2013 526.5
2014 642.7
2015 667.4

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $9,872.0
2012 11,300.0
2013 13,370.0
2014 17,630.0
2015 19,390.0

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $260.0
2012 281.0
2013 335.4
2014 410.3
2015 422.4

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $1,335.0
2012 1,389.0
2013 1,518.0
2014 1,579.0
2015 1,632.0

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

Year GDP
2011 $92.2
2012 101.2
2013 104.6
2014 123.3
2015 133.9

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $2,194.0
2012 2,284.0
2013 2,422.0
2014 3,073.0
2015 3,192.0

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $5.6
2012 NA
2013 5.2
2014 NA
2015 NA

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

NA=Data not available.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $396.9
2012 412.0
2013 421.7
2014 467.1
2015 494.1

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $259.3
2012 282.5
2013 324.6
2014 535.6
2015 577.0

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $29.8
2012 30.8
2013 35.0
2014 61.6
2015 64.8

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $8.9
2012 10.8
2013 11.4
2014 9.0
2015 9.2

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $332.6
2012 351.4
2013 361.0
2014 386.9
2015 404.3

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $889.6
2012 917.7
2013 998.3
2014 1,100.0
2015 1,489.0

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $596.0
2012 709.7
2013 771.0
2014 927.4
2015 972.0

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Gross Domestic Product, 2011-2015 (1)

(U.S. $ billions)
Year GDP
2011 $254.7
2012 264.1
2013 284.7
2014 552.6
2015 578.7

(1) Based on Purchasing Power Parity calculations, which take into account the relative cost of living and inflation rates of countries. GDP estimate for July for each year shown.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 90,549,390
2012 91,519,289
2013 92,477,857
2014 93,421,835
2015 94,348,835

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 27,635,743
2012 28,047,938
2013 28,459,085
2014 28,868,486
2015 29,275,460

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 3,308,535
2012 3,316,328
2013 3,324,460
2014 3,332,972
2015 3,341,893

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 313,232,044
2012 313,847,465
2013 316,668,567
2014 318,892,103
2015 321,368,864

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 62,698,362
2012 63,047,162
2013 63,395,574
2014 63,742,977
2015 64,088,222

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 5,148,664
2012 5,314,317
2013 5,473,972
2014 5,628,805
2015 5,779,760

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 45,134,707
2012 44,854,065
2013 44,573,205
2014 44,291,413
2015 44,429,471

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 78,785,548
2012 79,749,461
2013 80,694,485
2014 81,619,392
2015 79,414,269

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 10,629,186
2012 10,732,900
2013 10,835,873
2014 10,937,521
2015 11,037,225

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 1,227,505
2012 1,226,383
2013 1,225,225
2014 1,223,916
2015 1,222,363

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 66,720,153
2012 67,091,089
2013 67,448,120
2014 67,741,401
2015 67,976,405

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 23,071,779
2012 23,113,901
2013 23,299,716
2014 23,359,928
2015 23,415,126

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 7,639,961
2012 7,655,628
2013 7,996,026
2014 8,061,516
2015 8,121,830

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 9,088,728
2012 9,103,788
2013 9,119,423
2014 9,723,809
2015 9,801,616

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 21,283,913
2012 21,481,334
2013 21,675,648
2014 21,866,445
2015 22,053,488

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 46,754,784
2012 47,042,984
2013 47,370,542
2014 47,737,941
2015 48,146,134

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 48,754,657
2012 48,860,500
2013 48,955,203
2014 49,039,986
2015 49,115,196

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 49,004,031
2012 48,810,427
2013 48,601,098
2014 48,375,645
2015 53,675,563

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 2,000,092
2012 1,996,617
2013 1,992,690
2014 1,988,292
2015 1,983,412

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 5,477,038
2012 5,483,088
2013 5,488,339
2014 5,443,583
2015 5,445,027

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 4,740,737
2012 5,353,494
2013 5,460,302
2014 5,567,301
2015 5,674,472

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 7,310,555
2012 7,276,604
2013 7,243,007
2014 7,209,764
2015 7,176,794

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 26,131,703
2012 26,534,504
2013 26,939,583
2014 27,345,986
2015 27,752,316

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 138,739,892
2012 138,082,178
2013 142,500,482
2014 142,470,272
2015 142,423,773

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 21,904,551
2012 21,848,504
2013 21,790,479
2014 21,729,871
2015 21,666,350

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 848,016
2012 1,951,591
2013 2,042,444
2014 2,123,160
2015 2,194,817

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 10,760,305
2012 10,781,459
2013 10,799,270
2014 10,813,834
2015 10,825,309

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 38,441,588
2012 38,415,284
2013 38,383,809
2014 38,346,279
2015 38,562,189

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 101,833,938
2012 103,775,002
2013 105,720,644
2014 107,668,231
2015 100,998,376

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 29,248,943
2012 29,549,517
2013 29,849,303
2014 30,147,935
2015 30,444,999

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 3,460,462
2012 3,510,045
2013 3,559,408
2014 3,608,431
2015 3,657,024

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 187,342,721
2012 190,291,129
2013 193,238,868
2014 196,174,380
2015 199,085,847

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 3,027,959
2012 3,090,150
2013 3,154,134
2014 3,219,775
2015 3,286,936

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 4,691,849
2012 4,707,270
2013 4,722,701
2014 5,147,792
2015 5,207,689

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 155,215,573
2012 170,123,740
2013 174,507,539
2014 177,155,754
2015 181,562,056

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 4,290,347
2012 4,327,944
2013 4,365,113
2014 4,401,916
2015 4,438,393

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 16,847,007
2012 16,730,632
2013 16,805,037
2014 16,877,351
2015 16,947,904

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 2,147,585
2012 2,165,828
2013 2,182,852
2014 2,198,406
2015 2,212,307

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 31,968,361
2012 32,309,239
2013 32,649,130
2014 32,987,206
2015 33,322,699

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 113,724,226
2012 114,975,406
2013 116,220,947
2014 120,286,655
2015 121,736,809

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 408,333
2012 409,836
2013 411,277
2014 412,655
2015 413,965

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 28,728,607
2012 29,179,952
2013 29,628,392
2014 30,073,353
2015 30,513,848

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 573,003
2012 578,025
2013 583,003
2014 587,914
2015 592,731

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 503,302
2012 509,074
2013 514,862
2014 520,672
2015 570,252

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 3,535,547
2012 3,525,761
2013 3,515,858
2014 3,505,738
2015 2,884,433

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 35,236
2012 36,713
2013 37,009
2014 37,313
2015 37,624

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 4,143,101
2012 4,140,289
2013 4,131,583
2014 5,882,562
2015 6,184,701

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 2,595,628
2012 2,646,314
2013 2,695,316
2014 2,742,711
2015 2,788,534

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 41,070,934
2012 43,013,341
2013 44,037,656
2014 45,010,056
2015 45,925,301

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 15,522,373
2012 17,522,010
2013 17,736,896
2014 17,948,816
2015 18,157,122

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 6,508,271
2012 6,508,887
2013 6,482,081
2014 7,930,491
2015 8,117,564

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 126,475,664
2012 127,368,088
2013 127,253,075
2014 127,103,388
2015 126,919,659

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 2,868,380
2012 2,889,187
2013 2,909,714
2014 2,930,050
2015 2,950,210

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 61,016,804
2012 61,261,254
2013 61,482,297
2014 61,680,122
2015 61,855,120

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 7,473,052
2012 7,590,758
2013 7,707,042
2014 7,821,850
2015 8,049,314

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 4,670,976
2012 4,722,028
2013 4,775,982
2014 4,832,765
2015 4,892,305

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 77,891,220
2012 78,868,711
2013 79,853,900
2014 80,840,713
2015 81,824,270

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 245,613,043
2012 248,216,193
2013 251,160,124
2014 253,609,643
2015 255,993,674

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 77,891,220
2012 78,868,711
2013 79,853,900
2014 1,236,344,631
2015 1,251,695,584

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 9,976,062
2012 9,958,453
2013 9,939,470
2014 9,919,128
2015 9,897,541

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 7,122,508
2012 7,153,519
2013 7,182,724
2014 7,112,688
2015 7,141,106

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 10,760,136
2012 10,767,827
2013 10,772,967
2014 10,775,557
2015 10,775,643

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 81,471,834
2012 81,305,856
2013 81,147,265
2014 80,996,685
2015 80,854,408

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 65,312,249
2012 65,630,692
2013 65,951,611
2014 66,259,012
2015 66,553,766

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 5,259,250
2012 5,262,930
2013 5,266,114
2014 5,268,799
2015 5,476,922

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 6,071,774
2012 6,090,646
2013 6,108,590
2014 6,125,512
2015 6,141,350

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 82,079,636
2012 83,688,164
2013 85,294,388
2014 86,895,099
2015 88,487,396

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 15,007,343
2012 15,223,680
2013 15,439,429
2014 15,654,411
2015 15,868,396

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 9,956,648
2012 10,088,598
2013 10,219,630
2014 10,349,741
2015 10,478,756

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 5,529,888
2012 5,543,453
2013 5,556,452
2014 5,569,077
2015 5,581,503

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 10,190,213
2012 10,177,300
2013 10,162,921
2014 10,627,448
2015 10,644,842

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 1,120,489
2012 1,138,071
2013 1,155,403
2014 1,172,458
2015 1,189,197

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 4,483,804
2012 4,480,043
2013 4,475,611
2014 4,470,534
2015 4,464,844

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 4,576,562
2012 4,636,348
2013 4,695,942
2014 4,755,234
2015 4,814,144

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 44,725,543
2012 45,239,079
2013 45,745,783
2014 46,245,297
2015 46,736,728

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 1,336,718,015
2012 1,343,239,923
2013 1,349,585,838
2014 1,355,692,576
2015 1,367,485,388

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 16,888,760
2012 17,067,369
2013 17,216,945
2014 17,363,894
2015 17,508,260

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 34,030,589
2012 34,300,083
2013 34,568,211
2014 34,834,841
2015 35,099,836

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 7,093,635
2012 7,037,935
2013 6,981,642
2014 6,924,716
2015 7,186,893

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 203,429,773
2012 205,716,890
2013 201,009,622
2014 202,656,788
2015 204,259,812

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 68,679
2012 69,080
2013 69,467
2014 69,839
2015 70,196

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 10,431,477
2012 10,438,353
2013 10,444,268
2014 10,449,361
2015 11,323,973

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 158,570,535
2012 161,083,804
2013 163,654,860
2014 166,280,712
2015 168,957,745

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 1,214,705
2012 1,248,348
2013 1,281,332
2014 1,314,089
2015 1,346,613

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 313,312
2012 316,182
2013 319,031
2014 321,834
2015 324,597

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 8,217,280
2012 8,219,743
2013 8,221,646
2014 8,223,062
2015 8,665,550

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 21,766,711
2012 22,015,576
2013 22,262,501
2014 22,507,617
2015 22,751,014

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 41,769,726
2012 42,192,494
2013 42,610,981
2014 43,024,374
2015 43,431,886

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Population, 2011-2015 (1)

Year Population
2011 34,994,937
2012 35,406,303
2013 38,087,812
2014 38,813,722
2015 39,542,166

(1) Estimated.

Source: U.S. Central Intelligence Agency.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $1,414
Life premiums 1,583
Total premiums $2,997
Percent of total world premiums 0.07%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $7,382
Life premiums 119
Total premiums $7,500
Percent of total world premiums 0.16%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $837
Life premiums 428
Total premiums $1,265
Percent of total world premiums 0.03%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $763,766
Life premiums 552,506
Total premiums $1,316,271
Percent of total world premiums 28.9%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $105,685
Life premiums 214,492
Total premiums $320,176
Percent of total world premiums 7.03%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $7,657
Life premiums 2,436
Total premiums $10,093
Percent of total world premiums 0.22%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $1,241
Life premiums 98
Total premiums $1,339
Percent of total world premiums 0.03%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $9,779
Life premiums 1,361
Total premiums $11,140
Percent of total world premiums 0.24%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $679
Life premiums 144
Total premiums $823
Percent of total world premiums 0.02%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $782
Life premiums 365
Total premiums $1,146
Percent of total world premiums 0.03%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $7,063
Life premiums 14,619
Total premiums $21,682
Percent of total world premiums 0.48%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $16,352
Life premiums 79,627
Total premiums $95,979
Percent of total world premiums 2.11%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $27,372
Life premiums $33,916
Total premiums 61,289
Percent of total world premiums 1.35%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $9,241
Life premiums 24,261
Total premiums $33,502
Percent of total world premiums 0.74%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $508
Life premiums 383
Total premiums $892
Percent of total world premiums 0.02%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $32,947
Life premiums 28,368
Total premiums $61,315
Percent of total world premiums 1.35%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $55,402
Life premiums 98,218
Total premiums $153,620
Percent of total world premiums 3.37%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $8,432
Life premiums 37,526
Total premiums $4,558
Percent of total world premiums 1.01%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $1,564
Life premiums 628
Total premiums $2,192
Percent of total world premiums 0.05%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $1,218
Life premiums 980
Total premiums $2,198
Percent of total world premiums 0.05%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $11,746
Life premiums $16,258
Total premiums $28,004
Percent of total world premiums 0.61%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $587
Life premiums 165
Total premiums $753
Percent of total world premiums 0.02%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $9,634
Life premiums 256
Total premiums $9,891
Percent of total world premiums 0.22%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $14,672
Life premiums 2,129
Total premiums $16,801
Percent of total world premiums 0.37%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $1,710
Life premiums 427
Total premiums $2,137
Percent of total world premiums 0.05%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $2,761
Life premiums 72
Total premiums $2,833
Percent of total world premiums 0.06%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $175,737
Life premiums 210,763
Total premiums $386,500
Percent of total world premiums 8.49%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $4,684
Life premiums 9,579
Total premiums $14,263
Percent of total world premiums 0.31%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $8,287
Life premiums 5,857
Total premiums $14,144
Percent of total world premiums 0.31%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $1,539
Life premiums 4,010
Total premiums $5,550
Percent of total world premiums 0.12%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $1,886
Life premiums 1,729
Total premiums $3,616
Percent of total world premiums 0.08%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $1,066
Life premiums 334
Total premiums $1,400
Percent of total world premiums 0.03%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $731
Life premiums 1,451
Total premiums $2,182
Percent of total world premiums 0.05%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $1,008
Life premiums 116
Total premiums $1,124
Percent of total world premiums 0.02%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $8,254
Life premiums 11,610
Total premiums $19,864
Percent of total world premiums 0.44%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $974
Life premiums 446
Total premiums $1,420
Percent of total world premiums 0.03%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $7,800
Life premiums 1,599
Total premiums $9,399
Percent of total world premiums 0.21%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $62,810
Life premiums 17,785
Total premiums $80,595
Percent of total world premiums 1.77%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $282
Life premiums 634
Total premiums $917
Percent of total world premiums 0.02%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $2,038
Life premiums 1,084
Total premiums $3,122
Percent of total world premiums 0.07%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $13,763
Life premiums 11,462
Total premiums $25,225
Percent of total world premiums 0.55%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $1,990
Life premiums 1,335
Total premiums $3,325
Percent of total world premiums 0.07%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $4,762
Life premiums 9,588
Total premiums $14,351
Percent of total world premiums 0.32%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $296
Life premiums 942
Total premiums $1,237
Percent of total world premiums 0.03%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $3,529
Life premiums 23,272
Total premiums $26,801
Percent of total world premiums 0.59%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2010

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $388
Life premiums 207
Total premiums $595
Percent of total world premiums 0.01%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 2/2011.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $1,047
Life premiums 2,364
Total premiums $3,411
Percent of total world premiums 0.07%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $1,066
Life premiums 455
Total premiums $1,521
Percent of total world premiums 0.03%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $874
Life premiums 174
Total premiums $1,048
Percent of total world premiums 0.02%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $1,133
Life premiums 664
Total premiums $1,797
Percent of total world premiums 0.04%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $939
Life premiums 248
Total premiums $1,188
Percent of total world premiums 0.03%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $692
Life premiums 85
Total premiums $778
Percent of total world premiums 0.02%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $105,891
Life premiums 343,816
Total premiums $449,707
Percent of total world premiums 9.88%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $40,189
Life premiums 124,848
Total premiums $165,037
Percent of total world premiums 3.62%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $7,195
Life premiums 8,099
Total premiums $15,295
Percent of total world premiums 0.34%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $7,759
Life premiums 47,416
Total premiums $55,175
Percent of total world premiums 1.21%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $7,052
Life premiums 825
Total premiums $7,877
Percent of total world premiums 0.17%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $3,916
Life premiums 11,013
Total premiums $14,930
Percent of total world premiums 0.33%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $15,101
Life premiums 56,675
Total premiums $71,776
Percent of total world premiums 1.58%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $1,379
Life premiums 1,602
Total premiums $2,981
Percent of total world premiums 0.07%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $4,494
Life premiums 41,255
Total premiums $45,748
Percent of total world premiums 1.00%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $2,244
Life premiums 1,899
Total premiums $4,143
Percent of total world premiums 0.09%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $116,538
Life premiums 96,725
Total premiums $213,263
Percent of total world premiums 4.68%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $80,402
Life premiums 150,143
Total premiums $230,545
Percent of total world premiums 5.06%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $5,014
Life premiums 22,233
Total premiums $27,246
Percent of total world premiums 0.60%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2010

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $364
Life premiums 188
Total premiums $552
Percent of total world premiums 0.01%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 2/2011.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $1,120
Life premiums 988
Total premiums $2,108
Percent of total world premiums 0.05%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $1,878
Life premiums $355
Total premiums $2,232
Percent of total world premiums 0.05%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $709
Life premiums 91
Total premiums $800
Percent of total world premiums 0.02%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $10,495
Life premiums 19,887
Total premiums $30,383
Percent of total world premiums 0.67%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $3,699
Life premiums 2,537
Total premiums $6,236
Percent of total world premiums 0.14%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $471
Life premiums 335
Total premiums $806
Percent of total world premiums 0.02%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $844
Life premiums 426
Total premiums $1,270
Percent of total world premiums 0.03%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $921
Life premiums 135
Total premiums $1,056
Percent of total world premiums 0.02%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $5,525
Life premiums 2,319
Total premiums $7,844
Percent of total world premiums 0.17%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $4,380
Life premiums 6,946
Total premiums $11,326
Percent of total world premiums 0.25%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $65,637
Life premiums 49,331
Total premiums $114,968
Percent of total world premiums 2.52%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $881
Life premiums 188
Total premiums $1,069
Percent of total world premiums 0.02%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $31,986
Life premiums 37,106
Total premiums $69,091
Percent of total world premiums 1.52%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $15,824
Life premiums 17,253
Total premiums $33,078
Percent of total world premiums 0.73%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $390
Life premiums 1,082
Total premiums $1,473
Percent of total world premiums 0.03%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $593
Life premiums 153
Total premiums $746
Percent of total world premiums 0.02%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2014

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $563
Life premiums 161
Total premiums $724
Percent of total world premiums 0.02%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 4/2015.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $11,893
Life premiums 7,509
Total premiums $19,402
Percent of total world premiums 0.43%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $26,924
Life premiums 43,663
Total premiums $70,587
Percent of total world premiums 1.55%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $15,882
Life premiums 3,527
Total premiums $19,410
Percent of total world premiums 0.43%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Life And Nonlife Insurance Premiums, 2015

(U.S. $ millions)
  Direct premiums written
Nonlife premiums (1) $1,162
Life premiums 100
Total premiums $1,262
Percent of total world premiums 0.03%

(1) Includes accident and health insurance.

Source: Swiss Re, sigma, No. 3/2016.

Leading Life Insurance Companies, 2013

  Gross written premiums
Company VND Mn USD Mn
Prudential 7,566,441.0 363.3
Bao Viet Life 6,316,194.0 303.3
Manulife 2,634,099.0 126.5
Dai-ichi 1,857,292.0 89.2
AIA 1,757,136.0 84.4
ACE Life 1,147,363.0 55.1
PVI – Sun Life 1,024,885.0 49.2
Prevoir 382,933.0 18.4
Hanwha 277,500.0 13.3
Cathay Life 92,435.0 4.4

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2015

  Gross written premiums
Company VEF Mn USD Mn
Caracas de Liberty Mutual  57,353.1 9,126.6
Mercantil  39,016.8 6,208.7
Horizonte  33,095.9 5,266.5
MAPFRE La Seguridad  18,346.8 2,919.5
Previsora  17,339.0 2,759.1
Occidental  17,166.9 2,731.8
Piramide  15,550.9 2,474.6
Altamira  11,618.3 1,848.8
Universitas  11,477.3 1,826.4
Estar  11,197.1 1,781.8

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2014

  Gross written premiums
Company GBP Mn USD Mn
Standard Life  10,963.6 18,040.2
Prudential  8,140.4 13,394.7
Lloyds Banking Group  8,136.0 13,387.6
Aviva plc  7,512.8 12,362.1
Legal & General  6,201.6 10,204.6
FIL Ltd  4,812.5 7,918.8
Zurich Financial Services  4,637.1 7,630.2
Friends Life  4,632.8 7,623.2
Royal London Mutual  4,100.5 6,747.3
Aegon NV  3,957.3 6,511.7

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2014

  Gross written premiums
Company UAH Mn USD Mn
UNIQA Life 387.8 32.6
MetLife 319.3 26.9
Renaissance Life 260.0 21.9
TAS 209.5 17.6
Aska Life 183.4 15.4
GRAWE Ukraine Life Insurance 172.1 14.5
PZU Ukraine Life Insurance 154.3 13.0
Aegon Life Ukraine 143.9 12.1
Jupiter Life Insurance VIG 48.0 4.0
Illichivske 20.6 1.7

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2015

  Gross written premiums
Company TRY Mn USD Mn
Ziraat Hayat ve Emeklilik  630.5 231.8
Acibadem Saglik ve Hayat  522.4 192.0
Allianz Yasam ve Emeklilik  440.7 162.0
Anadolu Hayat Emeklilik  402.6 148.0
Garanti Emeklilik  328.8 120.9
MetLife Emeklilik ve Hayat  321.1 118.1
Halk Hayat ve Emeklilik  317.8 116.8
AvivaSA  263.5 96.9
Cigna Finans Emeklilik ve Hayat  254.1 93.4
Vakif Emeklilik  243.7 89.6

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2015

  Gross written premiums
Company TND Mn USD Mn
Attijari Assurances  47.6 24.3
Maghrebia Assurances Vie  SA 41.6 21.2
Hayett Assurances  38.6 19.7
Compagnie d'Assurances et de Reassurances Tuniso-Europeen ne VIE 29.0 14.8
BIAT Assurances  27.5 14.0
ASTREE Assurances  24.6 12.5
Caisse Tunisienne d'assurances Mutulles Agricoles 23.0 11.7
SALIM Assurances 21.6 11.0
GAT Vie Assurances  13.4 6.9
STAR 6.7 3.4

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2014

  Gross written premiums
Company TTD Mn USD Mn
Sagicor Life   519.1 81.0
Guardian Life 442.4 69.0
ScotiaLife  384.5 60.0
PALIG  290.0 45.3
Maritime Life  194.2 30.3
CUNA Caribbean 161.8 25.2
TATIL Life  118.9 18.6
Beacon  83.6 13.0

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2015

  Gross written premiums
Company THB Mn USD Mn
AIA  115,709.3 3,393.2
Muang Thai Life  87,880.4 2,577.1
Thai Life Insurance  68,375.9 2,005.2
Krungthai Axa Life  54,691.4 1,603.9
Siam Commercial New York Life  52,970.7 1,553.4
Bangkok Life  44,840.2 1,315.0
Ayudhya Allianz CP  28,548.9 837.2
Prudential Life  17,426.5 511.0
Fwd Life  17,108.0 501.7
Ocean Life  13,939.6 408.8

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2015

  Gross written premiums
Company TWD Mn USD Mn
Cathay Life  645,191.6 20,219.1
Fubon Life  474,416.6 14,867.3
Nan Shan Life  442,629.9 13,871.2
Shin Kong Life  227,786.4 7,138.4
China Life  162,158.4 5,081.7
Chunghwa Post  150,853.8 4,727.5
Mercuries Life  137,269.8 4,301.8
CTBC Life  136,214.9 4,268.7
Allianz Taiwan Life  94,807.7 2,971.1
TransGlobe Life  78,467.6 2,459.0

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2014

  Gross written premiums
Company CHF Mn USD Mn
Swiss Life AG  9,508.7 10,379.0
AXA Leben AG  9,237.2 10,082.6
Helvetia Schweizerische Lebensversicherungsgesellschaft 3,468.0 3,785.4
Basler Leben AG  3,173.1 3,463.5
Allianz Suisse Lebensversicherungs-Gesellschaft AG 2,016.5 2,201.1
Zurich Lebensversicherungs-Gesellschaft 1,637.6 1,787.5
Generali Personenversicherungen AG 1,253.5 1,368.2
Schweizerische Mobiliar Lebensversicherungs-Gesellschaft 818.4 893.3
Pax, Schweizerische Lebensversicherungs-Gesellschaft 770.0 840.4
Vaudoise Vie, Compagnie d'assurances SA 280.4 306.1
Schweizerische National Leben AG 218.5 238.5

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2015

  Gross written premiums
Company SEK Mn USD Mn
Alecta  33,452.9 3,966.0
AMF Pension  19,010.5 2,253.8
Skandia Livforsakring  18,991.5 2,251.6
Nordea Livforsakring  15,925.7 1,888.1
Swedbank Forsakring  13,862.1 1,643.4
Avanza  12,916.7 1,531.4
Folksam Liv  12,439.5 1,474.8
KPA Pensionforsakring 11,904.3 1,411.3
SEB Pension  10,993.8 1,303.4
Handelsbanken  9,886.4 1,172.1

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2015

  Gross written premiums
Company LKR Mn USD Mn
Ceylinco  13,456.8 99.1
Sri Lanka Insurance Corporation  10,367.5 76.3
AIA  8,433.3 62.1
UAL  6,964.4 51.3
Asian Life  4,091.0 30.1
HNBA  2,788.7 20.5
Janashakthi  2,536.3 18.7
LOLC  1,209.6 8.9
Amana Life  928.3 6.8
Allianz Life  919.1 6.8

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2015

  Gross written premiums
Company EUR Mn USD Mn
VidaCaixa  7,165.8 7,950.4
Bansabadell Vida  2,842.9 3,154.2
BBVA Seguros  1,382.2 1,533.5
MAPFRE Vida  1,186.3 1,316.2
Ibercaja Vida  989.9 1,098.3
Allianz  815.5 904.8
Generali  795.5 882.6
Santander Seguros  678.0 752.2
AXA Aurora Vida  646.3 717.1
Rural Vida  580.6 644.2

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2015

  Gross written premiums
Company KRW Mn USD Mn
Samsung  27,457,124.8 24,273.5
Hanwha  14,959,951.0 13,225.4
Kyobo  12,609,281.8 11,147.2
Nonghyup  10,526,257.9 9,305.7
Mirae Asset  6,173,460.6 5,457.7
Heungkuk  5,633,452.6 4,980.3
Shinhan  5,011,356.8 4,430.3
ING  4,499,512.8 3,977.8
Tong Yang  4,230,171.1 3,739.7
MetLife  3,411,440.1 3,015.9

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2014

  Gross written premiums
Company ZAR Mn USD Mn
Old Mutual Life  64,757.0 5,966.9
MMI Group  51,102.8 4,708.8
Investec Assurance Limited  50,140.3 4,620.1
Sanlam Life Insurance Limited  48,029.4 4,425.6
Liberty  46,869.2 4,318.7
Investment Solutions  36,752.7 3,386.5
Discovery Life  14,374.9 1,324.6
Allan Gray  13,909.4 1,281.7
Coronation Life  12,851.9 1,184.2
Absa Life  6,719.0 619.1

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2015

  Gross written premiums
Company EUR Mn USD Mn
Triglav 174.7 193.9
Modra  78.9 87.6
Maribor 72.3 80.2
NLB Vita  60.4 67.0
Adriatic Slovenica 60.2 66.8
Merkur  38.1 42.2
Generali  27.1 30.0
GRAWE  20.0 22.2
Wiener Staedtische  17.8 19.8
Tilia  8.0 8.8

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2013

  Gross written premiums
Company EUR Mn USD Mn
KOOPERATIVA 258.5 343.2
Allianz Slovenska 245.3 325.7
KOMUNALNA 110.8 147.1
Generali 80.1 106.3
ING 79.1 105.0
Poistovna Slovenskej sporitelne 69.3 92.0
CSOB 54.1 71.9
AEGON 38.2 50.7
Wustenrot 37.8 50.2
UNIQA 33.0 43.9

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2014

  Gross written premiums
Company SGD USD Mn
AIA Singapore  5,000.3 3,946.4
Prudential  4,643.8 3,665.1
Great Eastern Life  3,934.9 3,105.5
NTUC Income  2,239.8 1,767.7
Aviva Ltd  1,791.4 1,413.8
Tokio Marine Life  1,202.0 948.7
OAC  1,020.8 805.6
Manulife  834.6 658.7
HSBC Insurance  832.2 656.8
AXA Life Singapore  456.3 360.1

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2014

  Gross written premiums
Company RSD Mn USD Mn
Generali Osiguranje 4,758.0 53.8
Wiener 3,300.8 37.3
GRAWE 2,861.5 32.4
UNIQA Zivot 1,492.0 16.9
Dunav 1,354.5 15.3
Merkurusig 791.1 9.0
DDOR 675.9 7.7
Societe Generale 350.4 4.0
Sava Zivotno 124.7 1.4
AXA Zivot 115.1 1.3

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2015

  Gross written premiums
Company RUB Mn USD Mn
Sberbank Strakhovanie Zhizni  43,914.8 720.7
Rosgosstrakh-Zhizn  20,175.1 331.1
Alfastrakhovanie-Zhizn  13,273.1 217.8
Renessans Zhizn  12,265.7 201.3
CiV Life  6,629.9 108.8
VTB Life Insurance  6,467.2 106.1
Raiffeisen Life  3,784.2 62.1
MetLife  3,702.2 60.8
Opening of Life Insurance  2,985.0 49.0
Generali PPF Life Insurance  2,723.7 44.7

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2014

  Gross written premiums
Company RON Mn USD Mn
NN Life Insurance  613.9 90.3
Metropolitan  262.2 38.6
BCR Vienna Life Insurance  143.8 21.2
ASIROM Vienna Insurance Group  97.7 14.4
Allianz-Tiriac Insurance  97.2 14.3
Generali Insurance  78.3 11.5
BRD Life Insurance  77.8 11.4
Eurolife ERB  74.0 10.9
GRAWE Insurance Romania  47.1 6.9
Groupama Insurance  43.4 6.4

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2014

  Gross written premiums
Company EUR Mn USD Mn
Fidelidade  3,021.6 4,008.9
BPI Vida e Pensoes  2,201.9 2,921.4
GNB-Vida  1,362.9 1,808.2
Ocidental Vida  1,352.4 1,794.3
Santander Totta Vida  451.4 598.9
CA Vida  350.0 464.3
Eurovida  272.6 361.7
Allianz  246.8 327.4
Lusitania-Vida  166.1 220.4
CNP Barclays Vida e Pensiones  150.3 199.5

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2015

  Gross written premiums
Company PLN Mn USD Mn
PZU Zycie  8,064.0 2,139.3
Aviva  2,213.7 587.3
Metlife  1,913.7 507.7
Open Life  1,766.7 468.7
TUnZ Warta  1,647.3 437.0
STUnZ Ergo Hestia  1,640.2 435.1
ING TUnZ  1,407.5 373.4
Generali Zycie  1,381.3 366.4
AXA Zycie  1,266.6 336.0
PKO Bank Polski SA  1,069.6 283.7

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2015

  Gross written premiums
Company PHP Mn USD Mn
Sun Life of Canada (Phillipines) 32,811.2 721.1
Philippine AXA Life Insurance Corp. 22,820.9 501.5
Philippine American Life & General Insurance 21,169.8 465.2
BPI Philam Life Assurance Corp  20,798.9 457.1
Pru Life Insurance Corp of UK  19,809.8 435.4
Manufacturers Life Ins Co  13,919.4 305.9
lnsular Life Assce Co  12,653.8 278.1
SunLife Grepa Financial  10,145.9 223.0
Generali Pilipinas Life Assce Co  6,364.1 139.9
PNB Life lnsurance  5,833.0 128.2

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2015

  Gross written premiums
Company PEN Mn USD Mn
Rimac  1,320.6 414.0
El Pacifico Vida  1,286.7 403.3
Interseguro  833.4 261.2
La Positiva Vida  605.8 189.9
Seguros Sura  520.3 163.1
MAPFRE Peru Vida 446.5 140.0
Protecta  165.0 51.7
Ohio National Vida  135.0 42.3
Vida Camara  131.8 41.3
Cardif  117.0 36.7

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2014

  Gross written premiums
Company PAB Mn; USD Mn
Internacional de Seguros 122.0 122.0
Pan American Life Insurance de Panama 95.5 95.5
ASSA 84.4 84.4
MAPFRE 83.1 83.1
World Wide Medical Assurance 42.9 42.9
Assicurazioni Generali 42.9 42.9
Seguros Banistmo 22.9 22.9
Aseguradora Ancon 15.8 15.8
Suramericana 15.6 15.6
Empresa General de Seguros 14.9 14.9

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2014

  Gross written premiums
Company PKR Mn USD Mn
State Life 76,342.0 755.1
Jubilee Life 21,823.4 215.9
EFU Life 18,219.9 180.2
Adamjee Life 5,215.0 51.6
IGI Life 2,535.2 25.1
AsiaCare Health 341.5 3.4
East West Life 225.0 2.2

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2015

  Gross written premiums
Company OMR Mn USD Mn
MetLife Alico Insurance 8.7 22.6
Falcon Insurance 6.7 17.5
Dhofar Insurance 6.0 15.6
National Life Insurance 5.9 15.3
AXA Insurance 4.5 11.7
Vision Insurance 4.5 11.6
Oman United Insurance 3.3 8.6
Oman Insurance 3.3 8.5
Life Insurance Corporation 2.3 5.9
Oman Qatar Insurance 1.7 4.4

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2014

  Gross written premiums
Company NOK Mn USD Mn
KLP 29,543.1 3,642.8
DNB Livsforsikring 17,683.4 2,180.4
Storebrand Livsforsikring 15,881.4 1,958.3
Nordea Liv 11,375.7 1,402.7
SpareBank 1 4,111.4 507.0
Oslo Pensjonsforsikring 4,084.6 503.7
Gjensidige Pensjon 2,145.7 264.6
Danica Pensjonsforsikring 1,699.3 209.5
Gjensidige Forsikring 1,534.9 189.3
Frende Livsforsikring 710.9 87.7

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2014

  Gross written premiums
Company  NGN Mn    USD Mn  
Leadway Assurance Co Ltd. 21,169.9 133.7
AIICO Insurance Plc  11,680.3 73.7
Niger Insurance Plc  8,652.6 54.6
FBN LIFE  7,109.4 44.9
African Alliance Insurance Co Ltd  5,618.9 35.5
Mutual Benefit Life Assurance Co Ltd  3,812.7 24.1
Standard Alliance Life Assurance Co Ltd. 2,994.4 18.9
Capital Express Insurance Co Ltd  2,869.1 18.1
Royal Prudential Life Assurance Plc 2,639.4 16.7
Custodian Life Assurance  2,517.1 15.9

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2013

  Gross written premiums
Company NZD Mn USD Mn
Sovereign Assurance  590.3 484.1
AMP Financial Services  437.1 358.4
Fidelity Life Assurance  206.8 169.6
Asteron Life  192.7 158.0
OnePath  169.4 138.9
Westpac Life lnsurance  117.6 96.4
AlA New Zealand  95.9 78.6
BNZ Life  84.4 69.2
CIGNA Life Insurance 80.7 66.2
Partners Life  70.1 57.5

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2014

  Gross written premiums
Company EUR Mn USD Mn
AEGON Levensverzekering NV 3,557.3 4,719.6
Nationale-Nederlan den Levensverzekering Maatschappij NV 2,903.7 3,852.4
SRLEV NV 2,330.5 3,092.0
Achmea Pensioen-en-Levensverzekeringe n NV 2,200.6 2,919.6
Delta Lloyd Levensverzekering NV 1,620.1 2,149.5
ASR Levensverzekering NV 1,530.9 2,031.1
Dela Natura- en Levensverzekeringe n NV 339.7 450.7
ABN AMRO Levensverzekering NV 319.5 423.8
Allianz Nederland Levensverzekering NV 251.4 333.5
Legal & General Nederland 248.6 329.8

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2009

  Gross written premiums
Company NAD Mn USD Mn
OMLAC 1,798.7 212.3
Sanlam Life Namibia 751.0 88.6
Metropolitan 488.7 57.7
Sanlam Namibia 458.1 54.1
Investment Solutions 331.4 39.1
Momentum 183.0 21.6
Prosperity 74.9 8.8
PPS 60.7 7.2
Namlife 60.3 7.1
Trustco Life 44.3 5.2

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2015

  Gross written premiums
Company MAD Mn USD Mn
Wafa Assurance 3,422.4 350.5
RMA Watanya 2,672.9 273.7
Marocaine Vie 1,277.3 130.8
AXA Assurance Maroc 1,092.1 111.8
MCMA 1,055.0 108.0
SAHAM Assurance 362.8 37.2
SANAD 237.0 24.3
Atlanta 209.9 21.5
Mutuelle Taamine Chaabi 209.6 21.5
Zurich 21.9 2.3

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2015

  Gross written premiums
Company MXN Mn USD Mn
MetLife Mexico 53,467.5 3,373.7
GNP 31,380.6 1,980.1
Banamex 22,119.0 1,395.7
Monterrey New York Life 20,895.0 1,318.4
AXA Seguros 15,445.2 974.6
BBVA Bancomer 14,936.6 942.5
Banorte 7,747.6 488.9
Pensiones BBVA Bancomer 7,509.4 473.8
Pensiones Banorte 7,241.2 456.9
Inbursa 7,111.6 448.7

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2005

  Gross written premiums
Company MTL Mn USD Mn
Middlesea Valletta 39.3 113.6
HSBC Life 17.0 49.1
GlobalCapital 3.8 11.0
Middlesea Insurance 0.6 1.7
Citadel 0.3 0.9

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2014

  Gross written premiums
Company  MYR Mn    USD Mn  
AIA Bhd  7,190.4 2,197.0
Great Eastern Life Assurance (Malaysia) Bhd  6,779.4 2,071.4
Prudential Assurance Malaysia Bhd  5,445.7 1,663.9
Hong Leong Assurance Bhd  2,367.0 723.2
Allianz Life Insurance Malaysia Bhd  1,833.8 560.3
Etiqa Insurance Bhd  1,227.9 375.2
Tokio Marine Insurance Malaysia Bhd  1,070.5 327.1
Manulife Insurance Bhd  779.0 238.0
Zurich Insurance Malaysia Bhd  767.6 234.5
MCIS Insurance Bhd  564.2 172.4

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2015

  Gross written premiums
Company BGN Mn USD Mn
Allianz Bulgaria Life  103.7 58.8
Bulstrad Life VIG  66.6 37.8
UNIQA Life  54.6 30.9
DZI Life  47.3 26.8
UBB-Metlife  37.0 21.0
GRAWE Bulgaria Life  26.2 14.9
SyVZK  17.0 9.6
Sogelife  10.2 5.8
Groupama Life  9.8 5.6
Generali Life  8.0 4.5

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2014

  Gross written premiums
Company EUR Mn USD Mn
Cardif Lux Vie  352.6 467.8
Sogelife  297.3 394.4
Foyer Vie  211.5 280.6
Swiss Life (Luxembourg)  180.5 239.5
La Luxembourgoise Vie  141.4 187.5
Natixis Life  138.6 183.8
Allianz Life Luxembourg  137.8 182.8
Baloise Vie Luxembourg  115.3 153.0
La Mondiale Europartner  85.1 112.9
AXA Assurances Vie Luxembourg  71.8 95.3

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2015

  Gross written premiums
Company LTL Mn  USD Mn  
Aviva Lietuva  52.3 56.5
Swedbank Elu  50.0 54.0
SEB gyvybes  46.2 49.9
Compensa Life Vienna  30.0 32.4
ERGO Lietuva gyvybes 27.4 29.6
Mandatum Life  21.1 22.8
PZU Lietuva gyvybes  10.3 11.1
Bonum Publicum  6.2 6.7
AMPLICO Life  0.8 0.9

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2014

  Gross written premiums
Company KWD Mn USD Mn
Gulf Life Insurance Company 52.1 183.1
Warba Insurance Company 12.2 42.8
MetLife Alico Insurance 11.2 39.3
Al Ahleia Insurance Company 7.3 25.6
Kuwait Insurance 6.8 24.0
Boubyan Takaful Insurance 6.1 21.4
Al Muthanna Takaful Insurance 5.5 19.5
United Insurance 2.5 8.7
National Takaful Insurance 1.2 4.1
Enaya Insurance 1.1 3.9

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2015

  Gross written premiums
Company  KES Mn    USD Mn  
Britam  12,159.1 123.9
Jubilee  8,979.4 91.5
ICEA Lion Life  8,243.6 84.0
Pan Africa  4,903.7 50.0
Liberty Life  4,682.5 47.7
Pioneer  4,182.2 42.6
CIC Life  3,441.6 35.1
Kenindia  3,283.9 33.5
Madison  2,408.8 24.5
UAP Life  2,156.7 22.0

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2015

  Gross written premiums
Company KZT Mn USD Mn
PPF Insurance  13,585.9 69.4
Halyk-Life  10,848.9 55.4
NOMAD Life  8,445.3 43.1
Kazkommerts-Life 6,097.5 31.1
State Annuity Company  3,592.8 18.3
Grandes  3,187.9 16.3
Asia Life  1,399.1 7.1

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2014

  Gross written premiums
Company JOD Mn USD Mn
Jordan Insurance  13.4 18.8
AL-Nisr Al-Arabi Insurance  12.8 18.0
MetLife Alico  11.0 15.5
Islamic Insurance  4.2 5.9
Middle East Insurance  4.1 5.8
Arabia Insurance – Jordan  1.5 2.1
Jordan French Insurance  1.4 2.0
United Insurance  1.3 1.8
Euro Arab Insurance Group  0.8 1.1
Arab Life & Accidents Insurance 0.6 0.9

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2014

  Gross written premiums
Company JPY Mn USD Mn
Nippon  5,335,722.0 50,363.1
Japan Post  4,257,697.0 40,187.8
Meiji Yasuda  3,400,185.0 32,093.9
Dai-ichi  3,265,016.0 30,818.0
Sumitomo  2,575,476.0 24,309.6
Dai-ichi Frontier  1,715,580.0 16,193.1
Aflac  1,495,218.0 14,113.2
MetLife Alico  1,444,668.0 13,636.0
Mitsui Sumitomo Primary  1,054,048.0 9,949.0
Gibraltar  1,002,293.0 9,460.5

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2014

  Gross written premiums
Company JMD Mn   USD Mn  
Sagicor Life Jamaica  13,268.9 119.6
Guardian Life  7,107.6 64.1
Scotia Life Jamaica  6,191.9 55.8
NCB Insurance  2,955.1 26.6

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2015

  Gross written premiums
Company EUR Mn USD Mn
Poste Vita  18,145.4 20,132.3
Intesa Sanpaolo Vita  15,086.6 16,738.5
Generali Italia  7,708.5 8,552.6
Genertellife  7,176.0 7,961.7
Fideuram Vita  6,599.5 7,322.1
CreditRas Vita  5,715.9 6,341.7
Mediolanum Vita  4,844.3 5,374.8
Alleanza Assicurazioni  4,495.7 4,988.0
BNP Paribas Cardif Vita  4,105.1 4,554.6
Credit Agricole Vita  3,693.6 4,098.1

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2014

  Gross written premiums
Company  ILS Mn  USD Mn  
Migdal  8,414.0 2,351.6
Harel  5,825.0 1,628.0
Clal  5,262.0 1,470.7
Phoenix  5,042.0 1,409.2
Menora Mivtachim  3,697.0 1,033.3
Hachsharah  1,258.0 351.6
Ayalon  578.0 161.6
IDI  222.0 62.1
Pesagot  160.0 44.7
AIG  104.0 29.1

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2013

  Gross written premiums
Company EUR Mn USD Mn
Irish Life 4,765.7 6,327.6
Zurich Life Assurance 1,500.0 1,991.7
New Ireland 1,486.1 1,973.2
Standard Life 1,141.2 1,515.2
Aviva Life & Pensions 573.7 761.8
Canada Life Ass. (Ireland) 328.8 436.5
Friends First Man. Pen. Funds 253.3 336.3
Ark 114.0 151.4
Friends' First Life Ass. Co. 111.6 148.2
The Royal London Mutual Society 72.0 95.5

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2014

  Gross written premiums
Company  IDR Mn   USD Mn
Prudential Life Assurance  24,503,706.0 2,065.2
Allianz Life Indonesia  10,211,490.0 860.6
Axa Mandiri Financial Services  8,274,872.0 697.4
Indolife Pensiontama  7,738,305.0 652.2
Jiwa Sinar Mas MSIG  7,153,761.0 602.9
AIA Financial  6,657,291.0 561.1
Jiwasraya (Persero)  6,364,238.0 536.4
Jiwa Bersama Bumiputera 1912  5,282,517.0 445.2
Jiwa Manulife Indonesia  4,022,722.0 339.0
Panin Life  3,684,457.0 310.5

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2015

  Gross written premiums
Company INR Mn USD Mn
LIC  2,396,676.5 37,042.9
ICICI Prudential  153,066.2 2,365.8
HDFC Standard  148,299.0 2,292.1
SBI Life  128,671.1 1,988.7
Max Life  81,716.2 1,263.0
Bajaj Allianz  60,173.0 930.0
Birla Sun Life  52,332.2 808.8
Reliance  46,210.8 714.2
Kotak Mahindra  30,380.5 469.6
PNB MetLife  24,611.9 380.4

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2015

  Gross written premiums
Company HUF Mn USD Mn
NN (ING)  79,616.4 285.0
Hungarian Post Life (MPE)  49,779.1 178.2
Groupama Garancia  43,278.6 154.9
Generali  42,587.5 152.5
AEGON  39,530.3 141.5
Allianz  35,532.2 127.2
UNIQA  27,269.2 97.6
MetLife  19,203.7 68.8
K&H  17,543.1 62.8
Erste  16,701.5 59.8

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2015

  Gross written premiums
Company HDK Mn USD Mn
Prudential (HK) Life  46,633.5 6,009.5
AIA International  45,977.1 5,924.9
HSBC Life  42,513.0 5,478.5
China Life  33,304.6 4,291.8
Manulife (Int'l)  24,085.3 3,103.8
BOC Group Life  22,662.6 2,920.4
AXA China (Bermuda)  17,740.4 2,286.1
Hang Seng Insurance  13,156.9 1,695.5
FWD Life  10,461.8 1,348.2
Transamerica Life (Bermuda)  7,391.2 952.5

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2013

  Gross written premiums
Company EUR Mn USD Mn
Ethniki 378.7 502.8
Eurolife ERB Life 271.4 360.3
ING Life 239.8 318.4
MetLife ALICO Life 215.5 286.1
Interamerican Life 178.4 236.9
Allianz Hellas 97.8 129.9
Generali Hellas 64.0 85.0
AXA 60.1 79.8
Groupama Phoenix 59.3 78.7
Agrotiki 38.1 50.6

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2014

  Gross written premiums
Company EUR Mn USD Mn
Allianz Leben  18,422.0 24,441.1
R+V Lebensvers Ag  5,211.0 6,913.6
Aachenmunchen er Leb  4,961.0 6,581.9
Zurich Dtsch Herold  3,816.0 5,062.8
Debeka Leben  3,715.0 4,928.8
Generali Leben Ag  3,623.0 4,806.8
ERGO Leben Ag  3,006.0 3,988.2
AXA Leben  2,844.0 3,773.2
Bayern-Vers  2,476.0 3,285.0
Nurnbg Leben  2,339.0 3,103.2

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2013

  Gross written premiums
Company EUR Mn USD Mn
CNP 21,233.0 28,191.9
Credit Agricole 19,190.0 25,479.4
AXA 14,115.0 18,741.1
Credit Mutuel 12,282.0 16,307.3
BNP Paribas 10,269.0 13,634.6
Allianz 8,550.0 11,352.2
Societe Generale 7,704.0 10,228.9
Generali 7,527.0 9,993.9
Sgam AG2R La Mondiale 7,012.0 9,310.1
Aviva 5,602.0 7,438.0

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2014

  Gross written premiums
Company EUR Mn USD Mn
Nordea Life Assurance Finland Ltd. 2,519.0 3,342.0
OP Life Assurance Company Ltd. 1,285.0 1,704.9
Mandatum Life Insurance Company Limited  1,070.0 1,419.6
LahiTapiola Mutual Life Insurance Company  389.0 516.1
Fennia Life Insurance Company Ltd. 153.0 203.0
Aktia Life Insurance Ltd.  126.0 167.2
Sb Life Insurance Ltd. 102.0 135.3
Aurum Investment Insurance Ltd. 71.0 94.2
Kaleva Mutual Insurance Company  61.0 80.9
Suomi Mutual Life Assurance Company  43.0 57.1

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2015

  Gross written premiums
Company USD Mn
Aseguradora Agricola SA  59.7
Aseguradora Suiza Salvadorena SA  39.2
Seguros e Inversiones SA  37.4
MAPFRE La Centro Americana S A  31.7
Scotia Seguros SA  27.5
AIG Seguros El Salvador SA  17.5
Asesuisa Vida SA Seguros de Personas  12.4
Seguros del Pacifico SA  10.0
Qualitas Compania de Seguros SA  7.7
Davivienda Seguros Comerciales Bolivar  6.8

Source: Axco Insurance Information Services.

 

Leading Life Insurance Companies, 2015

  Gross written premiums
Company EGP Mn USD Mn
Misr Life  2,456.1 319.3
CIL  1,391.4 180.9
Allianz Life Insurance – Egypt  1,234.6 160.5
Pharaonic American Life  (MetLife Alico)  380.4 49.5
Egyptian Takaful  336.6 43.8
NSGB Life  274.8 35.7
Suez Canal  191.6 24.9
Delta Insurance  170.7 22.2
Tokio Marine Family  79.8 10.4
Arope Life Insurance  28.7 3.7

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2014

  Gross written premiums
Company USD Mn
Seguros De Pichincha 86.6
Equivida 56.6
Ace Seguros 29.6
Liberty Seguros 21.4
Pan-American Life Insurance 18.4
Colvida 16.8
AIG Metropolitana 14.8
Ecuatoriano Suiza 14.8
Sucre 13.3
Bmi 11.4

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2015

  Gross written premiums
Company DOP Mn USD Mn
Universal  2,614.3 58.0
Banreservas  1,665.9 37.0
MAPFRE  1,474.7 32.7
Scotia Seguros  1,001.6 22.2
Colonial  719.2 16.0
Worldwide  685.2 15.2
Vivir  343.3 7.6
SURA  340.8 7.6
CUNA Mutual  178.5 4.0
BUPA  155.1 3.4

Source: Axco Insurance Information Services.

 

Leading Life Insurance Companies, 2015

  Gross written premiums
Company DKK Mn USD Mn
PFA Pension  26,893.2 3,997.3
Danica Pension  17,982.3 2,672.8
Nordea Liv & Pension A/S  13,320.5 1,979.9
PensionDanmark  12,137.7 1,804.1
SAMPENSION KP Livforsikring  8,596.6 1,277.8
Industriens Pensionsforsikring 7,223.7 1,073.7
AP Pension  6,643.4 987.4
Topdanmark Livforsikring A/S  5,891.7 875.7

Leading Life Insurance Companies, 2015

  Gross written premiums
Company CZK Mn USD Mn
Ceska pojistovna as  8,777.2 356.8
Kooperativa pojistovna as  6,768.4 275.2
Pojistovna ceske sporitelny as  6,142.9 249.7
ING zivotni pojistovna NV pobocka pro ceskou republiku  4,407.0 179.2
Generali Pojistovna as 3,202.2 130.2
CSOB Pojistovna a s clen holdingu CSOB  3,054.9 124.2
Allianz pojistovna as  2,738.2 111.3
MetLife pojistovna as 2,190.1 89.0
Ceska podnikatelska pojistovna as  1,505.0 61.2
Komercni pojistovna as 1,402.4 57.0

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2014

  Gross written premiums
Company EUR Mn USD Mn
Eurolife 83.5 110.8
CNP Cyprialife 72.8 96.5
Universal Life 46.3 61.4
Allianz Hellas 22.8 30.3
Prime 22.7 30.1
MetLife Alico 21.9 29.0
Alpha 15.2 20.1
Hellenic Alico 10.7 14.2
Ethhniki Insurance 7.2 9.6
Minerva 1.0 1.4

Source: Axco Insurance Information Services.

Leading Nonlife And Reinsurance Companies, 2014 (1)

  Gross written premiums
Company USD Mn
ACE Group  23,390.0
XL Group plc  8,094.9
Catlin Group Limited  5,965.6
PartnerRe Ltd. 5,932.0
Arch Capital Group Ltd. 4,840.6
AXIS Capital Holdings Limited  4,711.5
Allied World Assurance Company Holdings AG  2,935.4
Aspen Insurance Holdings Limited  2,902.7
Hiscox Ltd. 2,894.3
Endurance Specialty Holdings Ltd. 2,894.1

(1) Includes life, nonlife and reinsurance.

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2015

  Gross written premiums
Company HRK Mn USD Mn
Allianz Zagreb  535.7 78.1
Croatia  513.5 74.9
Uniqa  350.1 51.0
Wiener Vienna Insurance Group  265.6 38.7
Grawe Hrvatska  254.9 37.2
Merkur  252.8 36.9
Generali  213.0 31.1
Agram Life Insurance  210.6 30.7
Erste VIG  171.4 25.0
Triglav  59.0 8.6

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2013

  Gross written premiums
Company CRC Mn USD Mn
INS 88,788.7 177.7
Pan American Life Insurance 14,341.8 28.7
Aseguradora del Istmo (ADISA) 6,008.4 12.0
MAPFRE Seguros Costa Rica 3,383.0 6.8
Seguros del Magisterio 2,130.6 4.3
ASSA Compania de Seguros 1,243.6 2.5
Atlantic Southern Insurance Company 904.3 1.8
Best Meridian Insurance Company 648.2 1.3
Aseguradora Sagicor Costa Rica 248.5 0.5
Seguros Bolivar 151.0 0.3

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2015

  Gross written premiums
Company COP Mn USD Mn
Suramericana Vida  2,529,909.1 922.7
Vidalfa SA  1,947,222.0 710.2
Bolivar Vida  921,132.9 336.0
Seguros de Riesgos Profesionales Suramericana  860,980.8 314.0
Positiva Compania de Seguros  800,675.7 292.0
AXA Colpatria Seguros de Vida SA  528,068.7 192.6
MAPFRE Colombia Vida  460,971.0 168.1
Riesgos Profesionales Colmena SA  458,892.6 167.4
Allianz Seguros de Vida  381,908.4 139.3
BBVA Seguros de Vida Colombia SA  277,607.7 101.3

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2014

  Gross written premiums
Company CNY Mn USD Mn
China Life 331,242.2 53,918.1
Ping An Life 173,994.8 28,322.1
New China Life 109,868.3 17,883.9
China Pacific Life 98,691.7 16,064.6
PICC Life 78,717.6 12,813.3
Taikang Life 67,904.4 11,053.2
Taiping Life 65,128.5 10,601.3
Anbang Life 52,887.6 8,608.8
Sino Life 36,710.7 5,975.6
China Post Life 21,952.8 3,573.4

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2015

  Gross written premiums
Company CLP Mn USD Mn
MetLife  669,850.8 1,024.0
Consorcio Nacional  549,838.1 840.6
Sura  415,786.2 635.6
BICE Vida  397,797.8 608.1
Penta Vida  349,499.4 534.3
Confuturo  339,462.3 519.0
Principal  251,106.5 383.9
Security Prevision  242,144.4 370.2
EuroAmerica  237,181.3 362.6
Chilena Consolidada  198,792.9 303.9

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2014

  Gross written premiums
Company CAD Mn USD Mn
Great-West Life Assurance Company (The) 13,609.7 12,304.2
Sun Life Assurance Company of Canada 9,743.8 8,809.1
Manufacturers Life Insurance Company (The) 8,549.0 7,728.9
Canada Life Assurance Company (The) 5,305.7 4,796.8
London Life Insurance Company 3,246.7 2,935.2
Standard Life Assurance Company of Canada (The) 1,351.1 1,221.5
RBC Life Insurance Company 1,264.7 1,143.4
BMO Life Insurance Company 1,023.7 925.5
Empire Life Insurance Company (The) 971.6 878.4
Co-operators Life Insurance Company 968.7 875.8

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2015

  Gross written premiums
Company BRL Mn USD Mn
Companhia de Seguros Alianca do Brasil  4,300.8 1,291.5
Bradesco Vida e Previdencia S.A.  2,449.0 735.4
Zurich Santander Brasil Seguros e Previdencia S.A.  2,165.4 650.3
Itau Seguros S.A.  1,724.0 517.7
Caixa Seguradora S.A.  1,697.8 509.8
Icatu Seguros S.A.  1,201.4 360.8
Cardif do Brasil Vida e Previdencia S.A.  863.5 259.3
MAPFRE Vida S.A. 732.1 219.9
MetLife Seguros E Previdencia Privada S.A.  560.8 168.4
HSBC Seguros (Brasil) S.A.  555.5 166.8

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2014

  Gross written premiums
Company EUR Mn USD Mn
AG Insurance  3,980.0 5,280.4
AXA Belgium  1,815.8 2,409.1
CBC Assurances  1,598.6 2,120.9
Belins  1,216.8 1,614.3
Ethias  1,092.6 1,449.6
Allianz Benelux  1,003.1 1,330.9
Aras  853.7 1,132.6
Delta Lloyd Life  795.6 1,055.5
Vivium  673.6 893.7
ERGO  551.0 731.0

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2014

  Gross written premiums
Company BDT Mn USD Mn
MetLife Alico  19,213.0 247.6
Fareast Islami Life  7,657.0 98.7
National Life  7,311.0 94.2
Popular Life  6,623.0 85.3
Delta Life  5,090.0 65.6
Meghna Life  4,513.0 58.2
Prime Islami Life  2,265.0 29.2
Sandhani Life  2,226.0 28.7
Rupali Life  1,753.0 22.6
Pragati Life  1,657.0 21.4

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2014

  Gross written premiums
  BHD Mn USD Mn
Life Insurance Corporation (International)  19.3 51.5
American Life Insurance Co. 17.7 47.1
Zurich International Life Ltd. 11.2 29.7
Medgulf Takaful  3.1 8.1
Bahrain National Life Assurance Co. 1.7 4.4
Takaful International  1.6 4.2
Legal & General Gulf Takaful  1.0 2.7
Legal & General Gulf  0.7 1.8
T'azur Company  0.5 1.3
Arabia Insurance  0.2 0.5

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2008

  Gross written premiums
Company USD Mn
Colina Imperial 147.4
Family Guardian 73.3
Atlantic Medical 67.5
British American 19.4
Generali Worldwide 17.5
Capital Life 6.6
Metlife 6.5
Laurentide 5.0
Sirius 2.0
Sagicor 0.8

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2015

  Gross written premiums
Company EUR Mn USD Mn
Sparkassen Versicherung AG  827.6 918.2
Wiener Stadtische Versicherung AG  793.8 880.7
Raiffeisen Versicherung  761.3 844.7
Generali Versicherung AG  677.4 751.6
ERGO Versicherung AG  591.4 656.2
Allianz Elementar Lebensversicherungs AG  408.1 452.7
UNIQA Osterreich Versicherungen AG  347.8 385.9
FINANCE LIFE Lebensversicherung AG  304.5 337.9
Wustenrot Versicherungs AG  297.8 330.4
BAWAG PSK Versicherung AG  280.8 311.6

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2014

  Gross written premiums
Company AUD Mn USD Mn
MLC Limited  1,569.3 1,414.6
The Colonial Mutual Life Assurance Society Limited (CommInsure)  1,394.8 1,257.3
AMP Life Limited  1,206.8 1,087.8
TAL Life Limited  1,173.0 1,057.4
OnePath Life Limited  1,155.2 1,041.4
AIA Australia Limited  1,023.4 922.5
The National Mutual Life Association of Australasia Limited  941.8 848.9
Suncorp Life & Superannuation Limited  706.6 636.9
Challenger Life Company Limited  620.5 559.3
Westpac Life Insurance Services Limited 577.7 520.8

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2015

  Gross written premiums
Company ARS Mn USD Mn
Estrella Retiro  2,000.7 217.2
MetLife Seg de Vida  1,700.5 184.6
Caja de Seguros  1,659.3 180.2
Cardif Seguros  1,638.4 177.9
Galicia Seguros  1,382.0 150.1
Sancor  1,356.0 147.2
Nacion Seguros  1,291.9 140.3
Provincia  1,096.4 119.0
Zurich Life  1,012.9 110.0
BHN Vida  937.9 101.8

Source: Axco Insurance Information Services.

Convective Weather Events, Fatalities, Injuries And Damage, 2019 (1)

Convective weather events Fatalities Injuries Property damage
($ millions)		 Crop damage
($ millions)		 Total damage
($ millions)
Lightning 20 100 $41.15 $0.01 $41.16
Tornado 42 537 3,102.49 5.67 3,108.16
Thunderstorm, wind 38 202 173.04 14.63 187.67
Hail 0 1 177.66 19.27 196.93
Total 100 840 $3,494.34 $39.58 $3,533.92

(1) Includes the 50 states, Puerto Rico, Guam and the Virgin Islands.

Source: U.S. Department of Commerce, National Oceanic and Atmospheric Administration, National Weather Service.

Women In Insurance, 2025

Occupation Total employed (000) Percent of women in that occupation
Insurance claims and policy processing clerks 274 79.4%
Claims adjusters, appraisers, examiners and investigators 389 58.2
Insurance underwriters 142 59.3
Insurance sales agents 618 52.4
Actuaries 32 (1)

(1) Data not shown where base is less than 50,000.

Source: U.S. Bureau of Labor Statistics, Current Population Survey. http://www.bls.gov/cps/cpsaat11.htm

TOP 10 QUESTIONABLE CLAIMS BY INSURANCE TYPE, 2011-2012 (1)

Rank Type of insurance 2011 2012 Percent change, 2011-2012
1 Personal automobile 69,219 78,024 12.7%
2 Personal property: homeowners 11,887 17,183 44.6
3 Workers compensation (2) 3,470 4,459 28.5
4 Commercial automobile 3,092 3,554 14.9
5 Commercial and general liability 2,571 2,650 3.1
6 Personal property: other 1,090 2,621 140.5
7 Commercial property: commercial multiple peril 698 941 34.8
8 Commercial liability: business owners 387 464 19.9
9 Personal property: fire 488 411 -15.8
10 Commercial property: business owners 325 406 24.9
  All questionable claims (3) 100,201 116,171 15.9%

(1) Based on claims insurance companies refer to the National Insurance Crime Bureau to be reviewed and investigated.
(2) Includes employers' liability.
(3) Includes all policy types, not just top 10.

Source: National Insurance Crime Bureau.

Leading Life Insurance Companies, 2015

   Direct written premiums (1)
Company USD Mn
MetLife Inc. $102,487.1
Prudential Financial Inc. 43,134.7
New York Life Insurance Group 29,647.5
Jackson National Life Group 27,457.2
AEGON 24,983.2
American International Group 24,976.8
Principal Financial Group Inc. 23,416.1
Massachusetts Mutual Life Insurance Co. 23,117.9
Lincoln National Corp. 22,676.9
AXA 19,478.2

(1) Includes life insurance, annuity considerations, deposit-type contract funds, other considerations; excludes accident and health insurance from life/health insurers. Before reinsurance transactions.

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

Leading Nonlife Insurance Companies, 2015

   Direct written premiums (1)
Company USD Mn
State Farm Mutual Automobile Insurance $59,361.7
Allstate Corp. 30,180.8
Berkshire Hathaway Inc. 29,967.4
Liberty Mutual 29,848.4
Travelers Companies Inc. 23,200.3
Progressive Corp. 21,346.2
Chubb Ltd. (2) 20,671.1
Nationwide Mutual Group 19,577.8
American International Group (AIG) 19,066.2
Farmers Insurance Group of Companies (3) 19,050.7

(1) Before reinsurance transactions, includes state funds.
(2) Chubb Ltd. data reflect the 2015 merger with Ace Ltd.
(3) Data for Farmers Insurance Group of Companies and Zurich Financial Group (which owns Farmers' management company) are reported separately by S&P Global Market Intelligence.

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

Leading Nonlife Insurance Companies, 2014

  Gross written premiums
Company VND Mn USD Mn
PV Insurance  5,805,743.0 274.0
Bao Viet  5,697,986.0 268.9
Bao Minh  2,601,107.0 122.8
PJICO  2,134,412.0 100.7
PTI  1,718,207.0 81.1
Samsung Vina  1,136,884.0 53.7
MIC  1,011,656.0 47.7
BIC  990,402.0 46.7
ABIC  636,935.0 30.1
GIC  590,393.0 27.9

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2015

  Gross written premiums
Company VEF Mn USD Mn
Caracas de Liberty Mutual  57,353.1 9,126.6
Mercantil  39,016.8 6,208.7
Horizonte  33,095.9 5,266.5
MAPFRE La Seguridad  18,346.8 2,919.5
Previsora  17,339.0 2,759.1
Occidental  17,166.9 2,731.8
Piramide  15,550.9 2,474.6
Altamira  11,618.3 1,848.8
Universitas  11,477.3 1,826.4
Estar  11,197.1 1,781.8

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2015

  Gross written premiums
Company UYU Mn USD Mn
Banco de Seguros del Estado  14,829.3 542.7
RSA Seguros SA  2,180.1 79.8
Porto Seguro  1,750.9 64.1
MAPFRE Uruguay Seguros SA  1,738.3 63.6
Sancor Seguros SA  1,000.7 36.6
HDI Seguros SA  405.2 14.8
Surco  340.3 12.5
FAR Compania de Seguros SA  208.5 7.6
Berkley International Seguros SA  170.7 6.3
San Cristobal  64.5 2.4

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2014

  Gross written premiums
Company GBP Mn USD Mn
Aviva  4,438.5 7,303.5
AXA  3,188.9 5,247.3
Direct Line Group  3,099.2 5,099.6
RSA Group  2,855.6 4,698.7
Zurich Insurance  2,615.2 4,303.2
Allianz  2,351.4 3,869.2
Ageas  1,821.2 2,996.7
AIG  1,550.5 2,551.3
Bupa Insurance  1,495.2 2,460.3
Liverpool Victoria Friendly Society Limited  1,394.3 2,294.3

Source: Axco Insurance Information Services.

Leading Life And Nonlife Insurance Companies, 2014 (1)

  Gross written premiums
Company AED Mn USD Mn
Oman Insurance Company  3,249.0 884.7
Abu Dhabi National Insurance Company  2,631.0 716.4
Orient Insurance Company  1,802.0 490.7
Emirates Insurance Company 840.0 228.7
Al Ain Ahlia Insurance Company  600.0 163.4
Al Buhaira National Insurance Company  564.0 153.6
Union Insurance Company  532.0 144.9
National General Insurance Co. 451.0 122.8
Al Wathba National Insurance Company  427.0 116.3
Al Sagr National Insurance Company  390.0 106.2

(1) Includes life and nonlie.

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2014

  Gross written premiums
Company UAH Mn USD Mn
AXA Insurance  758.2 63.8
UNIQA  743.8 62.6
Arsenal Insurance  627.0 52.7
INGO Ukraine  581.2 48.9
Ukrainian Insurance Group 555.7 46.8
Providna  528.9 44.5
Alfa Insurance  521.5 43.9
ASKA  504.9 42.5
PZU Ukraine  503.9 42.4
TAS  426.1 35.9

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2015

  Gross written premiums
Company TRY Mn USD Mn
Allianz  3,997.7 1,469.7
Anadolu  3,407.7 1,252.8
AXA  3,047.5 1,120.4
MAPFRE Genel  2,087.4 767.4
AK Sigorta  1,567.4 576.2
Gunes  1,270.4 467.1
Sompo Japan  1,059.6 389.6
Groupama  1,058.9 389.3
Eureko  993.9 365.4
ERGO  883.8 324.9

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2015

  Gross written premiums
Company TND Mn USD Mn
STAR 296.8 151.3
COMAR 147.7 75.3
AMI Assurances  132.8 67.7
GAT Assurances  129.9 66.2
Maghrebia Assurances SA  120.8 61.6
ASTREE Assurances  98.9 50.4
Mae Assurances  87.1 44.4
CARTE 86.8 44.2
LLOYD Assurances  68.1 34.7
CTMA 51.8 26.4

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2014

  Gross written premiums
Company TTD Mn USD Mn
Guardian General  1,443.8 225.3
Guardian life  485.1 75.7
Sagicor  393.2 61.4
TATIL  368.5 57.5
Beacon  309.4 48.3
COLFIRE  293.7 45.8
United  198.1 30.9
Maritime  179.2 28.0
Trinre  147.8 23.1
New India  130.1 20.3

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2015

  Gross written premiums
Company THB Mn USD Mn
Viriyah Insurance  32,418.6 950.7
Dhipaya Insurance  22,629.0 663.6
Bangkok Insurance  15,295.8 448.6
Muang Thai Insurance  11,097.3 325.4
Syn Mun Kong Insurance  9,927.4 291.1
Safety Insurance  9,002.7 264.0
Tokio Marine Insurance  7,542.4 221.2
Southeast Insurance  6,118.6 179.4
Thanachart Insurance  6,088.3 178.5
LMG Insurance  5,717.2 167.7

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2015

  Gross written premiums
Company TWD Mn USD Mn
Fubon  32,606.3 1,021.8
Cathay Century  18,983.5 594.9
Shin Kong  14,956.0 468.7
Mingtai  11,410.5 357.6
Tokio Marine Newa  10,790.6 338.2
Union  8,721.5 273.3
South China  8,252.2 258.6
Taian  7,693.3 241.1
Chung Kuo  6,893.7 216.0
First  6,558.1 205.5

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2014

  Gross written premiums
Company EUR Mn USD Mn
AXA Winterthur  3,294.8 3,596.3
Zurich Versicherungs-G esellschaft  2,552.6 2,786.2
Schweizerische Mobiliar  Versicherungsge sellschaft  2,547.8 2,780.9
Allianz Suisse Versicherungs-G esellschaft AG  1,745.3 1,905.0
Helsana Zusatzversicherungen AG  1,424.3 1,554.6
Basler Versicherung AG  1,309.8 1,429.7
Swica Krankenversicherung  1,257.3 1,372.3
CSS Versicherung AG  1,140.2 1,244.6
Visana Versicherungen AG  1,055.4 1,152.0
Helvetia Schweizerische Versicherungsge sellschaft  816.9 891.7

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2015

  Gross written premiums
Company SEK Mn USD Mn
Lansforsakringar  22,152.0 2,626.3
If Skadeforsakring  13,529.0 1,603.9
Folksam  12,137.0 1,438.9
Trygg-Hansa  11,432.0 1,355.3
Moderna  2,144.0 254.2
Dina federationen  1,950.0 231.2
Sakforsakring, Captive Insurers  1,689.0 200.2
LOF  1,375.0 163.0
Gjensidige  1,157.0 137.2
Zurich  1,054.0 125.0

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2015

  Gross written premiums
Company LKR Mn USD Mn
Sri Lanka Insurance Corporation  13,606.2 100.2
Ceylinco  12,921.6 95.1
Janashakthi  7,372.2 54.3
Union Assurance  5,557.2 40.9
NTIF  4,540.6 33.4
People’s Insurance  3,637.4 26.8
AIA  3,297.8 24.3
Allianz Insurance Lanka  3,244.8 23.9
HNBA  2,541.3 18.7
LOLC  2,477.0 18.2

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2015

  Gross written premiums
Company EUR Mn USD Mn
MAPFRE Familiar  3,542.9 3,930.9
Adeslas  3,029.2 3,360.9
Allianz  2,067.0 2,293.3
AXA Seguros Generales  1,540.3 1,709.0
Generali  1,273.0 1,412.4
Sanitas  1,164.8 1,292.4
ASISA  1,059.3 1,175.3
Santalucia  1,047.2 1,161.8
Mutua Madrilena  1,009.6 1,120.1
Zurich  973.8 1,080.5

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2012

  Gross written premiums
Company KRW Mn USD Mn
Samsung  17,379,320.4 15,428.1
Hyundai  10,621,581.5 9,429.1
Dongbu  9,992,870.4 8,871.0
LIG  9,498,520.6 8,432.1
Meritz  4,965,369.3 4,407.9
Hanwha  3,993,436.2 3,545.1
Heungkuk  2,957,797.0 2,625.7
Lotte  2,314,516.1 2,054.7
Seoul Guarantee  1,346,811.7 1,195.6
Green (now MG)  636,079.9 564.7

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2014

  Gross written premiums
Company ZAR Mn USD Mn
Santam  19,866.2 1,830.5
Mutual & Federal  8,886.2 818.8
Hollard Insurance  7,475.7 688.8
Guardrisk  6,912.6 637.0
OUTsurance  6,048.5 557.3
Zurich  3,484.9 321.1
Absa  3,115.6 287.1
Auto & General  2,569.1 236.7
AIG  2,174.6 200.4
Centriq  2,033.4 187.4

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2015

  Gross written premiums
Company EUR Mn USD Mn
Triglav  410.1 455.1
Health Insurance Mutual (Vzajemna)  275.3 305.5
Adriatic Slovenica  236.1 262.0
Maribor  177.0 196.4
Triglav Health  108.9 120.8
Tilia  71.7 79.6
Generali  63.5 70.4
GRAWE  15.8 17.5
SID-First Credit  15.5 17.2
Wiener Staedtische  9.6 10.6

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2013

  Gross written premiums
Company EUR Mn USD Mn
Allianz Slovenska 326.9 434.1
Kooperativa 250.6 332.7
Generali 94.3 125.2
UNIQA 75.1 99.7
Komunalna 60.5 80.3
Union 31.1 41.3
CSOB 27.1 35.9
Wustenrot 22.0 29.2
Cardif Slovakia 14.0 18.6
Poistovna Postovej banky 1.2 1.5

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2014

  Gross written premiums
Company SGD USD Mn
AIG Asia  468.5 369.8
AXA Singapore  415.7 328.1
MSIG  331.3 261.5
First Capital  289.9 228.8
NTUC Income  283.1 223.5
QBE  158.8 125.4
Liberty Insurance  158.8 125.3
Tokio Marine Insurance  144.4 114.0
ACE Insurance  134.9 106.4
Tenet Sompo  110.0 86.9

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2014

  Gross written premiums
Company RSD Mn USD Mn
Dunav 16,197.3 183.2
Generali Osigura nje 10,268.3 116.2
DDOR 8,831.5 99.9
UNIQA Nezivot 3,975.6 45.0
Wiener 3,736.5 42.3
Triglav 2,601.6 29.4
AMS 2,184.1 24.7
Milenijum 1,986.1 22.5
Sava Nezivot 1,455.2 16.5
AXA Nezivot 754.3 8.5

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2015

  Gross written premiums
Company RUB Mn USD Mn
Rosgosstrakh  150,134.1 2,463.7
Sogaz  130,257.4 2,137.6
Ingosstrakh  79,485.6 1,304.4
Reso Garantiya  78,461.2 1,287.6
AlfaStrakhovanie  55,285.9 907.3
VTB Insurance  49,061.4 805.1
VSK  48,903.6 802.5
Soglasie  31,256.9 512.9
Renaissance Insurance Group  20,860.2 342.3
Zhaso  13,292.9 218.1

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2014

  Gross written premiums
Company RON Mn USD Mn
Allianz-Tiriac Insurance  887.8 130.6
Omniasig Vienna Insurance Group  860.4 126.5
Astra  761.3 112.0
Groupama Insurance  667.2 98.1
Carpatica ASIG  553.7 81.4
Asirom Vienna Insurance Group  477.6 70.2
Euroins Romania  474.4 69.8
UNIQA Insurance  411.6 60.5
Generali Insurance  384.4 56.5
City Insurance  361.5 53.2

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2014

  Gross written premiums
Company QAR Mn USD Mn
Qatar Insurance Company  1,355.6 372.4
Qatar General Insurance and Reinsurance Company  616.5 169.4
Doha Insurance Company  533.7 146.6
Al Khaleej Takaful  303.2 83.3
Qatar Islamic  236.0 64.8

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2014

  Gross written premiums
Company EUR Mn USD Mn
Fidelidade  938.3 1,244.9
Tranquilidade  319.1 423.4
Allianz  317.7 421.5
AXA Seguros  283.1 375.6
Acoreana  265.6 352.4
Liberty  244.4 324.3
Ocidental Seguros  238.5 316.4
Zurich Insurance PLC 233.3 309.5
Lusitania Seguros  175.2 232.5
Generali SpA  133.0 176.4

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2015

  Gross written premiums
Company PLN Mn USD Mn
PZU  8,857.9 2,349.9
ERGO Hestia  3,723.7 987.9
WARTA  3,588.6 952.0
Allianz Polska  1,712.7 454.4
Compensa  1,191.9 316.2
UNIQA  1,008.3 267.5
Generali  887.2 235.4
InterRisk  815.5 216.4
Europa  637.3 169.1
Gothaer  598.8 158.9

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2015

  Gross written premiums
Company PHP Mn USD Mn
Malayan Insurance  7,504.2 164.9
Prudential Guarantee  6,858.5 150.7
Pioneer Insurance  6,503.3 142.9
BPI/MS  5,631.3 123.8
Charter Ping AN  4,114.1 90.4
Federal Phoenix  3,543.7 77.9
Chartis  2,929.8 64.4
Standard Insurance  2,916.6 64.1
PNB General  2,580.9 56.7
UCPB General  2,388.0 52.5

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2015

  Gross written premiums
Company PEN Mn USD Mn
Rimac  2,391.7 749.8
Pacifico Seguros Generales  1,354.2 424.5
MAPFRE Peru  1,043.9 327.2
La Positiva  870.5 272.9
ACE  147.8 46.3
Cardif  98.4 30.9
Interseguro  71.6 22.5
El Pacifico Vida  63.9 20.0
Insur  34.5 10.8
Secrex  32.8 10.3

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2014

  Gross written premiums
Company PAB Mn USD Mn
Internacional de Seguros 188.3 188.3
ASSA 122.5 122.5
MAPFRE 95.2 95.2
Assicurazioni Generali 63.7 63.7
Aseguradora Ancon 54.6 54.6
Suramericana 44.2 44.2
Nacional de Seguros de Panama y Centroamerica 43.5 43.5
Seguros Banistmo 28.3 28.3
Banesco Seguros 25.9 25.9
Aliado Seguros 23.8 23.8

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2014

  Gross written premiums
Company PKR Mn USD Mn
EFU 14,514.1 143.6
Adamjee 9,928.3 98.2
Jubilee 6,961.3 68.9
United 2,474.7 24.5
IGI 2,139.7 21.2
Security 1,815.7 18.0
New Hampshire 1,796.6 17.8
Askari 1,719.5 17.0
Atlas 1,651.3 16.3
East West 1,419.9 14.1

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2015

  Gross written premiums
Company OMR Mn USD Mn
Dhofar Insurance Company 58.9 153.1
Oman United Insurance 31.4 81.5
Al Ahlia Insurance Company 30.9 80.3
New India Assurance 25.3 65.8
Oman Qatar Insurance 17.0 44.2
AXA Insurance 15.7 40.8
Vision Insurance 13.6 35.4
Muscat Insurance 12.4 32.3
AIG MEA Limited 10.4 27.1
Falcon Insurance 10.3 26.9

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2015

  Gross written premiums
Company NOK Mn USD Mn
Gjensidige 14,073.8 1,735.4
If Skadeforsikring 12,181.4 1,502.0
Tryg 7,474.3 921.6
SpareBank 1 Forsikring 5,545.8 683.8
DNB Forsikring 2,551.2 314.6
Eika Forsikring 2,340.5 288.6
Codan 1,818.8 224.3
Storebrand 1,695.1 209.0
Frende Skadeforsikring 1,467.7 181.0
Protector Forsikring 1,462.7 180.4

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2014

  Gross written premiums
Company NGN Mn USD Mn
Leadway Assurance Co. Ltd. 17,838.3 112.5
Custodian and Allied Insurance Co. Plc. 16,146.4 101.8
AXA Mansard Insurance Plc. 13,124.7 82.8
Mutual Benefit ASS Plc. 11,347.2 71.6
NEM Insurance Co Plc. 9,548.3 60.2
AIICO Insurance Plc. 8,873.6 56.0
Zenith General Insurance Co. Ltd. 7,720.4 48.7
Sovereign Trust Insurance Plc. 7,205.5 45.5
Royal Exchange ASS Nigeria Plc. 6,719.8 42.4
STACO Insurance Plc. 5,895.6 37.2

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2015

  Gross written premiums
Company NZD Mn USD Mn
IAG New Zealand 2,386.2 1,664.0
Vero Insurance 1,026.1 715.6
QBE Insurance New Zealand Ltd. 353.4 246.5
AA Insurance 290.2 202.4
Tower Insurance 244.2 170.3
Farmers Mutual Insurance Group 223.0 155.5
AIG Insurance NZ 182.5 127.3
Allianz New Zealand 171.7 119.8
ACE Insurance 119.3 83.2
Zurich New Zealand 77.1 53.8

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2014

  Gross written premiums
Company EUR Mn USD Mn
Centrale Zorgverzekeraars Groep, Zorgverzekeraar ua OWM 5,858.6 7,772.8
VGZ Zorgverzekeraar NV 5,737.5 7,612.1
Zilveren Kruis Achmea Zorgverzekering en NV 5,732.9 7,606.1
Menzis Zorgverzekeraar NV 4,206.4 5,580.8
Achmea Schadeverzekeringen NV 3,127.5 4,149.3
Agis Zorgverzekeringen NV 3,106.6 4,121.6
Unive Zorg NV 1,895.9 2,515.4
IZA Zorgverzekeraar NV 1,549.7 2,056.0
Nationale-Nederlanden Schadeverzekeringng Maatschappij NV 1,286.8 1,707.3
De Friesland Zorgverzekeraar NV 1,139.4 1,511.6

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2009

  Gross written premiums 
Company ZAR Mn USD Mn
Santam 373.0 44.0
M&F 339.9 40.1
Hollard 242.1 28.6
Corporate Guarantee 127.3 15.0
Western 91.0 10.7
Legal Shield 48.6 5.7
Swabou 46.8 5.5
Prosperity 30.2 3.6
Guardrisk 29.2 3.5
NASRIA 14.0 1.7

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2015

  Gross written premiums
Company MAD Mn USD Mn
SAHAM Assurance 3,410.3 349.3
Wafa Assurance 2,985.0 305.7
RMA Watanya 2,874.7 294.4
AXA Assurance Maroc 2,795.2 286.3
Atlanta 1,550.7 158.8
SANAD 1,420.0 145.4
Zurich 1,228.1 125.8
MAMDA 846.9 86.7
CAT 631.2 64.6
MCMA 551.8 56.5

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2015

  Gross written premiums
Company  MXN Mn    USDMn  
Qualitas Cia de Segs  19,169.7 1,209.6
MAPFRE Tepeyac  15,915.0 1,004.2
AXA Seguros  15,784.9 996.0
Grupo Nacional Provincial  15,235.1 961.3
Seguros Inbursa  11,339.6 715.5
Seguros Banorte Generali  9,330.3 588.7
Zurich Cia de Segs  6,284.3 396.5
ABA Seguros  6,258.5 394.9
Seguros BBVA Bancomer  6,105.3 385.2
Seguros Atlas  4,543.4 286.7

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2005

  Gross written premiums
Company MTL Mn USD Mn
Middlesea 12.3 35.6
Gasan Mamo 9.3 26.9
Atlas 7.0 20.2
Elmo 5.3 15.3
Citadel 3.3 9.5

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2015

  Gross written premiums
Company MYR Mn USD Mn
Allianz General Insurance Company (Malaysia) Berhad 2,169.2 555.4
AmGeneral Insurance Berhad 1,565.5 400.8
MSIG Insurance (Malaysia) Bhd 1,534.9 393.0
Etiqa Insurance Berhad 1,404.0 359.5
AXA Affin General Insurance Berhad 1,334.9 341.8
Lonpac Insurance Bhd 1,154.5 295.6
Tokio Marine Insurans (Malaysia) Berhad 1,060.4 271.5
ACE Jerneh Insurance Berhad 896.0 229.4
AIG Malaysia Insurance Berhad 721.1 184.6
Berjaya Sompo Insurance Berhad 698.4 178.8

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2014

  Gross written premiums
Company EUR Mn USD Mn
Foyer Assurances  290.5 385.4
La Luxembourgeoise 233.7 310.1
AXA Assurances Luxembourg  101.8 135.1
Baloise Assurances Luxembourg  95.2 126.3
DKV Luxembourg  33.6 44.6
Allianz Insurance Luxembourg  23.6 31.3
Telefonica Insurance  17.6 23.3
Foyer Sante  16.0 21.2
Swiss Re International  11.4 15.1
Foyer Arag  9.6 12.8

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2014

  Gross written premiums
Company LBP Mn USD Mn
Medgulf 179,043.0 118.8
Bankers 159,837.0 106.0
AXA ME 144,572.0 95.9
Libano-Suisse 94,506.0 62.7
Fidelity 90,251.0 59.9
Al Mashrek 86,433.0 57.3
LIA 83,499.0 55.4
Arope 81,293.0 53.9
ALICO – Metlife 57,205.0 38.0
ALIG 44,913.0 29.8

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2014

  Gross written premiums
Company KWD Mn USD Mn
Gulf Insurance Company 30.4 106.9
Kuwait Insurance Company 27.8 97.7
Al Ahleia Insurance Company 17.2 60.4
Warba Insurance Company 16.3 57.3
First Takaful Insurance 9.7 34.0
T'azur Takaful Insurance 8.5 30.0
Bahrain Kuwait Insurance 8.1 28.5
National Takaful Insurance 7.3 25.7
Enaya Insurance 6.5 22.8
Boubyan Takaful Insurance 5.9 20.7

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2015

  Gross written premiums
Company KES Mn USD Mn
Jubilee 12,150.5 123.8
APA 9,242.4 94.1
UAP Insurance 8,285.0 84.4
Britam 8,120.1 82.7
CIC General 7,921.7 80.7
ICEA Lion General 5,627.2 57.3
Heritage 5,224.7 53.2
AAR 4,368.0 44.5
GA 4,324.7 44.1
AIG Kenya 3,930.9 40.0

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2015

  Gross written premiums
Company  KZT Mn    USD Mn  
Eurasia  34,181.5 174.5
Halyk-Kazakhinst rakh  27,419.5 140.0
Kazakhmys  16,408.1 83.8
NOMAD Insurance  12,543.6 64.0
Kaspi Insurance  11,933.5 60.9
Oil Insurance Company  11,422.1 58.3
Kazkommerts-Po licy  9,358.9 47.8
NOMAD Life  8,876.1 45.3
Amanat Insurance  8,117.3 41.4
Tsesna Garant  7,592.0 38.8

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2014

  Gross written premiums
Company JOD Mn USD Mn
Arab Orient Insurance  95.0 133.7
Jordan Insurance  38.8 54.6
Middle East Insurance  34.2 48.1
First Insurance  25.9 36.4
Jordan French Insurance  21.9 30.9
National Insurance  20.8 29.2
United Insurance  20.3 28.7
MEDGULF Insurance  18.7 26.3
Arab Life & Accidents Ins.  17.9 25.2
Euro Arab Insurance Group  17.6 24.8

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2014

  Gross written premiums
Company JYP Mn USD Mn
Sompo Japan Nipponkoa  2,421,208.3 22,853.5
Tokio Marine & Nichido  2,304,130.1 21,748.4
Mitsui Sumitomo  1,668,208.0 15,746.0
Aioi Nissay Dowa  1,278,122.9 12,064.0
Fuji  305,424.3 2,882.9
AIU  255,317.1 2,409.9
Kyoei  205,999.3 1,944.4
Nisshin  152,367.5 1,438.2
Sony  90,495.3 854.2
American Home  83,968.2 792.6

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2014

  Gross written premiums
Company JMD Mn   USD Mn  
Advantage General  5,393.0 48.6
Guardian General  5,249.7 47.3
General Accident (GA)  5,072.4 45.7
British Caribbean (BCIC)  4,795.7 43.2
Jamaica International  4,057.9 36.6
JN General Insurance  3,591.8 32.4
Insurance Company of the West Indies  3,311.2 29.9
AIG  1,925.6 17.4
Key  728.2 6.6

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2014

  Gross written premiums
Company EUR Mn USD Mn
UnipolSai Assicurazioni  8,000.6 10,614.6
Generali Italia  5,502.7 7,300.6
Allianz  3,527.6 4,680.2
Societa Cattolica  1,414.0 1,876.0
AXA Assicurazioni  1,404.9 1,864.0
Societa Reale Mutua  1,388.6 1,842.3
Groupama Assicurazioni  1,168.4 1,550.2
Vittoria Assicurazioni  1,033.0 1,370.5
Genialloyd  565.6 750.4
Sara Assicurazioni  563.8 748.0

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2014

  Gross written premiums
Company  ILS Mn  USD Mn  
Harel  6,940.6 1,939.8
Clal  4,326.1 1,209.1
Migdal  3,926.9 1,097.5
Menora Mivtachim  2,874.6 803.4
The Phoenix  2,735.8 764.6
Ayalon  1,757.3 491.1
IDI  1,485.1 415.1
ILD  980.8 274.1
Shirbit  969.8 271.1
Bituach Haklai  798.5 223.2

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2014

  Gross written premiums
Company EUR Mn USD Mn
Allianz Plc  320.6 425.3
FBD  311.4 413.2
AXA  302.9 401.8
RSA Insurance  301.0 399.3
Aviva Insurance Limited  267.0 354.2
Liberty Insurance Ltd  180.7 239.7
AIG Europe Limited  161.3 214.0
Zurich Insurance plc  127.9 169.7
Aviva Health  75.2 99.8
Irish Public Bodies  75.0 99.6

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2014

  Gross written premiums
Company IRR Mn  USD Mn  
Bimeh Iran  79,134,107.8 3,050.5
Bimeh Asia  19,851,657.4 765.2
Bimeh Alborz  13,505,762.5 520.6
Bimeh Dana  13,123,576.4 505.9
Bimeh Parsian  9,845,918.9 379.5
Bimeh Kosar  6,101,067.4 235.2
Bimeh Moallem  5,341,373.5 205.9
Bimeh Pasargad  5,068,787.9 195.4
Bimeh Razi  4,355,167.9 167.9
Bimeh Karafarin  3,511,866.1 135.4

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2014

  Gross written premiums
Company  IDR Mn   USD Mn
Sinar Mas  4,618,404.0 389.2
Jasa Indonesia  4,327,203.0 364.7
Astra Buana  4,107,089.0 346.2
Central Asia  2,720,639.0 229.3
Tugu Pratama Indonesia  2,548,597.0 214.8
Kredit Indonesia  2,223,928.0 187.4
Adira Dinamika  2,149,829.0 181.2
Wahana Tata  2,143,729.0 180.7
Bangun Askrida  1,726,817.0 145.5
MSIG Indonesia  1,423,116.0 119.9

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2014

  Gross written premiums
Company INR Mn USD Mn
New India 137,276.1 2,249.3
National 102,609.7 1,681.3
United India 97,089.3 1,590.9
Oriental 72,825.4 1,193.3
ICICI Lombard 68,561.6 1,123.4
Bajaj Allianz 45,164.5 740.0
AIC (Crop) 33,950.1 556.3
IFFCO Tokio 29,309.2 480.3
HDFC Ergo 29,069.9 476.3
Reliance General 23,888.2 391.4

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2015

  Gross written premiums
Company HUF Mn USD Mn
Allianz  84,023.8 300.8
Generali  77,632.8 277.9
Aegon  51,404.5 184.0
Groupama  48,571.9 173.9
UNIQA  31,260.8 111.9
Union  23,961.1 85.8
K&H  22,394.4 80.2
Waberer Hungaria  14,054.6 50.3
KOBE  10,536.6 37.7
AIG  9,658.9 34.6

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2015

  Gross written premiums
Company HKD Mn USD Mn
AXA General  3,797.7 489.4
CTPI(HK)  3,280.2 422.7
Bupa  2,609.6 336.3
Zurich Insurance  2,411.9 310.8
BOC Group Insurance  2,020.3 260.4
QBE HKSI  1,715.9 221.1
AIG Insurance HK  1,637.6 211.0
Blue Cross  1,242.2 160.1
ACE  1,233.3 158.9
AXA China (HK)  1,184.6 152.7

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2013

  Gross written premiums
Company EUR Mn USD Mn
Ethniki 611.3 811.6
ATE 176.6 234.4
ERGO Damages 138.0 183.3
Allianz Hellas 125.4 166.5
Axa 123.5 163.9
European Reliance 113.3 150.4
Generali Hellas 110.9 147.3
Idrogios General 102.8 136.5
Eurolife ERB General 81.5 108.2
European Union 80.3 106.7

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2014

  Gross written premiums
Company EUR Mn USD Mn
Allianz Vers  9,173.0 12,170.1
HDIGerling Industrie  3,756.0 4,983.2
AXA Vers  3,726.0 4,943.4
Allianz Global Se  3,528.0 4,680.7
R+V Allgemeine Vers  3,366.0 4,465.8
ERGO Versicherung  2,839.0 3,766.6
LVM Sach  2,002.0 2,656.1
Generali Versicherung  1,764.0 2,340.4
HUKCoburg Allg Vers  1,684.0 2,234.2
VHV Allgemeine Vers  1,627.0 2,158.6

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2013

  Gross written premiums
Company EUR Mn USD Mn
Covea 8,251.0 10,955.2
AXA 7,572.0 10,053.7
Sferen 7,313.0 9,709.8
Groupama 5,163.0 6,855.1
Allianz 5,122.0 6,800.7
Generali 3,058.0 4,060.2
Credit Agricole 2,638.0 3,502.6
Credit Mutuel 1,815.0 2,409.9
Sgam BTP 1,633.0 2,168.2
Aviva 1,046.0 1,388.8

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2014

  Gross written premiums
Company EUR Mn USD Mn
Pohjola  1,219.0 1,617.3
If P&C  1,073.0 1,423.6
LahiTapiola  581.0 770.8
Fennia  513.0 680.6
LahiTapiola Regionals  431.0 571.8
AVakuutus Oy  109.0 144.6
Pohjantahti  102.0 135.3
Turva  102.0 135.3
Folksam  79.0 104.8
Eurooppalainen  58.0 77.0

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2015

  Gross written premiums
Company EGP Mn USD Mn
Misr  4,120.4 535.7
Bupa Egypt  483.6 62.9
Suez Canal  476.8 62.0
Arab Misr Insurance Group  431.9 56.2
Egypt Takaful Property Insurance  355.6 46.2
Royal  317.0 41.2
Allianz Egypt  300.7 39.1
Orient Takaful Insurance  292.3 38.0
AIG Egypt  282.6 36.7
Mohandes  201.0 26.1

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2014

  Gross written premiums
Company USD Mn
Sucre 359.5
Equinoccial 272.3
Colonial 215.0
Ace Seguros 166.0
AIG Metropolitana 89.7
MAPFRE-ATLAS 86.4
Liberty Seguros 76.7
Aseguradora Del Sur 73.0
Seguros Unidos 71.7
Rocafuerte 69.5

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2015

  Gross written premiums
Company DOP Mn USD Mn
Universal  6,312.8 140.1
Banreservas  4,796.3 106.5
MAPFRE  4,076.5 90.5
Colonial  2,841.9 63.1
SURA  2,727.5 60.5
Monumental  808.6 18.0
Constitucion  760.4 16.9
Pepin  758.7 16.8
General  501.8 11.1
Agrodosa  310.4 6.9

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2015

  Gross written premiums
Company DKK Mn USD Mn
Tryg Forsikring  17,872.0 2,656.4
Codan Forsikring  16,085.2 2,390.8
Topdanmark  8,473.8 1,259.5
Alm Brand Forsikring  4,932.0 733.1
Sygeforsikring Danmark  2,927.8 435.2
LB Forsikring  2,589.8 384.9
Alka  2,091.5 310.9
GFForsikring  1,610.5 239.4
Alpha Insurance  1,357.9 201.8
Qudos Insurance  1,175.2 174.7

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2015

  Gross written premiums
Company CZK Mn USD Mn
Ceska Pojistovna  18,063.4 734.3
Kooperativa  16,295.2 662.4
Allianz  8,617.9 350.3
Ceska Podnikatelska Pojistovna  5,531.5 224.9
Generali  5,418.1 220.3
CSOB  4,840.0 196.8
UNIQA  4,571.4 185.8
BNP Paribas Cardif  2,031.3 82.6
AXA  1,006.1 40.9
Slavia  653.6 26.6

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2014

  Gross written premiums
Company EUR Mn USD Mn
General Insurance of Cyprus 52.9 70.2
CNP Asfalistiki 50.3 66.7
Universal Life 31.5 41.8
Pancyprian 29.0 38.5
Atlantic 22.6 29.9
Trust 21.6 28.7
AIG 21.4 28.4
Cosmos 18.8 25.0
Alpha 14.5 19.2
Prime 14.4 19.1

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2015

  Gross written premiums
Company HRK Mn USD Mn
Croatia Insurance  1,794.4 261.6
Euroherc  819.5 119.5
Allianz Zagreb  655.1 95.5
Jadransko  522.4 76.2
UNIQA  320.3 46.7
Triglav  284.9 41.5
Wiener Insurance VIG  280.6 40.9
Generali  267.3 39.0
Croatia Health  225.3 32.9
HOK  178.9 26.1

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2013

  Gross written premiums
Company CRC Mn USD Mn
INS 373,408.7 747.2
ASSA Compania de Seguros 17,521.7 35.1
MAPFRE Seguros Costa Rica 5,420.4 10.9
Qualitas Compania de Seguros (Costa Rica) 2,916.2 5.8
Aseguradora del Istmo (ADISA) 607.7 1.2
Aseguradora Sagicor Costa Rica 187.8 0.4
Oceánica de Seguros S.A 69.8 0.1

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2015

  Gross written premiums
Company COP Mn USD Mn
Suramericana S.A.  1,740,140.9 634.7
Estado S.A.  1,069,908.8 390.2
Allianz Seguros S.A.  798,402.7 291.2
MAPFRE  790,352.7 288.3
Liberty Seguros  711,440.3 259.5
Previsora  685,408.1 250.0
AXA Colpatria Seguros S.A.  679,909.6 248.0
Bolivar S.A.  659,303.8 240.5
Cardif Colombia Seguros Generales  538,253.5 196.3
Mundial  420,602.3 153.4

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2015

  Gross written premiums
Company CNY Mn USD Mn
PICC Property and Casualty  281,010.0 45,033.7
Ping An Property and Casualty  163,640.9 26,224.5
CPIC Property  94,438.8 15,134.4
China Life Property and Casualty  50,369.2 8,072.0
China United Property  39,369.9 6,309.3
China Continent Property and Casualty  26,588.7 4,261.0
Sunshine Property and Casualty  25,816.6 4,137.3
Sinosure (China Export and Credit Insurance Corporation)  16,487.5 2,642.2
Taiping General  15,615.0 2,502.4
Tianan Insurance  13,096.5 2,098.8

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2015

  Gross written premiums
Company CLP Mn USD Mn
RSA Seguros  317,707.7 485.7
MAPFRE  278,057.9 425.1
BCI Seguros  276,602.1 422.9
Penta Security  233,560.4 357.1
Magallanes  178,917.3 273.5
BNP Paribas Cardif  171,400.9 262.0
Liberty Seguros  165,124.6 252.4
ACE Seguros  129,963.7 198.7
Chilena Consolidada  124,618.1 190.5
AIG Chile  83,285.9 127.3

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2015

  Gross written premiums
Company CAD Mn USD Mn
Intact Insurance Company  6,642.2 5,192.9
Aviva Insurance Company of Canada  3,347.1 2,616.8
Lloyd's Underwriters  3,077.8 2,406.2
Security National Insurance Company  3,073.9 2,403.2
Wawanesa Mutual Insurance Company (The)  2,741.4 2,143.2
Cooperators General Insurance  Company  2,422.1 1,893.6
Economical Mutual Insurance Company  2,008.4 1,570.2
Royal & Sun Alliance Insurance Company of Canada  1,745.3 1,364.5
Certas Home and Auto Insurance Company  1,679.8 1,313.3
Allstate Insurance Company of Canada  1,374.4 1,074.5

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2015

  Gross written premiums
Company BGN Mn USD Mn
Armeec  207.7 117.7
Bulstrad Vienna Insurance Group  192.3 109.0
Lev Ins  162.9 92.3
DZI General insurance  158.1 89.6
Allianz Bulgaria  157.1 89.0
Euroins  118.4 67.1
Bul Ins  113.8 64.5
Victoria  77.8 44.1
OZK Insurance  77.8 44.1
Generali Insurance  75.0 42.5

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2015

  Gross written premiums
Company BRL Mn USD Mn
Seguradora Lider dos Consórcios do Seguro Dpvat S.A. 8,622.0 2,589.2
Porto Seguro Companhia de Seguros Gerais 5,936.5 1,782.7
MAPFRE Seguros Gerais S.A. 5,429.3 1,630.4
Bradesco Auto/Re Companhia de Seguros 5,242.6 1,574.4
Sul America Companhia Nacional De Seguros  3,774.5 1,133.5
Tokio Marine Seguradora S.A. 3,382.1 1,015.6
HDI Seguros S.A.  2,937.9 882.3
CAIXA Seguradora S.A.  2,710.2 813.9
Allianz Seguros S.A.  2,551.6 766.2
Itau Seguros de Auto e Residencia S.A. 2,425.3 728.3

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2014

  Gross written premiums
Company EUR Mn USD Mn
AXA Belgium  1,934.5 2,566.6
AG Insurance  1,866.9 2,476.9
Ethias  1,141.3 1,514.2
KBC Assurances  952.9 1,264.2
Baloise  722.4 958.4
Belfius Assurances  516.8 685.7
Allianz Benelux  498.6 661.6
DKV  478.0 634.2
Vivium  402.5 534.1
P&V  272.7 361.8

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2014

  Gross written premiums
Company BDT Mn USD Mn
Green Delta Insurance Co Ltd  2,650.0 34.2
Pioneer Insurance Co Ltd  2,100.0 27.1
Reliance Insurance Ltd 2,020.0 26.0
Pragati Insurance Ltd  1,350.0 17.4
Continental Insurance Ltd  700.0 9.0
Rupali Insurance Co Ltd  700.0 9.0
Eastland Insurance Co Ltd  684.3 8.8
Bangladesh Gen Ins Co Ltd  650.0 8.4
Nitol Insurance Co Ltd 605.0 7.8
Phoenix Insurance Co Ltd 600.0 7.7

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2014

  Gross written premiums
Company BHD Mn USD Mn
Bahrain Kuwait Insurance  26.7 71.0
ACE American Insurance  20.8 55.4
Bahrain National Insurance  20.6 54.9
AXA Insurance  20.1 53.4
Takaful International  17.5 46.6
Gulf Union Ins & Re  15.5 41.1
Saudi National Insurance  14.1 37.5
Solidarity General Takaful  13.9 36.9
Al Ahlia Insurance  10.8 28.7
T'azur Company  10.6 28.2

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2015

  Gross written premiums
Company EUR Mn USD Mn
UNIQA Osterreich Versicherungen AG 2,158.4 2,394.7
Generali Versicherung AG  1,622.0 1,799.6
Wiener Staedtische Versicherung AG  1,588.7 1,762.7
Allianz Elementar Versicherungs AG 978.3 1,085.4
Donau Versicherung AG Vienna Insurance Group  573.7 636.5
Zurich Versicherungs AG 472.7 524.5
Merkur Versicherung AG  361.4 401.0
Grazer Wechselseitige Versicherung AG  360.0 399.4
Oberosterreichis che Versicherung AG  285.9 317.2
Helvetia Versicherungen AG 265.1 294.2

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2015

  Gross written premiums
Company AUD Mn USD Mn
AAI Limited  7,492.0 5,628.4
Allianz Australia Insurance Limited  4,320.8 3,246.1
QBE Insurance (Australia) Limited  4,304.3 3,233.7
Insurance Australia Limited  3,939.6 2,959.7
Insurance Manufacturers of  Australia Pty Limited  2,867.1 2,153.9
CGU Insurance Limited  2,277.1 1,710.7
IAG Re Australia Limited  1,583.8 1,189.9
Wesfarmers General Insurance Limited  1,285.9 966.0
Zurich Australian Insurance Limited  1,073.6 806.5
RACQ Insurance Limited  704.7 529.5

Source: Axco Insurance Information Services.

Leading Nonlife Insurance Companies, 2015

  Gross written premiums
Company ARS Mn USD Mn
Federacion Patronal 9,535.4 1,032.7
Prevencion Art 7,881.7 853.6
Galeno Art 7,409.2 802.5
Caja Seguros 6,557.3 710.2
Provincia Art 6,409.3 694.2
Sancor 5,293.5 573.3
Allianz Argentina 4,542.3 492.0
San Cristobal 4,506.6 488.1
Asociart Art 4,246.6 459.9
Seguros Rivadavia 3,691.9 399.9

Source: Axco Insurance Information Services.

Leading Life Insurance Companies, 2013

  Gross written premiums
Company DZD Mn USD Mn
CAARAMA 1,929.0 24.3
TALA 1,327.0 16.7
Cardif el Djazair 1,208.0 15.2
SAPS 1,199.0 15.1
Macir Vie 1,131.0 14.3
AXA Algerie Assurances Vie 769.0 9.7
Le Mutualiste 606.0 7.6

Source: Axco Insurance Information Services.

Top 10 States By Number Of Major Hail Events, 2025 (1)

Rank State Number of hail events
1 Texas 902
2 Illinois 375
3 Missouri 369
4 Mississippi 315
5 Alabama 253
6 North Dakota 244
7 Indiana 232
8 Oklahoma 216
9 Arkansas 167
10 Minnesota 154
  United States 5,432

(1) Hailstones one inch in diameter or larger.

Source: U.S. Department of Commerce, Storm Prediction Center, National Weather Service.

Man-Made Disasters, 2017

Event Number of incidents Deaths Insured loss ($ millions)
All man-made disasters (1) 118 2,934 $6,246
       
Major fires, explosions 45 477 $5,439
Oil, gas 15 36 3,056
Industry, warehouses 14 73 1,845
Other buildings 11 308 382
Other fires, explosions 3 22 81
Department stores 2 38 76
Aviation disasters 7 165 $410
Space 2 0 188
Crashes 3 165 131
Damage on ground 2 0 90
Miscellaneous 21 925 $200
Social unrest 1 0 200
Terrorism 13 731 0
Other miscellaneous losses 7 194 0
Maritime disasters 33 1,163 $197
Drilling platforms 1 0 90
Freighters 2 22 75
Tankers 1 0 32
Passenger ships 27 1,087 0
Other maritime accidents 2 54 0
Rail disasters (includes cableways) 10 140 $0
Mining accidents 2 64 $0

(1) Based on events classified by Swiss Re as a catastrophe. The threshold is $20.3 million in insured losses for maritime disasters, $40.7 million for aviation disasters and $50.5 million for other losses or $101.0 million in total economic losses; or at least 20 dead or missing, 50 injured or 2,000 made homeless.

Source: Swiss Re, sigma, 1/2018.

Passenger Ship Losses, 2008-2017 (1)

Year Number Victims Insured losses ($ millions)
2008 32 1,553 $31
2009 35 2,146 NA
2010 22 1,058 27
2011 29 1,873 NA
2012 26 1,679 719
2013 16 1,079 20
2014 28 2,000 231
2015 20 2,259 65
2016 19 1,530 0
2017 27 1,087 0

(1) Based on events classified by Swiss Re as a catastrophe. The threshold was $17.4 million in insured losses or at least 20 dead or missing, 50 injured or 2,000 made homeless from 2008 to 2011; $18.3 million in insured losses in 2012; $19.3 million in 2013; $19.6 million in 2014; $19.7 million in 2015; $19.9 million in 2016 and $20.3 million in 2017.

NA=Not applicable.

Source: Swiss Re, sigma, No. 2/2012, 2/2013, 1/2014/, 2/2015, 1/2016, 2/2017, 1/2018.

Marine Disasters, 2017 (1)

Category Number of events Victims Insured losses ($ millions)
Drilling platforms 1 0 90
Freighters 2 22 75
Tankers 1 0 32
Passenger ships 27 1,087 0
Other maritime accidents 2 54 0
Total 33 1,163 $197

(1) Based on events classified by Swiss Re as a catastrophe. The threshold for a maritime disaster is $20.3 million in insured losses or total losses of $99.0 million; or at least 20 dead or missing, 50 injured or 2,000 made homeless.

Source: Swiss Re, sigma, No. 1/2018.

Wildfires By State, 2024

State Number of fires Number of acres burned
Alabama 1,525 20,978
Alaska 377 667,075
Arizona 2,191 282,989
Arkansas 1,219 25,444
California 8,316 1,081,144
Colorado 894 60,539
Connecticut 356 339
Delaware 23 137
District of Columbia 0 0
Florida 2,348 65,618
Georgia 2,492 11,896
Hawaii 90 452
Idaho 1,450 996,762
Illinois 47 441
Indiana 64 154
Iowa 362 3,965
Kansas 41 22,217
Kentucky 957 24,448
Louisiana 385 9,058
Maine 653 295
Maryland 174 965
Massachusetts 1,299 4,622
Michigan 447 2,062
Minnesota 1,123 15,125
Mississippi 1,800 55,880
Missouri 2,804 95,095
Montana 2,323 352,491
Nebraska 1,035 113,850
Nevada 929 70,410
New Hampshire 130 127
New Jersey 1,443 12,449
New Mexico 823 82,531
New York 125 6,496
North Carolina 4,668 18,233
North Dakota 935 173,237
Ohio 1,107 2,441
Oklahoma 3,041 383,592
Oregon 2,232 1,797,796
Pennsylvania 1,448 3,792
Puerto Rico 0 0
Rhode Island 73 75
South Carolina 50 634
South Dakota 675 35,809
Tennessee 596 7,771
Texas 4,967 1,314,903
Utah 1,211 90,417
Vermont 97 180
Virginia 742 56,372
Washington 1,806 275,593
West Virginia 1,104 55,309
Wisconsin 1,162 2,597
Wyoming 738 620,069
United States (1) 64,897 8,924,884

(1) Totals for the United States do not match totals shown elsewhere by the National Interagency Fire Center due to the use of different exhibits.

Source: National Interagency Fire Center.

Regulated Insurance Entities By State, 2020

State Domestic insurers (1) Licensed out-of-state
insurers (2)		 Chartered self-insured
groups or pools		 Chartered
purchasing groups		 All companies
doing business in state 
Alabama  49 1,498 0 11 1,558
Alaska  6 1,137 0 0 1,143
Arizona  135 1,616 25 26 1,802
Arkansas  55 1,518 0 1 1,574
California  131 1,280 0 43 1,454
Colorado  50 1,504 9 41 1,604
Connecticut  102 1,271 0 35 1,408
Delaware  139 1,385 0 116 1,640
D.C.  47 1,355 0 15 1,417
Florida  437 1,651 14 48 2,150
Georgia  71 1,629 36 0 1,736
Hawaii  45 1,116 10 3 1,174
Idaho  19 1,376 17 2 1,414
Illinois  340 1,416 12 163 1,931
Indiana  134 1,665 22 20 1,841
Iowa  207 1,419 3 0 1,629
Kansas  45 1,541 17 13 1,616
Kentucky  52 1,563 10 0 1,625
Louisiana  104 1,501 23 2 1,630
Maine  22 1,197 18 1 1,238
Maryland  56 1,513 5 12 1,586
Massachusetts  78 1,386 21 4 1,489
Michigan  125 1,413 16 11 1,565
Minnesota  145 1,405 20 22 1,592
Mississippi  45 1,536 0 3 1,584
Missouri  181 1,546 12 10 1,749
Montana  34 1,412 0 4 1,450
Nebraska  114 1,473 6 5 1,598
Nevada  39 1,567 8 5 1,619
New Hampshire  60 1,237 0 0 1,297
New Jersey  119 1,356 51 22 1,548
New Mexico  32 2,604 0 0 2,636
New York  555 1,179 8 86 1,828
North Carolina  96 1,509 3 5 1,613
North Dakota  29 1,377 10 2 1,418
Ohio  258 1,539 0 25 1,822
Oklahoma  83 1,741 4 5 1,833
Oregon  44 1,453 0 5 1,502
Pennsylvania  238 1,596 13 33 1,880
Rhode Island  29 1,335 1 24 1,389
South Carolina  84 1,558 0 11 1,653
South Dakota  38 1,417 0 0 1,455
Tennessee  70 1,623 3 8 1,704
Texas  406 1,614 2 48 2,070
Utah  112 1,812 0 12 1,936
Vermont  109 1,197 0 9 1,315
Virginia  67 1,575 14 13 1,669
Washington  37 1,438 0 9 1,484
West Virginia  32 1,412 1 2 1,447
Wisconsin  333 1,668 0 7 2,008
Wyoming  4 1,435 1 1 1,441
Total U.S. (3) 5,929 (4) 415 943 7,287

(1) Insurers that are domiciled in the state. Includes property/casualty, life/annuities, health, fraternal, title, risk retention groups and “other”.
(2) This category is comprised of insurers designated by the NAIC as “foreign insurers”—i.e., insurers whose state of domicile is other than the state in which it is writing business. There is no U.S. total in this column to avoid double counting—i.e., insurers are only included in the figures for states in which they are domiciled.
(3) Totals include U.S. territories and possessions.
(4) No totals shown, so as to avoid double counting.  Totals reflect insurers physically located in the state.

Source: Insurance Department Resources Report, 2020, published by the National Association of Insurance Commissioners (NAIC). Reprinted with permission. Further reprint or redistribution strictly prohibited without written permission of NAIC.

Top 10 States By Gross Surplus Lines Premiums, 2016-2017

($ millions)
Rank  State 2017 2016
1 California  $7,233.7 $8,224.6
2 Texas  5,566.9 5,285.2
3 Florida  5,252.5 4,952.1
4 New York  4,056.5 3,722.0
5 Illinois  1,488.3 1,406.2
6 Louisiana  1,414.0 1,381.2
7 Pennsylvania 1,261.5 1,214.8
8 Georgia  1,167.4 1,087.4
9 Massachusetts  983.9 952.6
10 Washington  899.5 824.7

Source: Business Insurance (www.businessinsurance.com), September 2018.

Homeowners Insurance Industry Underwriting Expenses, 2024 (1)

Expense Percent of premiums
Losses and related expenses (2)  
Loss and loss adjustment expense (LAE) ratio 73.4%
    Incurred losses 65.2
    Defense and cost containment expenses incurred 1.5
    Adjusting and other expenses incurred 6.6
Operating expenses (3)  
Expense ratio 26.0%
    Net commissions and brokerage expenses incurred 11.6
    Taxes, licenses and fees 2.7
    Other acquisition and field supervision expenses incurred 6.5
    General expenses incurred 5.1
Dividends to policyholders (2) 0.4%
Combined ratio after dividends (4) 99.7%

(1) After reinsurance transactions.
(2) As a percent of net premiums earned ($135.6 billion in 2024).
(3) As a percent of net premiums written ($145.7 billion in 2024).
(4) Sum of loss and LAE, expense and dividends ratios. Calculated from unrounded data. 

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

Private Passenger Auto Insurance Industry Underwriting Expenses, 2024 (1)

Expense Percent of premiums
Losses and related expenses (2)  
Loss and loss adjustment expense (LAE) ratio 74.5%
    Incurred losses 65.8
    Defense and cost containment expenses incurred 2.2
    Adjusting and other expenses incurred 6.5
Operating expenses (3)  
Expense ratio 20.3%
    Net commissions and brokerage expenses incurred 7.3
    Taxes, licenses and fees 2.3
    Other acquisition and field supervision expenses incurred 6.2
    General expenses incurred 4.5
Dividends to policyholders (2) 0.5%
Combined ratio after dividends (4) 95.3%

(1) After reinsurance transactions.
(2) As a percent of net premiums earned ($336.8 billion in 2024).
(3) As a percent of net premiums written ($345.9 billion in 2024).
(4) Sum of loss and LAE, expense and dividends ratios. Calculated from unrounded data. 

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

NUMBER AND RATE OF PROPERTY CRIME OFFENSES IN THE UNITED STATES, 2001-2010 (1)

  Burglary Larceny-theft
Year Number Rate Number Rate
2001 2,116,531 741.8 7,092,267 2,485.7
2002 2,151,252 747.0 7,057,379 2,450.7
2003 2,154,834 741.0 7,026,802 2,416.5
2004 2,144,446 730.3 6,937,089 2,362.3
2005 2,155,448 726.9 6,783,447 2,287.8
2006 2,194,993 733.1 6,626,363 2,213.2
2007 2,190,198 726.1 6,591,542 2,185.4
2008 2,228,887 733.0 6,586,206 2,166.1
2009 2,203,313 717.7 6,338,095 2,064.5
2010 2,159,878 699.6 6,185,867 2,003.5
         
  Motor vehicle theft Total property crime (2)
Year Number Rate Number Rate
2001 1,228,391 430.5 10,437,189 3,658.1
2002 1,246,646 432.9 10,455,277 3,630.6
2003 1,261,226 433.7 10,442,862 3,591.2
2004 1,237,851 421.5 10,319,386 3,514.1
2005 1,235,859 416.8 10,174,754 3,431.5
2006 1,198,245 400.2 10,019,601 3,346.6
2007 1,100,472 364.9 9,882,212 3,276.4
2008 959,059 315.4 9,774,152 3,214.6
2009 795,652 259.2 9,337,060 3,041.3
2010 737,142 238.8 9,082,887 2,941.9

(1) Rate is per 100,000 inhabitants.
(2) Property crimes are the offenses of burglary, larceny-theft and motor vehicle theft.

Source: U.S. Department of Justice, Federal Bureau of Investigation, Uniform Crime Reports.

Trends In Personal Injury Lawsuits, 2014-2020 (1)

Year  Award median  Probability range (2) Award range  Award mean 
2014 75,000  $16,000 – $400,000 $1 – $172,061,728 $1,031,742
2015 88,689 20,000  – 493,094 1  –  88,246,000 1,134,864
2016 100,000 23,000 – 529,485 1 – 115,000,000 1,354,355
2017 125,000 21,390 – 648,469 1 – 160,500,000 1,812,681
2018 100,474 22,052 – 550,125  1 – 247,000,000  1,675,013
2019 95,677 20,450 – 517,060 1 – 740,000,000 1,758,308
2020 125,366 25,072 – 613,130 840 – 373,763,109 2,448,978
Overall $100,000 $20,000 – $505,000  $1 – $740,000,000  $1,479,368

(1) Excludes punitive damages.
(2) The middle 50 percent of all awards arranged in ascending order, 25 percent above and below the median award. The median represents the midpoint jury award. Half of the awards are above the median and half are below. This helps establish where awards tend to cluster.

Source: Reprinted with permission of Thomson Reuters, Current Award Trends in Personal Injury, 61st edition.

TOP 10 BEST AND WORST DRIVING CITIES, 2015 (1)

  Best driving cities   Worst driving cities
Rank City, State Collision
likelihood
compared to
national
average (2)		 Average
years
between
collisions		 Rank City, State Collision
likelihood
compared to
national
average (2)		 Average
years
between
collisions
1 Kansas City, KS -24.8% 13.3 1 Boston, MA 157.7% 3.9
2 Brownsville, TX -24.6 13.3 2 Worster, MA 120.7 4.5
3 Boise, ID -23.5 13.1 3 Baltimore, MD 113.9 4.7
4 Fort Collins, CO -21.1 12.7 4 Washington, DC 106.3 4.8
5 Cape Coral, FL -21.0 12.7 5 Springfield, MA 93.1 5.2
6 Madison, WI -18.2 12.2 6 Providence, RI 87.4 5.3
7 Cedar Rapids, IA -15.1 11.8 7 Glendale, CA 79.4 5.6
8 Laredo, TX -14.7 11.7 8 San Francisco, CA 65.0 6.1
9 Huntsville, AL -14.7 11.7 9 Philadelphia, PA 64.4 6.1
10 Cary, NC -13.8 11.6 10 Los Angeles, CA 63.3 6.1

(1) Allstate's survey of the 200 largest cities in America based on car collision frequency.
(2) For example, drivers in Kansas City, KS are 24.8 percent less likely to experience a car collision while drivers in Boston, MA are 157.7 percent more likely to experience a car collision.

Source: Allstate.

National Flood Insurance Program Payouts By State, 2016 (1)

State name Total number of claims Total claim payments
($ millions)
Alabama  407 $8.51
Alaska 8 0.08
Arizona 110 0.49
Arkansas 446 10.36
California 337 4.59
Colorado 55 0.10
Connecticut 28 0.07
Delaware 176 1.32
D.C. 15 0.01
Florida 3,310 17.02
Georgia 675 10.08
Hawaii 86 0.82
Idaho 10 0.02
Illinois 475 4.96
Indiana 111 0.54
Iowa 549 0.49
Kansas 177 1.78
Kentucky 49 1.43
Louisiana 35,155 804.89
Maine 13 0.07
Maryland 257 3.27
Massachusetts 39 0.18
Michigan 123 0.26
Minnesota 112 0.57
Mississippi 919 20.04
Missouri 1,726 72.07
Montana 8 0.00
Nebraska 100 0.19
Nevada 12 0.07
New Hampshire 11 0.04
New Jersey 1,702 26.05
New Mexico 34 0.11
New York 233 0.99
North Carolina 1,336 9.44
North Dakota 3 0.00
Ohio 81 0.52
Oklahoma 282 10.11
Oregon 255 5.81
Pennsylvania 172 1.56
Rhode Island 5 0.01
South Carolina 5,643 139.81
South Dakota 5 0.09
Tennessee 234 2.72
Texas 16,024 696.03
Utah 10 0.02
Vermont 5 0.01
Virginia 228 4.36
Washington 435 7.02
West Virginia 1,131 35.02
Wisconsin 102 0.42
Wyoming 9 0.06
Guam 0 0.00
Puerto Rico 14 0.11
Virgin Islands 2 0.02
Total U.S. 73,444 $1,904.62

(1) October 1, 2015 through September 30, 2016.
Source: U.S. Department of Homeland Security, Federal Emergency Management Agency.

Top 10 Writers Of Commercial Insurance In Vermont By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Liberty Mutual $69,943 10.0%
2 W. R. Berkley Corp. 56,395 8.1
3 Travelers Companies Inc. 46,814 6.7
4 The Cincinnati Insurance Cos. 25,136 3.6
5 AmTrust Financial 24,579 3.5
6 Berkshire Hathaway Inc. 22,217 3.2
7 Vermont Mutual Insurance Co. 18,966 2.7
8 Chubb 18,679 2.7
9 CNA 17,233 2.5
10 American International Group (AIG) 17,204 2.5

(1) Before reinsurance transactions.

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

Top 10 Writers Of Homeowners Insurance In Vermont By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Vermont Mutual Insurance Co. $26,483 12.5%
2 Liberty Mutual 25,226 11.9
3 Patrons Mutual Fire Insurance Co. 22,880 10.8
4 State Farm 16,357 7.7
5 USAA Insurance Group 12,780 6.0
6 Concord Group Insurance Companies 12,327 5.8
7 Chubb 11,276 5.3
8 Allstate Corp. 10,481 4.9
9 Travelers Companies Inc. 10,448 4.9
10 Union Mutual 8,644 4.1

(1) Before reinsurance transactions.

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

Top 10 Writers Of Commercial Insurance In Georgia By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Travelers Companies Inc. $520,368 5.7%
2 Liberty Mutual 467,456 5.1
3 Chubb 448,156 4.9
4 American International Group (AIG) 336,481 3.7
5 Berkshire Hathaway Inc. 327,435 3.6
6 Zurich 301,176 3.3
7 Auto-Owners Insurance Co. 280,406 3.1
8 CNA 276,438 3.0
9 Hartford Financial Services 264,412 2.9
10 State Farm 241,419 2.6

(1) Before reinsurance transactions.

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

Top 10 Writers Of Homeowners Insurance In Georgia By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $923,431 25.9%
2 Allstate Corp. 444,808 12.5
3 USAA Insurance Group 399,371 11.2
4 Travelers Companies Inc. 212,935 6.0
5 Liberty Mutual 197,929 5.5
6 Auto-Owners Insurance Co. 172,823 4.8
7 Farmers Insurance Group 159,001 4.5
8 Georgia Farm Bureau 122,669 3.4
9 American Family Insurance Group 102,235 2.9
10 Nationwide Mutual Group 96,576 2.7

(1) Before reinsurance transactions.

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

TOP 10 MOST COSTLY U.S. CIVIL DISORDERS

($ millions)
      Estimated insured loss (1)
Rank Date Location Dollars when occurred In 2016 dollars (2)
1 Apr. 29-May 4, 1992 Los Angeles, CA $775.0 $1,333.2
2 Jul. 23-31, 1967 Detroit, MI 41.5 299.9
3 Aug. 11, 1965 Los Angeles, CA 38.0 291.2
4 May 17-19, 1980 Miami, FL 65.3 191.3
5 Jul. 13-14, 1977 New York City, NY 28.0 (3) 111.5
6 April 25-27, 2015 Baltimore, MD 23.9 24.3
7 Jul. 12-21, 1967 Newark, NJ 11.0 79.5
8 Jul. 12, 1966 Chicago, IL 4.0 29.8
9 Jun. 13-15, 1971 Albuquerque, NM 3.0 17.9
10 Jul. 23-24, 1968 Cleveland, OH 1.5 10.4

(1) Includes riots and civil disorders causing insured losses to the industry of at least $1 million up to 1992, $5 million from 1992 to 1996, and $25 million thereafter. Events as of April 30, 2015.
(2) Adjusted to 2016 dollars by the Insurance Information Institute using the Bureau of Labor Statistics' Consumer Price Index Inflation Calculator.
(3) Includes losses caused primarily by fires, looting, vandalism and malicious mischief.

Source: The Property Claim Services; (PCS®), a Verisk Analytics® business; Insurance Information Institute.

Top 10 States By Number Of Cybercrime Complaints And By Losses, 2024 (1)

Rank State Number Rank State Losses
($ millions)
1 California 96,265 1 California $2,539
2 Texas 62,347 2 Texas 1,352
3 Florida 52,191 3 Florida 1,072
4 New York 36,468 4 New York 904
5 Pennsylvania 27,838 5 Illinois 479
6 Illinois 25,446 6 New Jersey 435
7 Ohio 24,915 7 Georgia 420
8 Indiana 23,689 8 Pennsylvania 400
9 North Carolina 22,021 9 Arizona 392
10 Arizona 20,101 10 Washington 368

(1) Based on the total number of complaints submitted to the Internet Crime Complaint Center via its website from each state where the complainant provided state information.

Source: Internet Crime Complaint Center.

Insurance Business In The U.S. Written By Subsidiaries Of Foreign-Controlled Companies, 2013-2017

(US$ millions)
  Gross premiums written
          2017
  2013 2014 2015 2016 Amount Percent of total
Life $143,429 $150,000 $145,373 $154,523 $163,386 63.2%
Nonlife 74,219 76,306 78,314 92,272 95,229 36.8
Total  $217,648 $226,306 $223,687 $246,795 $258,615 100.0%

Source: Organization for Economic Cooperation and Development.

Basic Annual Expenses for Dogs and Cats (1)

Expense Dog Cat
Total veterinary $331 $179
Food 293 194
Medications 97 47
Treats 60 42
Toys 37 25

(1) APPA does not ask survey participants how much in total they spend on their dog or cats annually. The expenses listed above are not all inclusive and each category was asked separately of the survey participant.

Source: American Pet Products Association’s 2024-2025 National Pet Owners Survey.

Total U.S. Pet Industry Expenditures, 2016-2025 (1)

($ billions)
Year Expenditure (2)
2016 $67
2017 70
2018 91
2019 96
2020 103
2021 124
2022 137
2023 147
2024 152
2025 157

(1) Includes food, supplies and over-the-counter medicine, veterinary care, live animal purchases and grooming and boarding.
(2) Expenditures for 2024 and 2025 are estimated from the American Pet Products Association’s 2024-2025 National Pet Owners Survey.

Source: American Pet Products Association’s National Pet Owners Surveys.

Total Number Of Pets Owned In The United States, By Type Of Animal

(millions)
Pet Number
Freshwater fish 139.3
Cat 94.2
Dog 89.7
Bird 20.3
Saltwater fish 18.8
Small animal 14.0
Reptile 9.4
Horse 7.6

Source: American Pet Products Association’s 2017-2018 National Pet Owners Survey.

Number Of U.S. Households That Own A Pet, by Type Of Animal

(millions)
Pet Number
Dog 68.0
Cat 49.0
Freshwater fish 9.6
Small animal 5.7
Bird 5.5
Reptile 5.9
Horse 2.3
Saltwater fish 1.9

Source: American Pet Products Association’s 2024-2025 National Pet Owners Survey.

INDIVIDUAL ANNUITY CONSIDERATIONS, 2005-2009 (1)

($ billions)
      Total
Year Variable Fixed Amount Percent change
from prior year
2005 $136.9 $79.5 $216.4 -2.0%
2006 160.4 78.3 238.7 10.3
2007 184.0 72.8 256.8 7.6
2008 155.7 109.3 265.0 3.2
2009 127.0 107.9 234.9 -11.4

(1) Based on LIMRA’s estimates of the total annuity sales market. Includes some considerations (i.e., premiums) that though bought in group settings involve individual buying decisions.

Source: LIMRA International.

Top 10 Writers Of Homeowners Insurance In North Carolina By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $488,636 16.9%
2 North Carolina Farm Bureau Insurance Group 351,834 12.2
3 Nationwide Mutual Group 271,396 9.4
4 USAA Insurance Group 257,066 8.9
5 Allstate Corp. 187,671 6.5
6 Erie Insurance Group 161,876 5.6
7 Travelers Companies Inc. 102,753 3.6
8 Liberty Mutual 100,365 3.5
9 Auto-Owners Insurance Co. 91,442 3.2
10 American Family Insurance Group 64,125 2.2

(1) Before reinsurance transactions.

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

Selected Examples of Historic Nuclear Events, as Classified by the INES Scale (1)

Level INES description Example Location Year
1 Anomaly Fast stop of the main circulation pumps
and simultaneous loss of their fly wheel
systems during reactor scram		 Olkiluoto Nuclear Power Plant,  Finland 2008
    Exposure of two workers in the nuclear power plant beyond the dose constraints Rajasthan Nuclear Power Plant, India 2012
2 Incident Reactor trip due to high pressure in the reactor pressure vessel Laguna Verde Nuclear
Power Plant, Mexico		 2011
    Overexposure of a practitioner in interventional radiology exceeding the annual limit Paris, France 2013
3 Serious incident Release of iodine 131 into the environment from the radioelements production facility Fleurus, Belgium 2008
    Severe overexposure of a radiographer Lima, Peru 2012
4 Accident with local consequences Radioactive material in scrap metal facility resulted in acute exposure of scrap dealer New Delhi, India 2010
    Overexposure of four workers at an irradiation facility Stamboliysky, Bulgaria 2011
5 Accident with wider consequences Severe damage to the reactor core Three Mile Island Nuclear Power Plant, USA 1979
    Four people died after being overexposed from an abandoned and ruptured high activity source Goiania, Brazil  1987
6 Serious accident Significant release of radioactive material to the environment after the explosion of a high activity waste tank Kyshtym, Russian Federation 1957
7 Major accident Significant release of radioactive material to the environment resulting in widespread health and environmental effects  Chernobyl, Ukraine 1986
    Significant release of radioactive material to the environment resulting in widespread environmental effects Fukushima, Japan 2011

(1) International Nuclear and Radiological Event Scale.

Source: International Atomic Energy Agency. INES Flyer.

Top 20 Deadliest Large-Loss Fires in U.S. History (1)

Rank Date Event Location Fatalities
1 Sep. 11, 2001 The World Trade Center New York, NY 2,666 (2)
2 Dec. 30, 1903 Iroquois Theatre Chicago, IL 602
3 Nov. 28, 1942 Cocoanut Grove night club Boston, MA 492
4 Apr. 21, 1930 Ohio State Penitentiary Columbus, OH 320
5 Mar. 18, 1937 Consolidated School gas explosion New London, TX 294
6 Dec. 5, 1876 Conway’s Theatre Brooklyn, NY 285
7 Apr. 23, 1940 Rhythm Club Natchez, MS 207
8 Mar. 4, 1908 Lakeview Grammar School Collinwood, OH 175
9 Jan. 12, 1908 Rhodes Opera House Boyertown, PA 170
10 Jul. 6, 1944 Ringling Brothers Barnum & Bailey Circus Hartford, CT 168
10 Apr. 19, 1995 Alfred P. Murrah Federal Building Oklahoma City, OK 168
12 May 28, 1977 Beverly Hills Supper Club Southgate, KY 165
13 Mar. 25, 1911 Triangle Shirtwaist Company New York, NY 146
14 Apr. 10, 1917 Eddystone Ammunition Company plant explosion Eddystone, PA 133
15 May 15, 1929 Cleveland Clinic Hospital Cleveland, OH 125
16 Dec. 7, 1946 Winecoff Hotel Atlanta, GA 119
17 Feb. 20, 2003 The Station Nightclub W. Warwick, RI 100
18 Dec. 1, 1958 Our Lady of the Angels School Chicago, IL 95
19 Mar. 25, 1990 Happy Land Social Club New York, NY 87
20 Nov. 21, 1980 MGM Grand Hotel Las Vegas, NV 85

(1) Based on deadliest single-builiding or complex fires and explosions.
(2) Revised to 2,976 by government officials

Source: National Fire Protection Association. www.nfpa.org

NUMBER OF RISK RETENTION GROUPS BY BUSINESS AREA, 2010-2011

Business area 2010 2011 (1)
Environmental 5 6
Financial 2 1
Government and institutions 15 14
Healthcare 154 154
Leisure 4 4
Manufacturing and commerce 16 15
Professional services 10 14
Property development 24 24
Transportation 21 21
Total 251 253

(1) Projected.

Source: November, 2011,  Risk Retention Reporter.

Life Insurance Industry Benefits and Claims, 2020-2024

($000)
  2020 2021 2022 2023 2024
Death benefits $90,433,433 $100,198,058 $91,678,955 $89,019,927 $88,529,685
Matured endowments, excluding annual pure endowments 497,040 528,475 606,576 515,427 464,011
Annuity benefits 88,848,211 95,110,207 92,884,072 101,306,627 106,922,388
Disability, accident and health benefits (1) 135,526,217 144,920,228 138,635,241 153,979,211 175,648,709
Coupons, pure endowment and similar benefits 4,297 5,828 3,489 3,736 3,970
Surrender benefits, withdrawals for life contracts 327,921,729 367,482,764 353,038,354 416,237,299 484,214,202
Group conversions 13,980 17,348 15,709 28,648 45,460
Interest and adjustments on deposit type contracts 10,236,865 9,286,939 12,798,835 18,517,180 22,175,315
Payments on supplementary contracts with life contingencies 2,710,766 2,584,854 2,596,714 2,820,162 2,882,837
Increase in aggregate reserve 100,110,444 80,017,664 118,854,267 49,386,307 84,735,699
Total benefits and claims $756,302,980 $800,152,364 $811,112,210 $831,814,523 $965,622,277

(1) Excludes benefits paid by health insurance companies and property/casualty insurance companies.

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

Fatal Crashes By First Harmful Event, Type Of Collision, 2023

Type of collision Number Percent of total fatal crashes
Collision with moving motor vehicle    
Angle 7,044 18.7
Rear end 2,701 7.2
Sideswipe 967 2.6
Head on 4,230 11.2
Other/unknown 175 0.5
     Total 15,117 40.1%
Collision with fixed object    
Pole/post 1,501 4.0
Culvert/curb/ditch 2,549 6.8
Shrubbery/tree 2,535 6.7
Guard rail 878 2.3
Embankment 800 2.1
Bridge 196 0.5
Other/unknown 1,912 5.1
     Total 10,371 27.5%
Collision with object, not fixed    
Parked motor vehicle 463 1.2
Animal 218 0.6
Pedestrian 6,777 18.0
Pedalcyclist 1,145 3.0
Train 110 0.3
Other/unknown 523 1.4
     Total 9,236 24.5%
Noncollision    
Rollover 2,515 6.7
Other/unknown 368 1.0
     Total 2,883 7.7%
Total (1) 37,654  

(1) Includes 47 fatal crashes with unknown first harmful events.

Source: U.S. Department of Transportation, National Highway Traffic Safety Administration. 

Top 10 Writers Of Individual Annuities By Direct Premiums Written, 2024

($000)
Rank Group/company Direct premiums written (1) Market share (2)
1 Athene Holding Ltd. $36,385,195 8.7%
2 Corebridge Financial 25,642,786 6.1
3 Massachusetts Mutual Life Insurance Co.  23,981,312 5.7
4 Allianz 22,230,820 5.3
5 New York Life Insurance Group  20,246,183 4.8
6 Equitable Holdings 19,793,880 4.7
7 Jackson National Life Group  17,563,797 4.2
8 Nationwide 17,520,723 4.2
9 Global Atlantic 14,772,151 3.5
10 Lincoln National Corp.  14,445,508 3.4

(1) Includes individual and group annuities.
(2) Based on U.S. total, excluding territories.

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

Top 20 Costliest World Insurance Losses, 2017 (1)

(US$ millions)
Rank Date Country/region Event Insured loss
in U.S. dollars
1 Sep. 19 U.S., Caribbean Hurricane Maria $32,000
2 Sep. 6 U.S., Caribbean Hurricane Irma 30,000
3 Aug. 25 U.S. Hurricane Harvey (Category 4), severe inland flood in Houston 30,000
4 Oct. 8 U.S. Wildland fire “Tubbs Fire“ 7,710
5 Oct. 8 U.S. Wildland fire “Atlas Fire“ 2,666
6 May 8 U.S. Hailstorm, thunderstorms, tornadoes, severe hail damage in Denver, CO 2,507
7 Mar. 26 U.S. Hailstorm, thunderstorms, tornadoes 1,967
8 Dec. 4 U.S. Wildland fire “Thomas Fire“ 1,787
9 Mar. 6 U.S. Thunderstorms, tornadoes, hail 1,600
10 Jun. 11 U.S. Hailstorm in Minnesota 1,549
11 Feb. 28 U.S. Thunderstorms, tornadoes, large hail 1,370
12 Mar. 28 Australia Cyclone Debbie, storm surge 1,306
13 Sep. 19 Mexico Earthquake Mw 7.1 1,200
14 Jun. 27 U.S. Thunderstorms, large hail, tornadoes 1,131
15 Aug. 23 China, Vietnam, Hong Kong Typhoon Hato 1,107
16 Apr. 19 Europe Cold spell brings frost damage 930
17 Jan. 11 United Arab Emirates Fire at a refinery (2)
18 Oct. 18 Philippines, Japan Typhoon Lan (Paolo) 888
19 Jan. 18 U.S. Major tornado outbreak, 1 EF3 tornado in Hattiesburg, MS 853
20 Mar. 14 Canada Fire at a refinery (2)

(1) Property and business interruption losses, excludes life and liability losses. Includes flood losses in the U.S. insured via the National Flood Insurance Program. Loss data shown here may differ from figures shown elsewhere for the same event due to differences in the date of publication, the geographical area covered and other criteria used by organizations collecting the data.
(2) Data not released by Swiss Re.

Source: Swiss Re, sigma, No. 1/2018; Property Claim Services (PCS®), a Verisk Analytics® business, insured losses for natural catastrophes in the United States.

LEADING WRITERS OF HOMEOWNERS INSURANCE IN NEW ENGLAND BY DIRECT PREMIUMS WRITTEN, 2014 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Liberty Mutual $551,951 11.6%
2 Chubb Corp. 305,838 6.5
3 MAPFRE 297,569 6.3
4 Travelers Companies Inc. 277,278 5.8
5 Allstate Corp. 231,800 4.9
6 Amica Mutual Insurance Co. 209,102 4.4
7 USAA Insurance Group 206,363 4.4
8 Andover Companies 181,402 3.8
9 State Farm Mutual Automobile Insurance 173,770 3.7
10 Arbella Mutual Insurance Co. 170,098 3.6

(1) Before reinsurance transactions.

Source: SNL Financial LC.

LEADING WRITERS OF COMMERCIAL INSURANCE IN NEW ENGLAND BY DIRECT PREMIUMS WRITTEN, 2014 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Travelers Companies Inc. $1,125,839 7.8%
2 Liberty Mutual 976,887 6.8
3 American International Group (AIG) 891,278 6.2
4 W. R. Berkley Corp. 614,424 4.3
5 Hartford Financial Services 581,123 4.0
6 Chubb Corp. 567,429 3.9
7 Zurich Insurance Group (2) 484,040 3.3
8 CNA Financial Corp. 464,883 3.2
9 Hanover Insurance Group Inc. 368,076 2.5
10 ACE Ltd. 344,346 2.4

(1) Before reinsurance transactions.
(2) Data for Farmers Insurance Group of Companies and Zurich Financial Group (which owns Farmers' management company) are reported separately by SNL Financial.

Source: SNL Financial LC.

Top 10 Writers Of Commercial Insurance In North Carolina By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Travelers Companies Inc. $472,254 6.1%
2 Liberty Mutual 390,864 5.0
3 Chubb 370,311 4.8
4 Zurich 318,849 4.1
5 Nationwide Mutual Group 271,113 3.5
6 Hartford Financial Services 262,624 3.4
7 American International Group (AIG) 229,240 3.0
8 Berkshire Hathaway Inc. 210,952 2.7
9 The Cincinnati Insurance Cos. 201,288 2.6
10 Erie Insurance Group 197,080 2.5

(1) Before reinsurance transactions.

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

Top 10 Writers Of Commercial Insurance In Virginia By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Travelers Companies Inc. $395,153 6.1%
2 Chubb 345,558 5.4
3 Liberty Mutual 296,044 4.6
4 Erie Insurance Group 289,666 4.5
5 Zurich 265,704 4.1
6 American International Group (AIG) 255,869 4.0
7 Hartford Financial Services 251,867 3.9
8 Nationwide Mutual Group 214,512 3.3
9 CNA 209,607 3.3
10 Berkshire Hathaway Inc. 149,944 2.3

(1) Before reinsurance transactions.

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

Top 10 Writers Of Homeowners Insurance In Virginia By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 USAA Insurance Group $476,455 19.5%
2 State Farm 428,903 17.6
3 Travelers Companies Inc. 223,411 9.2
4 Allstate Corp. 208,803 8.6
5 Nationwide Mutual Group 171,526 7.0
6 Liberty Mutual 142,215 5.8
7 Erie Insurance Group 133,940 5.5
8 American Family Insurance Group 88,529 3.6
9 Virginia Farm Bureau Federation 51,145 2.1
10 Farmers Insurance Group 49,547 2.0

(1) Before reinsurance transactions.

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

Top 10 Writers of Commercial Insurance In Rhode Island By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Beacon Mutual Insurance Co. $120,457 10.2%
2 Travelers Companies Inc. 72,676 6.2
3 Chubb 64,071 5.4
4 Liberty Mutual 58,044 4.9
5 Hartford Financial Services 46,010 3.9
6 Berkshire Hathaway Inc. 43,962 3.7
7 American International Group (AIG) 39,676 3.4
8 Allianz 39,619 3.4
9 Zurich 35,761 3.0
10 Nationwide Mutual Group 35,325 3.0

(1) Before reinsurance transactions.

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

Top 10 Writers Of Homeowners Insurance In Rhode Island By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Amica Mutual Insurance Co. $71,921 16.3%
2 Allstate Corp. 53,314 12.1
3 Liberty Mutual 36,084 8.2
4 USAA Insurance Group 29,730 6.8
5 UPC Insurance 27,278 6.2
6 Nationwide Mutual Group 25,583 5.8
7 Andover Companies 22,886 5.2
8 Heritage Insurance 21,260 4.8
9 American Family Insurance Group 19,722 4.5
10 MetLife Inc. 17,283 3.9

(1) Before reinsurance transactions.

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

Top 10 Writers Of Commercial Insurance In New York By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Chubb $2,084,818 7.6%
2 Travelers Companies Inc. 1,910,551 6.9
3 Berkshire Hathaway Inc. 1,303,556 4.7
4 Liberty Mutual 1,143,530 4.2
5 American International Group (AIG) 1,078,466 3.9
6 Hartford Financial Services 1,056,664 3.8
7 Zurich 956,913 3.5
8 CNA 800,989 2.9
9 Tokio Marine Group 719,155 2.6
10 AmTrust Financial 650,750 2.4

(1) Before reinsurance transactions.

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

Top 10 Writers Of Homeowners Insurance In New York By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Allstate Corp. $780,430 13.9%
2 State Farm 726,429 12.9
3 Chubb 645,689 11.5
4 Travelers Companies Inc. 448,502 8.0
5 Liberty Mutual 444,545 7.9
6 National General Holdings Corp. 230,084 4.1
7 NYCM Insurance Group 191,179 3.4
8 Heritage Insurance 175,810 3.1
9 American International Group (AIG) 163,249 2.9
10 USAA Insurance Group 150,120 2.7

(1) Before reinsurance transactions.

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

Top 10 Writers Of Commercial Insurance In New Jersey By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Travelers Companies Inc. $723,299 6.2%
2 Liberty Mutual 666,899 5.7
3 Chubb 644,947 5.5
4 Hartford Financial Services 618,234 5.3
5 Berkshire Hathaway Inc. 528,125 4.5
6 NJM Insurance Group 521,056 4.4
7 Zurich 500,848 4.3
8 Selective 486,180 4.1
9 CNA 346,549 3.0
10 American International Group (AIG) 338,519 2.9

(1) Before reinsurance transactions.

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

Top 10 Writers Of Homeowners Insurance In New Jersey By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 NJM Insurance Group $302,296 10.5%
2 State Farm 296,286 10.3
3 Allstate Corp. 267,278 9.3
4 Liberty Mutual 240,260 8.4
5 Chubb 183,259 6.4
6 Travelers Companies Inc. 155,987 5.4
7 American Family Insurance Group 140,453 4.9
8 Plymouth Rock of New Jersey 132,587 4.6
9 USAA Insurance Group 119,661 4.2
10 National General Holdings Corp. 89,380 3.1

(1) Before reinsurance transactions.

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

Top 10 Writers Of Commercial Insurance In Massachusetts By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Travelers Companies Inc. $600,697 7.4%
2 Chubb 569,966 7.0
3 Liberty Mutual 527,145 6.5
4 American International Group (AIG) 386,073 4.7
5 Hartford Financial Services 300,050 3.7
6 Zurich 260,966 3.2
7 CNA 255,958 3.1
8 W. R. Berkley Corp. 254,195 3.1
9 Tokio Marine Group 243,665 3.0
10 Berkshire Hathaway Inc. 229,080 2.8

(1) Before reinsurance transactions.

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

Top 10 Writers Of Homeowners Insurance In Massachusetts By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 MAPFRE $336,455 13.1%
2 Liberty Mutual 250,642 9.8
3 Safety Insurance 179,539 7.0
4 Chubb 162,516 6.3
5 Andover Companies 156,578 6.1
6 Arbella Insurance 144,267 5.6
7 Amica 106,360 4.1
8 Travelers 104,646 4.1
9 USAA 104,629 4.1
10 Vermont Mutual Insurance 95,270 3.7

(1) Before reinsurance transactions.

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

Top 10 Writers Of Commercial Insurance In Maryland By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Chubb $372,271 6.9%
2 Travelers Companies Inc. 336,668 6.3
3 Erie Insurance Group 259,217 4.8
4 Hartford Financial Services 252,773 4.7
5 CNA 210,425 3.9
6 Liberty Mutual 204,010 3.8
7 Chesapeake Employers’ Insurance Co. 197,939 3.7
8 Berkshire Hathaway Inc. 180,114 3.4
9 Zurich 179,106 3.3
10 Nationwide Mutual Group 170,853 3.2

(1) Before reinsurance transactions.

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

Top 10 Writers Of Homeowners Insurance In Maryland By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $345,314 17.6%
2 USAA Insurance Group 240,264 12.2
3 Allstate Corp. 224,571 11.4
4 Erie Insurance Group 212,855 10.8
5 Travelers Companies Inc. 199,965 10.2
6 Liberty Mutual 153,948 7.8
7 Nationwide Mutual Group 137,384 7.0
8 American Family Insurance Group 98,897 5.0
9 Chubb 50,261 2.6
10 Hartford Financial Services 24,770 1.3

(1) Before reinsurance transactions.

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

Top 10 Writers Of Commercial Insurance In Maine By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 MEMIC $159,828 13.1%
2 Liberty Mutual 106,348 8.7
3 W. R. Berkley Corp. 101,904 8.4
4 Hanover Insurance Group Inc. 74,662 6.1
5 Travelers Companies Inc. 58,381 4.8
6 Chubb 43,947 3.6
7 Frankenmuth Mutual Insurance Co. 39,985 3.3
8 Medical Mutual Insurance Co. of Maine 37,947 3.1
9 MMG Insurance Co. 36,969 3.0
10 Tokio Marine Group 25,956 2.1

(1) Before reinsurance transactions.

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

Top 10 Writers Of Homeowners Insurance In Maine By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $54,154 12.0%
2 Liberty Mutual 50,168 11.1
3 Allstate Corp. 28,164 6.3
4 USAA Insurance Group 25,359 5.6
5 Hanover Insurance Group Inc. 24,700 5.5
6 MMG Insurance Co. 23,467 5.2
7 Concord Group Insurance Companies 21,878 4.9
8 Vermont Mutual Insurance Co. 21,322 4.7
9 Quincy Mutual 20,942 4.6
10 Chubb 20,296 4.5

(1) Before reinsurance transactions.

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

Top 10 Writers Of Commercial Insurance In Delaware By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Nuclear Electric Insurance Ltd. $216,827 14.6%
2 Great American Insurance 107,856 7.3
3 Liberty Mutual 82,452 5.6
4 Zurich 64,561 4.3
5 Chubb 63,314 4.3
6 Travelers Companies Inc. 49,716 3.3
7 American International Group (AIG) 48,763 3.3
8 Donegal 43,184 2.9
9 Hartford Financial Services 43,113 2.9
10 Nationwide Mutual Group 42,623 2.9

(1) Before reinsurance transactions.

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

Top 10 Writers Of Homeowners Insurance In Delaware By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $74,925 25.0%
2 Liberty Mutual 34,199 11.4
3 Nationwide Mutual Group 32,199 10.7
4 USAA Insurance Group 24,439 8.2
5 Allstate Corp. 20,653 6.9
6 American Family Insurance Group 14,021 4.7
7 Travelers Companies Inc. 13,081 4.4
8 Chubb 10,567 3.5
9 Hartford Financial Services 8,185 2.7
10 QBE Insurance Group Ltd. 6,544 2.2

(1) Before reinsurance transactions.

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

Top 10 Writers Of Commercial Insurance In Connecticut By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Chubb $333,856 7.7%
2 Travelers Companies Inc. 324,767 7.5
3 Hartford Financial Services 273,987 6.3
4 Liberty Mutual 267,471 6.2
5 CNA 161,935 3.7
6 American International Group (AIG) 160,627 3.7
7 Zurich 155,371 3.6
8 W. R. Berkley Corp. 137,496 3.2
9 Berkshire Hathaway Inc. 131,096 3.0
10 Tokio Marine Group 128,674 3.0

(1) Before reinsurance transactions.

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

Top 10 Writers Of Homeowners Insurance In Connecticut By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Liberty Mutual $157,288 10.0%
2 Chubb 156,333 10.0
3 Travelers Companies Inc. 124,635 8.0
4 State Farm 97,033 6.2
5 USAA Insurance Group 82,684 5.3
6 Allstate Corp. 79,652 5.1
7 Amica Mutual Insurance Co. 79,027 5.0
8 American Family Insurance Group 70,171 4.5
9 National General Holdings Corp. 58,634 3.7
10 Nationwide Mutual Group 56,034 3.6

(1) Before reinsurance transactions.

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

Warranty Insurance, 2015-2024

($000)
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2015 $1,017,792 -0.2% 107.9 14.4 pts.
2016 930,239 -8.6 88.8 -19.1
2017 1,090,588 17.2 90.6 1.8
2018 1,247,677 14.4 95.4 4.8
2019 1,155,271 -7.4 104.7 9.4
2020 1,238,136 7.2 84.7 -20.1
2021 1,426,670 15.2 87.7 3.0
2022 1,238,289 -13.2 88.2 0.5
2023 1,188,054 -4.1 94.9 6.7
2024 1,294,077 8.9 97.7 2.8

(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.

Excess Workers Compensation Insurance, 2015-2024

($000)
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2015 $929,389 1.0% 112.0 4.6 pts.
2016 889,194 -4.3 109.2 -2.8
2017 796,579 -10.4 123.6 14.4
2018 1,097,710 37.8 116.6 -7.0
2019 931,106 -15.2 111.4 -5.3
2020 886,907 -4.7 89.9 -21.5
2021 929,024 4.7 105.2 15.3
2022 965,606 3.9 97.7 -7.5
2023 952,417 -1.4 48.2 -49.5
2024 1,060,690 11.4 41.6 -6.6

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

Top 10 Writers Of Earthquake Insurance By Direct Premiums Written, 2024

($000)
Rank Group/company Direct premiums written (1) Market share (2)
1 California Earthquake Authority (3) $882,827 14.6%
2 FM Global  574,275 9.5
3 Palomar Specialty Insurance Co. 515,116 8.5
4 Zurich Insurance Group 437,071 7.2
5 State Farm 339,265 5.6
6 Berkshire Hathaway 292,870 4.9
7 Travelers Companies Inc. 255,926 4.2
8 Chubb Ltd. 224,120 3.7
9 QBE 191,459 3.2
10 GeoVera Holdings 152,310 2.5

(1) Before reinsurance transactions, includes state funds. Direct premiums written for earthquake line of business.
(2) Based on U.S. total, includes territories.
(3) California Earthquake DWP obtained from its financial statements reported on its website.

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

Direct Premiums Written, Property/Casualty Insurance, By State By Line, 2024 (1) (Cont’d)

($000)
State Multiple peril crop Private crop Miscellaneous Mortgage guaranty Private flood Pet insurance
Alabama $99,787 $948 $43,975 $66,461 $13,097 $18,287
Alaska 54 0 2,144 17,577 2,172 12,237
Arizona 185,456 4,046 24,116 165,238 14,883 86,727
Arkansas 266,274 38,247 7,220 36,449 6,350 8,518
California 863,905 17,512 158,500 533,381 119,610 906,822
Colorado 292,398 22,800 44,055 148,834 14,578 145,242
Connecticut 10,335 0 9,464 72,644 17,781 101,080
Delaware 11,955 108 1,287 22,004 4,579 15,054
D.C. 0 0 24,816 16,950 3,378 26,548
Florida 278,332 492 203,714 456,300 285,870 301,343
Georgia 284,837 4,243 57,610 209,495 23,184 86,327
Hawaii 2,202 0 2,508 19,368 13,242 26,252
Idaho 162,402 14,568 2,742 40,566 2,715 15,562
Illinois 892,563 160,682 49,117 252,782 31,925 156,148
Indiana 481,945 45,173 25,943 126,623 15,143 40,567
Iowa 1,222,167 149,935 9,657 52,702 6,148 17,049
Kansas 1,088,520 73,222 13,684 46,591 4,085 15,627
Kentucky 198,911 8,656 7,725 50,814 9,554 19,146
Louisiana 183,269 6,477 28,711 58,845 26,634 21,806
Maine 14,313 0 2,459 19,873 3,493 27,034
Maryland 38,107 238 19,063 158,787 10,756 105,100
Massachusetts 5,825 0 46,020 118,982 29,368 221,077
Michigan 277,918 8,670 58,350 194,462 15,371 73,148
Minnesota 936,724 149,056 48,579 152,476 7,135 50,688
Mississippi 180,745 6,506 35,536 25,713 9,340 6,695
Missouri 508,984 42,853 32,324 100,695 10,914 33,957
Montana 325,625 590 2,540 14,975 3,773 8,658
Nebraska 875,106 397,540 10,848 34,533 3,325 10,495
Nevada 113,982 10 8,051 84,119 6,291 60,235
New Hampshire 342 0 5,033 29,254 3,383 42,439
New Jersey 6,930 0 114,795 164,053 73,450 236,804
New Mexico 209,876 2,210 6,415 30,499 3,236 14,685
New York 86,755 231 191,044 207,369 92,949 384,703
North Carolina 345,942 3,978 30,850 187,164 28,292 111,745
North Dakota 1,265,494 124,610 1,302 16,056 1,073 3,503
Ohio 337,040 21,874 55,121 190,384 22,161 92,859
Oklahoma 300,756 9,813 16,788 50,392 6,060 14,124
Oregon 169,249 2,801 9,813 88,101 9,627 74,791
Pennsylvania 72,343 1,503 39,262 199,687 32,775 199,653
Rhode Island 165 0 59,887 18,029 4,785 22,490
South Carolina 131,042 278 13,286 91,911 39,773 48,449
South Dakota 986,763 74,430 2,500 13,901 1,222 2,710
Tennessee 111,637 3,406 21,310 108,900 16,070 47,881
Texas 1,728,828 45,998 157,452 549,247 123,132 242,184
Utah 51,018 104 10,320 81,325 4,957 28,325
Vermont 4,162 2 1,507 10,743 1,688 15,079
Virginia 95,441 1,622 43,679 165,723 20,123 142,509
Washington 397,227 11,795 9,041 179,657 16,212 187,909
West Virginia 4,501 3 2,172 17,714 5,391 7,637
Wisconsin 358,151 20,059 15,245 108,455 10,708 49,304
Wyoming 59,510 1,713 463 8,592 1,096 3,556
United States $16,525,817 $1,479,000 $1,788,048 $5,815,395 $1,232,854 $4,590,772

(1) Includes some state funds.

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

INDIVIDUAL ANNUITY CONSIDERATIONS, 2004-2008 (1)

($ billions)
      Total
Year Variable Fixed Amount Percent change
from prior year
2004 $132.9 $87.9 $220.8 0.9%
2005 136.9 79.5 216.4 -2.0
2006 160.4 78.3 238.7 10.3
2007 184.0 72.8 256.8 7.6
2008 155.7 109.3 265.0 3.2

(1) Based on LIMRA’s estimates of the total annuity sales market. Includes some considerations (i.e., premiums) that though bought in group settings involve individual buying decisions.

Source: LIMRA International.

Top 10 Writers Of Commercial Insurance In Texas By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Chubb $1,407,917 5.1%
2 Travelers Companies Inc. 1,341,976 4.8
3 Liberty Mutual 1,269,003 4.6
4 Texas Mutual Insurance Co. 1,069,298 3.8
5 American International Group (AIG) 1,050,241 3.8
6 CNA 1,004,127 3.6
7 Zurich 988,634 3.5
8 Progressive 881,465 3.2
9 Hartford Financial Services 803,662 2.9
10 Berkshire Hathaway Inc. 665,739 2.4

(1) Before reinsurance transactions.

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

Top 10 Writers Of Homeowners Insurance In Texas By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $1,861,663 18.3%
2 Allstate Corp. 1,348,756 13.3
3 USAA Insurance Group 1,017,411 10.0
4 Farmers Insurance Group 1,005,685 9.9
5 Liberty Mutual 646,261 6.4
6 Travelers Companies Inc. 466,734 4.6
7 Texas Farm Bureau 252,255 2.5
8 Nationwide Mutual Group 243,427 2.4
9 Progressive 230,017 2.3
10 Chubb 211,037 2.1

(1) Before reinsurance transactions.

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

Top 10 Writers Of Commercial Insurance In South Carolina By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Travelers Companies Inc. $236,869 5.7%
2 Liberty Mutual 227,152 5.4
3 Chubb 180,422 4.3
4 Zurich 171,261 4.1
5 Hartford Financial Services 149,647 3.6
6 Berkshire Hathaway Inc. 149,302 3.6
7 American International Group (AIG) 136,337 3.3
8 Auto-Owners Insurance Co. 123,832 3.0
9 Nationwide Mutual Group 117,757 2.8
10 CNA 106,204 2.5

(1) Before reinsurance transactions.

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

Top 10 Writers Of Homeowners Insurance In South Carolina By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $370,908 20.0%
2 Allstate Corp. 181,495 9.8
3 USAA Insurance Group 170,415 9.2
4 Travelers Companies Inc. 108,663 5.9
5 Nationwide Mutual Group 81,141 4.4
6 Liberty Mutual 80,320 4.3
7 South Carolina Farm Bureau Federation 64,553 3.5
8 Auto-Owners Insurance Co. 53,673 2.9
9 UPC Insurance 49,717 2.7
10 Farmers Insurance Group 48,183 2.6

(1) Before reinsurance transactions.

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

Top 10 Writers Of Commercial Insurance In Mississippi By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Travelers Companies Inc. $184,812 7.6%
2 Liberty Mutual 122,709 5.0
3 CNA 91,429 3.7
4 Nationwide Mutual Group 87,958 3.6
5 Chubb 85,120 3.5
6 Zurich 85,089 3.5
7 W. R. Berkley Corp. 84,175 3.4
8 American International Group (AIG) 73,295 3.0
9 Progressive 73,012 3.0
10 CGB Insurance Co. 71,796 2.9

(1) Before reinsurance transactions.

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

Top 10 Writers Of Homeowners Insurance In Mississippi By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $267,334 26.1%
2 Southern Farm Bureau Casualty 160,754 15.7
3 Allstate Corp. 84,809 8.3
4 Nationwide Mutual Group 73,064 7.1
5 Liberty Mutual 72,961 7.1
6 USAA Insurance Group 49,237 4.8
7 Farmers Insurance Group 37,079 3.6
8 Alfa Mutual Group 36,851 3.6
9 Shelter Insurance 29,938 2.9
10 Travelers Companies Inc. 26,161 2.6

(1) Before reinsurance transactions.

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

Top 10 Writers Of Commercial Insurance In Louisiana By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Travelers Companies Inc. $284,885 5.2%
2 CNA 238,615 4.3
3 Liberty Mutual 234,393 4.2
4 Chubb 225,259 4.1
5 Louisiana Workers’ Comp Corp. 213,703 3.9
6 Zurich 205,864 3.7
7 American International Group (AIG) 200,084 3.6
8 Progressive 140,492 2.5
9 State Farm 134,479 2.4
10 Nationwide Mutual Group 126,127 2.3

(1) Before reinsurance transactions.

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

Top 10 Writers Of Homeowners Insurance In Louisiana By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $497,373 25.6%
2 Allstate Corp. 212,629 10.9
3 USAA Insurance Group 121,149 6.2
4 Liberty Mutual 109,098 5.6
5 LA Farm Bureau Mutual Insurance Co. 92,586 4.8
6 UPC Insurance 78,799 4.1
7 FEDNAT 75,778 3.9
8 Progressive 75,518 3.9
9 TWIMG LLC 60,209 3.1
10 GeoVera Holdings 35,643 1.8

(1) Before reinsurance transactions.

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

Top 10 Writers Of Commercial Insurance In Florida By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Assurant $2,863,803 11.2%
2 Chubb 1,083,356 4.2
3 Progressive 1,047,581 4.1
4 American International Group (AIG) 916,379 3.6
5 Zurich 857,933 3.4
6 Berkshire Hathaway Inc. 830,821 3.3
7 Travelers Companies Inc. 804,216 3.2
8 Liberty Mutual 772,981 3.0
9 CNA 653,247 2.6
10 Great American Insurance 630,262 2.5

(1) Before reinsurance transactions.

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

Top 10 Writers Of Homeowners Insurance In Florida By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Universal Insurance Holdings Inc. $989,983 9.8%
2 State Farm 641,797 6.4
3 Tower Hill 580,482 5.8
4 Citizens Property Insurance Corp. 520,338 5.2
5 USAA 398,595 4.0
6 FEDNAT 392,612 3.9
7 UPC Insurance 387,129 3.8
8 Progressive 373,747 3.7
9 Heritage Insurance 372,415 3.7
10 Security First Insurance Co. 352,908 3.5

(1) Before reinsurance transactions.

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

Top 10 Writers Of Commercial Insurance In Alabama By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 Travelers Companies Inc. $248,292 6.6%
2 Liberty Mutual 160,252 4.3
3 Chubb 154,583 4.1
4 Auto-Owners Insurance Co. 150,333 4.0
5 CNA 145,014 3.9
6 Zurich 137,079 3.6
7 American International Group (AIG) 130,932 3.5
8 Nationwide Mutual Group 118,437 3.2
9 The Cincinnati Insurance Cos. 114,654 3.0
10 Progressive 102,638 2.7

(1) Before reinsurance transactions.

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

Top 10 Writers Of Homeowners Insurance In Alabama By Direct Premiums Written, 2019 (1)

Rank Group/company Direct premiums written ($000) Market share
1 State Farm $496,918 27.2%
2 Alfa Mutual Group 250,507 13.7
3 Allstate Corp. 218,869 12.0
4 USAA Insurance Group 161,541 8.8
5 Travelers Companies Inc. 83,955 4.6
6 Farmers Insurance Group 79,939 4.4
7 Liberty Mutual 62,671 3.4
8 Auto-Owners Insurance Co. 49,501 2.7
9 Nationwide Mutual Group 45,893 2.5
10 COUNTRY Financial 41,043 2.2

(1) Before reinsurance transactions.

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

Top Coastal Counties Most Frequently Hit By Hurricanes: 1960-2008

County  State Coastline region Number of
hurricanes		 Percent change
in population,
1960-2008
Monroe County Florida Gulf of Mexico 15 50.8%
Lafourche Parish Louisiana Gulf of Mexico 14 67.2
Carteret County North Carolina Atlantic 14 104.3
Dare County North Carolina Atlantic 13 465.9
Hyde County North Carolina Atlantic 13 10.1
Jefferson Parish Louisiana Gulf of Mexico 12 108.9
Palm Beach County Florida Atlantic 12 454.7
Miami-Dade County Florida Atlantic 11 156.5
St. Bernard Parish Louisiana Gulf of Mexico 11 17.2
Cameron Parish Louisiana Gulf of Mexico 11 4.8
Terrebonne Parish Louisiana Gulf of Mexico  11 78.7

Source: U.S. Department of Commerce, Census Bureau, Decennial Census of Population and Housing: 1960 to 2000; Population Estimates Program: 2008.

Top 10 States, By Population Change In Coastal Counties, 1960-2010

  By number change    By percent change 
Rank State Number change Rank State Percent change
1 California 13,130,000 1 Florida 270.1%
2 Florida 10,360,000 2 Alaska 239.8
3 Texas 3,732,000 3 New Hampshire 198.0
4 Washington 2,578,000 4 Texas 161.9
5 Virginia 1,903,000 5 Virginia 150.8
6 New York 1,400,000 6 Washington 144.4
7 New Jersey 1,275,000 7 South Carolina 125.1
8 Maryland 938,000 8 Hawaii 115.2
9 Massachusetts 826,000 9 North Carolina 114.4
10 Hawaii 728,000 10 California 107.2

Source: U.S. Department of Commerce, Census Bureau (www.census.gov/dataviz/visualizations/039/508.php).

Top 15 World Property Damage Losses In The Hydrocarbon Industry (1)

(US $ millions)
Rank Date Plant type Event type Location Country Property loss (2)
1 Jul. 7, 1988 E&P offshore (3) Explosion, fire Piper Alpha, North Sea U.K. $1,960
2 Jan. 11, 2017 Refinery Fire Ruwais, Abu Dhabi U.A.E 1,000+
3 Oct. 23, 1989 Chemical Explosion, vapour cloud explosion Pasadena, Texas U.S. 1,520
4 Mar. 19, 1989 E&P offshore (3) Explosion, fire Baker, Gulf of Mexico U.S. 900
5 Mar. 15, 2001 E&P offshore (3) Explosion Rancador Field, Campos Basin Brazil 850
6 Sep. 25, 1998 Gas processing Explosion, vapour cloud explosion Sale, Longford, Victoria Australia 810
7 Apr. 24, 1988 E&P offshore (3) Blowout Enchova, Campos Basin Brazil 760
8 Sep. 21, 2001 Fertilizer Explosion Toulouse France 730
9 Jun. 25, 2000 Refinery Explosion, fire Mina Al-Ahmadi Kuwait 720
10 May 4, 1988 Chemical Explosion Henderson, Nevada U.S. 690
11 Jan. 19, 2004 Gas processing Explosion, fire Skikda Algeria 690
12 Apr. 1, 2015 E&P offshore (3) Fire Abkatun, Bay of Campeche Mexico 690
13 May 5, 1988 Refinery Explosion, vapour cloud explosion Norco, Louisiana U.S. 670
14 Mar. 11, 2011 Refinery Explosion, fire Sendai Japan 650
15 Apr. 21, 2010 E&P offshore (3) Explosion, fire Gulf of Mexico U.S. 640

(1) Property damage only.
(2) Inflated to December 2017 values.
(3) Exploration and production.

Source: The 100 Largest Losses, 1978-2017, March 2018, Marsh & McLennan Companies.

TOP TEN DEADLIEST GLOBAL VOLCANIC ERUPTIONS, 0079-2013

Rank Year Event Affected country Fatalities
1 1815 Eruption of Tambora Indonesia 92,000
2 1883 Eruption of Krakatau, tsunami Indonesia 36,400
3 1902 Eruption of Pelée Martinique more than 29,000
4 1985 Eruption of Nevado del Ruiz Colombia 25,000
5 1669-1682 Eruption of Etna Italy 20,000
6 0079 Eruption of Vesuvius Italy 18,000
7 1169 Eruption of Etna Italy 15,000
8 1792 Eruption of Unzen Japan 15,000
9 1586 Eruption of Kelut Indonesia 10,000
10 1783-1784 Eruption of Laki Iceland more than 9,500

Source: © Munich Re, GeoRisks Research, NatCatSERVICE. As of August 2014.

 

TOP TEN COSTLIEST GLOBAL VOLCANIC ERUPTIONS, 1970-2013 (1)

($ millions)
Rank Year Event Affected country Overall losses Insured losses Fatalities
1 1993 Eruption of Unzen Japan $1,500 $130 1
2 1980 Explosion Mt. St. Helens United States 860 31 57
3 1991 Eruption of Pinatubo Philippines 750 70 875
4 1995/1996, 2003 Eruption of Soufrière Hills Montserrat 430 50 19
5 2010 Eruption of Mt. Merapi Indonesia 380 NA 353
6 1994 Eruption of Tavurvur, Rabalanakaia Papua New Guinea 300 66 4
7 1985 Eruption of Nevado del Ruiz Colombia 230 NA 25,000
8 1973 Eruption of Helgafell Iceland 200 NA NA
9 2006 Eruption of Tungurahua Ecuador 150 NA 6
10 1983 Eruption of Gamalama Indonesia 150 NA NA

(1) Ranked on overall losses.

NA=Data not available.

Source: Munich Re, GeoRisks Research, NatCatSERVICE. As of August 2014.

Top Ten Deadliest World Earthquakes/Tsunamis, 1980-2015 (1)

($ millions)
      Losses when occurred
Rank Date Location Overall Insured Fatalities
1 Dec. 26, 2004 Indonesia; India; Sri Lanka; Thailand; Maldives;
Myanmar; Bangladesh; Malaysia. Includes tsunami.		 $10,000 $1,000 220,000
2 Jan. 12, 2010 Haiti (esp. Port-au-Prince) 8,000 200 159,000
3 Oct. 8, 2005 Pakistan; India 5,200 5 88,000
4 May 12, 2008 China (Sichuan) 85,000 300 84,000
5 Jun. 20, 1990 Iran (esp. Manjil, Rudbar) 7,100 100 40,000
6 Dec. 26, 2003 Iran (esp. Bam) 500 20 26,200
7 Dec. 7, 1988 Armenia (esp. Spitak) 14,000 NA 25,000
8 Aug. 17, 1999 Turkey (esp. Izmit) 12,000 600 17,120
9 Mar. 3, 2011 Japan (Honshu).  Includes tsunami. 210,000 40,000 15,840
10 Jan. 26, 2001 India (Gujarat); Pakistan 4,600 100 14,970

(1) As of June 2016.

NA=Data not available.

Source: © 2016 Munich Re, Geo Risks Research, NatCatSERVICE.

Top 10 Costliest World Earthquakes And Tsunamis By Insured Losses, 1980-2020 (1)

(US$ millions)
      Losses  
        Insured losses  
Rank Date Location Overall When occurred In 2020 dollars Fatalities
1 Mar. 11, 2011 Japan: Aomori, Chiba, Fukushima, lbaraki, lwate,
Miyagi, Tochigi, Tokyo, Yamagata. Includes tsunami.		 $210,000 $40,000 $46,378 15,880
2 Feb. 22, 2011 New Zealand: Canterbury, Christchurch, Lyttelton 24,000 16,500 19,318 185
3 Jan. 17, 1994 USA (CA): Northridge, Los Angeles, San Fernando Valley,
Ventura, Orange		 44,000 15,300 27,115 61
4 Feb. 27, 2010 Chile: Concepcion, Metropolitana, Rancagua, Talca,
Temuco, Valparaiso. Includes tsunami.		 30,000 8,000 9,564 520
5 Sep. 4, 2010 New Zealand: Canterbury, Christchurch, Avonside,
Omihi, Timaru, Kaiapoi, Lyttelton		 10,000 7,400 8,778 0
6 Apr. 14-16, 2016 Japan: Kumamoto, Aso, Chuo Ward, Mashiki, Minamiaso,
Oita, Miyazaki, Fukuoka, Yamaguchi		 32,000 6,500 7,039 205
7 Jan. 17, 1995 Japan: Hyogo, Kobe, Osaka, Kyoto 100,000 3,000 5,172 6,430
8 Nov. 13, 2016 New Zealand: Canterbury, Kaikoura, Waiau,
Wellington, Marlborough, Picton		 3,900 2,100 2,254 2
9 Jun. 13, 2011 New Zealand: Canterbury, Christchurch, Lyttelton 2,700 2,100 2,411 1
10 Sep. 19, 2017 Mexico: Puebla, Morelos, Greater Mexico City 6,000 2,000 2,100 369

(1) Data through 2020 as of March 2021. Ranked on insured losses when occurred. Updated by the Insurance Information Institute using data from Munich Re’s Relevant geophysical events worldwide 1980-2018.
(2) Based on property losses including, if applicable, agricultural, offshore, marine, aviation and National Flood Insurance Program losses in the United States and may differ from data shown elsewhere.

Source: © 2021 Munich Re, Geo Risks Research; Wikipedia.

Top 10 Costliest U.S. Winter Events By Insured Losses, 1950-2025 (1)

($ millions)
        Insured loss
Rank Date Event Location When occurred In 2025 dollars (2)
1 Feb. 12-20, 2021 Polar Vortex, Texas Freeze TX, OR, WA, CO, NV, AR, OK, GA, NC, FL, IL,
IN, IA, WI, OH, PA, VA, NC, SC, LA, MO, MS		 $15,000 $18,524
2 Dec. 21-26, 2022 Winter storm Nationwide 7,700 8,427
3 Mar. 11-14, 1993 Blizzard  AL, CT, DE, FL, GA, KY, LA, MA, MD, ME, MS, NC, NH, NJ, NY, OH, PA, RI, SC, TN, TX, VA,
VT, WV		 2,000 4,524
4 Feb. 16-22, 2015 Winter storm, winter damage CT, DC, DE, IL, KY, MA, MD, ME, MI, NC, NH, NJ, NY, OH, PA, RI, SC, TN, VA, VT 2,100 2,906
5 Dec. 17-30, 1983 Winter damage, cold wave AL, AR, CO, CT, DE, FL, GA, IA, ID, IL, IN, KS,
KY, LA, MA, MD, MI, MN, MO, MS, MT, NC,
ND, NE, NJ, NY, OH, OK, OR, PA, RI, SC, SD,
TN, TX, UT, VA, WA, WI, WV, WY		 880 2,822
6 Jan. 5-8, 2014 Winter damage, cold wave  AL, GA, IL, IN, KY, MD, MI, MO, MS, NC, NJ, NY,
OH, PA, SC, TN, VA		 1,750 2,430
7 Dec. 10-13, 1992 Winter storm CT, DE, MA, MD, NJ, NY, PA, RI, VA, WV 1,000 2,289
8 Nov. 24-30, 1950 Winter storm CT, DE, MA, MD, ME, NH, NJ, NY, PA, RI, VT 170 2,288
9 Mar. 1-3, 2018 Winter storm CT, DC, DE, MA, MD, NC, NJ, NY, PA, RI, VA 1,755 2,284
10 Jan. 29, 1951 Ice Storm TN, TX, VA, AL, KY, MS, LA, GA, WV, VA, NC, SC 150 1,918

(1) Includes losses sustained by private insurers and government-sponsored programs such as the National Flood Insurance Program. Subject to change as loss estimates are further developed. As of January 2026.
(2) Adjusted for inflation by Aon using the U.S. Consumer Price Index.

Source: Aon.

Consumer Price Indices For Insurance And Related Items And Annual Rates Of Change, 2015-2024 (Cont’d)

(Base: 1982-84=100)
  Used cars and trucks Tenants and
household insurance (3), (5)		 Repair of
household items (3), (6)		 Legal services (4) Existing single-
family homes
Year Index Percent change Index Percent change Index Percent change Index Percent change Median price ($000) Percent change
2016 143.5 -2.5% 147.7 0.9% 226.3 2.8% 334.5 3.4% 235.5 5.2%
2017 138.3 -3.6 148.8 0.7 239.3 5.8 346.4 3.6 248.8 5.6
2018 138.4 0.1 150.7 1.3 253.7 6.0 361.2 4.3 261.6 5.1
2019 139.8 1.0 151.8 0.7 268.7 5.9 364.8 1.0 274.6 5.0
2020 144.2 3.2 151.1 -0.5 270.0 0.5 368.7 1.1 300.2 9.3
2021 182.6 26.6 150.7 -0.3 0.0 0.0 374.4 1.5 357.1 19.0
2022 205.9 12.7 150.5 -0.1 NA NA 399.4 6.7 392.8 10.0
2023 191.2 -7.1 153.3 1.8 352.6 NA 432.9 8.4 394.1 0.3
2024 179.8 -6.0 158.3 3.3 NA NA NA NA 412.5 4.7
2025 185.0 0.0 165.7 4.7 NA NA NA NA 419.5 1.7
Percent change
2016-2025		   28.9%   12.1%   NA   NA   78.1%

(1) December 1996=100.
(2) December 1983=100.
(3) December 1997=100.
(4) December 1986=100.
(5) Only includes insurance covering rental properties.
(6) Includes appliances, reupholstery and inside home maintenance.

NA = Data not available

Note: Percent changes are calculated from unrounded data.

Source: U.S. Department of Labor, Bureau of Labor Statistics; Copyright ©2026 “December Existing Home Sales.” NATIONAL ASSOCIATION OF REALTORS®. All rights reserved. Reprinted with permission. February 12, 2026, Reprinted with permission. February 12, 2026, https://www.nar.realtor/sites/default/files/2025-01/ehs-12-2024-summary-2025-01-24.pdf.

Consumer Price Indices For Insurance And Related Items And Annual Rates Of Change, 2016-2025 (Cont’d)

(Base: 1982-84=100)
  Motor vehicle body work New vehicles New cars New trucks (2)
Year Index  Percent change Index Percent change Index Percent change Index Percent change
2016 287.6 2.4% 147.4 0.2% 143.7 -0.5% 156.4 0.6%
2017 294.5 2.4 147.0 -0.2 142.7 -0.7 156.6 0.1
2018 302.7 2.8 146.3 -0.5 142.0 -0.5 155.8 -0.5
2019 313.5 3.5 146.8 0.4 142.8 0.6 156.3 0.3
2020 324.7 3.6 147.6 0.5 144.0 0.8 157.1 0.5
2021 343.0 5.6 156.2 5.9 152.0 5.6 166.7 6.1
2022 385.9 12.5 172.5 10.4 168.8 11.1 183.7 10.2
2023 411.2 6.6 178.9 3.7 174.6 3.5 190.8 3.9
2024 417.2 1.4 177.9 -0.6 172.6 -1.2 189.9 -0.5
2025 432.8 3.7 178.5 0.3 173.5 0.5 190.5 0.3
Percent change
2016-2025		   50.5%   21.1%   20.7%   21.8%

Consumer Price Indices For Insurance And Related Items And Annual Rates Of Change, 2016-2025

(Base: 1982-84=100)
  Cost of living (all items) Motor vehicle insurance Medical care items Physicians’ services Hospital services (1)
Year Index Percent change Index Percent change Index Percent change Index Percent change Index Percent change
2016 240.0 1.3% 489.1 6.2% 463.7 3.8% 378.1 3.3% 303.3 4.5%
2017 245.1 2.1 526.9 7.7 475.3 2.5 380.1 0.5 318.2 4.9
2018 251.1 2.4 566.0 7.4 484.7 2.0 380.5 0.1 332.2 4.4
2019 255.7 1.8 571.0 0.9 498.4 2.8 383.2 0.7 338.8 2.0
2020 258.8 1.2 544.6 -4.6 518.9 4.1 389.9 1.7 353.0 4.2
2021 271.0 4.7 565.3 3.8 525.3 1.2 406.5 4.3 363.5 3.0
2022 292.7 8.0 609.8 7.9 546.6 4.1 411.9 1.3 376.8 3.7
2023 304.7 4.1 716.0 17.4 549.1 0.5 412.6 0.2 392.1 4.1
2024 313.7 2.9 843.1 17.8 563.8 2.7 417.9 1.3 414.8 5.8
2025 321.9 2.6 893.5 6.0 580.1 2.9 428.5 2.5 414.8 5.8
Percent change
2016-2025		   34.1%   82.7%   25.1%   13.3%   36.8%

Top 10 Costliest Natural Catastrophes, United States (1)

($ millions)
      Estimated insured property loss
Rank Year Peril Dollars when occurred In 2025 dollars (2)
1 2005 Hurricane Katrina $65,000 $107,495
2 2022 Hurricane Ian 54,000 58,854
3 2021 Hurricane Ida 36,000 42,742
4 2012 Hurricane Sandy 30,000 42,124
5 2017 Hurricane Harvey 30,000 39,678
6 2017 Hurricane Irma 30,050 39,544
7 2017 Hurricane Maria 29,500 38,822
8 1992 Hurricane Andrew 16,000 36,883
9 1994 Northridge Earthquake 15,300 33,991
10 2008 Hurricane Ike 18,200 27,019

(1) Natural disasters that cause at least $25 million in insured losses; or 10 deaths; or 50 people injured; or 2,000 filed claims or homes and structures damaged. Includes Puerto Rico and the U.S. Virgin Islands.
Includes losses sustained by private insurers and government-sponsored programs such as the National Flood Insurance Program. Subject to change as loss estimates are further developed. As of January 2026.
(2) Adjusted for inflation by Aon using the U.S. Consumer Price Index.

Source: Aon.

Top 10 Costliest Wildland Fires In The United States (1)

($ millions)
      Estimated insured loss
Rank Year Name Dollars when occurred In 2025 dollars (2)
1 2025 Palisades Fire $23,000 $23,000
2 2025 Eaton Fire $17,500 $17,500
3 2018 Camp Fire $10,000 $12,887
4 2017 Tubbs Fire 8,700 11,456
5 2018 Woolsey Fire 4,200 5,413
6 2023 Maui/Hawaii Wildfire 4,300 4,549
7 1991 Oakland Fire (Tunnel) 1,700 4,019
8 2017 Atlas Fire 3,000 3,950
9 2020 Glass Fire 2,950 3,681
10 2020 CZU Lightning Complex Fire 2,500 3,120

(1) Includes losses sustained by private insurers and government-sponsored programs such as the National Flood Insurance Program. All fires on this list occurred in California unless otherwise noted. Includes Puerto Rico and the U.S. Virgin Islands. Subject to change as loss estimates are further developed. As of January 2026.
(2) Adjusted for inflation by Aon using the U.S. Consumer Price Index.

Source: Aon.

Top 20 Costliest Terrorist Acts by Insured Property Losses

(2021 $ millions)
Rank Date Country Location Event Insured property
loss (1)
(2021 $ millions)		 Fatalities
1 September 11, 2001 U.S. New York, Washington DC,
Pennsylvania		 Hijacked airliners crash into
World Trade Center and Pentagon		 $28,862 (2) 2,982
2 April 24, 1993 U.K. London Bomb explodes near NatWest tower
in the financial district		 1,394 1
3 June 15, 1996 U.K. Manchester Irish Republican Army (IRA) car bomb
explodes near shopping mall		 1,143 0
4 April 10, 1992 U.K. London Bomb explodes in financial district 1,031 3
5 February 26, 1993 U.S. New York Bomb explodes in garage of World Trade Center 961 6
6 July 24, 2001 Sri Lanka Colombo Rebels destroy 3 airliners, 8 military aircraft and
heavily damage 3 civilian aircraft		 612 20
7 February 9, 1996 U.K. London IRA bomb explodes in South Key Docklands 398 2
8 June 23, 1985 North Atlantic Irish Sea Bomb explodes on board of an Air India Boeing 747 249 329
9 April 19, 1995 U.S. OK, Oklahoma City Truck bomb detonates outside government building 223 166
10 September 12, 1970 Jordan Zerqa, Dawson’s Field
(disused RAF airstrip in desert)		 Hijacked Swissair DC-8, TWA Boeing 707,
BOAC VC-10 dynamited on ground		 195 0
11 September 6, 1970 Egypt Cairo Hijacked PanAm B-747 dynamited on ground 170 0
12 April 11, 1992 U.K. London Bomb explodes in financial district 147 0
13 November 26, 2008 India Mumbai Attack on two hotels; Jewish center 130 172
14 March 27, 1993 Germany Weiterstadt Bomb attack on a newly built, still unoccupied prison 108 0
15 December 30, 2006 Spain Madrid Bomb explodes in car garage at Barajas Airport 89 2
16 December 21, 1988 U.K. Lockerbie Bomb explodes on board of a PanAm Boeing 747 87 270
17 July 25, 1983 Sri Lanka   Riot 73 0
18 July 7, 2005 U.K. London Four bombs explode during rush hour in the London Underground and bus 72 52
19 November 23, 1996 Comoros Indian Ocean Hijacked Ethiopian Airlines Boeing 767-260 ditched at sea 69 127
20 March 17, 1992 Argentina Buenos Aires Bomb attack on Israel’s embassy in Buenos Aires 58 24

(1) Includes bodily injury and aviation hull losses. Updated to 2021 dollars by the Insurance Information Institute using the U.S. Bureau of Labor Statistics CPI Inflation Calculator.
(2) Differs from inflation-adjusted estimates made by other organizations due to the use of different deflators.

Source: Swiss Re, U.S. Bureau of Labor Statistics, Insurance Information Institute.

Top 10 Costliest Hurricanes In The United States (1)

($ millions)
      Estimated insured loss
Rank Year Hurricane Dollars when occurred In 2025 dollars (2)
1 2005 Hurricane Katrina $65,000 $107,495
2 2022 Hurricane Ian 54,000 58,854
3 2021 Hurricane Ida 36,000 42,742
4 2012 Hurricane Sandy 30,000 42,124
5 2017 Hurricane Harvey 30,000 39,678
6 2017 Hurricane Irma 30,050 39,544
7 2017 Hurricane Maria 29,500 38,822
8 1992 Hurricane Andrew 16,000 36,883
9 2008 Hurricane Ike 18,200 27,019
10 2014 Hurricane Milton 20,000 20,579

(1) Includes Puerto Rico and the U.S. Virgin Islands and losses sustained by private insurers and government-sponsored programs such as the National Flood Insurance Program. Subject to change as loss estimates are further developed. As of January 2026.
(2) Adjusted for inflation by Aon using the U.S. Consumer Price Index.

Source: Aon.

Natural Catastrophe Losses In The United States By Peril, 2025 (1)

($ millions)
Peril Number of events Fatalities Economic losses (2) Insured losses (3)
Tropical cyclone 1 8 $432 $188
Severe convective storm 52 138 67,872 52,296
Wildfire, drought, heatwave 9 468 61,453 43,021
Winter weather 7 33 1,983 1,404
Flooding 15 202 10,309 6,169
Total 84 849 $142,049  $103,078 

(1) Natural disasters that cause at least $25 million in insured losses; or 10 deaths; or 50 people injured; or 2,000 filed claims or homes and structures damaged. Includes Puerto Rico and the U.S. Virgin Islands.
(2) Includes any direct physical damage or direct net loss business interruption costs.
(3) Includes losses sustained by private insurers and government-sponsored programs such as the National Flood Insurance Program. Subject to change as loss estimates are further developed. As of January 2026.

Source: Aon.

Insurance In Emerging Markets, 2023

  Direct premiums
written, 2023
( US$ millions)		 Percent change
from 2022 (1)		 Share of
world market		 Premiums as
a percent
of GDP (2)		 Premiums
per capita
($US)
Total industry          
Advanced markets  $5,841,092 6.2% 81.3% 9.5% $5,339
Emerging markets 1,345,082 5.5% 18.7 3.3 195
     Total $7,186,174 6.1% 100% 7.0% $889
Life          
Advanced markets  $2,185,584 3.2% 75.7% 3.6% $2,020
Emerging markets 703,414 6.1% 24.3 1.7 103
     Total $2,888,998 3.9% 100% 2.9% $361
Non-life          
Advanced markets  $3,655,508 8.1% 85.1% 5.9% $3,320
Emerging markets 641,668 4.9% 14.9 1.6 93
     Total $4,297,176 7.6% 100% 4.2% $528

(1) Inflation-adjusted.
(2) Gross domestic product.

Source: Swiss Re Institute, sigma 3/2024.

Insurance Industry’s Federal And Foreign Income Taxes Incurred, 2015-2019

($000)
Year Property/casualty Life Total
2015 $10,188,539 $10,566,280 $20,754,818
2016 7,314,767 16,282,427 23,597,195
2017 -784,873 12,360,768 11,575,895
2018 7,245,077 3,397,276 10,642,353
2019 8,514,508 9,435,327 17,949,835

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

Top 10 Costliest U.S. Earthquakes By Inflation-Adjusted Insured Losses (1)

($ millions)
        Insured losses (1)
Rank Date Event Location When occurred In 2025 dollars (2)
1 Jan. 17, 1994 Northridge CA $15,300 $33,991
2 Apr. 18, 1906 San Francisco CA 235 8,753
3 Oct. 18, 1989 Loma Prieta CA 960 2,483
4 Feb. 28, 2001 Nisqually WA 315 582
5 Jan. 7, 2020 Puerto Rico PR 425 535
6 May 18, 1980 Mount St. Helens WA 71 282
7 Aug. 24, 2014 South Napa CA 200 273
8 Feb. 9, 1971 San Fernando CA 32 257
9 Oct. 1, 1987 Whittier Narrows CA 75 211
10 Nov. 30, 2018 Anchorage AK 150 193

(1) Includes losses sustained by private insurers and government-sponsored programs such as the National Flood Insurance Program. Subject to change as loss estimates are further developed. As of January 2026.
(2) Adjusted for inflation by Aon using the U.S. Consumer Price Index.

Source: Aon.

Involvement Of The Older Population In Traffic Fatalities, 2009 and 2018 (1)

  2009 2018 Percent change, 2009-2018
  Total Age 65+ Age 65+
percent of
total		 Total Age 65 + Age 65+
percent of
total		 Total Age 65+
Population (000) 306,772 39,623 13% 327,167 52,431 16% 7% 32%
Drivers involved in fatal crashes 45,337 5,436 12 51,490 7,316 14 14 35
Driver fatalities 21,835 3,307 15 22,925 4,298 19 5 30
Total traffic fatalities 33,883 5,304 16 36,560 6,907 19 8 30
Occupant fatalities 28,995 4,417 15 29,206 5,437 19 1 23
Pedestrian fatalities 4,109 775 19 6,283 1,275 20 53 65

(1) Age 65 and older.

Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.

Motorcycle Helmet Use, 2000-2023 (1)

Year Percent Year Percent
2000 71% 2018 71%
2005 48 2019 71
2010 54 2020 69
2015 61 2021 65
2016 65 2022 67
2017 65 2023 74

(1) Based on surveys of motorcyclists using helmets meeting Department of Transportation standards. Surveys conducted in October for 1996-2000 and in June thereafter.

Source: U.S. Department of Transportation, National Occupant Protection Use Survey, National Highway Traffic Safety Administration’s National Center for Statistics and Analysis.

Average Premiums For Homeowners And Renters Insurance By State, 2022 (1)

  Homeowners Renters   Homeowners Renters
State Average
premium (2)		 Rank (3) Average
premium (4)		 Rank (3) State Average
premium (2)		 Rank (3) Average
premium (4)		 Rank (3)
Alabama $1,748 13 $219 3 Montana $1,639 17 $156 31
Alaska 1,129 38 186 9 Nebraska 1,869 9 144 45
Arizona 1,018 45 163 25 Nevada 948 49 174 16
Arkansas 1,740 14 205 5 New Hampshire 1,188 36 150 40
California (5) 1,492 23 169 22 New Jersey 1,417 26 151 37
Colorado 2,079 5 158 30 New Mexico 1,322 33 177 14
Connecticut 1,814 10 175 15 New York 1,628 18 169 22
Delaware 1,103 42 147 41 North Carolina 1,621 19 170 21
D.C. 1,384 28 153 35 North Dakota 1,325 32 123 51
Florida 2,677 1 181 11 Ohio 995 47 160 27
Georgia 1,655 16 205 5 Oklahoma 2,268 4 216 4
Hawaii 1,431 25 174 16 Oregon 893 51 155 32
Idaho 1,002 46 147 41 Pennsylvania 1,120 39 151 37
Illinois 1,343 30 151 37 Rhode Island 2,074 6 181 11
Indiana 1,191 35 168 24 South Carolina 1,571 22 186 9
Iowa 1,268 34 144 45 South Dakota 1,756 12 129 50
Kansas 1,583 21 159 28 Tennessee 1,492 23 187 8
Kentucky 1,359 29 159 28 Texas (6) 2,397 3 199 7
Louisiana 2,603 2 243 2 Utah 937 50 145 43
Maine 1,077 43 145 43 Vermont 1,109 41 154 34
Maryland 1,392 27 155 32 Virginia 1,332 31 152 36
Massachusetts 1,871 8 173 18 Washington 1,151 37 162 26
Michigan 1,056 44 180 13 West Virginia 1,113 40 173 18
Minnesota 1,774 11 135 49 Wisconsin 957 48 141 48
Mississippi 1,907 7 262 1 Wyoming 1,596 20 142 47
Missouri 1,668 15 173 18 United States $1,569   $171  

(1) Includes state funds, residual markets and some wind pools.
(2) Based on the HO-3 homeowner package policy for owner-occupied dwellings, 1 to 4 family units. Provides all risks coverage (except those specifically excluded in the policy) on buildings and broad named-peril coverage on personal property, and is the most common package written.
(3) Ranked from highest to lowest. States with the same premium receive the same rank.
(4) Based on the HO-4 renters insurance policy for tenants. Includes broad named-peril coverage for the personal property of tenants.
(5) Data provided by the California Department of Insurance.
(6) Texas data were obtained from the Texas Department of Insurance.

Note: Average premium=Premiums/exposure per house years. A house year is equal to 365 days of insured coverage for a single dwelling. The NAIC does not rank state average premiums and does not endorse any conclusions drawn from this data.

Source: National Association of Insurance Commissioners (NAIC). Further reprint or distribution strictly prohibited without written permission of NAIC.

Average Premiums For Homeowners And Renters Insurance, 2013-2022 (1)

Year Homeowners (2) Percent change Renters (3)  Percent change
2013 $1,096 6.0% $188 0.5%
2014 1,132 3.3 190 1.1
2015 1,173 3.6 188 -1.1
2016 1,192 1.6 185 -1.6
2017 1,211 1.6 180 -2.7
2018 1,249 3.1 179 -0.6
2019 1,272 1.8 174 -2.8
2020 1,311 3.1 173 -0.6
2021 1,411 7.6 170 -1.7
2022 1,569 11.2 171 0.6

(1) Includes state funds, residual markets and some wind pools.
(2) Based on the HO-3 homeowner package policy for owner-occupied dwellings, 1 to 4 family units. Provides all risks coverage (except those specifically excluded in the policy) on buildings and broad named-peril coverage on personal property, and is the most common package written.
(3) Based on the HO-4 renters insurance policy for tenants. Includes broad named-peril coverage for the personal property of tenants.

Source: National Association of Insurance Commissioners (NAIC). Further reprint or distribution strictly prohibited without written permission of NAIC.

What type of disasters are covered?

  Dwelling & personal property Dwelling Personal property  Dwelling & personal property
Perils Basic HO-1*+ Broad HO-2* Special HO-3* Special HO-3 Renters HO-4 Condo/Co-op HO-6 Modified Coverage HO-8
1. Fire or lightning x x x x x x x
2. Windstorm or hail x x x x x x x
3. Explosion x x x x x x x
4. Riot or civil commotion x x x x x x x
5. Damage caused by aircraft x x x x x x x
6. Damage caused by vehicles x x x x x x x
7. Smoke x x x x x x x
8. Vandalism or malicious mischief x x x x x x x
9. Theft x x x x x x x
10. Volcanic eruption x x x x x x x
11. Falling object   x x x x x  
12. Weight of ice, snow or sleet   x x x x x  
13.  Accidental discharge or overflow of
water or steam from within a plumbing,
heating, air conditioning, or automatic
fire-protective sprinkler system, or from
a household appliance.		   x x x x x  
14. Sudden and accidental tearing apart,
cracking, burning, or bulging of a steam
or hot water heating system, an air
conditioning or automatic fire-protective
system.		   x x x x x  
15. Freezing of a plumbing, heating, air
conditioning or automatic, fire-protective
sprinkler system, or of a household appliance.		   x x x x x  
16. Sudden and accidental damage from
artificially generated electrical current
(does not include loss  to a tube, transistor
or similar electronic component)		   x x x x x  
17. All perils except flood, earthquake, war,
nuclear accident, landslide, mudslide,
sinkhole and others specified in your
policy. Check your policy for a complete
list of perils excluded.		     x        

Drivers In Fatal Crashes By Blood Alcohol Concentration (BAC) And Vehicle Type, 2014-2023 (1)

  Passenger car Light truck Large truck Motorcycles
    Percent   Percent   Percent   Percent
Year Total BAC = 0.01+ BAC = 0.08+ Total BAC = 0.01+ BAC = 0.08+ Total BAC = 0.01+ BAC = 0.08+ Total BAC = 0.01+ BAC = 0.08+
2014 17,802 26% 22% 17,040 25% 22% 3,701 3% 2% 4,703 37% 29%
2015 19,688 25 21 18,763 24 21 4,019 2 1 5,126 34 26
2016 20,730 24 21 19,951 23 20 4,152 3 2 5,414 32 25
2017 20,895 24 21 19,847 23 20 4,600 4 3 5,316 35 27
2018 20,175 24 21 19,663 22 19 4,786 5 3 5,108 33 25
2019 19,469 24 20 19,704 22 19 4,949 3 2 5,111 36 29
2020 20,742 26 23 20,402 23 19 4,778 4 3 5,711 34 27
2021 20,959 28 24 25,525 23 20 5,634 5 3 6,080 35 28
2022 19,889 29 25 25,613 25 21 5,760 5 3 6,349 36 28
2023 18,642 28 24 25,171 23 20 5,317 5 4 6,429 33 26

(1) NHTSA estimates alcohol involvement when alcohol test results are unknown.
(2) Beginning in 2022, operators and passengers of motorized bicycles are captured as pedalcyclists when involved in a motor vehicle traffic crash.

Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.

Average Expenditures For Auto Insurance By State, 2018-2022

  2022 2021 Average expenditure
State Liability Collision Comprehensive Average
expenditure		 Rank (1) Average
expenditure		 Rank (1) Average
expenditure
percent change
2021-2022		 2020 2019 2018
Alabama  $529.39 $397.21 $201.70 $965.91 27 $928.14 26 4.1% $919.04 $927.51 $906.76
Alaska  578.11 415.28 161.18 1,013.98 23 975.76 21 3.9 967.26 991.00 965.45
Arizona  691.52 355.65 239.54 1,155.85 17 1,072.09 17 7.8 1,043.21 1,065.01 1,048.98
Arkansas  482.66 390.78 259.16 924.44 34 885.41 33 4.4 876.72 900.36 901.11
California  613.67 534.22 104.29 1,086.64 18 1,047.44 18 3.7 1,047.08 1,051.82 1,025.07
Colorado  713.66 361.09 371.73 1,275.70 13 1,190.07 13 7.2 1,171.65 1,175.48 1,133.09
Connecticut  796.41 424.27 153.34 1,282.45 11 1,244.21 11 3.1 1,230.17 1,266.79 1,217.06
Delaware  867.77 365.21 155.69 1,296.13 10 1,257.28 10 3.1 1,250.51 1,286.99 1,289.62
D.C. 805.93 586.01 236.87 1,501.94 4 1,434.42 4 4.7 1,411.28 1,439.99 1,429.39
Florida  1,152.02 371.15 179.92 1,624.77 1 1,468.22 3 10.7 1,389.08 1,488.73 1,427.17
Georgia  893.87 417.22 198.69 1,344.62 7 1,266.44 8 6.2 1,258.65 1,264.81 1,218.43
Hawaii 451.13 390.93 109.69 843.82 41 819.11 38 3.0 810.54 839.70 829.01
Idaho  439.55 283.24 157.34 772.31 49 741.29 48 4.2 724.63 739.88 722.02
Illinois  524.25 383.95 171.52 993.77 26 918.48 28 8.2 915.53 940.92 919.14
Indiana  443.37 306.47 155.35 814.21 45 767.42 46 6.1 769.45 780.69 771.04
Iowa  355.75 277.94 264.11 776.25 48 725.22 49 7.0 707.69 708.56 700.67
Kansas  437.55 301.79 312.69 867.32 39 815.09 40 6.4 792.71 817.88 806.96
Kentucky  591.08 304.28 182.71 937.93 33 901.75 29 4.0 918.14 947.49 951.85
Louisiana  990.73 471.27 281.08 1,557.85 2 1,500.10 1 3.8 1,494.85 1,560.00 1,549.82
Maine  394.44 301.41 138.94 757.65 50 713.23 50 6.2 703.99 696.52 687.26
Maryland 754.65 450.22 184.26 1,281.31 12 1,199.56 12 6.8 1,200.40 1,231.51 1,211.69
Massachusetts  647.51 445.31 158.34 1,181.06 16 1,165.14 14 1.4 1,169.84 1,182.69 1,167.16
Michigan 758.44 479.62 190.59 1,319.15 8 1,311.62 7 0.6 1,420.58 1,498.59 1,446.43
Minnesota  501.73 305.78 255.27 961.88 28 891.73 32 7.9 880.80 892.05 873.48
Mississippi 574.24 384.30 273.81 1,060.85 19 1,003.90 20 5.7 979.31 977.79 973.74
Missouri  546.26 344.41 253.24 1,001.73 25 929.60 25 7.8 909.39 933.54 917.40
Montana  435.70 310.12 333.70 885.42 37 846.71 37 4.6 834.31 836.46 825.90
Nebraska  433.70 308.99 306.93 871.55 38 816.30 39 6.8 795.34 807.44 797.43
Nevada  926.56 372.25 121.70 1,299.66 9 1,264.55 9 2.8 1,245.43 1,292.58 1,262.24
New Hampshire  444.35 336.31 134.48 889.31 36 851.63 36 4.4 848.30 864.76 847.79
New Jersey  932.65 441.78 148.46 1,413.04 6 1,366.84 6 3.4 1,334.03 1,390.44 1,379.68
New Mexico  572.02 350.40 226.57 957.51 30 892.50 31 7.3 903.87 932.65 915.74
New York  989.32 486.05 200.95 1,548.58 3 1,495.21 2 3.6 1,426.50 1,446.14 1,425.22
North Carolina  418.40 385.88 186.15 840.24 42 790.33 41 6.3 765.96 753.96 739.49
North Dakota  308.02 283.23 279.38 728.89 51 691.23 51 5.4 691.38 703.66 687.91
Ohio  443.46 315.44 150.57 832.34 43 775.95 44 7.3 786.63 806.07 802.02
Oklahoma  506.75 367.49 297.84 959.10 29 894.83 30 7.2 888.47 913.63 920.32
Oregon  670.20 291.87 125.63 1,005.81 24 947.38 24 6.2 951.77 990.24 990.24
Pennsylvania  525.81 394.08 198.74 1,018.34 22 967.89 22 5.2 975.58 995.08 995.42
Rhode Island  921.04 488.28 167.33 1,428.12 5 1,423.81 5 0.3 1,390.23 1,382.15 1,350.00
South Carolina  772.49 334.21 225.47 1,204.90 15 1,138.10 15 5.9 1,116.44 1,115.78 1,097.80
South Dakota  342.45 272.05 406.45 822.14 44 768.54 45 7.0 738.38 745.21 723.35
Tennessee  488.76 379.45 193.01 924.39 35 869.96 34 6.3 856.02 864.94 858.37
Texas  690.88 456.10 323.14 1,233.39 14 1,123.12 16 9.8 1,085.40 1,143.91 1,152.46
Utah  661.63 328.40 138.96 1,026.13 21 951.49 23 7.8 936.73 954.53 941.12
Vermont  353.92 339.61 160.52 793.38 47 780.00 43 1.7 784.32 783.69 777.86
Virginia  532.48 350.71 172.16 949.57 32 863.76 35 9.9 846.19 858.75 855.55
Washington  668.06 327.26 129.85 1,048.46 20 1,029.51 19 1.8 1,035.25 1,068.26 1,035.59
West Virginia  492.78 354.05 251.77 952.67 31 918.56 27 3.7 914.53 939.04 938.77
Wisconsin  411.20 272.15 192.72 809.42 46 757.19 47 6.9 747.67 767.65 756.05
Wyoming  358.56 303.06 395.54 848.42 40 790.23 42 7.4 769.22 776.95 765.80
United States $661.64 $400.15 $196.22 $1,126.79   $1,062.31   6.1% $1,047.76 $1,075.08 $1,058.10

(1) Ranked highest to lowest by average expenditure.

Note: Average expenditure=Total written premium/liability car years. A car year is equal to 365 days of insured coverage for a single vehicle. The NAIC does not rank state average expenditures and does not endorse any conclusion drawn from these data.

Source: National Association of Insurance Commissioners (NAIC). Further reprint or distribution strictly prohibited without written permission of NAIC.

Average Expenditures for Auto Insurance, 2013-2022

Year Average expenditure Percent change
2013 $841.06 3.5%
2014 869.47 3.4
2015 896.66 3.1
2016 945.22 5.4
2017 1,008.35 6.7
2018 1,058.10 4.9
2019 1,075.08 1.6
2020 1,047.76 -2.5
2021 1,062.31 1.4
2022 1,126.79 6.1

Source: National Association of Insurance Commissioners (NAIC). Further reprint or distribution strictly prohibited without written permission of NAIC.

Top 10 Most Expensive And Least Expensive States For Auto Insurance, 2022 (1)

Rank Most expensive states Average expenditure Rank Least expensive states Average expenditure
1 Florida $1,624.77 1 North Dakota $728.89
2 Louisiana 1,557.85 2 Maine 757.65
3 New York 1,548.58 3 Idaho 772.31
4 District of Columbia 1,501.94 4 Iowa 776.25
5 Rhode Island 1,428.12 5 Vermont 793.38
6 New Jersey 1,413.04 6 Wisconsin 809.42
7 Georgia 1,344.62 7 Indiana 814.21
8 Michigan 1,319.15 8 South Dakota 822.14
9 Nevada 1,299.66 9 Ohio 832.34
10 Delaware 1,296.13 10 North Carolina 840.24

(1) Based on average automobile insurance expenditures.

Source: National Association of Insurance Commissioners (NAIC). Further reprint or distribution strictly prohibited without written permission of NAIC.

Vehicles Involved In Fatal Crashes By Vehicle Type, 2009 And 2018

  Fatal crashes
  2009 2018
Passenger cars    
Involved in crashes 18,413 20,333
Rate per 100 million vehicle miles traveled 1.22 1.45
Rate per 100,000 registered vehicles 13.42 15.30
Light trucks (1)    
Involved in crashes 17,958 19,775
Rate per 100 million vehicle miles traveled 1.6 1.32
Rate per 100,000 registered vehicles 17.6 14.00
Motorcycles    
Involved in crashes 4,603 5,115
Rate per 100 million vehicle miles traveled 22.11 25.48
Rate per 100,000 registered vehicles 58.05 59.02

(1) Trucks with 10,000 pounds or less gross vehicle weight. Includes pickups, vans, truck-based station wagons and utility vehicles.

Source: U.S. Department of Transportation (USDOT), National Highway Traffic Safety Administration (NHTSA). Vehicle miles traveled – USDOT, Federal Highway Administration, revised by NHTSA; Registered passenger cars and light trucks – R.L. Polk & Co; Registered motorcycles – USDOT, Federal Highway Administration.

Motorcyclist Injuries And Injury Rates, 2014-2023

Year Injuries Registered
motorcycles		 Injury rate per 100,000
registered motorcycles		 Vehicle miles
traveled (millions)		 Injury rate
per 100 million
vehicle miles traveled
2014 91,987 8,417,718 1,093 19,970 461
2015 88,738 8,600,936 1,032 19,606 453
2016 (1) 104,442 8,679,380 1,203 20,445 511
2017 88,592 8,664,108 1,023 20,149 440
2018 81,859 8,659,741 945 20,076 408
2019 83,814 8,596,314 975 19,688 426
2020 (2) 80,662 8,347,435 966 17,947 449
2021 84,898 9,424,769 901 19,642 432
2022 (3) 82,690 9,186,256 900 23,765 348
2023 82,564 9,516,910 868 20,181 409

(1) NHTSA began using police-reported crash data from the Crash Report Sampling System, replacing the National Automotive Sampling System General Estimates System (GES). NCSA has also changed the methodology of estimating people nonfatally injured in motor vehicle traffic crashes.
(2) Due to a vehicle classification change, the 2020 and later year data are not comparable to 2019 and earlier years.
(3) Starting in 2022, motorcyclists exclude people on motorized bicycles.

Source: U.S. Department of Transportation, National Highway Traffic Safety Administration; Federal Highway Administration.

Motorcyclist Fatalities And Fatality Rates, 2014-2023

Year Fatalities Registered
motorcycles		 Fatality rate per 100,000
registered motorcycles		 Vehicle miles
traveled (millions)		 Fatality rate
per 100 million
vehicle miles traveled
2014 4,594 8,417,718 54.58 19,970 23.00
2015 5,029 8,600,936 58.47 19,606 25.65
2016 5,337 8,679,380 61.49 20,445 26.10
2017 5,226 8,664,108 60.32 20,149 25.94
2018 5,038 8,659,741 58.18 20,076 25.09
2019 5,044 8,596,314 58.68 19,688 25.62
2020 (1) 5,620 8,347,435 67.33 17,947 31.31
2021 6,144 9,424,769 65.19 19,642 31.28
2022 (2) 6,251 9,186,256 68.05 23,765 26.30
2023 6,335 9,516,910 66.57 20,181 31.39

(1) Due to a vehicle classification change, the 2020 and later year data are not comparable to 2019 and earlier years.
(2) Starting in 2022, motorcyclists exclude people on motorized bicycles.

Source: U.S. Department of Transportation, National Highway Traffic Safety Administration; Federal Highway Administration.

STRUCTURE FIRES IN RELIGIOUS AND FUNERAL PROPERTIES, 2007-2011 ANNUAL AVERAGES (1)

Occupancy Fires Civilian deaths Civilian injuries Direct property
damage (in millions)
Church, mosque, temple or chapel 1,600 2 16 $105
Funeral parlor 70 0 0 2
Unclassified religious or funeral property 100 0 2 4
Total 1,780 2 19 $111

(1) Latest data available.

Source: National Fire Protection Association.

Estimated Insured Losses For The Top 10 Historical Hurricanes Based On Current Exposures (1)

($ billions)
Rank Date Event Category 2017 insured loss
1 Sep. 18, 1926 Great Miami Hurricane 4 $128
2 Sep. 17, 1928 Okeechobee Hurricane 4 78
3 Aug. 29, 2005 Hurricane Katrina 3 (2) 64
4 Sep. 17, 1947 1947 Fort Lauderdale Hurricane 4 62
5 Sep. 9, 1965 Hurricane Betsy 4 (2) 57
6 Aug. 24, 1992 Hurricane Andrew 5 56
7 Sep. 10, 1960 Hurricane Donna 4 50
8 Sep. 21, 1938 The Great New England Hurricane 3 50
9 Sep. 9, 1900 1900 Galveston Hurricane 4 49
10 Aug. 17, 1915 1915 Galveston Hurricane 3 25

(1) Modeled loss to property, contents and business interruption and additional living expenses for residential, mobile home, commercial and auto exposures as of year-end 2016. Losses include demand surge and account for storm surge.
(2) Strength at second landfall in Louisiana.

Source: AIR Worldwide Corporation.

Estimated Insured Losses For The Top 10 Historical Earthquakes Based On Current Exposures (1)

($ billions)
Rank Date Location Magnitude 2017 insured loss
(current exposures)
1 1906 San Francisco, CA 7.8 $71
2 1811-1812 New Madrid, MO 7.7 59
3 1700 Cascadia Subduction Zone, WA, OR, CA 9.0 47
4 1838 San Francisco, CA 7.4 31
5 1886 Charleston, SC 7.3 30
6 1994 Northridge, CA 6.7 15
7 1868 Hayward, CA 7.0 15
8 1812 Wrightwood, CA 7.5 12
9 1857 Fort Tejon, CA 7.9 8
10 1989 Loma Prieta, CA 6.9 4

(1) Modeled loss to property, contents, business interruption and additional living expenses for residential, mobile home, commercial and auto exposures as of December 31, 2016. Losses include demand surge and fire following earthquake and account for tsunami, liquefaction and landslide. Policy conditions and earthquake insurance take-up rates are based on estimates by state insurance departments and client claims data. The model reflects recent updates to seismic and ground motion information as well as updated building characteristics of insured properties.

Source: AIR Worldwide Corporation.

Insurance Carriers and Related Activities Compensation, 2014-2023

Year Annual payroll ($ billions)
2014 $234.0
2015 250.7
2016 255.8
2017 271.0
2018 285.7
2019 298.6
2020 315.9
2021 323.8
2022 347.4
2023 369.0

Source: Compensation of employees by NAICS industry, Bureau of Economic Analysis, U.S. Department of Commerce.

Top 10 States, By Number Of Tornadoes, 2025 (1)

Rank State Number of tornadoes (2) Fatalities
1 Texas 162 0
2 Illinois 147 0
2 Missouri 120 17
4 Mississippi 111 8
5 Alabama 72 3
5 North Dakota 72 3
7 Indiana 67 1
8 Oklahoma 66 1
9 Arkansas 61 3
10 Minnesota 56 0

(1) Numbers include preliminary estimates as of January 2026.
(2) Tornadoes that cross state lines are counted in every state in which they touch down.

Source: U.S. Department of Commerce, Storm Prediction Center, National Weather Service.

Odds Of Death In The United States By Selected Cause Of Injury, 2023 (1)

Cause of death Number of deaths, 2023 One-year odds Lifetime odds
Accidental poisoning by and exposure to noxious substances (2) 100,304 3,339 43
     Drug poisoning  97,231 3,445 44
     Opioids (including both legal and illegal) 75,493 4,436 57
All motor vehicle accidents 44,762 7,482 95
     Car occupants 6,707 49,935 637
     Pedestrians 9,076 36,901 471
     Motorcycle riders 6,048 55,376 706
Assault by firearm 17,927 18,682 238
Exposure to smoke, fire and flames 3,375 99,234 1,266
Fall on and from stairs and steps 2,922 114,618 1,462
Drowning and submersion while in or falling into swimming pool 821 407,935 5,203
Fall on and from ladder or scaffolding 576 581,449 7,416
Firearms discharge (accidental) 434 771,693 9,843
Air and space transport accidents 45 7,442,553 94,931
Cataclysmic storm (3) 109 3,072,614 39,192
Flood 39 8,587,561 109,535
Bitten or struck by dog 96 3,488,697 44,499
Earthquake and other earth movements 33 10,148,936 129,451
Lightning 18 (4) (4)

(1) Based on fatalities and life expectancy in 2023. Ranked by deaths in 2023.
(2) Includes all types of medications including narcotics and hallucinogens, alcohol and gases.
(3) Includes hurricanes, tornadoes, blizzards, dust storms and other cataclysmic storms.
(4) Rates based on less than 20 deaths are likely to be unstable from year to year and are therefore not included.

Source: National Center for Health Statistics; National Safety Council.

Top 10 Global Property/Casualty Reinsurance Groups By Gross Reinsurance Written Premiums, 2022 (1)

(US$ millions)
Rank Company Gross reinsurance
premiums written		 Country
1 Munich Reinsurance Co. $36,729 Germany
2 Hannover Re S.E. (2) 25,884 Germany
3 Swiss Re Ltd. 23,763 Switzerland
4 Lloyd’s of London (3) 18,533 United Kingdom
5 Berkshire Hathaway Inc. (4) 16,962 United States
6 SCOR RE 10,695 France
7 Everest Re Group Ltd. 9,316 Bermuda
8 ReinaisanceRe Holdings, Ltd. 9,214 Bermuda
9 China Reinsurance (Group) Corp. 7,688 China
10 PartnerRe Ltd. 7,015 Bermuda

(1) Ranked by unaffiliated gross written premiums.
(2) Net premiums earned.
(3) Lloyd’s premiums are reinsurance only. Premiums for certain groups within the rankings also may include Lloyd’s syndicate premiums when applicable.
(4) Berkshire Hathaway completed its acquisition of Alleghany Corp. on Oct. 19, 2022.

Source: AM Best Co. Inc. sourced from Business Insurance (www.businessinsurance.com), October 2023.

Top 10 Private Industry Sectors By Number Of Nonfatal Occupational Injuries and Illnesses, 2021-2022

Rank Industry Number (1)
(000)		 Percent of total
private industry
1 Healthcare and social assistance 321.3 27.1%
2 Retail trade 188.8 15.9
3 Manufacturing 134.6 11.4
4 Transportation and warehousing (2) 129.5 10.9
5 Accommodation and food services 77.0 6.5
6 Construction 71.7 6.1
7 Wholesale trade 62.2 5.3
8 Administrative and support and waste management
and remediation services		 46.9 4.0
9 Professional, scientific, and technical services 25.8 2.2
10 Other services (except public administration) 24.1 2.0
  Total, top 10 1,081.9 91.4%
  Total, private industry 1,184.2 100.0%

(1) Cases with days away from work.
(2) Data for employers in rail transportation are provided to BLS by the Federal Railroad Administration, U.S. Department of Transportation.

Source: Bureau of Labor Statistics, U.S. Department of Labor.

STATE REGULATION OF RATES (1)

As of April 2015
State Prior
Approval		 Modified
Prior
Approval		 Flex
Rating		 File
and Use		 Use
and File		 State
Pre-scribed		 No File-
Record
Main-
tenance
AL Personal lines, medical malpractice and any other type of coverage with an overall rate increase of 10% or more     Commercial lines except medical malpractice and any other type of coverage involving an overall rate increase of 10% or more      
AK Medical malpractice   All lines except medical malpractice and exempt commercial policyholders All lines not qualifying under flex rating except exempt commercial policyholders and medical malpractice   Lines issued to exempt commercial policyholders; Informational filing  
AZ         All lines except exempt lines and lines issued to industrial insureds   Exempt lines and lines issued to industrial insureds
AR Professional liability except officers and directors liability and fiduciary insurance     Personal lines, officers and directors liability, fiduciary insurance     Commercial risks other than professional liability
CA All lines            
CO       All lines except lines issued to exempt commercial policyholders     Exempt commercial policyholders
CT Private passenger automobile territories; Employers liability and professional liability insurance for physicians and surgeons, hospitals, advance practice registered nurses and physicians assistants     All commercial lines except employers liability and professional liability insurance for physicians and surgeons, hospitals, advance practice registered nurses and physicians assistants; Personal risk insurance except private passenger automobile territories and rate increases or decreases of more than 6%; Personal risk insurance with rate increases or decreases of 6% or less in the aggregate and not more than 15% in any individual territory      
DE       All lines (2)      
DC Medical malpractice rate increases of more than 10%     All lines except medical malpractice rate increases of 10% or less and exempt commercial risks     Exempt commercial risks
FL       All lines except motor vehicle and exempt commerical lines (3); Motor vehicle except commercial motor vehicles All lines except motor vehicle and exempt commercial lines (3); Motor vehicle except commercial motor vehicles   Exempt commercial line; Commercial motor vehicle insurance
GA Private passenger automobile filings providing only mandatory minimum limits     All lines except private passenger automobile and insurance issued to large commercial risks; Private passenger automobile filings providing coverage above mandatory minimum limits; Rate decrease filings for all lines except lines issued to large commercial risks     Large commercial risks
HI All lines            
IA All lines except private passenger automobile and homeowners     Private passenger automobile and homeowners      
ID         All lines (4)    
IL         All lines (5)    
IN       All lines except lines issued to commercial policyholders or "File and wait" (for revisions that have a rate adjustment which depends upon a change in the relationship between the proposed rates and anticipated production expenses) Insurance issued to commercial policyholders    
KS Health care provider liability     All lines except health care provider liability and exempt lines; Personal lines with a statewide increase or decrease of 12% or less; Personal lines with a statewide increase or decrease of more than 12%     Exempt lines
KY All personal lines and designated commercial lines except  insurance issued to "industrial insureds", "government entity insureds" and "exempt commercial policyholders"   Rate changes for personal lines and designated commercial lines within the "flex band" are "use and file." Rate changes for personal lines and designated commercial lines outside the "flex band" are "prior approval"   All personal lines and designated commercial lines except insurance issued to "industrial insureds", "government entity insureds" and "exempt commercial policyholders"   Insurance issued to "industrial insureds", "government entity insureds" and "exempt commercial policyholders"; all commercial lines except designated lines
LA       All lines      
ME       All lines except large commercial policyholders     Insurance issued to large commercial policyholders except medical malpractice
MD Fidelity, financial institutions and medical malpractice (6)     All lines except fidelity, financial institutions and medical malpractice      
MA Private passenger automobile; Motor vehicle repair shop endorsement plan     All lines except medical malpractice, private passenger automobile, motor vehicle shop endorsement plan, large commercial policyholders and non-filed inland marine classes     Large commercial policyholders; Non-filed inland marine clasess
MI All lines except private passenger automobile, homeowners, dwelling fire and exempt commercial policyholders, OR file and use (Option)     Private passenger automobile, homeowners and dwelling fire (7) (Option)     Exempt commercial policyholders
MN       All personal lines; Expedited automobile, homeowners and professional liability covering individuals                

NOTE: Professional liability can receive immediate approval

     Commercial lines except professional liability covering individuals
MS All lines except (8) inland marine           Inland marine
MO       Medical malpractice insurance All lines except commercial property and commercial casualty; Commercial property and commercial casualty except medical malpractice    
MT       All lines      
NE Medical professional liability and nonfleet automobile rentals     All personal and commercial lines except medical professional liability, nonfleet automobile rentals and exempt commercial policyholders     Lines issued exempt commercial policyholders
NV Personal lines and designated professional liability classes     Personal lines and designated professional liability classes; All filings except rate increases or decreases     Exempt lines
NH Medical malpractice for physicians, surgeons and hospitals     Personal lines (9) Commercial lines except employment practices liability, directors and officers liability, boiler and machinery (equipment breakdown), medical malpractice for physicians, surgeons and hospitals and policies issued to large commercial policyholders   Employment practices liability, directors and officers liability, boiler and machinery (equipment breakdown) and policies issued to large commercial policyholders
NJ Personal lines except private passenger automobile and homeowner rate increases of no more than 5%, decreases or rate changes that are revenue neutral; private passenger automobile rate increases or decreases except statewide average base rate increases of no more than 7% and initial multiple ratings tier filings; medical malpractice rate increases/decreases of more than 15%     Medical malpractice rate increases/decreases of not more than 15% Commercial lines except medical malpractice and special risks   Special risks 
NM Farmowners and medical malpractice     Personal lines     Commercial lines except medical malpractice and farmowners
NY Hired vehicles (including buses and school buses), prior approval (rate increases) or file and use (rate decreases), Private passenger automobile except nonbusiness auto (where insured is a natural person) and medical malpractice; Territories and classifications (all lines)     Designated commercial lines; nonbusiness private passenger automobile (where insured is a natural person); "flex rating" (file and use); Overall average (for all coverages combined) rate level increase or decrease of 5% or less above or below the company's rates in effect may take effect without prior approval OR prior approval; Overall average (for all coverages combined) rate level increase or decrease in excess of 5% above the company's rates in effect All lines except private passenger  automobile, vehicles for hire (including buses and school buses) rate increases, designated commercial lines, medical malpractice, inland marine, exempt lines  and rating classifications or territories (all lines)   Exempt lines
NC Homeowners, dwelling fire and mobile-homeowners, Private passenger automobile     "Non-essential lines"-all lines EXCEPT private passenger automobile, homeowners, dwelling fire and mobile-homeowners      
ND Personal lines except private passenger auto and homeowners filings of less than 5%; Farmowners and medical malpractice       Private passenger auto and homeowners rate filings of less than 5%; Commercial lines except farmowners and medical malpractice    
OH All property lines     All casualty lines and motor vehicle; Homeowners, commercial multi-peril and package policy or program that contains both property and liability component      
OK         All lines except "commercial special risks"   Commercial special risks
OR     Specified commercial liability markets; "Flex rating"; Prior approval (filing with average annual total limits rate level increase or decrease exceeding 15%) OR file and use (filing with average annual total limits rate level increase or decrease not exceeding 15%) All lines except specified commercial liability markets      
PA All lines (10) except small commercial risks, motor vehicle and large commercial risks OR file and wait (filings which decrease currently approved rates NOT more than 10% for all policyholders either by coverage or line of insurance); Small commercial risks OR file and wait (filings which increase or decrease currently approved rates NOT more than 10% annually); Motor vehicle     Motor vehicle (filings which decrease currently approved rates NOT more than 10% for all policyholders either by coverage or line of insurance)     Large commercial risks
PR All lines except exempt commercial lines           Exempt commercial lines
RI Medical malpractice; Uninsured motorist property damage     Personal lines overall statewide rate increases or decreases of more than 5% and all commercial lines except medical malpractice, commercial special risks and uninsured motorist property damage     Commercial special risks
SC All lines except certain "essential property insurance", exempt lines, personal lines filings which increase or decrease overall rate levels by up to 7% above or below company´s existing rate and exempt commercial policies; Certain "essential property insurance" (for the coastal area)     Personal lines filings which increase or decrease overall rate levels by up to 7% above or below company's existing rate     Exempt lines and exempt commercial policies
SD       All lines except exempt commercial policyholders     Exempt commercial policyholders
TN Personal lines insurance with rate increases or decreases of more than 15% and farm     Personal lines insurance with rate increases or decreases of 15% or less All commercial lines except farm and exempt commerical risk policyholders   Lines issued to exempt commercial risk policyholders
TX       Residential and commercial property, general liability, boiler and machinery (equipment breakdown), crime, glass, miscellaneous casualty, commercial umbrella and excess liability, farm and ranchowners, medical professional liability, commercial and personal automobile, inland marine, commercial multi-peril, personal casualty (including personal liability and personal umbrella) except exempt lines     Exempt lines
UT         All lines except commercial excess and umbrella liability   Commercial excess and umbrella liability
VT Claims made liability       All lines except claims made liability    
VA       All lines except exempt lines and certain lines issued to large commercial risks OR "file and wait" (revision involving replacing a rate that was disapproved within previous one year period)     Exempt lines
WA Personal lines and medical malpratice       Commercial lines except medical malpractice and large commercial accounts   Large commercial property and casualty accounts
WV All lines except commercial lines; Medical malpractice     Commercial lines except medical malpractice      
WI         All lines except inland marine   Inland marine
WY Physicians, surgeons and hospitals medical malpractice           All lines except physicians, surgeons and hospitals medical malpractice

(1) This chart is based on the April, 2015 ISO State Filing Handbook. Generally, this chart reflects the type of regulation for property and casualty (except surety, fidelity, certain non-filed inland marine insurance, workers compensation and employers liability) insurance rates for insurers. This chart does not set forth the types of state statutory regulation for policy forms, rules or other supplementary rating information, or requirements that may only apply to rating, rate service or advisory organizations. The information contained in this publication was obtained from sources believed to be reliable. ISO, its companies and employees make no guarantee of results and assume no liability in connection with the information herein contained.
(2) Insurance Department advises that it processes all filings under prior approval procedures.
(3) Insurance Department mandates certain notification requirements for specified lines.
(4) Idaho Code §41-1439 only set forth record maintenance requirements.  However, in Bulletin 91-1 (1/2/91), the Idaho Department of Insurance requests that rates be submitted on a use and file basis.
(5) While there are no statutory provisions for lines other than medical liability, Department of Insurance regulations promulgate filing procedures and requirements.
(6) Certain rate decreases and certain subsequent modifications to such decreases are subject to use and file provisions.
(7) All lines except private passenger automobile, homeowners and dwelling fire may be filed in accordance with prior approval provisions (Mich. Comp. Laws §§500.2406, 500.2408, 500.2606, 500.2608) or file and use provisions (Mich. Comp. Laws §§500.2430, 500.2628).
(8) While Miss. Code Ann. 83-7-2 provides that certain filings of rate adjustments not involving a change in expense relationship or rate classification are subject to “file and use”, the Insurance Department advises that it processes all filings under “prior approval” procedures.
(9) Pursuant to insurance regulations Ins 902, if the commissioner has a consulting actuary or consulting actuarial firm analyze a rate filing, the rate change shall not become effective until the actuarial review is completed, submitted to the insurance department and approved by the commissioner.
(10) Certain filings that decrease approved rates may be submitted on a file and use basis.  However, if the commissioner finds the filings unacceptable, he/she must notify the insurer within 15 days.

© Insurance Services Office, Inc., 2002, 2013.

Source: ISO®, a Verisk Analytics® business.

Percent Of Drivers Involved In Fatal Crashes Impaired By Alcohol By Age, 2014 And 2023 (1)

Age 2014 2023 Point change
15 to 20 17% 20% 3 pts
21 to 24   30 28 -2
25 to 34   29 26 -3
35 to 44   24 23 -1
45 to 54   20 19 -1
55 to 64   16 16 0
65 to 74   10 12 2
Over 74   5 8 3

(1) Alcohol-impaired driving crashes are crashes that involve at least one driver or a motorcycle operator with a blood alcohol concentration (BAC) of 0.08 grams per deciliter or above, the legal definition of alcohol-impaired driving in most states.

Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.

Top 10 Leading Causes of Death, 2023

Rank (1) Cause of death Number of
deaths		 Rate (2)
1 Heart disease 680,981 162.1
2 Malignant neoplasms (cancer) 613,352 141.8
3 Accidents (unintentional injuries) 222,698 62.3
4 Cerebrovascular diseases (stroke) 162,639 39.0
5 Chronic lower respiratory diseases 145,357 33.4
6 Alzheimer’s disease 114,034 27.7
7 Diabetes 95,190 22.4
8 Kidney disease 55,253 13.1
9 Chronic liver disease and cirrhosis 52,222 13.0
10 COVID-19 49,932 11.9
  All other causes 899,306 NA
  All deaths 3,090,964 750.5

(1) Based on number of deaths.
(2) Deaths per 100,000 U.S. standard population.

NA=Not applicable.

Source: National Center for Health Statistics, National Vital Statistics System, Mortality.

Workplace Losses And Deaths, 2014-2023

    Economic loss (1) ($ millions) Preventable deaths (2)
Year Workers (3)
(000)		 Dollars when
occurred		 In 2023
dollars (4)		 Number Per 100,000
workers
2014 146,307 $140,000 $179,630 4,132 3.0
2015(5) 150,031 142,500 182,528 4,190 3.0
2016 152,632 151,000 191,829 4,398 3.1
2017 154,511 161,500 201,683 4,414 3.1
2018 156,948 170,800 207,186 4,493 3.1
2019 158,725 171,000 203,738 4,572 3.1
2020 148,982 163,900 193,372 4,113 3.0
2021 153,691 167,000 186,996 4,472 3.1
2022 159,379 167,000 172,307 4,695 3.2
2023 162,102 176,500 176,500 4,543 3.0

(1) Economic loss from unintentional injuries. These estimates are not comparable from year to year.
(2) Preventable deaths from unintentional injuries.
(3) Age 16 and over, gainfully employed, including owners, managers and other paid employees, the self-employed, unpaid family workers and active duty resident military personnel.
(4) Adjusted to 2023 dollars by the Insurance Information Institute using the Bureau of Labor Statistics’ Inflation Calculator.
(5) The 2015 National Safety Council cost estimate model represents a complete redesign and is not comparable to previous cost estimates. The 2014 estimate should be considered a data break from previous years.

Source: Deaths reflect National Safety Council (NSC) analysis of data from the Bureau of Labor Statistics (BLS) Census of Fatal Occupational Injuries (CFOI). Economic loss and fatalities are NSC estimates based on data from BLS. Economic loss in 2023 dollars calculated by the Insurance information Institute using the Bureau of Labor Statistics Inflation Calculator.

Top 10 States By Recreational Watercraft Accidents, 2024 (1)

Rank State Accidents Deaths People injured Property damage
1 Florida 632 75 370 $23,173,353
2 California 377 45 203 6,588,237
3 Texas 174 27 128 4,521,901
4 South Carolina 154 10 82 7,917,420
5 North Carolina 142 13 77 1,731,933
6 Tennessee 129 15 56 1,227,427
7 Michigan 120 28 63 1,570,450
8 New Jersey 113 4 50 3,277,627
9 Maryland 112 6 72 8,204,921
10 New York 110 8 57 2,965,150

(1) Includes accidents involving $2,000 or more in property damage. Includes watercraft such as motorboats and sailboats and other vessels such as Jet Skis.

Source: U.S. Department of Homeland Security, U.S. Coast Guard.

Top 10 States With The Most Number Of Motor Vehicle Thefts, 2022-2023 (1)

Rank State 2023 2022 Percent change
2022-2023
1 California 208,668 202,685 3%
2 Texas 115,013 105,015 10
3 Florida 46,213 45,973 1
4 Washington 43,160 46,939 -8
5 Illinois 41,528 38,649 7
6 Colorado 34,068 42,237 -19
7 New York 32,715 28,292 16
8 Ohio 31,647 29,913 6
9 Georgia 28,171 26,529 6
10 Missouri 27,279 29,345 -7

(1) Law Enforcement Agencies may still be reporting thefts for 2023, and these numbers may change.

Source:  National Insurance Crime Bureau.

Recreational Watercraft Accidents, 2020-2024 (1)

  Accidents Fatalities    
Year Total Involving
alcohol
use (2)		 Total Involving
alcohol
use (2)		 Injuries Property
damage
($ millions)
2020 5,265 353 767 130 3,191 $63
2021 4,439 330 658 110 2,641 68
2022 4,040 270 636 108 2,222 63
2023 3,844 262 564 97 2,126 63
2024 3,887 293 556 112 2,170 88

(1) Includes accidents involving $2,000 or more in property damage. Includes U.S. territories and offshore accidents.
(2) The use of alcohol by a boat’s occupants was a direct or indirect cause of the accident.

Source: U.S. Department Homeland Security, U.S. Coast Guard.

Motor Vehicle Theft, 2020-2024 (1)

Year Estimated total vehicle thefts Percent change
2020 880,595 9.9%
2021 932,329 5.9
2022 1,008,756 8.2
2023 1,020,729 1.2
2024 850,708 -16.7

(1) Law Enforcement Agencies may still be reporting thefts for 2024, and these numbers may change.

Source: National Insurance Crime Bureau.

Catastrophic Hurricane Losses In The United States, 2007-2016

($ billions)
    Estimated insured loss     Estimated insured loss
Year Number of
catastrophic
hurricanes (1)		 Dollars when
occurred		 In 2016
dollars (2)		 Year Number of
catastrophic
hurricanes (1)		 Dollars when
occurred		 In 2016
dollars (2)
2007 0 (3) NA NA 2012 2 $19.7 $20.8
2008 3 $15.2 $17.0 2013 0 (3) NA NA
2009 0 (3) NA NA 2014 0 (3) NA NA
2010 0 (3) NA NA 2015 0 (3) NA NA
2011 1 4.3 4.6 2016 2 2.9 2.9

(1) Hurricanes causing insured property losses of at least $25 million in 1997 dollars and affecting a significant number of policyholders and insurers. Exclude losses covered by the federally administered National Flood Insurance Program.
(2) Adjusted for inflation through 2016 by ISO using the GDP implicit price deflator.
(3) No hurricane met the PCS definition of a catastrophe.

Source: The Property Claim Services® (PCS®) unit of ISO®, a Verisk Analytics® company.

Homeowners Insurance Claims And Payout for Lightning Losses, 2017-2024

Year Value of claims
($ millions)		 Number of
claims		 Average cost
per claim
2017 $916.61  85,020 $10,781
2018 908.93  77,898 11,668
2019 920.05  76,860 11,971
2020 2,066.74  71,551 28,885
2021 1,313.06  60,851 21,578
2022 950.22  62,189 15,280
2023 1,239.72  70,787 17,513
2024 1,035.28  55,537 18,641
Percent change      
2024 – 2023 -16.5% -21.5% 6.4%
2024 – 2017 12.9% -34.7% 72.9%

Source: Insurance Information Institute, State Farm®.

NUMBER OF RISK RETENTION GROUP INSURED BY BUSINESS AREA, 2009-2010

Business area 2009 2010 (1)
Environmental 1,942 1,687
Financial 1,250 1,000
Government and institutions 6,815 7,358
Healthcare 101,849 121,074
Leisure 1,868 2,242
Manufacturing and commerce 14,508 12,471
Professional services 82,799 79,184
Property development 36,907 38,102
Transportation 9,782 9,105
Total 257,720 272,223

(1) Projected.

Source: Risk Retention Reporter.

PREMIUM FOR RISK RETENTION GROUPS BY BUSINESS AREA, 2014-2015

($ millions)
Business area 2014 2015 (1)
Healthcare $1,594.3 $1,604.0
Professional services 477.8 466.3
Government and institutions 310.5 322.5
Transportation 194.6 223.7
Property development 140.0 149.4
All other sectors 118.8 151.2
Total $2,836.0 $2,917.1

(1) Projected.

Source: November 2015 Risk Retention Reporter.

Healthcare Coverage, 2020

(000)
  Number Percent of total
Insured (1) 297,680 91.4%
  Private health insurance 216,532 66.5
  Government health insurance 113,337 34.8
Uninsured  27,957 8.6%
Total (2) 325,638 100.0%

(1) Includes individuals with some form of insurance, i.e., government, private and a combination of both and is not a total of people who have either private or government health insurance. People can be covered by more than one type of coverage through the year.
(2) Differs from Census Bureau estimates of the total population because of different survey methods.

Source: U.S. Department of Commerce, Census Bureau.

Estimated Asbestos Losses, 2015-2024 (1)

($ billions)
    Losses  
Year Beginning reserve Incurred (2) Paid Ending reserve (3)
2015 $19.4 $1.7 $2.8 $18.3
2016 18.6 1.5 3.0 17.1
2017 16.9 1.7 1.8 16.8
2018 16.8 0.8 1.9 15.7
2019 15.7 1.1 1.7 15.1
2020 15.1 1.4 1.5 14.9
2021 14.7 1.0 1.5 14.2
2022 14.2 0.9 1.6 13.5
2023 13.2 1.0 1.5 12.7
2024 12.6 1.3 1.5 12.4

(1) All amounts are net of reinsurance recoveries.
(2) Incurred losses are losses related to events that have occurred, regardless of whether or not the claims have been paid, net of reinsurance. Includes loss adjustment expenses.
(3) Because of changes in the population of insurers reporting data each year, the beginning reserve may not equal the ending reserve of the prior year.

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

Fire Losses, 2015-2024 (1)

Year Property loss ($ millions) Loss per capita (2)
2015 $19,759 $61.60
2016 23,789 73.63
2017 36,510 112.30
2018 46,972 143.72
2019 31,614 96.29
2020 38,537 116.22
2021 44,228 133.18
2022 45,106 135.04
2023 48,880 145.13
2024 46,985 138.15

(1) Including allowances for FAIR Plan and uninsured losses.
(2) Calculated by the Insurance Information Institute using ISO property loss and population estimates from the U.S. Census Bureau, Population Division.

Source: ISO®, a Verisk Analytics® business; U.S. Census Bureau, Population Division.

Private Crop Insurance, 2015-2024

($000)
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2015 $584,600 0.3% 146.2 7.3 pts.
2016 455,411 -22.1 122.3 -23.9
2017 533,432 17.1 107.5 -14.8
2018 693,254 30.0 126.9 19.4
2019 686,416 -1.0 117.5 -9.4
2020 623,990 -9.1 146.9 29.5
2021 711,267 14.0 122.0 -25.0
2022 1,015,832 42.8 99.3 -22.7
2023 928,202 -8.6 140.3 41.1
2024 1,071,980 15.5 127.9 -12.4

(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 data.

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

Top 10 Highest And Lowest States By Estimated Percentage Of Uninsured Motorists, 2023 (1)

  Highest   Lowest
Rank (2) State Percent uninsured Rank (2) State Percent uninsured
1 Mississippi 28.2% 1 Maine 5.7%
2 New Mexico 24.1 2 Utah 6.2
3 D.C. 23.1 3 Idaho 6.4
4 Michigan 22.3 4 Wyoming 6.7
5 Tennessee 21.3 5 Montana 7.2
6 Missouri 20.7 6 West Virginia 7.8
7 Florida (3) 20.6 7 Massachusetts 7.9
8 California 20.4 8 New York 8.6
9 Colorado 19.7 9 South Dakota 9.4
10 Washington 19.1 10 Nebraska 9.5

(1) Percentage of uninsured drivers, as measured by the ratio of uninsured motorists (UM) claims to bodily injury (BI) claim frequencies.
(2) Rank calculated from unrounded data.
(3) In Florida, compulsory auto laws apply to personal injury protection (PIP) and physical damage, but not to third party bodily injury coverage.

Source: Insurance Research Council.

Workers Compensation Insurance, 2015-2024

($000)
      Combined ratio (1)
Year Net premiums
written (2)		 Annual percent
change		 Calendar
year (3)		 Annual point
change (4)		 Accident
year (5)		 Annual point
change
2015 $45,354,404 3.7% 95.4 -6.4 pts. 84 -3 pts.
2016 45,619,242 0.6 95.6 0.2 84 0
2017 45,046,400 -1.3 92.3 -3.3 85 1
2018 48,594,398 7.9 86.4 -5.9 87 2
2019 47,127,823 -3.0 88.2 1.8 91 4
2020 42,614,903 -9.6 90.3 2.1 93 2
2021 43,137,129 1.2 91.5 1.2 98 5
2022 47,547,324 10.2 87.2 -4.3 95 -3
2023 48,022,852 1.0 88.1 0.9 98 3
2024 46,299,239 -3.6 88.8 0.7 99 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) Calendar year data from S&P Global Market Intelligence
(4) Calculated from unrounded data.
(5) Accident year data from the National Council on Compensation Insurance (NCCI).

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

Top 10 Most Significant Flood Events By National Flood Insurance Program Payouts (1)

Rank Date Event Number of
paid losses		 Amount paid
when occurred
($ millions)		 Amount paid
in 2025 dollars
($ millions)		 Average paid loss
in 2025 dollars
1 Aug. 2005 Hurricane Katrina 168,200 $16,330  $27,007  $160,565 
2 Oct. 2012 Superstorm Sandy 132,800 8,967 12,591 94,812
3 Sep. 2017 Hurricane Harvey 77,100 9,015 11,926 154,682
4 Sep. 2024 Hurricane Helene 57,800 5,803 5,978 103,426
5 Sep. 2022 Hurricane Ian 48,000 4,300 4,687 97,646
6 Sep. 2008 Hurricane Ike 46,900 2,711 4,024 85,800
7 Aug. 2016 Louisiana severe storms and flooding 27,600 2,522 3,401 123,225
8 Sep. 2004 Hurricane Ivan 31,000 1,671 2,859 92,226
9 May 2001 Tropical Storm Allison 30,900 1,110 2,025 65,534
10 Aug. 2011 Hurricane Irene 43,800 1,344 1,927 43,995

(1) Defined by the National Flood Insurance Program as an event that produces at least 1,500 paid losses, since 1978. As of January 2026.

Source: Federal Emergency Management Agency (FEMA) National Flood Insurance Program (NFIP) data; analysis courtesy of Aon.

Incurred Losses for Auto Insurance, 2020-2024 (1)

($000)
  2020 2021 2022 2023 2024
Private passenger auto          
     Liability $81,627,769 $95,420,729 $118,106,320 $125,670,793 $132,012,369
     Physical damage 54,659,175 73,802,318 91,033,128 95,379,852 89,499,857
Commercial auto          
     Liability 19,279,909 21,008,709 26,227,343 30,299,205 33,572,686
     Physical damage 4,824,642 5,779,487 7,669,261 8,219,219 7,968,725
Total $160,391,495 $196,011,243 $243,036,052 $259,569,069 $263,053,637

(1) Losses occurring within a fixed period, whether or not adjusted or paid during the same period, after reinsurance transactions.

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

Insurance And Other Consumer Expenditures As A Percent Of Total Household Spending, 1990-2024 (1)

  1990 1995 2000 2005 2010 2015 2020 2022 2024
Housing (2) 30.0% 31.7% 31.7% 31.9% 33.7% 32.1% 34.0% 32.4% 32.5%
Transportation  (2) 15.9 16.4 17.5 16.0 13.9 15.0 13.5 14.7 14.4
Food 15.0 14.0 13.6 12.8 12.7 12.5 11.9 12.8 12.9
Retirement (3) 8.8 8.0 7.8 10.4 10.5 10.7 11.0 11.3 11.8
Total insurance 5.8 6.8 6.3 6.5 7.3 8.7 10.3 9.0 9.4
  Health 2.0 2.7 2.6 2.9 3.8 5.3 6.0 5.2 5.2
  Vehicle 2.0 2.2 2.0 2.0 2.1 1.9 2.6 (4) 2.2 2.5
  Homeowners and tenants  0.5 0.7 0.7 0.7 0.8 0.8 0.9 0.9 1.0
  Life 1.2 1.1 1.0 0.8 0.6 0.6 0.7 0.7 0.7
  Other insurance 0.1 0.1 0.1 0.1 (5) (5) 0.1 (5) (5)
Other 10.6 10.2 10.5 10.4 10.4 10.1 9.8 9.6 9.1
Entertainment 5.0 5.0 4.9 5.1 5.2 5.1 4.7 4.7 4.6
Healthcare (2) 3.1 2.7 2.8 2.8 2.8 2.4 2.5 2.8 2.7
Clothing 5.7 5.3 4.9 4.1 3.5 3.3 2.3 2.7 2.5

(1) Ranked by 2024 expenditures.
(2) Excludes insurance.
(3) Mostly payroll deductions for retirement purposes such as Social Security (72.5 percent of retirement expenditures), government and private pension plans (5.9 percent) and nonpayroll deposits such as IRAs (21.6 percent) in 2024.
(4) In 2019 the Bureau of Labor Statistics changed the data source used to estimate spending on vehicle insurance from the Diary Survey to the Interview Survey after it determined that the Interview Survey provided a better measure of spending for the category.
(5) Less than 0.1 percent.

Note: Percentages may not add to 100 percent due to rounding.

Source: U.S. Department of Labor, Bureau of Labor Statistics.

Net Premiums Written, U.S. Property/Casualty Reinsurers, 2013-2022

($000)
Year Net premiums written Annual percent change Combined ratio (1) Annual point change
2013 29,144,853 -7.9 86.8 -9.4 pts.
2014 50,012,241 (2) 71.6 91.0 4.2
2015 41,466,073 -17.1 92.3 1.3
2016 42,507,830 2.5 95.1 2.8
2017 48,967,222 15.2 108.4 13.3
2018 63,153,563 29.0 103.3 -5.1
2019 61,835,210 -2.1 100.5 -2.8
2020 69,401,178 12.2 101.4 0.9
2021 80,077,860 15.4 99.2 -2.2
2022 79,501,129 -0.7 99.5 0.3

(1) After dividends to policyholders.
(2) Includes National Indemnity Co.’s loss portfolio and quota share agreements with affiliated GEICO companies.

Source: Reinsurance Association of America.

Top 10 U.S.-Based Surplus Lines Insurance Companies By Nonadmitted Direct Premiums Written, 2016 (1)

Rank Company Parent Nonadmitted direct written premiums
1 Lexington Insurance Co. American International Group lnc. $3,072,090,784
2 Nationwide Mutual Insurance Co. (2) Nationwide Mutual Insurance Co. 1,677,321,986
3 Chubb LTD. (3) Chubb LTD. 1,486,045,491
4 (AEGIS) Associated Electric & Gas Ins. Services Inc. AEGIS 1,236,475,000
5 Markel Corp. Markel Corp. 1,234,126,766
6 Liberty Mutual Holding Co. Inc. (4) Liberty Mutual Insurance 1,206,000,000
7 Steadfast Insurance Co. Zurich Insurance Group Ltd. 1,075,923,941
8 Indian Harbor Insurance Co. XL Group P.L.C. 928,755,594
9 National Fire & Marine Insurance Co. Berkshire Hathaway Reinsurance Group 901,676,070
10 AIG Specialty Insurance Co. American International Group lnc. 724,617,049

(1) Excludes Lloyd’s of London syndicates.
(2) Formerly Scottsdale Insurance Company and Western Heritage Insurance Company.
(3) Includes Westchester Surplus Lines Insurance Co., Illinois Union Insurance Co., Chubb Custom Insurance Co. and Executive Risk Specialty Insurance Co.
(4) Acquired Ironshore Specialty Insurance Co.

Source: Business Insurance (www.businessinsurance.com), September 2017.

Consolidated Assets and Policyholders’ Surplus, P/C Insurance, 2015-2024

($ millions)
Year Net admitted
assets		 Annual
percent
change		 Statutory
liabilities		 Annual
percent
change		 Policyholders’
surplus		 Annual
percent
change		 Total net
premiums
written (1)		 Annual
percent
change
2015 $1,749,491 0.7% $1,057,843 1.1% $691,648 0.2% $520,613 3.5%
2016 1,811,796 3.6 1,096,758 3.7 715,039 3.4 534,003 2.6
2017 1,923,124 6.1 1,155,729 5.4 767,392 7.3 558,473 4.6
2018 1,941,538 1.0 1,182,589 2.3 758,949 -1.1 618,333 10.7
2019 2,116,463 9.0 1,249,518 5.7 866,945 14.2 639,859 3.5
2020 2,265,830 7.1 1,335,864 6.9 929,967 7.3 655,777 2.5
2021 2,504,269 10.5 1,451,116 8.6 1,053,153 13.2 715,677 9.1
2022 2,506,077 0.1 1,523,911 5.0 982,166 -6.7 778,235 8.7
2023 2,682,250 7.0 1,639,010 7.6 1,043,241 6.2 857,891 10.2
2024 2,816,905 5.0 1,714,598 4.6 1,102,306 5.7 918,590 7.1

(1) After reinsurance transactions, excludes state funds.

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

Operating Results, Property/Casualty Insurance, 2015-2024 (1)

($ millions)
Year Net underwriting
gain/loss		 Net investment
income earned		 Net realized
capital gains/losses		 Policyholder
dividends		 Taxes (2) Net income
after taxes (3)
2015 $11,163 $48,924 $9,580 $3,017 $10,199 $58,012
2016 -2,394 48,144 8,058 2,944 7,321 44,557
2017 -20,599 50,521 19,058 3,309 -690 40,875
2018 3,097 56,981 10,699 3,710 7,269 61,115
2019 7,893 56,508 11,003 4,885 8,519 63,380
2020 12,066 53,469 10,677 7,676 8,696 61,254
2021 -407 56,068 17,496 4,639 9,091 63,014
2022 -22,392 71,471 -3,900 3,313 6,086 37,871
2023 -20,270 72,686 48,119 3,605 10,994 87,018
2024 26,155 86,679 79,341 4,165 19,619 169,817

(1) Excludes state funds.
(2) Includes federal and foreign taxes.
(3) Does not equal the sum of the columns shown due to the omission of miscellaneous income.

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

Net Premiums Written And Combined Ratio, Property/Casualty Insurance, 2015-2024

($ billions)
Year Net
premiums
written (1)		 Annual
percent
change		 Combined
ratio after
dividends (2)		 Annual
point
change (3)		 Year Net
premiums
written (1)		 Annual
percent
change		 Combined
ratio after
dividends (2)		 Annual
point
change (3)
2015 $520.5 3.5% 98.0 0.8 pts. 2020 $655.5 2.5% 98.8 -0.2 pts.
2016 534.0 2.6 100.8 2.9 2021 716.1 9.2 99.7 0.9
2017 558.4 4.6 103.9 3.1 2022 776.8 8.5 102.7 3.0
2018 618.3 10.7 99.3 -4.4 2023 857.6 10.4 101.8 -0.9
2019 639.5 3.4 99.0 -0.3 2024 932.7 8.8 96.7 -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 data.

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

Components of the Net Combined Ratio, Property/Casualty Insurance, 2015-2024 (1)

Year Loss and loss
adjustment
expense ratio (2)		 Expense ratio (3) Combined ratio Dividends to
policyholders (4)		 Combined ratio
after dividends
2015 69.3 27.9 97.2 0.6 97.7
2016 72.3 27.7 100.0 0.6 100.6
2017 76.0 27.1 103.0 0.6 103.6
2018 71.4 27.1 98.5 0.6 99.1
2019 71.0 27.0 98.0 0.8 98.8
2020 70.2 27.4 97.5 1.2 98.7
2021 72.4 26.4 98.8 0.7 99.5
2022 76.3 25.7 102.0 0.4 102.4
2023 76.3 24.9 101.3 0.4 101.7
2024 70.9 25.3 96.2 0.5 96.6

(1) Excludes state funds and other residual market insurers.
(2) Incurred loss and loss adjustment expenses as a percent of earned premiums.
(3) Other underwriting expenses as a percent of written premiums.
(4) Dividends to policyholders as a percent of earned premiums.

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

Individual Disability Insurance In Force, 2019 (1)

  Annualized
premiums		 Percent change,
2018-2019		 Number of
policies		 Percent change,
2018-2019
Noncancellable $4,163,830,441 1% 2,175,867 -1%
Guaranteed renewable 877,075,671 -3% 1,091,926 -4
Total $5,040,906,113 1% 3,267,793 -2%

(1) Short-term and long-term individual disability income insurance. Based on a LIMRA survey of 17 personal disability insurance companies. Excludes commercial disability income.

Source: LIMRA, Individual Disability Income Insurance, Annual Supplement, 2019.

Individual Disability Insurance, New Issues Sales, 2020 (1)

($000)
  Annualized
premiums		 Percent change,
2019-2020		 Number of
policies		 Percent change,
2019-2020
Guaranteed
renewable		 $93,000 -25% 138,994 -28%
Noncancellable 336,023 -5 153,849 -5
Total $429,023 -10% 292,843 -17%

(1) Short-term and long-term individual disability income insurance. Based on a LIMRA survey of 18 personal disability insurance companies. Excludes commercial disability income.

Source: U.S. Individual Disability Income Insurance Sales, 2020 4th Quarter, LIMRA, 2021.

Direct Premiums Written, Property/Casualty and Life/Annuity Insurance, 2015-2024

($000)
Year Property/casualty (1) Life/annuity (2) Total
2015 $591,757,789 $676,485,717 $1,268,243,506
2016 613,383,327 677,704,031 1,291,087,358
2017 642,531,528 687,279,884 1,329,811,412
2018 678,279,439 732,088,541 1,410,367,980
2019 712,471,198 768,019,838 1,480,491,036
2020 728,998,689 773,650,404 1,502,649,093
2021 798,702,031 827,717,052 1,626,419,083
2022 876,177,259 890,495,939 1,766,673,198
2023 968,654,539 942,924,284 1,911,578,823
2024 1,061,560,593 1,076,220,546 2,137,781,139
Percent change      
2015 to 2024 79.4% 59.1% 68.6%
2023 to 2024 9.6% 14.1% 11.8%

(1) Direct premiums written before reinsurance transactions, excludes state funds, includes accident and health insurance.
(2) Includes premiums, annuity considerations (fees for annuity contracts), deposit-type funds and accident and health insurance.

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

Top 10 Writers Of Group Life Insurance By Direct Premiums Written, 2024

($000)
Rank Group/company Direct premiums written (1) Market share (2)
1 MetLife Inc. $9,961,585  22.5%
2 Prudential Financial Inc. 4,419,304 10.0 
3 New York Life Insurance Group 3,718,426 8.4 
4 Nationwide Mutual Group 3,364,503 7.6 
5 Securian Financial Group 3,178,654 7.2 
6 Hartford Life & Accident Insurance Co. 2,342,271 5.3 
7 Unum Group 1,871,178 4.2 
8 Lincoln National Corp. 1,653,788 3.7 
9 Standard Life & Casualty Insurance Co. 1,593,187 3.6 
10 Guardian 868,035 2.0 

(1) Before reinsurance transactions. Based on U.S. total, includes territories. Excludes annuities, accident and health, deposit-type contract funds and other considerations.
(2) Based on U.S. total, excluding territories.

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

Top 10 Writers Of Individual Life Insurance By Direct Premiums Written, 2024

($000)
Rank Group/company Direct premiums written (1) Market share (2)
1 Northwestern Mutual Life Insurance Co. $13,656,926  8.8%
2 New York Life Insurance Group 9,055,351 5.8 
3 Massachusetts Mutual Life Insurance Co. 8,606,362 5.5 
4 Prudential Financial Inc. 7,987,416 5.1 
5 Lincoln National Corp. 6,319,880 4.1 
6 State Farm 5,890,142 3.8 
7 Protective 5,513,666 3.5 
8 Pacific Life 5,170,275 3.3 
9 John Hancock Life Insurance Co. 4,937,809 3.2 
10 Transamerica 4,713,898 3.0 

(1) Before reinsurance transactions. Based on U.S. total, includes territories. Excludes annuities, accident and health, deposit-type contract funds and other considerations.
(2) Based on U.S. total, excluding territories.

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

Structure Fires By Type Of Use, 2018 (1)

Property use Estimated number
of fires		 Percent change
from 2017		 Property loss (2)
($ millions)		 Percent change
from 2017
Public assembly 15,500 7% $384 35%
Educational 4,500 18 109 113
Institutional 6,500 -7 44 10
Residential 387,000 2 8,286 5
     Single- and 2-family homes (3) 276,500 5 6,493 6
     Apartments 86,500 -9 1,529 -4
     Other (4) 24,000 9 264 63
Stores and offices 18,000 (5) 778 2
Industry, utility, defense (6) 11,000 29 508 1
Storage in structures 27,000 -2 833 (5)
Special structures 29,500 -24 124 -62
Total 499,000 (5) $11,066 3%

(1) Estimates based on data reported by fire departments responding to the 2018 National Fire Experience Survey. May exclude reports from all fire departments.
(2) Includes overall direct property loss to contents, structures, vehicles, machinery, vegetation or any other property involved in a fire. Excludes indirect losses, such as business interruption or temporary shelter costs.
(3) Includes manufactured homes.
(4) Includes hotels and motels, college dormitories, boarding houses, etc.
(5) Less than 0.1 percent.
(6) Excludes incidents handled only by private brigades or fixed suppression systems.

Source: Reproduced with permission from Fire Loss in the United States During 2018 by Ben Evarts, ©2019 National Fire Protection Association www.nfpa.org.

Intentionally Set Fires, 2009-2018

  Structures Vehicles (2)
Year Number of fires Property loss
($ millions) (1)		 Number of fires Property loss
($ millions)
2009 26,500 $684 15,000 $108
2010 27,500 585 14,000 89
2011 26,500 601 14,000 88
2012 26,000 581 12,500 480 (3)
2013 22,500 577 10,500 86
2014 19,000 613 8,000 116
2015 23,000 460 10,000 74
2016 20,000 473 9,500 40
2017 22,500 582 8,500 75
2018 25,500 593 9,500 65

(1) Includes overall direct property loss to contents, structures, vehicles, machinery, vegetation or any other property involved in a fire. Excludes indirect losses, such as business interruption or temporary shelter costs.
(2) Includes highway vehicles, trains, boats, ships, aircraft and farm and construction vehicles.
(3) Includes $400 million in property loss from an intentionally set fire aboard the submarine USS Miami.

Source: Reproduced with permission from Fire Loss in the United States During 2018 by Ben Evarts, ©2019 National Fire Protection Association; earlier data from prior reports. www.nfpa.org.

Top Catastrophic Multiple-Death Fires and Explosions, 2022 (1)

Rank (2) Month State Type of facility Deaths
1 January New York 120-unit apartment building 17
2 January Pennsylvania 2-unit rowhouse 12
3 August Pennsylvania Single-family home 10
4 July Arkansas Single-family home 6
4 December New York Single-family home 6
4 December Ohio Single-family home 6
4 December Tennessee Single-family home 6
5 February Pennsylvania Single-family home 5
5 February Texas Single-family home 5
5 March Illinois Single-family farmhouse 5
5 April Pennsylvania Single-family home 5
5 May Pennsylvania Single-family home 5
5 June Michigan Single-family home 5
5 September Pennsylvania Single-family farmhouse 5
6 July California Wildland 4
6 July New Mexico Wildland 4
6 December Florida Warehouse 4

(1) Fires or explosions that kill five or more people in residential property, or three or more people in nonhome or nonstructural property.
(2) Fires with the same number of deaths receive the same rank.

Source: National Fire Protection Association. www.nfpa.org.

Civilian (Nonfirefighter) Fire Deaths And Injuries By Property Use, 2018

Property use Civilian fire
deaths		 Percent change
from 2017		 Percent of all
civilian fire deaths		 Civilian fire
injuries
Residential 2,820 4% 77% 11,600
     Single- and 2-family homes (1) 2,360 3 67 7,800
     Apartments 360 6 10 3,400
     Other residential (2) 100 25 3 400
Nonresidential structures (3) 90 -14 2 1,100
Highway vehicles 490 23 13 1,300
Other vehicles (4) 70 133 2 200
All other fires (5) 100 -31 3 1,000
Camp Fire (wildland fire) 85 NA 2 NA
Total 3,655 8% 100% 15,200

(1) Includes manufactured homes.
(2) Includes hotels and motels, college dormitories, boarding houses, etc.
(3) Includes public assembly, educational, institutional, store and office, industry, utility, storage and special structure properties.
(4) Includes trains, boats, ships, farm vehicles and construction vehicles.
(5) Includes outside properties with value, as well as brush, rubbish and other outside locations.

NA=Data not available.

Source: Reproduced with permission from Fire Loss in the United States During 2018 by Ben Evarts, ©2019 National Fire Protection Association www.nfpa.org.

Structure Fires, 2015-2024 (1)

    Direct property damage (2) ($ billions)   Direct property damage (2) ($ billions)
Year Number of fires As reported In 2025 dollars (3) Year Number of fires As reported In 2025 dollars (3)
2015 501,500 $10.3 $13.9 2020 490,500 $12.1 $15.1
2016 475,500 7.8 10.5 2021 486,500 12.7 15.0
2017 499,000 10.7 14.1 2022 522,500 15.0 16.4
2018 499,000 11.1 14.2 2023 470,000 14.7 15.5
2019 481,500 12.3 15.5 2024 470,500 15.3 15.7

(1) Estimates based on data reported by fire departments responding to the 2024 National Fire Experience Survey. May exclude reports from some fire departments.
(2) Does not include damage from major wildfires.
(3) Calculated from unrounded numbers by the Insurance Information Institute using the U.S. Bureau of Labor Statistics’ Inflation Calculator.

Source: Reproduced with permission from Fire Loss in the United States During 2024 by Shelby Hall, ©2025 National Fire Protection Association www.nfpa.org.

Insurance Contribution to Gross Domestic Product (GDP), 2020-2024

($ billions)
    Insurance carriers and
related activities
Year Total GDP GDP Percent of
total GDP
2020 21,375.3 634.6 3.0%
2021 23,725.6 637.5 2.7
2022 26,054.6 708.6 2.7
2023 27,811.5 749.6 2.7
2024 29,298.0 791.8 2.7

Note: Gross domestic product (GDP) is the total value of all final goods and services produced in the economy. The GDP growth rate is the primary indicator of the state of the economy.

Source: U.S. Department of Commerce, Bureau of Economic Analysis.

National Flood Insurance Program, 1980-2018 (1)

    Losses paid  
Year Policies in force
at year-end		 Number Amount
($000)		 Average paid
flood claim
1980 2,103,851 41,918 $230,414 $5,497
1985 2,016,785 38,676 368,239 9,521
1990 2,477,861 14,766 167,897 11,371
1995 3,476,829 62,441 1,295,578 20,749
2000 4,369,087 16,362 251,721 15,384
2005 4,962,011 213,593 17,770,443 83,198
2009 5,700,235 31,034 779,974 25,133
2010 5,645,436 29,164 773,706 26,529
2011 5,646,144 78,236 2,429,440 31,053
2012 5,620,017 151,849 9,516,995 62,674
2013 5,568,642 18,118 492,542 27,185
2014 5,406,725 12,907 380,222 29,459
2015 5,205,094 25,798 1,028,338 39,861
2016 5,081,470 59,332 3,693,244 62,247
2017 5,133,785 95,235 8,736,386 91,735
2018 5,178,978 31,801 1,354,075 42,580

(1) Data in this chart may not match similar data shown elsewhere from the same source due to the use of different exhibits.

Source: U.S. Department of Homeland Security, Federal Emergency Management Agency.

National Flood Insurance Program Policies By State, 2021 (1)

  Direct NFIP business WYO business Total NFIP/WYO (2)
State Number of
policies		 Insurance
in force (3)
($ millions)		 Number of
policies		 Insurance
in force (3)
($ millions)		 Number of
policies		 Insurance
in force (3)
($ millions)
Alabama 8,991 $2,075.0 42,916 $10,884.5 51,907 $12,959.5
Alaska 610 155.5 1,588 469.4 2,198 624.9
Arizona 4,650 1,184.6 22,262 6,011.0 26,912 7,195.6
Arkansas 2,704 473.0 10,819 2,279.3 13,523 2,752.3
California 32,034 9,338.1 172,749 51,796.1 204,783 61,134.2
Colorado 3,191 848.3 15,525 4,330.6 18,716 5,178.8
Connecticut 1,951 474.0 30,460 8,149.6 32,411 8,623.6
Delaware 4,148 1,171.6 22,166 6,073.1 26,314 7,244.7
D.C. 138 34.1 1,911 474.5 2,049 508.7
Florida 112,822 31,395.2 1,598,878 408,009.2 1,711,700 439,404.4
Georgia 13,456 3,669.0 66,485 18,693.8 79,941 22,362.8
Hawaii 2,553 643.6 56,945 13,575.4 59,498 14,219.1
Idaho 891 240.9 4,788 1,315.9 5,679 1,556.8
Illinois 9,102 1,661.3 26,202 5,610.9 35,304 7,272.2
Indiana 3,882 686.4 14,518 3,217.2 18,400 3,903.6
Iowa 2,264 396.6 9,353 2,260.4 11,617 2,657.0
Kansas 1,673 311.1 6,593 1,451.6 8,266 1,762.7
Kentucky 3,127 486.5 15,888 2,963.2 19,015 3,449.7
Louisiana 111,320 30,306.3 395,858 110,536.5 507,178 140,842.8
Maine 496 112.8 6,992 1,791.9 7,488 1,904.7
Maryland 5,571 1,459.2 58,550 14,486.1 64,121 15,945.3
Massachusetts 3,362 799.2 52,483 14,202.8 55,845 15,002.0
Michigan 3,372 560.7 16,411 3,496.1 19,783 4,056.8
Minnesota 1,421 349.2 6,883 1,759.4 8,304 2,108.6
Mississippi 12,184 3,050.2 48,639 12,673.2 60,823 15,723.4
Missouri 3,467 632.9 14,906 3,380.4 18,373 4,013.3
Montana 669 147.4 3,446 774.1 4,115 921.5
Nebraska 1,999 340.6 6,475 1,482.1 8,474 1,822.7
Nevada 1,720 437.2 8,484 2,286.3 10,204 2,723.5
New Hampshire 554 130.3 6,865 1,654.8 7,419 1,785.1
New Jersey 14,199 3,290.6 196,638 51,250.3 210,837 54,540.8
New Mexico 1,719 349.2 9,165 2,056.5 10,884 2,405.7
New York 15,455 4,002.8 150,131 42,491.8 165,586 46,494.6
North Carolina 16,061 4,238.1 123,186 33,220.2 139,247 37,458.3
North Dakota 1,410 403.2 6,961 2,003.1 8,371 2,406.2
Ohio 4,894 791.8 21,966 4,620.1 26,860 5,411.8
Oklahoma 2,852 601.5 8,811 2,138.6 11,663 2,740.2
Oregon 4,901 1,289.0 19,585 5,297.0 24,486 6,585.9
Pennsylvania 7,158 1,277.4 42,310 9,907.5 49,468 11,184.8
Rhode Island 387 102.2 10,919 3,016.9 11,306 3,119.1
South Carolina 23,632 6,912.3 183,570 49,921.3 207,202 56,833.6
South Dakota 513 109.5 2,536 612.6 3,049 722.1
Tennessee 4,554 1,178.8 22,335 5,913.8 26,889 7,092.6
Texas 120,396 35,599.9 665,041 196,315.8 785,437 231,915.7
Utah 563 139.7 3,111 857.8 3,674 997.5
Vermont 257 52.9 2,962 709.6 3,219 762.5
Virginia 15,876 4,230.1 85,598 23,533.7 101,474 27,763.8
Washington 4,594 1,168.6 27,390 7,658.4 31,984 8,826.9
West Virginia 3,219 440.7 9,331 1,665.0 12,550 2,105.7
Wisconsin 1,570 300.0 10,322 2,278.0 11,892 2,578.0
Wyoming 276 72.7 1,342 368.3 1,618 441.0
Guam 0 0.0 18 0.4 18 0.4
American Samoa 100 20.1 63 13.8 163 33.9
N. Mariana Islands 2 0.1 6 0.3 8 0.4
Puerto Rico 212 25.4 4,478 842.2 4,690 867.6
Virgin Islands 245 52.0 1,158 243.6 1,403 295.6
Unknown 10 2.6 90 29.4 100 32.0
United States  599,377 $160,221.8 4,355,061 $1,163,055.2 4,954,438 $1,323,277.0

(1) As of August 1, 2021.
(2) Direct and Write-Your-Own (WYO) business may not add to total due to rounding.
(3) Total limits of liability for all policies in force.

Note: Per FEMA request, this data is for internal use only. Please do not reproduce for external use.

Source: U.S. Department of Homeland Security, Federal Emergency Management Agency, Federal Insurance & Mitigation Administration.

Top 10 Costliest Large-Loss Fires, 2024 (1)

($ millions)
Rank State Month Type of facility Estimated loss
1 California July Wildfire/urban interface $500.0 
2 Minnesota November Manufacturing plant 85.0 
3 Florida January Mixed-use building under construction 60.0 
4 Kansas March Meat packing plant 55.0 
5 California July Wildfire/urban interface 33.3 
6 Kansas October Public storage building 30.3 
7 Ohio March Cargo ship 30.0 
8 California November Warehouse 26.0 
9 California March Vacant packing plant 22.0 
10 California September Apartment building under construction 21.0 

(1) Large-loss fires of $20 million or more in 2024.

Note: Loss data shown here may differ from figures shown elsewhere for the same event due to differences in the date of publication, the geographical area covered and other criteria used by organizations collecting the data.

Source: Reproduced with permission from Large-Loss Fires and Explosions in the United States in 2024 by Stephen G. Badger, ©2025 National Fire Protection Association www.nfpa.org.

Number And Rate Of Property Crime Offenses In The United States, 2011-2020 (1)

  Burglary Larceny-theft
Year Number Rate Number Rate
2011 2,185,140 701.3 6,151,095 1,974.1
2012 2,109,932 672.2 6,168,874 1,965.4
2013 1,932,139 610.5 6,019,465 1,901.9
2014 1,713,153 537.2 5,809,054 1,821.5
2015 1,587,564 494.7 5,723,488 1,783.6
2016 1,516,405 468.9 5,644,835 1,745.4
2017 1,397,045 429.7 5,513,000 1,695.5
2018 1,235,013 378.0 5,232,167 1,601.6
2019 1,118,096 340.5 5,152,267 1,569.2
2020 1,035,314 314.2 4,606,324 1,398.0
  Motor vehicle theft Total property crime (2)
Year Number Rate Number Rate
2011 716,508 230.0 9,052,743 2,905.4
2012 723,186 230.4 9,001,992 2,868.0
2013 700,288 221.3 8,651,892 2,733.6
2014 686,803 215.4 8,209,010 2,574.1
2015 713,063 222.2 8,024,115 2,500.5
2016 767,290 237.3 7,928,530 2,451.6
2017 772,943 237.7 7,682,988 2,362.9
2018 751,904 230.2 7,219,084 2,209.8
2019 724,872 220.8 6,995,235 2,130.6
2020 810,400 246.0 6,452,038 1,958.2

(1) Rate is per 100,000 inhabitants.
(2) Property crimes are the offenses of burglary, larceny-theft and motor vehicle theft.

Source: U.S. Department of Justice, Federal Bureau of Investigation, Uniform Crime Reports.

Motorcyclists Killed, By Time Of Day And Day Of Week, 2023

  Day of week
  Weekday Weekend Total (1)
Motorcyclists killed Number Percent Number Percent Number Percent
Midnight to 3 am 184 5.5% 305 10.3% 489 7.7%
3 am to 6 am 124 3.7 132 4.5 256 4.0
6 am to 9 am 267 7.9 80 2.7 347 5.5
9 am to Noon 285 8.5 213 7.2 498 7.9
Noon to 3 pm 510 15.1 435 14.7 945 14.9
3 pm to 6 pm 827 24.5 500 16.9 1,327 20.9
6 pm to 9 pm 695 20.6 749 25.3 1,444 22.8
9 pm to Midnight 466 13.8 529 17.9 995 15.7
Unknown 13 0.4 15 0.5 34 0.5
Total (2) 3,371 100.0% 2,958 100.0% 6,335 100.0%

(1) Includes motorcyclists killed on unknown day of week.  
(2) Beginning in 2022, operators and passengers of motorized bicycles are captured as pedalcyclists when involved in a motor vehicle traffic crash.

Source: U.S. Department of Transportation, National Highway Safety Administration.

Private Passenger Auto Insurance Losses, 2015-2024 (1)

  Liability
  Bodily injury (2) Property damage (3)
Year Claim frequency (4) Claim severity (5), (6) Claim frequency (4) Claim severity (5), (6)
2015 0.89 $17,014 3.45 $3,628
2016 1.04 16,082 3.41 3,969
2017 1.06 16,234 3.16 3,797
2018 0.94 18,213 3.09 4,174
2019 0.93 19,151 3.14 4,326
2020 0.78 20,769 2.39 4,703
2021 0.68 23,592 2.28 5,036
2022 0.70 24,681 2.54 6,024
2023 0.78 26,178 2.59 6,554
2024 0.80 28,278 2.50 6,770
  Physical damage (7)
  Collision Comprehensive (8)
Year Claim frequency (4) Claim severity (5) Claim frequency (4), (9) Claim severity (5), (9)
2015 6.01 $3,377 2.62 $1,679
2016 5.51 3,454 2.30 1,951
2017 5.98 3,517 2.86 1,811
2018 4.92 3,665 2.70 1,806
2019 5.00 3,828 2.99 1,796
2020 3.93 3,854 2.91 1,918
2021 4.31 4,583 3.35 1,947
2022 4.48 5,377 3.78 2,175
2023 4.48 5,521 4.08 2,305
2024 4.16 5,489 3.95 2,306

 

(1) For all limits combined. Data are for paid claims.
(2) Excludes Massachusetts and most states with no-fault automobile insurance laws.
(3) Excludes Massachusetts, Michigan and New Jersey.
(4) Claim frequency is claims per 100 earned car years. A car year is equal to 365 days of insured coverage for one vehicle.
(5) Claim severity is the size of the loss.
(6) Includes loss adjustment expenses.
(7) Excludes Massachusetts, Michigan and Puerto Rico. Based on coverage with a $500 deductible.
(8) Excludes wind and water losses.
(9) Includes glass losses.

 

Source: ISO®, a Verisk Analytics® business.

 

</tbody

Top 10 Costliest Large-Loss Fires In U.S. History

($ millions)
      Estimated loss (1)
Rank Date Location/event Dollars when occurred In 2024 dollars (2)
1 Sep. 11, 2001 World Trade Center (terrorist attacks) $33,400 $57,800 (3)
2 Oct. 8, 2017 Northern CA Wildland Urban Interface fire 10,000 12,500
3 Apr. 18, 1906 San Francisco Earthquake and Fire 350 12,200
4 Nov. 8, 2018 Camp Wildland Urban Interface fire 8,500 10,400
5 Aug. 2021 “Siege” wildfire, Northern California (4) 4,200 4,700
6 Oct. 8-9, 1871 Great Chicago Fire 168 4,300
7 Nov. 8, 2018 Woolsey Wildland Urban Interface fire 2,900 3,500
8 Jul. 2021 Navy ship under repair, San Diego California 3,000 3,400
9 Oct. 20, 1991 Oakland, CA, firestorm 1,500 3,400
10 Oct. 20, 2007 San Diego County, CA, The Southern California Firestorm 1,800 2,700

(1) Loss estimates are from National Fire Protection Association (NFPA) records. The list is limited to fires for which some reliable dollar loss estimates exists.
(2) Adjustment to 2024 dollars made on the National Fire Protection Association data using the Consumer Price Index.
(3) Differs from inflation-adjusted estimates made by other organizations due to the use of different collection criteria and deflators.
(4) Includes multiple fires.

Source: National Fire Protection Association. www.nfpa.org.

Percent Of Mortgaged Owners Occupied Units Spending 30 Percent Or More Of Their Income On Monthly Owner Costs, 2024

State Percent Rank (1) State Percent Rank (1)
Alabama 25.4% 36 Montana 32.0% 8
Alaska 26.8 29 Nebraska 24.4 39
Arizona 29.9 16 Nevada 32.9 6
Arkansas 22.9 46 New Hampshire 27.9 23
California 39.2 2 New Jersey 31.9 9
Colorado 31.8 10 New Mexico 27.8 24
Connecticut 30.2 15 New York 33.4 5
Delaware 27.2 26 North Carolina 26.3 31
D.C. 25.6 34 North Dakota 20.2 51
Florida 38.1 3 Ohio 22.5 48
Georgia 28.6 19 Oklahoma 25.5 35
Hawaii 39.5 1 Oregon 31.3 11
Idaho 28.0 22 Pennsylvania 24.0 40
Illinois 27.2 26 Puerto Rico 32.1 7
Indiana 22.0 49 Rhode Island 33.8 4
Iowa 21.1 50 South Carolina 27.2 26
Kansas 23.1 44 South Dakota 23.9 41
Kentucky 22.8 47 Tennessee 25.3 37
Louisiana 29.7 18 Texas 30.7 12
Maine 26.6 30 Utah 27.5 25
Maryland 28.1 21 Vermont 28.5 20
Massachusetts 30.6 14 Virginia 26.2 32
Michigan 23.9 41 Washington 30.7 12
Minnesota 24.6 38 West Virginia 19.4 52
Mississippi 26.0 33 Wisconsin 23.0 45
Missouri 23.4 43 Wyoming 29.9 16
      United States 29.3%  

(1) Percent of mortgaged owner-occupied housing units spending 30 percent or more of household income on selected owner costs such as all mortgage payments (first mortgage, home equity loans, etc.), real estate taxes, property insurance, utilities, fuel and condominium fees if applicable.
(2) States with the same percentages receive the same rank.

Source: U.S. Department of Commerce, Census Bureau; American Community Survey.

Percent Of Renter Occupied Units Spending 30 Percent Or More Of Their Income On Rent And Utilities, 2024

State Percent (1) Rank (2) State Percent (1) Rank (2)
Alabama 41.6% 40 Montana 38.6% 47
Alaska 37.4 50 Nebraska 43.5 36
Arizona 49.0 11 Nevada 54.9 2
Arkansas 40.1 43 New Hampshire 46.2 23
California 53.0 3 New Jersey 49.7 7
Colorado 50.0 6 New Mexico 44.1 35
Connecticut 51.1 4 New York 48.5 13
Delaware 47.1 20 North Carolina 47.6 17
District of Columbia 45.5 28 North Dakota 33.8 51
Florida 58.1 1 Ohio 44.2 34
Georgia 48.8 12 Oklahoma 41.4 41
Hawaii 50.6 5 Oregon 49.2 10
Idaho 45.0 31 Pennsylvania 45.8 26
Illinois 45.4 30 Puerto Rico 27.2 52
Indiana 44.9 32 Rhode Island 48.4 14
Iowa 39.8 45 South Carolina 46.9 21
Kansas 40.0 44 South Dakota 38.1 49
Kentucky 40.2 42 Tennessee 45.9 25
Louisiana 47.2 18 Texas 49.3 9
Maine 46.4 22 Utah 45.7 27
Maryland 48.4 14 Vermont 45.5 28
Massachusetts 49.4 8 Virginia 46.1 24
Michigan 47.2 18 Washington 48.3 16
Minnesota 44.9 32 West Virginia 39.1 46
Mississippi 43.0 37 Wisconsin 42.5 38
Missouri 41.8 39 Wyoming 38.6 47
      United States 48.2%  

(1) Percent of renter-occupied units spending 30 percent or more on rent and utilities such as electric, gas, water and sewer, and fuel (oil, coal, etc.) if paid by the renter.
(2) States with the same percentages receive the same rank.

Source: U.S. Department of Commerce, Census Bureau; American Community Survey.

Percent Of Occupied Housing Units That Are Owner Occupied, 2024

State Percent Rank (1) State Percent Rank (1)
Alabama 71.0% 13 Montana 68.6% 19
Alaska 66.5 37 Nebraska 66.7 35
Arizona 67.8 28 Nevada 60.1 49
Arkansas 67.1 31 New Hampshire 72.6 6
California 55.8 50 New Jersey 63.9 41
Colorado 65.9 39 New Mexico 71.1 12
Connecticut 66.7 35 New York 54.3 51
Delaware 73.8 2 North Carolina 66.8 33
D.C. 40.9 52 North Dakota 61.2 48
Florida 68.0 25 Ohio 68.0 25
Georgia 66.3 38 Oklahoma 65.7 40
Hawaii 61.6 47 Oregon 63.1 43
Idaho 71.7 8 Pennsylvania 69.3 17
Illinois 67.6 30 Puerto Rico 69.3 17
Indiana 70.7 14 Rhode Island 63.5 42
Iowa 71.3 11 South Carolina 72.3 7
Kansas 68.1 22 South Dakota 68.3 21
Kentucky 68.1 22 Tennessee 66.8 33
Louisiana 68.1 22 Texas 62.3 46
Maine 73.3 4 Utah 69.6 16
Maryland 67.8 28 Vermont 73.2 5
Massachusetts 62.4 45 Virginia 67.1 31
Michigan 73.5 3 Washington 62.9 44
Minnesota 71.6 10 West Virginia 75.5 1
Mississippi 70.5 15 Wisconsin 68.0 25
Missouri 68.6 19 Wyoming 71.7 8
      United States 65.3%  

(1) States with the same percentages receive the same rank.

Source: U.S. Department of Commerce, Census Bureau; American Community Survey.

Estimated Number and Cost of Dog Bite Claims, 2016-2025 (1)

Year Value of claims ($ millions) Number of claims Average cost per claim
2016 $602.2 18,123 $33,230
2017 686.3 18,522 37,051
2018 674.9 17,297 39,017
2019 796.8 17,802 44,760
2020 853.7 17,597 50,245
2021 881.9 17,989 49,025
2022 1,136.0 17,597 64,555
2023 1,116.0 19,062 58,545
2024 1,569.6 22,658 69,272
2025 1,862.1 28,450 65,450
Percent change, 2024-2025 18.6% 25.6% -5.5%
Percent change, 2016-2025 209.2% 57.0% 97.0%

(1) Includes other dog-related injuries that have impacted claims such as fractures or other blunt force trauma injuries.
(2) Calculated from unrounded data.

Source: Insurance Information Institute, State Farm®.

CREDIT DEFAULT SWAPS MARKET, 2004-2013 (1)

($ billions, end of year)
Year Amount outstanding (2) Percent change
2004 $6,395.7 NA
2005 13,908.3 117.5%
2006 28,650.3 106.0
2007 58,243.7 103.3
2008 41,882.7 -28.1
2009 32,692.7 -21.9
2010 29,897.6 -8.5
2011 (3) 28,626.2 -4.3
2012 25,068.5 -12.4
2013 21,019.8 -16.2

(1) Based on over-the-counter derivatives data from the G10 countries (11 countries).
(2) Notional principal value outstanding. Notional value is the underlying (face) value.
(3) Beginning in December, 2011, the BIS added Spain and Australia to the survey, bringing the number of countries to 13.

NA=Data not available.

Source: Bank for International Settlements (BIS).

Total Traffic and Alcohol-Impaired Crash Fatalities, 1985-2023

    Alcohol-impaired crash fatalities (1)
Year Total traffic
fatalities		 Number As a percent of
all crash deaths
1985 43,825 18,125 41%
1990 44,599 17,705 40
1995 41,817 13,478 32
2000 41,945 13,324 32
2005 43,510 13,582 31
2010 32,999 10,136 31
2011 32,479 9,865 30
2012 33,782 10,336 31
2013 32,894 10,084 31
2014 32,744 9,943 30
2015 35,485 10,280 29
2016 37,806 10,967 29
2017 37,473 10,880 29
2018 36,835 10,710 29
2019 36,355 10,196 28
2020 39,007 11,727 30
2021 42,939 13,617 32
2022 42,514 13,524 32
2023 40,901 12,429 30

(1) Alcohol-impaired driving crashes are crashes that involve at least one driver or a motorcycle operator with a blood alcohol concentration (BAC) of 0.08 grams per deciliter or above, the legal definition of alcohol-impaired driving in most states.

Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.

Driving Behaviors Reported For Drivers And Motorcycle Operators Involved In Fatal Crashes, 2023

Behavior Number (1) Percent
Driving too fast for conditions or in excess of posted limit or racing 10,739 18.5%
Under the influence of alcohol, drugs, or medication 5,842 10.1
Operating vehicle in a careless manner 4,779 8.2
Failure to yield right of way 4,584 7.9
Failure to keep in proper lane 3,230 5.6
Distracted (phone, talking, eating, object, etc.) 3,143 5.4
Operating vehicle in erratic, reckless or negligent manner 2,522 4.4
Failure to obey traffic signs, signals, or officer 2,171 3.7
Overcorrecting/oversteering 1,587 2.7
Vision obscured (rain, snow, glare, lights, building, trees, etc.) 1,584 2.7
Drowsy, asleep, fatigued, ill, or blacked out  1,188 2.1
Swerving or avoiding due to wind, slippery surface, etc. 1,100 1.9
Driving wrong way on one-way traffic or wrong side of road 1,042 1.8
Making improper turn 448 0.8
Other factors 5,928 10.2
None reported 8,029 13.9
Unknown 20,185 34.8
Total drivers (2) 57,939 100.0%

(1) Number of drivers and motorcycle operators.
(2) The sum of the numbers and percentages is greater than total drivers as more than one factor may be present for the same driver. Beginning in 2022, operators and passengers of motorized bicycles are captured as pedal cyclists when involved in a motor vehicle traffic crash.

Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.

Persons Killed In Total And Alcohol-Impaired Crashes By Person Type, 2023

    Alcohol-impaired crash fatalities (1)
Person type Total killed Number Percent of
total killed
Vehicle occupants      
     Driver 19,553 7,017 36%
     Passenger 6,164 2,030 33
     Unknown occupant 29 0 1
     Total 25,746 9,047 35%
Motorcyclists (2) 6,335 1,999 32%
Nonoccupants      
     Pedestrian 7,314 1,157 16
     Pedalcyclist 1,166 163 14
     Other/unknown 340 63 19
     Total 8,820 1,384 16%
Total 40,901 12,429 30%

(1) Alcohol-impaired driving crashes are crashes that involve at least one driver or a motorcycle operator with a blood alcohol concentration (BAC) of 0.08 grams per deciliter or greater, the legal definition of alcohol-impaired driving.
(2) Beginning in 2022, operators and passengers of motorized bicycles are captured as pedalcyclists when involved in a motor vehicle traffic crash.

Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.

Alcohol-Impaired Crash Fatalities, 2008-2017 (1)

Year Number As a percent of
all crash deaths
2008 11,711 31%
2009 10,759 32
2010 10,136 31
2011 9,865 30
2012 10,336 31
2013 10,110 31
2014 9,943 30
2015 10,320 30
2016 10,996 29
2017 10,874 29

(1) Alcohol-impaired driving crashes are crashes that involve at least one driver or a motorcycle operator with a blood alcohol concentration (BAC) of 0.08 grams per deciliter or above, the legal definition of alcohol-impaired driving.

Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.

Motor Vehicle Traffic Deaths By State, 2022-2023

  Number of deaths   Number of deaths
State 2022 2023 Percent
change		 State 2022 2023 Percent
change
Alabama 988 974 -1% Montana 215 208 -3%
Alaska 82 60 -27 Nebraska 244 227 -7
Arizona 1,320 1,304 -1 Nevada 417 389 -7
Arkansas 637 596 -6 New Hampshire 146 130 -11
California 4,539 4,061 -11 New Jersey 689 606 -12
Colorado 764 720 -6 New Mexico 466 437 -6
Connecticut 366 308 -16 New York 1,182 1,114 -6
Delaware 162 135 -17 North Carolina 1,631 1,561 -4
D.C. 32 44 38 North Dakota 98 106 8
Florida 3,548 3,396 -4 Ohio 1,274 1,242 -3
Georgia 1,796 1,615 -10 Oklahoma 710 718 1
Hawaii 116 93 -20 Oregon 602 587 -2
Idaho 215 275 28 Pennsylvania 1,179 1,211 3
Illinois 1,268 1,241 -2 Rhode Island 52 71 37
Indiana 976 898 -8 South Carolina 1,094 1,047 -4
Iowa 336 377 12 South Dakota 137 140 2
Kansas 410 387 -6 Tennessee 1,313 1,323 1
Kentucky 744 814 9 Texas 4,408 4,291 -3
Louisiana 906 811 -10 Utah 319 280 -12
Maine 182 135 -26 Vermont 76 69 -9
Maryland 566 621 10 Virginia 1,006 913 -9
Massachusetts 435 343 -21 Washington 743 810 9
Michigan 1,124 1,094 -3 West Virginia 266 260 -2
Minnesota 444 409 -8 Wisconsin 604 583 -3
Mississippi 703 732 4 Wyoming 134 144 7
Missouri 1,057 991 -6 United States 42,721 40,901 -4%

Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.

Motor Vehicle Crashes By Type, 2014-2023

Year Fatal Injury Property damage only Total crashes
2014 30,056 1,648,000 4,387,000 6,064,000
2015 32,539 1,715,000 4,548,000 6,296,000
2016 34,748 2,116,000 4,670,000 6,821,000
2017 34,560 1,889,000 4,530,000 6,453,000
2018 33,919 1,894,000 4,807,000 6,735,000
2019 33,244 1,916,000 4,806,000 6,756,000
2020 35,935 1,593,390 3,621,681 5,251,006
2021 39,508 1,727,608 4,335,820 6,102,936
2022 39,221 1,664,598 4,226,677 5,930,496
2023 37,654 1,697,252 4,403,453 6,138,359

Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.

Top Five Global Reinsurance Brokers By Reinsurance Brokerage and Related Services Revenues, 2024 (1))

(US$ millions)
Rank Company Gross reinsurance revenues Country
1 Aon’s Reinsurance Solutions $2,656.0 United Kingdom
2 Guy Carpenter & Co. LLC  2,362.0 United States
3 Gallagher Re  1,094.0 United States
4 Howden Tiger 600.0 United Kingdom/United States
5 Lockton Reinsurance 365.0 United States

(1) Includes all reinsurance revenue reported through holding and/or subsidiary companies.

Source: Business Insurance (www.businessinsurance.com), October 2025.

Defense Costs and Cost Containment Expenses as a Percent of Incurred Losses, 2022-2024 (1)

($000)
  2022 2023 2024
  Amount As a
percent of
incurred losses		 Amount As a
percent of
incurred losses		 Amount As a
percent of
incurred losses
Product liability $751,333 46.2% $869,370 40.8% $768,925 33.6%
Medical professional liability 1,943,401 35.3 2,214,830 35.8 1,833,495 28.8
Commercial multiple peril (2) 2,248,506 22.2 2,724,149 25.5 2,863,349 23.8
Other liability 7,093,556 13.7 8,333,875 14.8 9,111,070 14.1
Workers compensation 2,975,641 13.9 3,086,005 14.3 3,337,727 16.1
Commercial auto liability 2,462,641 9.4 2,955,885 9.8 3,474,871 10.4
Private passenger auto liability 5,947,243 5.0 6,270,745 5.0 7,024,488 5.3
All liability lines $23,422,321 10.0% $26,454,859 10.5% $28,413,925 10.5%

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

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

Workplace Deaths By Selected Cause, 2022-2023 (1)

  2022 2023
Cause Number Number Percent of total
All transportation (includes vehicle crashes)   2,066 1,942 36.8%
     Vehicle crashes (2) 1,369 1,252 23.7
Falls   865 885 16.8
Contact with objects and equipment   738 779 14.7
Exposure to harmful substances or environments   839 820 15.5
Intentional injury by person (includes homicides)   791 740 14.0
     Homicides   524 458 8.7
Fires and explosions   707 104 2.0
Total workplace fatalities   5,486 5,283 100.0%

(1) From intentional and unintentional sources. Data in this chart do not add to total workplace fatalities due to the inclusion of miscellaneous injuries in the total.
(2) Roadway incidents involving motorized land vehicles.

Source: U.S. Department of Labor, Bureau of Labor Statistics, Census of Fatal Occupational Injuries.

Net Premiums Written, Property/Casualty And Life/Annuity Insurance, 2015-2024

($000)
Year Property/casualty (1) Life/annuity (2) Total
2015 $520,047,073 $630,367,835 $1,150,414,908
2016 533,744,458 591,388,173 1,125,132,631
2017 558,157,401 592,276,028 1,150,433,429
2018 617,945,037 599,149,141 1,217,094,178
2019 639,336,652 684,834,322 1,324,170,974
2020 655,294,307 629,241,674 1,284,535,981
2021 715,937,546 641,025,386 1,356,962,932
2022 776,693,264 708,463,446 1,485,156,710
2023 857,373,574 683,426,912 1,540,800,486
2024 932,483,496 822,645,527 1,755,129,023
Percent change      
2015 to 2024 79.3% 30.5% 52.6%
2023 to 2024 8.8 20.4 13.9

(1) Net premiums written before reinsurance transactions, excludes state funds, includes accident and health insurance.
(2) Includes premiums, annuity considerations (fees for annuity contracts), deposit-type funds and accident and health insurance.

Source: NAIC data, sourced from S&P Global Market Intelligence: Insurance Expense Exhibits, Summary of Operations; Insurance Information Institute.

Multiple Peril Crop Insurance, 2015-2024

($000)
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2015 $3,680,768 -12.1% 99.9 -5.1 pts.
2016 3,321,280 -9.8 81.7 -18.2
2017 4,742,675 42.8 84.1 2.4
2018 5,380,247 13.4 85.0 1.0
2019 6,471,466 20.3 108.6 23.6
2020 6,128,131 -5.3 100.4 -8.2
2021 7,453,144 21.6 94.9 -5.6
2022 10,261,858 37.7 103.8 8.9
2023 10,329,976 0.7 107.3 3.5
2024 8,850,296 -14.3 92.1 -15.2

(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 numbers.

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

Boiler And Machinery Insurance, 2015-2024

($000)
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2015 $1,680,508 -15.9% 69.9 -6.1 pts.
2016 1,891,341 12.5 78.8 8.9
2017 2,042,706 8.0 76.5 -2.3
2018 2,599,610 27.3 86.3 9.9
2019 2,550,200 -1.9 72.8 -13.6
2020 2,827,603 10.9 85.4 12.6
2021 3,369,342 19.2 71.5 -13.9
2022 3,641,220 8.1 64.6 -6.8
2023 4,276,518 17.4 66.1 1.5
2024 4,556,698 6.6 62.7 -3.5

(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 numbers.

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

Burglary And Theft Insurance, 2015-2024

($000)
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2015 $230,772 2.0% 61.4 1.5 pts.
2016 255,453 10.7 46.2 -15.2
2017 220,957 -13.5 49.1 3.0
2018 277,041 25.4 78.0 28.9
2019 332,346 20.0 74.2 -3.8
2020 350,909 5.6 118.1 43.8
2021 427,537 21.8 86.6 -31.5
2022 553,100 29.4 76.0 -10.6
2023 531,747 -3.9 68.0 -8.0
2024 551,040 3.6 67.6 -0.4

(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.

Financial Guaranty Insurance, 2015-2024

($000)
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2015 $418,820 -14.3% 99.2 7.9 pts.
2016 364,532 -13.0 177.2 78.0
2017 420,843 15.4 320.1 142.9
2018 364,313 -13.4 130.5 -189.7
2019 391,160 7.4 181.7 51.3
2020 448,455 14.6 246.3 64.5
2021 372,541 -16.9 46.8 -199.5
2022 332,216 -10.8 105.4 58.6
2023 291,859 -12.1 275.9 170.5
2024 321,764 10.2 210.3 -65.6

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

Fidelity Bonds, 2015-2024

($000)
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2015 $1,161,406 -0.3% 77.2 -15.5 pts.
2016 1,093,941 -5.8 78.5 1.3
2017 986,382 -9.8 73.9 -4.6
2018 1,215,050 23.2 73.3 -0.6
2019 1,274,461 4.9 78.4 5.1
2020 1,338,685 5.0 77.6 -0.8
2021 1,364,872 2.0 65.8 -11.8
2022 1,373,409 0.6 70.9 5.1
2023 1,368,115 -0.4 74.3 3.3
2024 1,307,590 -4.4 74.4 0.1

(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 data.

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

Surety Bonds, 2015-2024

($000)
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2015 $5,139,999 2.8% 73.8 4.5 pts.
2016 5,138,525 (4) 72.4 -1.4
2017 5,390,869 4.9 72.4 (4)
2018 6,357,877 17.9 70.8 -1.6
2019 6,551,189 3.0 71.0 0.2
2020 6,677,154 1.9 78.1 7.2
2021 7,110,412 6.5 69.6 -8.5
2022 8,237,722 15.9 64.2 -5.4
2023 9,318,436 13.1 70.3 6.1
2024 10,181,186 9.3 71.0 0.8

(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.
(4) Less than 0.1 percent.

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

Ocean Marine Insurance, 2015-2024

($000)
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2015 $2,829,755 -2.8% 94.7 3.4 pts.
2016 2,549,086 -9.9 95.8 1.1
2017 2,370,156 -7.0 110.5 14.7
2018 2,885,108 21.7 100.2 -10.3
2019 3,181,837 10.3 105.3 5.1
2020 3,441,080 8.1 97.6 -7.6
2021 3,900,882 13.4 100.7 3.1
2022 4,129,969 5.9 87.3 -13.4
2023 4,653,760 12.7 81.4 -5.8
2024 4,726,136 1.6 94.1 12.7

(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.

Inland Marine Insurance, 2015-2024

($000)
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2015 $11,398,202 3.9% 83.9 0.4 pts.
2016 11,388,849 -0.1 84.0 0.0
2017 11,960,059 5.0 90.0 6.0
2018 14,575,588 21.9 86.4 -3.6
2019 15,585,196 6.9 86.6 0.2
2020 14,880,594 -4.5 98.0 11.4
2021 17,618,563 18.4 86.9 -11.1
2022 21,241,995 20.6 86.2 -0.7
2023 22,675,238 6.7 82.3 -4.0
2024 20,147,544 -11.1 81.2 -1.1

(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.

Allied Lines Insurance, 2015-2024

($000)
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2015 $9,033,174 -1.9% 88.5 -1.2 pts. 
2016 9,751,789 8.0 98.4 9.9
2017 8,670,149 -11.1 166.1 67.7
2018 10,157,836 17.2 131.7 -34.4
2019 10,962,883 7.9 105.0 -26.7
2020 13,150,666 20.0 112.8 7.8
2021 14,766,856 12.3 105.8 -7.0
2022 15,653,506 6.0 105.9 0.1
2023 19,424,936 24.1 102.5 -3.4
2024 19,996,360 2.9 92.9 -9.6

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

Fire Insurance, 2015-2024

($000)
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2015 $11,256,060 -2.0% 85.2 -0.4 pts.
2016 10,928,996 -2.9 92.4 7.2
2017 10,594,554 -3.1 119.0 26.6
2018 11,619,094 9.7 110.9 -8.1
2019 11,926,099 2.6 95.9 -15.0
2020 13,187,551 10.6 103.8 7.9
2021 15,559,866 18.0 105.9 2.0
2022 16,467,037 5.8 94.0 -11.9
2023 20,955,396 27.3 86.2 -7.8
2024 23,650,777 12.9 77.4 -8.8

(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 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.

Farmowners Multiple Peril Insurance, 2015-2024

($000)
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2015 $3,755,534 3.7% 89.9 -5.5 pts.
2016 3,795,633 1.1 91.1 1.2
2017 3,919,649 3.3 105.7 14.7
2018 4,124,021 5.2 97.0 -8.7
2019 4,320,341 4.8 99.3 2.3
2020 4,436,804 2.7 106.0 6.7
2021 5,343,486 20.4 97.2 -8.9
2022 5,636,129 5.5 108.6 11.4
2023 6,292,504 11.6 111.0 2.4
2024 6,864,149 9.1 100.7 -10.3

(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, 2015-2024

($000)
  Total
Year Net premiums
written (1)		 Annual percent
change		 Year Net premiums
written (1)		 Annual percent
change
2015 $34,659,179 1.2% 2020 $40,915,029 5.6%
2016 34,035,048 -1.8 2021 43,743,627 6.9
2017 34,133,989 0.3 2022 48,416,980 10.7
2018 37,487,056 9.8 2023 54,608,768 13.0
2019 38,874,249 3.7 2024 58,279,674 6.8
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)
2015 $21,401,338 -2.0% 91.9 -5.3 pts. 2020 $25,589,527 9.9% 112.2 9.2 pts.
2016 20,762,324 -3.0 98.3 6.4 2021 27,297,914 6.7 109.2 -3.0
2017 20,619,726 -0.7 111.9 13.7 2022 30,354,005 11.2 103.7 -5.6
2018 22,500,592 9.1 108.4 -3.5 2023 35,298,186 16.3 105.4 1.7
2019 23,281,516 3.5 103 -5.4 2024 38,276,901 8.4 91.6 -13.8
  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)
2015 $13,257,841 6.4% 99.3 -4.2 pts. 2020 $15,325,502 -1.7% 105.8 -2.4 pts.
2016 13,272,724 0.1 105.6 6.4 2021 16,445,713 7.3 101.1 -4.7
2017 13,514,263 1.8 101.7 -4.0 2022 18,062,975 9.8 109.0 7.8
2018 14,986,464 10.9 103.6 2.0 2023 19,310,582 6.9 110.1 1.1
2019 15,592,733 4.0 108.2 4.6 2024 20,002,773 3.6 114.9 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.

Product Liability Insurance, 2015-2024

($000)
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2015 $2,797,507 4.6% 130.6 -3.8 pts.
2016 2,422,376 -13.4 119.8 -10.8
2017 2,689,098 11.0 102.1 -17.8
2018 2,794,538 3.9 122.9 20.9
2019 3,014,579 7.9 108.6 -14.3
2020 3,237,200 7.4 88.2 -20.4
2021 3,559,032 9.9 100.5 12.3
2022 4,286,152 20.4 89.3 -11.2
2023 4,448,950 3.8 99.8 10.5
2024 4,532,902 1.9 108.1 8.3

(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.

Other Liability Insurance, 2015-2024

($000)
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2015 $45,579,934 3.2% 101.6 5.0 pts.
2016 44,583,869 -2.2 110.9 9.3
2017 46,641,099 4.6 101.0 -9.9
2018 58,516,714 25.5 100.0 -0.9
2019 60,494,343 3.4 105.5 5.5
2020 69,401,861 14.7 105.8 0.3
2021 84,607,251 21.9 97.0 -8.9
2022 94,187,764 11.3 96.5 -0.4
2023 95,619,809 1.5 100.1 3.6
2024 98,777,087 3.3 110.1 10.0

(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.

Earthquake Insurance, 2015-2024

($000)
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2015 $1,642,730 0.6% 28.5 -5.9 pts.
2016 1,526,914 -7.1 34.5 6.1
2017 1,429,548 -6.4 44.6 10.0
2018 1,775,279 24.2 45.4 0.8
2019 1,955,713 10.2 29.4 -15.9
2020 2,349,315 20.1 38.8 9.4
2021 2,894,251 23.2 36.9 -2.0
2022 3,059,133 5.7 31.4 -5.4
2023 3,705,470 21.1 30.1 -1.3
2024 3,734,779 0.8 32.7 2.6

(1) After reinsurance transactions, excludes state funds, such as the California Earthquake Authority, a not-for-profit, privately funded, publicly managed organization that provides coverage in California.
(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.

Homeowners Multiple Peril Insurance, 2015-2024

($000)
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2015 $79,416,454 3.4% 91.9 -0.7 pts.
2016 80,517,222 1.4 93.2 1.3
2017 82,262,386 2.2 107.2 14.0
2018 88,327,721 7.4 103.9 -3.2
2019 92,290,204 4.5 98.5 -5.4
2020 96,337,734 4.4 107.4 8.9
2021 103,388,421 7.3 103.8 -3.7
2022 113,869,764 10.1 104.5 0.7
2023 127,993,230 12.4 110.9 6.5
2024 145,689,078 13.8 99.7 -11.2

(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.

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

Commercial Automobile Insurance, 2015-2024

($000)
  Liability Collision/comprehensive
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)		 Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2015 $20,914,212 6.8% 111.3 7.7 pts. $6,710,262 9.6% 100.9 -2.2 pts.
2016 21,315,489 1.9 113.2 1.9 6,953,219 3.6 102.0 1.1
2017 22,880,944 7.3 113.4 0.3 7,758,352 11.6 104.2 2.3
2018 27,018,643 18.1 111.6 -1.9 8,783,623 13.2 96.9 -7.3
2019 29,234,582 8.2 114.0 2.4 9,640,296 9.8 95.5 -1.4
2020 30,005,121 2.6 107.2 -6.8 9,896,536 2.7 85.7 -9.8
2021 35,469,922 18.2 101.5 -5.7 11,119,835 12.4 90.2 4.5
2022 39,382,484 11.0 107.1 5.6 12,274,900 10.4 99.9 9.7
2023 42,508,586 7.9 113.4 6.3 13,284,965 8.2 96.2 -3.7
2024 47,142,789 10.9 113.0 -0.3 14,658,590 10.3 88.6 -7.6

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

Private Passenger Automobile Insurance, 2015-2024

($000)
  Liability Collision/comprehensive
Year Net
premiums
written (1)		 Annual
percent
change		 Combined
ratio (2)		 Annual
point
change (3)		 Net
premiums
written (1)		 Annual
percent
change		 Combined
ratio (2)		 Annual
point
change (3)
2015 $116,303,845 3.5% 107.9 4.1 pts. $76,462,942 7.6% 99.5 -0.8 pts.
2016 124,441,637 7.0 109.5 1.5 82,928,686 8.5 101.7 2.2
2017 133,759,785 7.5 105.5 -4.0 88,489,463 6.7 98.2 -3.5
2018 144,449,266 8.0 100.4 -5.1 96,465,734 9.0 93.7 -4.5
2019 147,278,690 2.0 101.7 1.3 100,407,182 4.1 94.5 0.8
2020 144,102,547 -2.2 94.8 -6.9 99,548,734 -0.9 89.2 -5.4
2021 148,417,736 3.0 99.8 5.0 104,464,678 4.9 103.9 14.7
2022 155,139,607 4.5 111.3 11.5 112,907,513 8.1 113.4 9.6
2023 173,192,135 11.6 106.3 -4.9 133,393,569 18.1 103.0 -10.4
2024 193,445,830 11.7 101.2 -5.1 152,443,528 14.3 87.9 -15.2

(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.

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

Insurance Provided By Beach And Windstorm Plans, Fiscal Year 2024 (1)

  Number of policies    
State Habitational Commercial Total Exposure (2)
($000)		 Direct premiums
written ($000)
Alabama 18,600 37 18,637 $7,466,751 $43,324
Mississippi 13,219 223 13,442 3,265,777 45,996
North Carolina 265,765 11,587 277,352 151,951,968 735,849
South Carolina 16,583 509 17,092 7,121,572 56,508
Texas 273,295 9,257 282,552 113,745,441 758,845
Total 587,462 21,613 609,075 $283,551,509 $1,640,522

(1) The Florida and Louisiana Beach Plans merged with their FAIR Plans, see chart, Insurance Provided By FAIR Plans By State.
(2) Exposure is the estimate of the aggregate value of all insurance in force in each state’s Beach and Windstorm Plan in all lines (except liability, where applicable, and crime) for 12 months ending September through December.

Source: Property Insurance Plans Service Office (PIPSO).

Insurance Provided By Fair Plans By State, Fiscal Year 2024 (1)

  Number of policies    
State Habitational Commercial Total Exposure (2)
($000)		 Direct premiums
written ($000)
California 417,310 13,990 431,300 $429,840,251 $1,415,750
Connecticut  1,187 53 1,240 304,240 1,842
Delaware 1,170 57 1,227 249,532 607
D.C. 116 18 134 70,977 194
Florida (3) 1,321,953 13,564 1,335,517 385,821,636 4,597,890
Georgia 8,778 638 9,416 2,200,620 16,250
Hawaii 2,402 (4) 2,402 928,919 5,565
Illinois 1,961 62 2,023 370,022 4,346
Indiana 810 30 840 1,817 1,767
Iowa 1,021 22 1,043 85,679 1,140
Kansas 11,507 209 11,716 949 9,412
Kentucky 4,102 175 4,277 206,094 2,551
Louisiana (3) 151,075 10,572 161,647 41,714,468 518,277
Maryland 678 44 722 326,557 854
Massachusetts 213,928 230 214,158 115,570,275 400,850
Michigan 15,981 293 16,274 2,599,502 13,850
Minnesota 4,160 101 4,261 457,440 4,542
Mississippi 2,237 (4) 2,237 137,658 1,769
Missouri 2,041 84 2,125 198,262 2,354
New Jersey 7,029 173 7,202 1,194,598 5,535
New Mexico 7,506 306 7,812 950,673 5,956
New York 20,669 1,556 22,225 7,633,000 32,265
North Carolina 235,990 10,165 246,155 57,330,647 278,203
Ohio 13,942 466 14,408 5,922,806 18,034
Oregon 2,377 170 2,547 840,983 3,067
Pennsylvania 8,982 984 9,966 1,327,698 5,345
Rhode Island 16,029 109 16,138 6,138,905 36,730
Texas 126,680 (4) 126,680 32,930,398 237,277
Virginia 22,622 503 23,125 4,291,002 20,855
Washington 306 55 361 176,330 858
West Virginia 260 43 303 30,032 274
Wisconsin 5,246 198 5,444 860,276 4,553
Total 2,630,055 54,870 2,684,925 $1,100,712,246 $7,648,762

(1) Excludes the FAIR Plans of Arkansas.
(2) Exposure is the estimate of the aggregate value of all insurance in force in all FAIR Plans in all lines (except liability, where applicable, and crime) for 12 months ending September through December.
(3) Citizens Property Insurance Corporation, which combined the FAIR and Beach Plans.
(4) The Hawaii, Mississippi and Texas FAIR Plans do not offer a commercial policy.

Source: Property Insurance Plans Service Office (PIPSO). 

TOP 10 MOST FREQUENTLY STOLEN VEHICLES, 2014

Rank Model (1) Thefts
1 Honda Accord 51,290
2 Honda Civic 43,936
3 Ford Pickup (Full size) 28,680
4 Chevrolet Pickup (Full size) 23,196
5 Toyota Camry 14,605
6 Dodge Pickup (Full size) 11,075
7 Dodge Caravan 10,483
8 Nissan Altima 9,109
9 Acura Integra 6,902
10 Nissan Maxima 6,586

(1) Includes all model years for each vehicle.

Source: National Insurance Crime Bureau.

Individual Long-Term Care Insurance, 2020 (1)

  Lives Percent change, 2018-2019 Premium ($ millions) Percent change, 2019-2020
New business ˂49,000 -12% $152 -9%
In-force  ~4,500,000 -1 ̴11,000 1

(1) Based on LIMRA International’s Individual LTC Sales survey.

˂=Less than.
˜=Approximately.

Source: Individual Long-Term Care Insurance Sales and In Force Survey, 2020, LIMRA, 2021.

Top 10 Catastrophe Bond Transactions, 2017 (1)

(US$ millions)
Rank Special purpose vehicle Sponsor name Risk amount Peril and risk location
1 Kilimanjaro Re Ltd. 2017-1 Everest Re $950 U.S./Canada named storm, earthquake
2 Ursa Re Ltd. 2017-1 California Earthquake Authority 925 California earthquake
3 Galilei Re Ltd. 2017-1 XL Insurance (Bermuda) Ltd. 525 U.S. named storm, U.S./Canada earthquake, European windstorm, Australian tropical cyclone, Australian earthquake
4 Aozora Re Ltd. 2017-1 Sampo Japan Nipponkoa 480 Japan typhoon
5 Residential Re Ltd. 2017-1 USAA 425 U.S. tropical cyclone, earthquake including fire following, severe thunderstorm, winter storm, wildfire, volcanic eruption, meteorite impact, other perils
6 Alamo Re Ltd. 2017-1 Texas Insurance Windstorm Association 400 Texas named storm, severe thunderstorm
7 Ursa Re Ltd. 2017-2 California Earthquake Authority 400 California earthquake
8 Tailwind Re Ltd. 2017-1 Validus Re 400 U.S./Canada named storm, earthquake
9 Sanders Re Ltd. 2017-1 Allstate 375 U.S. named storm, earthquake including fire following, severe thunderstorm, winter storm, volcanic eruption, meteorite impact
10 Caelus Re V Ltd. 2017-1 Nationwide  375 U.S. named storm, earthquake, severe thunderstorm, winter storm, wildfire, volcanic eruptions, meteorite impact, other perils

(1) Excludes non-property/casualty deals.

Source:  GC Securities, a division of MMC Securities LLC., a registered broker-dealer, member FINRA/SIPC.

Top 10 Writers Of Homeowners Insurance By Direct Premiums Written, 2024

($000)
Rank Group/company Direct premiums written (1) Market share (2)
1 State Farm $31,461,022 18.2%
2 Allstate Corp. 15,489,753 9.0
3 USAA Insurance Group 11,902,997 6.9
4 Liberty Mutual 10,610,141 6.1
5 Farmers Insurance Group of Companies 9,516,235 5.5
6 American Family Insurance Group 8,618,179 5.0
7 Travelers Companies Inc. 8,153,827 4.7
8 Chubb Ltd. 4,389,291 2.5
9 Nationwide Mutual Group 3,726,471 2.2
10 Auto-Owners Insurance 3,331,923 1.9

(1) Before reinsurance transactions, includes state funds.
(2) Based on U.S. total, excluding territories.

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

Top 10 Writers Of Commercial Lines Insurance By Direct Premiums Written, 2024

($000)
Rank Group/company Direct premiums written (1) Market share (2)
1 Travelers Companies Inc. $26,232,201 5.2%
2 Chubb Ltd. 26,123,774 5.2
3 Liberty Mutual 19,970,975 4.0
4 Berkshire Hathaway Inc. 19,202,724 3.8
5 Zurich Insurance Group 17,991,721 3.6
6 American International Group (AIG) 14,151,844 2.8
7 Hartford Financial Services 13,829,345 2.8
8 CNA Financial Corp. 13,450,851 2.7
9 Progressive 12,547,795 2.5
10 Tokio Marine 10,255,294 2.1

(1) Before reinsurance transactions, includes state funds.
(2) Based on U.S. total, excluding territories.

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

Top 10 Writers Of Commercial Auto Insurance By Direct Premiums Written, 2024

($000)
Rank Group/company Direct premiums written (1) Market share (2)
1 Progressive $10,787,378 15.1%
2 Travelers Companies Inc. 3,850,278 5.4
3 Old Republic International Corp. 2,947,613 4.1
4 Liberty Mutual 2,744,815 3.8
5 Berkshire Hathaway Inc. 2,630,493 3.7
6 Zurich Insurance Group 2,285,036 3.2
7 Auto-Owners Insurance Co. 2,096,516 2.9
8 State Farm 2,005,850 2.8
9 W.R. Berkley Corp. 1,485,991 2.1
10 Hartford Financial Services 1,437,575 2.0

(1) Before reinsurance transactions, includes state funds.
(2) Based on U.S. total, excluding territories.

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

Top 10 Writers Of Private Passenger Auto Insurance By Direct Premiums Written, 2024

($000)
Rank Group/company Direct premiums written (1) Market share (2)
1 State Farm $67,748,192 18.9%
2 Progressive 60,053,469 16.7
3 Berkshire Hathaway Inc. 41,714,394 11.6
4 Allstate Corp. 36,581,812 10.2
5 USAA Insurance Group 22,096,870 6.2
6 Farmers Insurance Group of Companies 13,492,655 3.8
7 Liberty Mutual 11,741,471 3.3
8 Travelers Companies Inc. 7,184,379 2.0
9 Auto Club Exchange 6,465,137 1.8
10 American Family Insurance Group 6,174,180 1.7

(1) Before reinsurance transactions, includes state funds.
(2) Based on U.S. total, excluding territories.

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

Top 10 Writers Of Workers’ Compensation Insurance By Direct Premiums Written, 2024

($000)
Rank Group/company Direct premiums written (1) Market share (2)
1 Travelers Companies Inc. $3,833,318 6.7%
2 Hartford Financial Services 3,705,704 6.5
3 AmTrust Financial 3,369,192 5.9
4 Zurich Insurance Group 2,872,458 5.0
5 Chubb Ltd. 2,326,401 4.1
6 Berkshire Hathaway Inc. 2,000,970 3.5
7 Liberty Mutual 1,854,293 3.2
8 NY State Insurance Fund 1,686,141 3.0
9 Accident Fund Group 1,506,472 2.6
10 Old Republic International Corp. 1,493,592 2.6

(1) Before reinsurance transactions, includes state funds.
(2) Based on U.S. total, excluding territories.

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

Mortgage Guaranty Insurance, 2015-2024

($000)
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2015 $4,681,136 12.0% 58.1 -12.1 pts.
2016 4,410,279 -5.8 49.8 -8.2
2017 4,376,429 -0.8 40.4 -9.4
2018 4,693,639 7.2 29.2 -11.2
2019 4,862,883 3.6 32.8 3.5
2020 4,765,343 -2.0 62.8 30.0
2021 4,684,479 -1.7 31.5 -31.3
2022 4,274,086 -8.8 2.9 -28.6
2023 4,227,993 -1.1 19.9 17.0
2024 4,250,397 0.5 24.0 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 data.

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

BANK SHARE OF FIXED AND VARIABLE ANNUITY PREMIUMS, 2004-2013

($ billions)
  Fixed annuity premiums Variable annuity premiums
Year Total market Banks Bank share Total market Banks Bank share
2004 $81.9 $30.3 37.0% $132.9 $18.0 13.5%
2005 73.6 21.8 29.6 136.9 17.7 12.9
2006 72.4 20.1 27.8 160.4 21.6 13.5
2007 72.8 16.9 23.2 184.0 25.5 13.9
2008 109.3 33.3 30.5 155.7 18.7 12.0
2009 110.6 31.4 28.4 128.0 13.1 10.2
2010 81.9 17.3 21.1 140.5 15.6 11.1
2011 80.5 17.6 21.9 157.9 18.0 11.4
2012 72.3 12.3 17.0 147.4 17.4 11.8
2013 84.4 17.5 20.7 145.4 18.4 12.7

Source: Bank Insurance and Securities Research Associates (BISRA).

Top 10 U.S. Property/Casualty Reinsurers Of U.S. Business By Gross Premiums Written, 2022

($000)
Rank Company (1) Country of parent company Gross premiums written
1 National Indemnity Co. U.S. $33,582,206
2 Everest Reinsurance Co. Bermuda 10,041,480
3 Swiss Reinsurance America Corp, Switzerland 9,135,492
4 Odyssey Group Canada 7,265,487
5 Munich Re America, Corp. Germany 7,199,758
6 Transatlantic Reinsurance Co. U.S. 5,447,757
7 General Reinsurance Corp. U.S. 4,061,093
8 Allied World Insurance co. U.S. 3,023,648
9 Partner Re Co. of the U.S. France 2,879,285
10 SCOR Reinsurance Company Group Bermuda 2,730,042

(1) See Reinsurance Underwriting Review 2022 notes posted at www.reinsurance.org for a list of affiliated companies included.

Source: Reinsurance Association of America.

Property/Casualty Insurance Industry Income Analysis, 2020-2024

($ billions)
  2020 2021 2022 2023 2024
Net premiums written  $655.8 $715.7 $778.2 $857.9 $918.6
     Percent change 2.5% 9.1% 8.7% 10.2% 7.1%
Premiums earned  $643.0 $689.8 $748.7 $821.7 $888.5
Losses and loss adjustment expenses incurred 451.0 500.7 569.8 627.5 631.7
Other underwriting expenses 179.4 188.6 199.8 213.9 230.9
Policyholder dividends 7.7 4.6 3.3 3.6 4.2
Net underwriting gain/loss 12.1 -0.4 -22.4 -20.3 26.2
Net investment income 53.5 56.1 71.5 72.7 86.7
Miscellaneous income/loss -1.9 0.1 -1.5 -2.8 -2.9
Operating income 59.3 54.6 47.9 49.9 110.1
Realized capital gain 10.7 17.5 -3.9 48.1 79.3
Federal income tax 8.7 9.1 6.1 11.0 19.6
Net income after taxes 61.3 63.0 37.9 87.0 169.8

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

Insurance Provided By FAIR Plans, Fiscal Years 2015-2024 (1)

  Number of policies    
State Habitational Commercial Total Exposure (2)
($000)		 Direct premiums
written ($000)
2015 1,728,423 51,443 1,779,866 $373,829,442 $2,198,182
2016 1,498,430 37,522 1,535,952 343,141,990 1,865,744
2017 1,449,312 29,641 1,478,953 327,209,703 1,747,336
2018 1,339,004 24,484 1,363,488 324,765,281 1,694,115
2019 1,370,999 25,776 1,396,775 350,545,986 1,506,609
2020 1,474,616 22,645 1,497,261 424,815,716 2,196,042
2021 1,729,208 24,352 1,753,560 556,808,169 3,012,193
2022 2,244,317 35,059 2,279,376 837,330,722 4,951,815
2023 2,657,457 47,593 2,705,050 1,068,082,544 7,379,977
2024 2,630,055 54,870 2,684,925 1,100,712,246 7,648,762

(1) Includes the Texas FAIR Plan; Florida’s Citizens Property Insurance Corporation, which includes FAIR and Beach Plans; the Louisiana Citizens Property Insurance Corporation, which includes FAIR and Beach Plans and premiums written after 2007; and North Carolina after 2010.
(2) Exposure is the estimate of the aggregate value of all insurance in force in all FAIR Plans in all lines (except liability, where applicable, and crime) for 12 months ending September through December.

Source: Property Insurance Plans Service Office (PIPSO).

Annual Rate Of Return: Net Income After Taxes As A Percent Of Equity, 2011-2020

  Property/casualty (1) Life/annuity Selected other industries (2)  
Year Statutory
accounting (3)		 GAAP
accounting (4)		 Life/annuity
insurance (5)		 Healthcare
insurance (6)		 Diversified
financial (7)		 Commercial
banks		 Electric and
gas utilities		 Fortune 500
combined
industrials
and service (8)
2011 3.5% 3.0% 8.0% 15.0% 12.0% 8.0% 10.0% 14.5%
2012 6.1 5.3 7.0 12.0 18.0 9.0 8.0 15.0
2013 10.2 8.9 7.0 13.0 18.0 9.0 9.0 13.7
2014 8.4 7.5 9.0 12.0 22.0 9.0 10.0 14.2
2015 8.4 7.4 8.0 12.0 22.0 8.0 9.0 13.3
2016 6.2 5.5 7.0 11.0 14.0 8.0 9.0 12.9
2017 5.0 (9) 9.0 15.0 14.0 9.0 10.0 14.1
2018 8.0 NA 6.0 12.0 20.0 12.0 10.0 14.5
2019 7.8 NA 7.0 19.0 24.0 11.0 10.0 13.2
2020 6.8 NA 2.0 22.0 15.0 8.0 10.0 10.8

(1) Excludes state funds for workers compensation and other residual market carriers.
(2) Return on equity on a GAAP accounting basis, Fortune.
(3) Statutory net income after taxes, divided by the average of current and prior year-end policyholders’ surplus. Calculated by ISO. Statutory accounting is used by insurers when preparing the Annual Statements they submit to regulators.
(4) Estimated from statutory data. Equals GAAP net income divided by the average of current and prior-year-end GAAP net worth. Calculated by ISO.
(5) Return on equity on a GAAP accounting basis, Fortune. Combined stock and mutual companies, calculated by the Insurance Information Institute.
(6) Healthcare insurance and managed care.
(7) Companies whose major source of revenue comes from providing diversified financial services. These companies are not specifically chartered as insurance companies, banks or savings institutions, or brokerage or securities companies, but they may earn revenue from these sources.
(8) Fortune 500 Combined Industrial and Service Businesses median return on shareholders’ equity.
(9) Data not available from ISO due to the uncertainties associated with the implementation of the Tax Cuts and Jobs Act of 2017.

NA=Data not available.

Source: ISO®, a Verisk Analytics business®; Fortune.

TOP 10 UNDERWRITERS OF BANK LIFE INSURANCE PREMIUMS, BY TOTAL NEW PREMIUMS, 2013

($ millions)
Rank Company Premiums
1 Liberty Life of Boston $400.9
2 Great West L & A 270.4
3 OneAmerica 119.4
4 Western & Southern Group 61.8
5 American General 35.4
6 Protective 26.5
7 CUNA 22.7
8 Vantis Life 4.0
9 Symetra 0.9
10 Ohio National 0.3

Source: Bank Insurance and Securities Research Associates (BISRA).

Incurred Losses By State, Workers Compensation Insurance, 2019 (1)

($000)
State Incurred losses State Incurred losses
Alabama $143,564 Montana $154,455
Alaska 69,449 Nebraska 190,479
Arizona 411,633 Nevada 186,877
Arkansas 113,937 New Hampshire 75,221
California 4,631,636 New Jersey 1,327,417
Colorado 481,069 New Mexico 132,515
Connecticut 361,742 New York 1,381,092
Delaware 47,974 North Carolina 519,760
D.C. 75,748 North Dakota 110
Florida 1,546,007 Ohio 11,753
Georgia 746,776 Oklahoma 182,901
Hawaii 151,164 Oregon 394,994
Idaho 314,351 Pennsylvania 1,470,850
Illinois 1,078,842 Rhode Island 125,915
Indiana 354,699 South Carolina 404,220
Iowa 365,676 South Dakota 88,499
Kansas 217,942 Tennessee 297,401
Kentucky 353,353 Texas 922,526
Louisiana 397,280 Utah 208,654
Maine 148,236 Vermont 107,798
Maryland 441,939 Virginia 508,363
Massachusetts 756,459 Washington -14,301
Michigan 323,267 West Virginia 99,646
Minnesota 504,421 Wisconsin 1,068,062
Mississippi 159,864 Wyoming -205
Missouri 509,373 United States $24,551,401

(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance.

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

Incurred Losses By State, Private Passenger Auto Insurance, 2019 (1)

($000)
State Incurred losses State Incurred losses
Alaska $308,139 Montana $588,968
Alabama 2,258,109 Nebraska 911,323
Arizona 3,552,668 Nevada 1,798,167
Arkansas 1,278,682 New Hampshire 534,065
California 19,828,210 New Jersey 5,127,131
Colorado 3,611,420 New Mexico 933,190
Connecticut 2,025,687 New York 9,742,081
Delaware 658,301 North Carolina 4,416,542
D.C. 247,225 North Dakota 341,128
Florida 14,573,433 Ohio 4,138,688
Georgia 6,545,121 Oklahoma 1,624,033
Hawaii 491,485 Oregon 1,898,564
Idaho 635,120 Pennsylvania 5,987,024
Illinois 4,960,261 Rhode Island 644,406
Indiana 2,426,160 South Carolina 2,895,281
Iowa 1,133,148 South Dakota 366,509
Kansas 1,241,349 Tennessee 2,756,583
Kentucky 2,034,506 Texas 14,857,798
Louisiana 3,017,890 Utah 1,447,401
Maine 475,688 Vermont 220,562
Maryland 3,516,122 Virginia 3,823,270
Massachusetts 3,428,912 Washington 3,587,146
Michigan 5,871,429 West Virginia 773,648
Minnesota 2,517,671 Wisconsin 2,044,770
Mississippi 1,273,691 Wyoming 323,346
Missouri 2,687,254 United States $162,379,305

(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance.

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

Incurred Losses By State, Property/Casualty Insurance, 2024 (1)

($000)
State Incurred losses State Incurred losses
Alabama $7,646,925 Montana $2,251,015
Alaska 982,679 Nebraska 6,470,255
Arizona 11,103,246 Nevada 6,761,378
Arkansas 5,995,163 New Hampshire 1,839,651
California 73,244,478 New Jersey 19,336,041
Colorado 13,437,306 New Mexico 3,896,254
Connecticut 7,557,465 New York 43,283,415
D.C. 1,378,417 North Carolina 16,933,976
Delaware 2,266,837 North Dakota 1,784,108
Florida 58,181,106 Ohio 14,310,018
Georgia 26,629,633 Oklahoma 7,593,305
Hawaii 1,790,660 Oregon 7,003,045
Idaho 2,852,211 Pennsylvania 20,196,218
Illinois 23,745,637 Rhode Island 1,895,837
Indiana 10,549,797 South Carolina 11,627,177
Iowa 5,755,463 South Dakota 2,018,979
Kansas 6,442,395 Tennessee 10,812,404
Kentucky 6,267,706 Texas 64,466,132
Louisiana 8,990,404 Utah 4,949,464
Maine 1,716,510 Vermont 894,167
Maryland 9,909,325 Virginia 11,924,451
Massachusetts 10,959,535 Washington 13,761,822
Michigan 16,286,177 West Virginia 2,091,195
Minnesota 10,688,720 Wisconsin 8,904,031
Mississippi 4,196,365 Wyoming 924,508
Missouri 12,548,078 United States $627,051,084

(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance.

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

Life Insurance Claims And Benefits Paid By State, 2019 (1)

($000)
State Incurred losses State Incurred losses
Alabama $6,346,204 Montana $1,251,800
Alaska 1,209,744 Nebraska 4,147,955
Arizona 10,731,228 Nevada 3,700,350
Arkansas 3,455,412 New Hampshire 3,041,513
California 54,149,695 New Jersey 23,448,834
Colorado 9,135,183 New Mexico 2,320,059
Connecticut 20,431,775 New York 46,376,639
Delaware 11,815,090 North Carolina 15,544,519
D.C. 2,297,225 North Dakota 1,262,696
Florida 40,497,609 Ohio 21,500,084
Georgia 15,920,046 Oklahoma 4,395,394
Hawaii 2,699,710 Oregon 6,152,166
Idaho 2,181,859 Pennsylvania 28,324,239
Illinois 21,548,170 Rhode Island 2,122,265
Indiana 10,924,080 South Carolina 7,353,026
Iowa 10,236,743 South Dakota 1,461,123
Kansas 4,800,137 Tennessee 10,303,027
Kentucky 6,447,731 Texas 33,996,071
Louisiana 6,846,844 Utah 4,765,669
Maine 2,307,339 Vermont 1,231,078
Maryland 10,586,801 Virginia 13,333,591
Massachusetts 19,845,463 Washington 10,668,287
Michigan 19,620,725 West Virginia 2,421,391
Minnesota 14,140,167 Wisconsin 11,207,735
Mississippi 3,222,378 Wyoming 824,487
Missouri 12,813,454 United States $585,364,809

(1) On a direct basis before reinsurance. Includes life insurance, death benefits, matured endowments, annuity benefits, and other life insurance benefits. Does not include accident and health benefits.

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

Incurred Losses By State, Homeowners Insurance, 2019 (1)

($000)
State Incurred losses State Incurred losses
Alabama $911,785 Montana $138,443
Alaska 78,263 Nebraska 831,422
Arizona 758,282 Nevada 310,490
Arkansas 450,791 New Hampshire 167,682
California 15,537,312 New Jersey 1,027,437
Colorado 1,847,521 New Mexico 399,164
Connecticut 530,780 New York 2,255,396
Delaware 101,998 North Carolina 1,239,572
D.C. 74,814 North Dakota 66,665
Florida 8,338,668 Ohio 1,382,572
Georgia 2,281,253 Oklahoma 733,822
Hawaii 124,226 Oregon 556,768
Idaho 256,968 Pennsylvania 1,450,507
Illinois 2,872,152 Rhode Island 156,012
Indiana 1,084,975 South Carolina 721,977
Iowa 656,054 South Dakota 186,924
Kansas 639,267 Tennessee 1,057,190
Kentucky 600,526 Texas 6,923,450
Louisiana 616,808 Utah 285,032
Maine 197,973 Vermont 91,470
Maryland 903,136 Virginia 1,294,734
Massachusetts 738,068 Washington 936,217
Michigan 1,477,520 West Virginia 191,015
Minnesota 1,855,159 Wisconsin 821,867
Mississippi 453,816 Wyoming 134,152
Missouri 1,323,972 United States $68,072,066

(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance.  

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

Incurred Losses By State, Commercial Insurance, 2019 (1)

($000)
State Incurred losses State Incurred losses
Alabama $1,793,587 Montana $919,776
Alaska 356,189 Nebraska 1,708,365
Arizona 2,327,020 Nevada 1,672,253
Arkansas 1,600,472 New Hampshire 468,357
California 21,356,376 New Jersey 6,785,945
Colorado 3,103,153 New Mexico 889,278
Connecticut 2,220,881 New York 15,514,275
Delaware 688,956 North Carolina 3,702,391
D.C. 378,394 North Dakota 1,273,448
Florida 14,534,813 Ohio 4,238,179
Georgia 5,610,805 Oklahoma 1,893,782
Hawaii 584,652 Oregon 1,868,227
Idaho 850,249 Pennsylvania 7,314,696
Illinois 8,527,029 Rhode Island 525,819
Indiana 2,861,556 South Carolina 2,250,933
Iowa 1,879,763 South Dakota 1,591,974
Kansas 1,784,301 Tennessee 2,336,953
Kentucky 1,875,461 Texas 17,492,038
Louisiana 2,971,976 Utah 1,123,346
Maine 566,361 Vermont 328,064
Maryland 2,789,339 Virginia 2,822,991
Massachusetts 3,638,401 Washington 2,946,766
Michigan 3,848,514 West Virginia 644,046
Minnesota 3,862,174 Wisconsin 3,185,911
Mississippi 1,262,239 Wyoming 351,323
Missouri 3,507,667 United States $178,629,467

(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance.  

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

Gross State Product (GSP), Insurance Carriers And Related Activities, 2019-2020

($ millions)
State 2019 2020 As a percent of 2020 total GSP
Alabama $4,843 $5,445 2.40%
Alaska 388 348 0.70
Arizona 8,997 10,602 2.84
Arkansas 2,756 3,214 2.46
California 42,431 42,662 1.42
Colorado 7,517 9,287 2.43
Connecticut 21,972 21,702 7.85
Delaware 6,022 5,306 7.00
D.C. 1,811 2,082 1.44
Florida 34,112 38,191 3.45
Georgia 14,026 15,093 2.42
Hawaii 1,766 1,976 2.38
Idaho 1,475 1,627 1.94
Illinois 44,775 42,497 4.95
Indiana 15,479 14,269 3.80
Iowa 18,062 20,797 10.71
Kansas 4,651 5,457 3.12
Kentucky 6,188 7,245 3.41
Louisiana 5,694 6,644 2.82
Maine 2,308 2,677 3.87
Maryland 10,473 9,895 2.41
Massachusetts 17,299 20,605 3.54
Michigan 14,383 13,631 2.65
Minnesota 14,459 15,081 4.04
Mississippi 2,293 2,558 2.25
Missouri 10,262 10,669 3.24
Montana 863 910 1.77
Nebraska 11,017 12,668 9.49
Nevada 4,184 5,004 2.93
New Hampshire 4,230 3,859 4.40
New Jersey 17,878 19,523 3.16
New Mexico 1,743 2,064 2.10
New York 62,132 73,601 4.27
North Carolina 11,546 11,776 2.00
North Dakota 1,249 1,281 2.34
Ohio 31,245 29,975 4.42
Oklahoma 3,333 3,319 1.77
Oregon 5,285 5,789 2.37
Pennsylvania 28,526 27,545 3.57
Rhode Island 3,113 3,143 5.19
South Carolina 5,369 6,029 2.46
South Dakota 1,329 1,393 2.54
Tennessee 10,116 12,048 3.26
Texas 43,917 44,552 2.51
Utah 3,806 4,429 2.24
Vermont 1,090 1,085 3.25
Virginia 9,238 10,423 1.90
Washington 8,642 10,297 1.70
West Virginia 1,467 1,656 2.18
Wisconsin 18,376 17,996 5.33
Wyoming 348 379 1.04
United States $604,481 $640,299 3.06%

Note: Last updated: October 1, 2021.

Source: U.S. Department of Commerce, Bureau of Economic Analysis.

Direct Premiums Written, Property/Casualty Insurance, By State By Line, 2024 (1) (Cont’d)

($000)
State Aircraft Earthquake Federal flood Credit Warranty Accident and health
Alabama $32,162 $13,810 $31,200 $57,222 $17,863 $122,473
Alaska 69,724 60,908 754 4,027 3,125 12,175
Arizona 86,188 23,167 14,327 26,127 42,023 145,252
Arkansas 43,743 58,230 8,556 27,922 11,867 70,351
California 290,921 3,582,421 136,754 230,022 160,484 851,959
Colorado 96,805 19,636 11,697 46,492 42,144 129,193
Connecticut 30,631 13,018 39,681 39,108 19,104 82,080
Delaware 24,168 2,261 15,319 23,178 17,013 148,779
D.C. 7,358 5,470 1,005 39,671 33 103,868
Florida 243,239 81,385 1,295,867 240,073 885,426 416,246
Georgia 106,759 28,990 46,845 78,972 33,159 253,238
Hawaii 11,081 34,311 41,614 11,162 2,055 13,256
Idaho 23,557 12,210 3,769 14,256 6,566 23,999
Illinois 107,152 124,092 22,102 102,359 248,867 473,822
Indiana 41,459 58,860 11,462 55,198 63,412 426,250
Iowa 26,466 7,672 9,278 19,663 5,777 86,598
Kansas 39,812 10,348 5,429 28,352 236,188 87,500
Kentucky 15,114 59,543 12,911 41,922 9,593 97,035
Louisiana 48,545 7,987 295,972 46,955 7,401 104,612
Maine 9,579 3,178 9,510 9,371 7,728 22,696
Maryland 35,405 19,184 24,674 26,071 18,681 99,096
Massachusetts 27,707 54,049 58,638 62,281 64,470 148,059
Michigan 57,310 14,614 12,660 69,184 635,114 230,057
Minnesota 58,870 8,330 9,607 28,317 21,290 86,465
Mississippi 22,061 28,991 42,786 31,436 5,540 80,500
Missouri 39,523 154,668 15,906 54,870 27,498 197,842
Montana 27,469 11,684 2,588 2,531 801 28,487
Nebraska 26,829 3,387 5,489 9,334 5,045 95,112
Nevada 52,520 75,115 6,367 11,161 2,102 51,860
New Hampshire 15,350 5,786 7,307 15,193 7,876 32,892
New Jersey 33,606 41,624 176,485 110,225 53,382 197,463
New Mexico 16,036 6,063 7,082 16,758 3,695 32,254
New York 85,774 120,317 163,272 324,566 100,827 584,810
North Carolina 73,679 31,995 88,552 43,343 48,287 189,151
North Dakota 13,566 1,148 3,871 2,653 898 13,425
Ohio 120,223 44,828 19,117 93,217 127,634 305,787
Oklahoma 34,247 19,515 6,612 29,858 12,984 81,214
Oregon 43,368 206,864 15,743 14,932 6,342 80,242
Pennsylvania 63,443 33,343 48,851 83,211 72,035 415,778
Rhode Island 12,760 4,428 10,955 7,995 4,524 17,323
South Carolina 28,816 69,117 113,716 32,744 11,453 108,672
South Dakota 13,749 681 2,298 16,135 2,328 18,299
Tennessee 67,373 138,836 20,781 62,690 27,188 183,790
Texas 309,457 69,576 441,692 571,386 217,709 605,195
Utah 44,002 148,833 1,967 17,946 74,746 61,400
Vermont 3,832 3,153 5,280 3,127 1,808 25,198
Virginia 115,597 32,811 52,507 70,095 31,118 156,117
Washington 59,589 463,939 23,289 41,353 137,329 95,094
West Virginia 5,061 870 10,633 7,734 5,096 29,144
Wisconsin 42,543 10,354 7,789 36,129 43,393 175,423
Wyoming 12,579 8,403 1,182 3,977 1,065 20,634
United States $2,916,810 $6,040,006 $3,421,745 $3,042,502 $3,592,088 $8,118,164

(1) Includes some state funds.

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

Direct Premiums Written, Property/Casualty Insurance, By State By Line, 2024 (1) (Cont’d)

($000)
State Inland marine Ocean marine Surety Fidelity Burglary
and theft		 Boiler and
machinery		 Financial
guaranty
Alabama $507,230 $65,956 $138,158 $14,261 $7,077 $41,307 $1,956
Alaska 92,244 45,675 40,776 3,060 960 15,695 1,827
Arizona 661,853 41,074 230,949 17,453 10,558 40,006 1,573
Arkansas 320,517 35,658 68,542 9,028 6,087 25,405 463
California 3,664,101 547,640 1,210,133 177,872 63,788 249,310 29,353
Colorado 629,711 34,173 212,941 30,445 11,520 44,193 17,002
Connecticut 443,298 98,720 106,017 25,933 8,886 30,004 1,181
Delaware 234,780 18,904 49,625 7,551 2,927 8,769 64,740
D.C. 164,732 13,050 226,649 16,614 5,890 7,663 751
Florida 2,596,841 742,802 801,511 75,872 39,220 117,970 47,999
Georgia 1,102,697 106,625 302,394 36,828 22,007 83,886 1,070
Hawaii 0 29,353 0 4,849 1,548 7,336 3,596
Idaho 202,692 16,607 56,346 4,300 1,751 18,791 411
Illinois 1,285,134 211,177 351,525 71,141 37,757 120,679 7,181
Indiana 578,709 45,509 177,757 20,403 11,176 71,260 2,275
Iowa 388,629 12,360 67,394 13,569 4,979 37,447 1,652
Kansas 295,929 13,688 71,874 10,765 5,928 31,679 1,100
Kentucky 361,122 40,458 109,330 10,667 7,069 48,033 706
Louisiana 582,047 201,135 175,011 13,565 7,231 59,583 3,064
Maine 140,917 47,903 27,402 4,685 1,469 16,023 237
Maryland 499,557 88,854 236,958 25,359 13,608 40,952 3,899
Massachusetts 713,311 155,044 194,198 55,403 18,440 62,223 545
Michigan 807,864 158,493 175,680 33,891 15,873 93,024 1,201
Minnesota 593,721 42,991 118,723 29,479 12,168 65,611 425
Mississippi 298,039 21,303 80,071 8,180 3,622 21,421 2,798
Missouri 620,081 58,391 146,460 26,245 13,706 55,567 4,728
Montana 145,576 5,570 47,296 3,945 2,084 11,469 288
Nebraska 297,621 69,856 68,129 7,864 3,701 21,416 1,272
Nevada 283,561 15,065 142,339 8,386 4,344 23,974 45
New Hampshire 136,025 20,903 24,942 6,234 1,971 10,761 128
New Jersey 946,380 217,084 246,449 47,401 18,300 78,120 5,028
New Mexico 164,895 3,269 85,925 4,834 2,667 11,485 469
New York 2,202,031 524,994 664,723 178,648 42,910 183,182 78,516
North Carolina 1,041,344 123,542 293,810 43,306 15,978 72,830 13,080
North Dakota 130,156 3,124 36,927 3,582 1,173 18,842 143
Ohio 903,404 91,728 219,480 41,920 26,735 114,213 1,944
Oklahoma 382,932 22,786 125,163 13,047 6,809 26,927 1,559
Oregon 393,612 52,768 129,564 11,401 6,611 34,292 2,039
Pennsylvania 1,071,494 105,942 362,419 54,627 24,083 119,781 11,359
Rhode Island 109,682 58,179 41,129 5,358 2,429 11,294 1,265
South Carolina 577,632 63,043 150,426 11,660 5,802 39,555 4,496
South Dakota 117,789 2,533 34,619 3,734 952 14,318 55
Tennessee 732,043 124,583 198,237 23,483 12,771 63,919 1,576
Texas 3,517,613 466,708 1,190,666 99,346 72,448 243,996 44,737
Utah 298,913 26,033 99,998 11,414 4,722 19,831 696
Vermont 64,649 4,621 13,468 3,210 965 7,386 0
Virginia 743,980 166,646 310,248 41,125 15,867 51,880 764
Washington 756,266 236,834 244,566 24,623 10,383 54,280 1,232
West Virginia 115,791 5,411 59,788 3,718 1,001 12,111 117
Wisconsin 563,021 65,329 103,923 25,085 11,544 72,491 6,276
Wyoming 81,336 3,207 62,532 2,105 630 13,734 190
United States $33,563,501 $5,373,293 $10,333,188 $1,427,475 $632,129 $2,745,924 $379,006

(1) Includes some state funds.

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

Direct Premiums Written, Property/Casualty Insurance, By State By Line, 2024 (1) (Cont’d)

($000)
State Workers
compensation		 Excess workers
compensation		 Medical
professional
liability		 Product
liability		 Other
liability		 Fire Allied lines
Alabama $440,377 $18,818 $200,161 $58,296 $1,244,226 $434,711 $456,778
Alaska 186,914 3,787 27,236 8,198 252,463 91,444 57,841
Arizona 867,543 17,399 273,276 92,293 1,951,992 375,597 328,046
Arkansas 276,781 8,540 90,965 31,092 778,521 316,358 257,062
California 11,707,981 229,540 1,068,064 716,356 16,098,901 4,253,555 2,114,500
Colorado 1,096,173 17,900 201,326 111,033 2,499,132 507,175 544,672
Connecticut 762,962 21,928 255,924 75,332 1,760,106 279,292 253,386
Delaware 176,327 2,032 45,971 20,578 788,596 66,508 59,503
D.C. 158,281 5,513 31,753 9,995 774,399 81,610 68,970
Florida 3,184,810 81,857 1,052,235 399,001 8,728,727 3,071,656 7,205,586
Georgia 1,833,136 42,294 461,811 165,529 3,482,610 832,662 693,268
Hawaii 360,406 10,542 41,992 17,591 515,144 222,737 377,565
Idaho 484,436 2,392 46,062 27,749 447,117 127,580 88,196
Illinois 2,535,898 55,229 617,648 252,781 6,305,526 921,204 687,701
Indiana 833,756 12,272 187,099 131,854 1,662,064 544,766 363,818
Iowa 665,506 10,796 98,758 60,734 1,012,601 347,775 272,149
Kansas 443,070 8,966 110,724 69,013 782,875 239,469 316,301
Kentucky 565,170 13,419 159,039 41,937 836,909 286,362 218,547
Louisiana 847,144 55,905 116,822 65,388 1,574,271 773,415 1,263,111
Maine 282,402 3,757 58,890 14,929 318,686 79,465 73,214
Maryland 936,639 17,410 339,474 58,575 1,806,595 330,463 274,898
Massachusetts 1,338,416 28,156 422,076 157,091 3,444,486 593,127 527,101
Michigan 1,063,059 28,209 264,120 142,720 2,298,334 610,105 354,883
Minnesota 1,014,400 1,477 116,534 131,385 1,986,990 550,434 638,034
Mississippi 350,949 7,356 65,455 28,552 568,200 282,823 302,123
Missouri 1,084,678 41,653 219,578 88,723 1,928,057 499,591 463,155
Montana 304,397 4,800 46,179 19,589 350,253 86,720 81,818
Nebraska 405,442 4,782 75,919 32,888 605,322 111,494 176,944
Nevada 471,630 25,982 115,627 47,151 1,035,589 232,189 166,978
New Hampshire 225,583 6,043 65,237 20,046 357,599 73,187 62,212
New Jersey 2,636,970 43,410 578,093 237,288 4,255,363 739,428 609,818
New Mexico 296,994 6,445 96,200 17,413 461,361 102,005 95,937
New York 5,171,690 64,658 1,789,552 305,055 13,932,617 1,870,666 1,458,278
North Carolina 1,542,422 27,691 225,064 155,442 2,597,867 605,891 663,093
North Dakota 5,494 14 11,870 20,143 315,224 79,145 72,395
Ohio 21,336 83,740 287,366 163,471 2,883,766 782,127 525,479
Oklahoma 642,274 12,798 124,487 49,824 967,431 350,710 402,778
Oregon 791,763 10,100 125,590 69,929 1,150,982 287,436 181,703
Pennsylvania 2,570,878 37,568 911,700 174,784 4,610,902 863,288 622,338
Rhode Island 230,626 2,194 43,808 15,079 451,213 86,809 95,514
South Carolina 860,269 12,585 98,098 88,147 1,233,431 746,608 432,198
South Dakota 193,948 2,036 20,823 18,850 237,362 100,278 84,458
Tennessee 824,691 19,757 297,768 102,575 1,953,670 594,593 465,755
Texas 2,607,107 25,794 570,396 512,444 10,942,429 4,228,158 4,358,597
Utah 517,784 4,519 94,817 71,540 1,031,827 203,739 127,802
Vermont 195,382 2,621 24,212 9,028 193,800 44,005 30,101
Virginia 996,533 22,698 255,435 83,209 2,460,320 452,292 382,871
Washington 18,785 35,680 250,173 105,951 2,371,260 546,685 371,590
West Virginia 251,931 7,689 80,531 11,697 304,613 87,787 57,844
Wisconsin 1,890,200 10,560 109,717 133,317 1,725,084 425,315 319,227
Wyoming 7,060 82 24,779 8,322 226,646 48,231 44,148
United States $57,178,405 $1,221,393 $12,896,433 $5,449,910 $120,503,460 $30,468,670 $30,150,283

(1) Includes some state funds.

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

Direct Premiums Written, Property/Casualty Insurance, By State By Line, 2024 (1)

($000)
  Private passenger auto Commercial auto      
State Liability Coll./Comp. Liability Coll./Comp. Homeowners
multiple peril		 Farmowners
multi peril		 Commercial
multi peril
Alabama $2,654,869 $2,416,934 $733,509 $261,055 $2,922,403 $106,082 $1,011,240
Alaska 355,408 307,981 88,352 32,405 239,253 932 116,059
Arizona 4,977,448 3,498,504 1,043,222 273,054 3,398,447 24,579 1,012,360
Arkansas 1,526,061 1,576,674 460,437 189,214 1,656,230 132,107 567,094
California 22,160,877 21,421,154 6,917,419 1,545,480 15,476,643 241,747 7,420,049
Colorado 3,933,628 3,747,233 892,637 336,659 5,245,445 140,975 1,415,943
Connecticut 2,521,814 1,633,591 561,437 149,620 2,346,422 9,711 964,556
Delaware 819,872 460,213 182,837 41,299 471,535 10,760 381,237
D.C. 250,903 223,501 57,784 12,738 243,571 0 240,928
Florida 23,176,007 10,472,047 5,758,866 827,306 18,472,514 27,445 4,062,548
Georgia 9,871,394 4,948,640 2,259,127 501,779 5,665,875 188,814 1,832,222
Hawaii 472,385 460,117 120,554 36,327 568,246 0 313,667
Idaho 885,353 815,194 253,403 127,622 854,110 96,494 402,766
Illinois 5,677,564 5,323,928 2,173,570 718,790 6,330,248 284,133 2,672,416
Indiana 2,819,309 2,714,003 949,669 402,741 3,243,315 267,286 1,307,328
Iowa 1,143,177 1,514,036 432,381 288,013 1,538,729 367,416 723,258
Kansas 1,350,399 1,423,325 367,369 213,730 1,846,478 358,824 617,255
Kentucky 2,415,124 1,739,847 559,840 198,442 1,948,395 239,544 826,977
Louisiana 3,461,999 2,503,163 1,049,544 191,219 3,234,731 17,817 844,045
Maine 514,724 584,998 159,847 85,738 664,813 8,370 385,861
Maryland 4,204,272 3,126,063 828,748 265,277 3,241,847 40,289 954,015
Massachusetts 3,909,396 3,472,545 1,035,234 398,886 3,756,336 5,825 1,957,683
Michigan 5,757,986 5,635,289 1,103,080 533,751 4,279,089 194,542 1,686,144
Minnesota 2,593,673 2,972,818 655,800 375,675 4,030,901 230,092 1,187,747
Mississippi 1,406,533 1,380,841 476,515 162,859 1,613,409 60,443 548,812
Missouri 3,105,792 2,958,832 831,392 372,510 3,423,476 272,869 1,267,543
Montana 519,309 634,311 177,294 113,469 715,777 123,948 317,054
Nebraska 955,708 1,009,752 295,037 198,442 1,451,438 434,520 520,307
Nevada 2,866,308 1,273,540 713,639 101,229 1,041,721 10,041 549,684
New Hampshire 573,063 645,452 161,762 71,130 660,838 4,048 381,389
New Jersey 7,000,069 3,842,338 2,223,721 368,531 4,114,286 4,578 2,231,148
New Mexico 1,177,422 927,105 304,278 96,452 935,370 37,355 347,466
New York 12,273,128 7,447,328 3,794,882 559,064 8,318,509 62,375 5,813,074
North Carolina 4,524,712 4,961,864 1,324,763 498,537 4,806,091 82,289 1,605,762
North Dakota 279,374 413,331 125,978 110,643 352,022 181,367 226,309
Ohio 4,492,758 4,620,672 1,380,897 547,651 4,683,985 233,869 1,958,114
Oklahoma 2,001,727 1,963,218 591,615 254,276 2,698,980 251,362 811,140
Oregon 2,603,928 1,651,119 535,027 183,754 1,632,542 108,825 795,846
Pennsylvania 5,828,304 6,189,393 1,756,466 717,453 5,268,796 139,552 2,618,999
Rhode Island 758,124 476,204 146,517 45,922 688,172 601 259,265
South Carolina 4,296,704 2,490,106 777,724 221,450 3,107,784 24,713 976,351
South Dakota 342,901 545,047 126,869 113,536 506,756 211,779 262,005
Tennessee 3,417,140 3,341,531 897,699 388,907 3,553,650 218,158 1,296,408
Texas 19,626,638 15,764,423 6,746,939 1,624,588 19,238,720 585,043 5,293,921
Utah 2,161,427 1,334,806 498,278 164,937 1,253,681 26,120 505,305
Vermont 207,658 293,828 71,468 41,182 302,292 19,797 202,623
Virginia 4,868,780 3,820,206 935,463 340,566 3,977,482 114,964 1,312,668
Washington 4,705,685 3,400,892 955,120 309,445 3,424,707 108,367 1,341,221
West Virginia 777,584 861,976 178,274 77,269 608,718 22,144 298,039
Wisconsin 2,156,242 2,448,335 668,599 437,713 2,443,298 287,840 1,146,388
Wyoming 232,551 369,624 96,206 59,944 397,269 44,684 164,395
United States $200,613,210 $158,057,873 $55,437,088 $16,188,280 $172,895,344 $6,665,435 $65,954,633

(1) Includes some state funds.

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

Direct Premiums Written, P/C Insurance By State, 2024 (1)

($000)
State Total, all lines State Total, all lines
Alabama $14,252,695 Montana $4,140,881
Alaska 2,153,409 Nebraska 8,224,894
Arizona 19,954,849 Nevada 9,600,843
Arkansas 8,916,623 New Hampshire 3,673,409
California 125,167,169 New Jersey 31,667,233
Colorado 22,687,265 New Mexico 5,524,157
Connecticut 12,745,057 New York 69,112,965
D.C. 2,824,398 North Carolina 26,408,439
Delaware 4,200,283 North Dakota 3,834,856
Florida 95,631,126 Ohio 25,494,910
Georgia 35,648,351 Oklahoma 12,284,211
Hawaii 3,974,466 Oregon 11,481,925
Idaho 5,282,288 Pennsylvania 35,322,067
Illinois 39,262,769 Rhode Island 3,692,724
Indiana 17,738,412 South Carolina 16,908,051
Iowa 10,614,474 South Dakota 4,075,664
Kansas 10,228,125 Tennessee 19,338,788
Kentucky 11,157,869 Texas 102,822,631
Louisiana 17,877,430 Utah 8,983,136
Maine 3,603,568 Vermont 1,807,874
Maryland 17,888,933 Virginia 22,281,374
Massachusetts 23,086,817 Washington 20,896,191
Michigan 26,884,264 West Virginia 3,919,990
Minnesota 18,906,625 Wisconsin 15,927,074
Mississippi 8,166,161 Wyoming 2,010,445
Missouri 18,703,069 United States $1,046,991,227

(1) Before reinsurance transactions, includes state funds, excludes territories.
(2) Data for the total United States may differ from similar data shown elsewhere due to the use of different exhibits from S&P Global Market Intelligence.

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

Net Premiums Written By Line, Property/Casualty Insurance, 2022-2024 (1)

($ millions)
        Percent change from prior year  
Lines of insurance 2022 2023 2024 2022 2023 2024 Percent of
total, 2024
Private passenger auto $268,047,120 $306,585,704 $345,889,358 6.0% 14.4% 12.8% 37.1%
     Liability 155,139,607 173,192,135 193,445,830 4.5 11.6 11.7 20.7
     Collision and comprehensive 112,907,513 133,393,569 152,443,528 8.1 18.1 14.3 16.3
Commercial auto 51,657,384 55,793,551 61,801,379 10.9 8.0 10.8 6.6
     Liability 39,382,484 42,508,586 47,142,789 11.0 7.9 10.9 5.1
     Collision and comprehensive 12,274,900 13,284,965 14,658,590 10.4 8.2 10.3 1.6
Homeowners multiple peril 113,869,764 127,993,230 145,689,078 10.1 12.4 13.8 15.6
Farmowners multiple peril 5,636,129 6,292,504 6,864,149 5.5 11.6 9.1 0.7
Commercial multiple peril 48,416,980 54,608,768 58,279,674 10.7 12.8 6.7 6.2
Workers compensation 47,547,324 48,022,852 46,299,239 10.2 1.0 -3.6 5.0
Excess workers compensation 965,606 952,417 1,060,690 3.9 -1.4 11.4 0.1
Medical professional liability 10,576,645 11,039,347 11,745,303 5.7 4.4 6.4 1.3
Product liability 4,286,152 4,448,950 4,532,902 20.4 3.8 1.9 0.5
Other liability (2) 94,187,764 95,619,809 98,777,087 11.3 1.5 3.3 10.6
Fire 16,467,037 20,955,396 23,650,777 5.8 27.3 12.9 2.5
Allied lines  15,653,506 19,424,936 19,996,360 6.0 24.1 2.9 2.1
Inland marine 21,241,995 22,675,238 20,147,544 20.6 6.7 -11.1 2.2
Ocean marine 4,129,969 4,653,760 4,726,136 5.9 12.7 1.6 0.5
Surety 8,237,722 9,318,436 10,181,186 15.9 13.1 9.3 1.1
Fidelity 1,373,409 1,368,115 1,307,590 0.6 -0.4 -4.4 0.1
Burglary and theft 553,100 531,747 551,040 29.4 -3.9 3.6 0.1
Boiler and machinery 3,641,220 4,276,518 4,556,698 8.1 17.4 6.6 0.5
Financial guaranty 332,216 291,859 321,764 -10.8 -12.1 10.2 (7)
Aircraft 1,896,339 2,036,220 1,978,564 11.8 7.4 -2.8 0.2
Earthquake 3,059,133 3,705,470 3,734,779 5.7 21.1 0.8 0.4
Federal flood (6) -541 -535 1,851 -103.2 -1.1 -446.0 (7)
Private Flood 774,279 803,069 729,954 47.7 3.7 -9.1 0.1
Credit 2,157,639 2,344,169 2,673,700 18.2 8.6 14.1 0.3
Warranty 1,238,289 1,188,054 1,294,077 -13.2 -4.1 8.9 0.1
Accident and health (4) 9,516,256 9,356,250 9,540,001 -1.2 -1.7 2.0 1.0
Multiple peril crop 10,261,858 10,329,976 8,850,296 37.7 0.7 -14.3 0.9
Private crop 1,015,832 928,202 1,071,980 42.8 -8.6 15.5 0.1
Mortgage guaranty 4,274,086 4,227,993 4,250,397 -8.8 -1.1 0.5 0.5
International 305,604 548,368 903,824 -94.3 79.4 64.8 0.1
Reinsurance (3) 24,032,117 25,526,665 25,439,539 16.5 6.2 -0.3 2.7
Pet insurance (9) (9) 3,998,751 (9) (9) (9) 0.4
Other lines (5) 1,341,331 1,526,536 1,637,829 258.6 13.8 7.3 0.2
Total, all lines (8)   776,693,264 857,373,574 932,483,496 8.5% 10.4% 8.8% 100.0%

(1) After reinsurance transactions, excludes state funds.
(2) Coverages protecting against legal liability resulting from negligence, carelessness or failure to act.
(3) Only includes nonproportional reinsurance, an arrangement in which a reinsurer makes payments to an insurer whose losses exceed a predetermined amount.
(4) Premiums from certain insurers that write health insurance but file financial statements with state regulators on a property/casualty basis.
(5) Includes miscellaneous coverages.
(6) Provided by FEMA through participating private insurers.
(7) Less than 0.1 percent.
(8) May not match total premiums shown elsewhere in this book because of the use of different exhibits from SNL Financial LC.
(9) Reporting for pet insurance was separated from inland marine beginning in 2024.

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

Domestic Insurance Companies By State, Property/Casualty And Life/Annuities, 2022

State Property/casualty Life/annuities State Property/casualty Life/annuities
Alabama 19 8 Montana 14 2
Alaska 4 0 Nebraska 51 32
Arizona 53 30 Nevada 11 0
Arkansas 13 17 New Hampshire 47 0
California 90 16 New Jersey 64 3
Colorado 10 15 New Mexico 20 0
Connecticut 64 26 New York 165 78
Delaware 102 26 North Carolina 55 11
D.C 5 0 North Dakota 14 3
Florida 110 10 Ohio 148 40
Georgia 22 14 Oklahoma 36 23
Hawaii 15 4 Oregon 16 2
Idaho 10 1 Pennsylvania 140 20
Illinois 197 49 Rhode Island 20 1
Indiana 58 24 South Carolina 20 6
Iowa 73 34 South Dakota 16 2
Kansas 21 11 Tennessee 29 16
Kentucky 9 8 Texas 212 124
Louisiana 33 27 Utah 12 16
Maine 11 3 Vermont 11 1
Maryland 19 4 Virginia 19 2
Massachusetts 47 16 Washington 5 5
Michigan 64 20 West Virginia 22 1
Minnesota 39 8 Wisconsin 153 18
Mississippi 17 12 Wyoming 2 0
Missouri 49 28 United States (1) 2,456 817

(1) Excludes territories. Excludes health insurers, risk retention groups, fraternals, title and other insurers.

Source: 2022 Insurance Department Resources Report, published by the National Association of Insurance Commissioners (NAIC). Reprinted with permission. Further reprint or redistribution strictly prohibited without written permission of NAIC.

First Quarter 2008 Financial Results*

($ Billions)
  $
Net Earned Premiums $110.5
Incurred Losses (Including loss adjustment expenses) 78.6
Expenses 32.1
Policyholder Dividends 0.4
Net Underwriting Gain (Loss) -0.6
Investment Income 12.7
Other Items 0.2
Pre-Tax Operating Gain 12.3
Realized Capital Gains (Losses) -0.5
Pre-Tax Income 11.8
Taxes 3.6
Net After-Tax Income $8.2
Surplus (End of Period) $515.6
Combined Ratio 99.9**

*Figures may not add to totals due to rounding. Calculations in text based on unrounded figures.
**Includes mortgage and financial guarantee insurers.  Excluding these insurers the combined ratio was 96.7.

Identity Theft By State, 2024

State Reports per 100,000
population (1)		 Number of
reports		 Rank (2), (3) State Reports per 100,000
population (1)		 Number of
reports		 Rank (2), (3)
Alabama 269 13,596 16 Nebraska 130 2,554 40
Alaska 106 780 48 Nevada 466 14,631 3
Arizona 287 20,863 15 New Hampshire 150 2,079 34
Arkansas 209 6,340 25 New Jersey 313 29,037 11
California 356 139,665 7 New Mexico 150 3,171 34
Colorado 208 12,087 26 New York 295 58,692 12
Connecticut 236 8,502 21 North Carolina 259 27,466 19
Delaware 392 3,942 5 North Dakota 119 924 46
Florida 528 115,840 1 Ohio 236 27,766 21
Georgia 517 55,955 2 Oklahoma 169 6,747 29
Hawaii 138 1,990 38 Oregon 163 6,896 31
Idaho 125 2,367 43 Pennsylvania 290 37,717 14
Illinois 339 43,028 9 Rhode Island 264 2,896 18
Indiana 198 13,471 27 South Carolina 291 15,146 13
Iowa 123 3,919 44 South Dakota 94 845 50
Kansas 154 4,518 33 Tennessee 212 14,829 24
Kentucky 142 6,396 37 Texas 393 116,484 4
Louisiana 346 15,991 8 Utah 157 5,224 32
Maine 127 1,746 41 Vermont 101 651 49
Maryland 324 19,990 10 Virginia 213 18,460 23
Massachusetts 388 27,141 6 Washington 169 13,068 29
Michigan 237 23,783 20 West Virginia 113 2,017 47
Minnesota 127 7,280 41 Wisconsin 149 8,798 36
Mississippi 268 7,903 17 Wyoming 120 697 45
Missouri 187 11,535 28 D.C. 480 3,225  
Montana 131 1,447 39 Puerto Rico 51 1,649  

(1) Population figures are based on the 2023 U.S. Census population estimates.
(2) States ranked per complaints per 100,000 population. States with the same number of complaints per 100,000 population receive the same rank.
(3) Excludes the District of Columbia and Puerto Rico.

Source: Federal Trade Commission, Consumer Sentinel Network.

Top Five Types of Identity Theft, 2024 (1)

Type of identity theft Number of reports Percent of total top five
Credit card fraud-new accounts 406,110 43.9%
Miscellaneous identity theft (2) 299,201 32.4
Loan fraud-business/personal loan 95,689 10.4
Bank fraud-new accounts 62,982 6.8
Loan fraud-auto loan/lease 60,188 6.5
Total, top five 924,170 100.0%

(1) Consumers can report multiple types of identity theft. In 2024, 14 percent of identity theft reports included more than one type of identity theft.
(2) Includes online shopping and payment account fraud, email and social media fraud, and medical services, insurance and securities account fraud, and other identity theft.

Source: Federal Trade Commission, Consumer Sentinel Network.

Top 10 Commercial Insurance Brokers Of U.S. Business By Revenue, 2024 (1)

($ millions)
Rank Company Brokerage revenues
1 Marsh & McLennan Cos. Inc. (2), (3) $12,666
2 Aon PLC (2), (4) 7,497
3 Arthur J. Gallagher & Co. (2) 7,092
4 Willis Towers Watson PLC 5,064
5 Alliant Insurance Services Inc. (2) 4,970
6 Brown & Brown Inc. (2) 4,037
7 Hub International Ltd. (2) 3,814
8 Acrisure LLC 3,482
9 Lockton Cos. LLC (2), (5) 2,875
10 AssuredPartners Inc. (2) 2,810

(1) Companies that derive more than 49 percent of revenues from personal lines are not ranked.
(2) Reported U.S. acquisitions in 2024.
(3) Reported acquisition of McGriff Insurance Services November 15, 2024.
(4) Report acquisition of NFP Corp. April 24, 2024.
(5) Fiscal year ending April 30, 2024.

Source: Business Insurance (www.businessinsurance.com), June/July 2025.

Top 10 Global Insurance Brokers By Revenues, 2024 (1)

(US$ millions)
Rank Company Brokerage revenues Country
1 Marsh & McLennan Cos. Inc. (2) $25,331 United States
2 Aon PLC (3) 15,382 Ireland
3 Arthur J. Gallagher & Co.  11,082 United States
4 Willis Towers Watson PLC  9,739 United Kingdom
5 Alliant Insurance Services, Inc. 4,996 United States
6 Hub International Ltd.  4,768 United States
7 Brown & Brown Inc. 4,705 United States
8 Acrisure LLC 3,953 United States
9 Lockton Cos. LLC (2) (4) 3,938 United States
10 Howden Insurance Brokers Ltd. (5) 3,773 United Kingdom

(1) Revenue generated by insurance brokerage and related services.
(2) Acquisition of McGriff Insurance Services November 15, 2024.
(3) Acquisition of NFP Corp. April 24, 2024.
(4) Fiscal year ending April 30, 2024.
(5) Fiscal year ending September 30, 2024

Source: Business Insurance (www.businessinsurance.com), June/July 2025.

Top 10 Private Industry Occupations With The Largest Number Of Injuries And Illnesses, 2021-2022

Rank Occupation Number (1) Percent of total
1 Service 538,380 24.0%
2 Transportation and material moving 503,610 22.4
3 Production 223,840 10.0
4 Healthcare practitioners and technical 223,680 10.0
5 Installation, maintenance, and repair 163,140 7.3
6 Sales and related 146,310 6.5
7 Construction and extraction 136,570 6.1
8 Office and administrative support 101,970 4.5
9 Management, business, and financial 101,460 4.5
10 Education, legal, community service, arts, and media 54,400 2.4
  Total top 10 2,193,360 97.6%
  Total all occupations 2,246,900 100.0%

(1) Cases with days away from work.

Source: U.S. Department of Labor, Bureau of Labor Statistics.

Investments, Property/Casualty Insurers, 2022-2024 (1)

($ millions, end of year)
  Amount Percent of total investments
Investment type 2022 2023 2024 2022 2023 2024
Bonds $1,221,400 $1,277,446 $1,347,623 55.6% 54.5% 54.7%
Stocks $593,849 $663,845 $614,457 27.0% 28.3% 25.0%
     Preferred 16,440 15,173 15,192 0.7 0.6 0.6
     Common 577,409 648,672 599,265 26.3 27.7 24.3
Mortgage loans on real estate $29,372 $31,976 $31,541 1.3% 1.4% 1.3%
     First liens 28,752 31,182 30,990 1.3 1.3 1.3
     Other than first liens 620 794 551 (2) (2) (2)
Real estate $13,017 $12,686 $12,562 0.6% 0.5% 0.5%
     Properties occupied by company 8,499 8,086 8,071 0.4 0.3 0.3
     Properties held for income production 4,153 4,084 3,885 0.2 0.2 0.2
     Properties held for sale 365 516 606 (2) (2) (2)
Cash, cash equivalent and short-term investments 156,156 194,974 285,743 7.1 8.3 11.6
Derivatives 1,288 2,446 1,910 0.1 0.1 0.1
Other invested assets 174,181 150,483 159,356 7.9 6.4 6.5
Receivable for securities 2,834 2,472 1,866 0.1 0.1 0.1
Securities lending reinvested collateral assets 6,051 5,570 6,216 0.3 0.2 0.3
Aggregate write-in for invested assets -539 756 572 (2) (2) (2)
Total cash and invested assets $2,197,611 $2,342,655 $2,461,846 100.0% 100.0% 100.0%

(1) Includes cash and net admitted assets of property/casualty insurers.
(2) Less than 0.1 percent.

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

Top 10 Global Property/Casualty Insurance Companies By Revenues, 2011 (1)

($ millions)
Rank Company Revenues Country
1 Berkshire Hathaway $143,688 U.S.
2 Allianz 134,168 Germany
3 Munich Re Group 90,137 Germany
4 American International Group 71,730 U.S.
5 State Farm Insurance Cos. 64,305 U.S.
6 Zurich Insurance Group 52,983 Switzerland
7 MS&AD Insurance Group Holdings 47,684 Japan
8 Tokio Marine Holdings  43,264 Japan
9 People’s Insurance Co. of China 36,549 China
10 NKSJ Holdings 35,343 Japan

(1) Based on an analysis of companies in the Global Fortune 500. Includes stock and mutual companies.

Source: Fortune.

Top 10 Global Insurance Companies By Revenues, 2024 (1)

(US$ millions)
Rank Company Revenues Country Industry
1 Berkshire Hathaway $371,433 United States Property/casualty
2 China Life Insurance 160,277 China Life/health
3 Ping An Insurance 158,627 China Life/health
4 Allianz 123,148 Germany Life/health
5 State Farm Insurance 122,951 United States Property/casualty
6 Life Insurance Corp. of India 104,971 India Life/health
7 AXA 98,686 France Life/health
8 People’s Insurance Co. of China 86,478 China Property/casualty
9 Progressive 75,372 United States Property/casualty
10 Japan Post Holdings 75,230 Japan Life/health

(1) Based on an analysis of companies in the Global Fortune 500. Includes stock and mutual companies.

Source: Fortune.

World Aviation Accidents, 2020-2024 (1)

  Accidents  
Year Total Fatal Fatalities Accident rate (2)
2020 34 4 125 1.51
2021 30 7 121 1.20
2022 43 8 158 1.34
2023 42 1 72 1.09
2024 46 7 244 1.13

(1) On Eastern and Western built jet aircraft.
(2) Includes accidents for all aircraft (jets and turboprops) for substantial damage and hull loss per million sectors.

Source: International Air Transport Association (IATA).

Number Of Captives, 2015-2024

Year Number of captives
2015 6,851
2016 6,700
2017 6,454
2018 6,359
2019 6,160
2020 5,879
2021 6,074
2022 6,093
2023 6,179
2024 6,290

Source: Business Insurance Survey, Business Insurance, April 2025.

Life And Nonlife Insurance Direct Premiums Written By Country, 2023 (1)

(US$ millions)
      Total premiums
Country Nonlife premiums (2) Life premiums Amount Percent of total
world premiums
Algeria $130 $1,061 $1,191 0.02%
Argentina 1,621 8,695 10,316 0.14
Australia 15,603 58,049 73,652 1.02
Austria 5,553 16,440 21,993 0.31
Bahrain 95 675 770 0.01
Belgium 18,427 20,796 39,223 0.55
Bolivia 344 486 830 0.01
Brazil 44,790 39,698 84,488 1.18
Canada 70,319 100,201 170,520 2.37
Chile 7,253 6,044 13,297 0.19
Columbia 5,433 7,892 13,325 0.19
Costa Rica 383 1,533 1,916 0.03
Cote d Ivoire 417 338 755 0.01
Czech Republic 2,575 7,123 9,698 0.13
Denmark 32,988 11,386 44,374 0.62
Dominican Republic 336 1,730 2,066 0.03
Ecuador 673 1,530 2,203 0.03
Egypt 1,246 1,305 2,551 0.04
Finland 24,305 5,586 29,891 0.42
France 170,098 112,702 282,800 3.94
Germany 93,325 152,139 245,464 3.42
Greece 2,666 3,102 5,768 0.08
Guatemala 354 1,080 1,434 0.02
Hong Kong 56,740 8,951 65,691 0.91
Hungary 1,579 2,650 4,229 0.06
India 100,185 35,773 135,958 1.89
Indonesia 10,576 7,778 18,354 0.26
Ireland 19,830 9,722 29,552 0.41
Israel 10,743 10,564 21,307 0.30
Italy 110,549 48,892 159,441 2.22
Japan 277,198 85,521 362,719 5.05
Jordan 195 854 1,049 0.01
Kenya 1,141 1,348 2,489 0.03
Kuwait 138 1,536 1,674 0.02
Lebanon 28 232 260 (3)
Luxembourg 20,547 17,769 38,316 0.53
Malaysia 14,566 5,671 20,237 0.28
Mexico 19,779 25,283 45,062 0.63
Morocco 2,551 2,968 5,519 0.08
Namibia 733 240 973 0.01
Netherlands 12,926 80,223 93,149 1.30
New Zealand 1,059 7,939 8,998 0.13
Nigeria 616 691 1,307 0.02
Norway 13,291 10,156 23,447 0.33
Oman 180 1,288 1,468 0.02
Pakistan 1,590 975 2,565 0.04
Panama 433 1,432 1,865 0.03
Paraguay 83 394 477 0.01
Peru 2,886 2,708 5,594 0.08
Philippines 5,277 2,480 7,757 0.11
Poland 3,474 14,405 17,879 0.25
Portugal 5,579 7,205 12,784 0.18
PR China 390,400 333,264 723,664 10.07
Qatar N/A 2,231 2,231 0.03
Russia 8,167 14,144 22,311 0.31
Saudi Arabia 684 16,772 17,456 0.24
Singapore 30,040 13,128 43,168 0.60
South Africa 34,833 8,520 43,353 0.60
South Korea 84,364 101,552 185,916 2.59
Spain 39,933 43,509 83,442 1.16
Sweden 33,821 10,380 44,201 0.62
Switzerland 25,370 35,817 61,187 0.85
Taiwan 53,956 24,121 78,077 1.09
Thailand 14,349 12,030 26,379 0.37
Tunisia 333 831 1,164 0.02
Turkey 2,299 16,917 19,216 0.27
United Arab Emirates 1,824 12,743 14,567 0.20
United Kingdom 236,941 137,995 374,936 5.22
United States 714,859 2,511,826 3,226,685 44.90
Uruguay 1,098 1,171 2,269 0.03
Vietnam 6,551 2,896 9,447 0.13
Yemen 14 296 310 (3)
Other Countries 15,756 41,794 57,550 0.80
World (4) $2,888,998 $4,297,176 $7,186,174 100.00%

(1) Before reinsurance transactions. For more information on country data see www.swissre.com.
(2) Includes accident and health insurance.
(3) Less than 0.00 percent.
(4) Totals may not add up due to rounding.

Source: Swiss Re Institute, sigma 3/2024.

Top 10 Writers Of Annuities By Direct Premiums Written, 2024

($000)
Rank Group/company Direct premiums written (1) Market share (2)
1 Athene Holding Ltd.  $37,307,302 7.2%
2 Prudential Financial Inc. 29,586,335 5.7
3 Corebridge Financial 28,430,829 5.5
4 Massachusetts Mutual Life Insurance Co.  27,671,271 5.3
5 Nationwide Mutual Group  23,974,031 4.6
6 Equitable Holdings 23,445,513 4.5
7 Allianz 22,230,820 4.3
8 New York Life 21,359,759 4.1
9 Lincoln National Corp.  19,785,253 3.8
10 TIAA 18,034,025 3.5

(1) Includes individual and group annuities.
(2) Based on U.S. total, excluding territories

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

Top 10 Writers Of Group Annuities By Direct Premiums Written, 2024

($000)
Rank Group/company Direct premiums written Market share (1)
1 Prudential Financial Inc. $17,618,904 17.3%
2 Voya Financial Inc.  12,372,762 12.1
3 TIAA 12,338,491 12.1
4 MetLife Inc.  7,894,047 7.7
5 Nationwide Mutual Group  6,453,308 6.3
6 Lincoln National Corp.  5,339,744 5.2
7 One America Financial Partners  4,482,012 4.4
8 Massachusetts Mutual Life Insurance Co.  3,689,959 3.6
9 Equitable Holdings 3,651,633 3.6
10 Principal Financial Group Inc. 3,058,002 3.0

(1) Based on U.S. total, excluding territories.

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

Life/Annuity Insurers Direct Premiums Written And Annuity Considerations By State, 2024 (1)

($ millions)
State Life insurance Annuities Accident and
health insurance (2)		 Deposit-type
contract funds		 Other
considerations		 Total
Alabama $2,740 $5,782 $3,638 $282 $497 $12,940
Alaska 994 650 334 38 309 2,326
Arizona 4,137 13,973 4,907 542 1,541 25,101
Arkansas 1,417 2,817 1,305 139 294 5,972
California 21,753 49,687 18,749 3,322 12,718 106,227
Colorado 3,433 8,558 5,653 7,204 1,239 26,086
Connecticut 2,850 9,048 5,045 3,206 1,081 21,229
Delaware 2,122 6,182 1,047 108,662 233 118,246
D.C. 522 1,010 1,189 818 187 3,726
Florida 13,174 42,016 18,932 2,120 2,365 78,608
Georgia 6,826 12,029 9,182 2,998 2,670 33,705
Hawaii 1,358 2,634 872 85 388 5,337
Idaho 816 2,182 774 144 488 4,404
Illinois 7,913 19,720 9,916 11,013 3,214 51,776
Indiana 3,654 9,643 5,566 2,905 1,065 22,834
Iowa 3,192 5,983 1,697 13,783 6,009 30,664
Kansas 1,707 3,658 4,491 3,551 344 13,751
Kentucky 1,921 5,445 2,159 258 518 10,301
Louisiana 2,723 7,027 3,424 418 712 14,305
Maine 538 2,199 1,192 103 207 4,239
Maryland 3,623 9,341 4,932 959 1,187 20,043
Massachusetts 4,550 13,989 6,225 1,909 4,152 30,826
Michigan 5,357 19,135 4,926 1,627 1,228 32,272
Minnesota 5,154 10,909 2,790 1,000 1,647 21,500
Mississippi 1,523 2,810 2,334 113 183 6,964
Missouri 3,491 9,992 5,553 2,685 929 22,650
Montana 528 1,022 557 101 309 2,517
Nebraska 1,282 3,292 1,854 912 262 7,602
Nevada 1,704 3,630 1,920 704 800 8,758
New Hampshire 779 3,604 1,039 100 230 5,753
New Jersey 7,838 23,398 11,229 2,812 1,586 46,862
New Mexico 818 1,758 926 125 383 4,010
New York 13,631 33,255 16,542 111,356 5,871 180,654
North Carolina 6,265 17,332 7,861 690 885 33,032
North Dakota 596 1,737 390 371 196 3,290
Ohio 6,470 21,763 8,858 33,014 1,570 71,674
Oklahoma 1,724 3,386 1,834 259 474 7,677
Oregon 1,477 4,393 2,564 408 1,802 10,644
Pennsylvania 7,561 27,339 11,222 2,638 2,280 51,040
Rhode Island 593 2,382 633 115 123 3,845
South Carolina 2,950 8,326 3,744 353 379 15,753
South Dakota 2,586 1,573 529 138 597 5,423
Tennessee 4,116 9,815 5,878 1,403 1,601 22,812
Texas 16,166 36,260 21,156 3,292 4,509 81,382
Utah 1,753 4,890 2,036 2,182 3,633 14,493
Vermont 286 1,450 409 61 140 2,346
Virginia 5,072 11,820 6,641 1,107 929 25,568
Washington 3,550 9,379 4,415 417 2,416 20,177
West Virginia 735 2,351 984 198 165 4,434
Wisconsin 3,466 10,248 5,104 9,950 1,153 29,923
Wyoming 436 722 463 35 91 1,746
United States $199,869 $521,543 $245,622 $342,625 $77,789 $1,387,447

(1) Direct premiums written before reinsurance transactions. Excludes territories, state funds, dividends and other nonstate specific data.
(2) Excludes accident and health premiums reported on property/casualty and health annual statements.

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

Investments, Life/Annuity Insurers, 2022-2024 (1)

($ billions, end of year)
  Amount Percent of total investments
Investment type 2022 2023 2024 2022 2023 2024
Bonds  $3,617.6 $3,644.5 $3,787.6 69.61% 68.14% 67.38%
Stocks $126.0 $131.7 $135.9 2.42% 2.46% 2.42%
     Preferred stock  17.1 17.6 18.5 0.33 0.33 0.33
     Common stock  108.9 114.1 117.4 2.09 2.13 2.09
Mortgage loans on real estate $694.4 $733.0 $786.3 13.36% 13.71% 13.99%
     First lien real estate mortgage loans  685.1 723.6 775.7 13.18 13.53 13.80
     Real estate loans less first liens  9.3 9.4 10.7 0.18 0.18 0.19
Real estate $22.6 $22.7 $21.9 0.43% 0.42% 0.39%
     Occupied properties  5.7 5.4 5.3 0.11 0.10 0.09
     Income generating properties  16.6 16.8 15.8 0.32 0.31 0.28
     Properties for sale  0.3 0.5 0.8 0.01 0.01 0.01
Cash, cash equivalent and short term investments  143.0 189.1 196.4 2.75 3.54 3.49
Contract loans including premium notes  131.4 138.5 147.1 2.53 2.59 2.62
Derivatives 95.4 102.0 121.6 1.84 1.91 2.16
Other invested assets  320.4 340.9 368.3 6.17 6.37 6.55
Receivables for securities  9.9 8.7 9.7 0.19 0.16 0.17
Securities lending reinvested collateral assets 14.3 15.4 24.5 0.27 0.29 0.44
Write-ins for invested assets  21.8 22.1 21.3 0.42 0.41 0.38
Total cash and invested assets  $5,196.8 $5,348.5 $5,620.8 100.0% 100.0% 100.0%

(1) Data are net admitted assets of life/annuity insurers.

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

Top 10 Writers Of Life/Annuity Insurance By Direct Premiums Written, 2024

($000)
Rank Group/company Direct premiums written (1) Market share (2)
1 MetLife Inc. $97,725,650 8.6%
2 Equitable Holdings 94,384,263 8.3
3 Prudential Financial Inc. 64,963,495 5.7
4 New York Life Insurance Group 57,766,004 5.1
5 Athene Holding Ltd. 51,272,045 4.5
6 Massachusetts Mutual Life Insurance Co. 46,729,824 4.1
7 Corebridge Financial 38,215,904 3.4
8 Nationwide 35,558,199 3.1
9 Western & Southern Financial 35,141,556 3.1
10 Pacific Life 34,094,894 3.0

(1) Includes life insurance, annuity considerations, deposit-type contract funds and other considerations; excludes accident and health insurance. Before reinsurance transactions.
(2) Based on U.S. total, excluding territories.

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

Top 10 Writers Of Property/Casualty Insurance By Direct Premiums Written, 2024

($000)
Rank Group/company Direct premiums written (1) Market share (2)
1 State Farm $108,976,155 10.4%
2 Progressive 75,884,809 7.3
3 Berkshire Hathaway Inc. 62,297,165 6.0
4 Allstate Corp. 55,859,006 5.3
5 Liberty Mutual 42,753,028 4.1
6 Travelers Companies Inc. 41,852,540 4.0
7 USAA Insurance Group 36,093,612 3.5
8 Chubb Ltd. 32,292,201 3.1
9 Farmers Insurance Group of Companies 28,288,709 2.7
10 Zurich 18,478,052 1.8

(1) Before reinsurance transactions, includes state funds.
(2) Based on U.S. total, excluding territories.

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

Top 10 Global Insurance-Related Mergers And Acquisitions Announced, 2024 (1)

($ millions)
Rank Buyer Target Sector Transaction value
1 Nippon Life (Japan) Resolution Life (Bermuda) Life $8,200
2 Rothesay Ltd. (U.K.) Scottish Widows (bulk annuity) (U.K.) Life 7,677
3 Sixth Street Partners (U.S.) Enstar (Bermuda) Property/casualty 5,100
4 Sampo (Finland) Topdanmark (Denmark) Property/casualty 4,800
5 Aviva (U.K.) Direct Line (Bermuda) Property/casualty 4,600
6 Health Care Service Corp. (U.S.) Cigna (Medicare Advantage) (U.S.) Health 3,700
7 StanCorp Financial (U.S.) Allstate (employer voluntary benefits) (U.S.) Life 2,000
8 Zurich (Switzerland) AIG (travel insurance) (U.S.) Property/casualty 600
9 Allianz Australia (Australia) Royal Automobile Assoc. of South Australia (Australia) Property/casualty 464
10 Arch Insurance North America (U.S.) Allianz Global (U.S. midcorp and entertainment) (U.S.) Property/casualty 450

Source: ©2025 Conning, Inc., 2024 Global Mergers & Acquisitons in the Insurance Industry. Used with permission.

World Life And Nonlife Insurance Direct Premiums Written, 2021-2023 (1)

(US$ millions)
Year Life Nonlife (2) Total
2021 $2,940,266 $3,824,428 $6,764,694
2022 2,813,032 3,969,203 6,782,235
2023 2,888,998 4,297,176 7,186,174

(1) Before reinsurance transactions.
(2) Includes accident and health insurance.

Source: Swiss Re Institute, sigma 3/2024 and database.

Top 10 Countries By Life And Nonlife Direct Premiums Written, 2023 (1)

(US$ millions)
        Total premiums
Rank Country Life premiums Nonlife premiums (2) Amount Percent change
from prior year		 Percent of total
world premiums
1 United States (3), (4), (5) $714,859 $2,511,826 $3,226,685 8.0% 44.9%
2 PR China  390,400 333,264 723,664 3.7 10.1
3 United Kingdom (5) 236,941 137,995 374,936 11.3 5.2
4 Japan (5), (6) 277,198 85,521 362,719 0.6 5.0
5 France (5) 170,098 112,702 282,800 9.3 3.9
6 Germany (5) 93,325 152,139 245,464 3.6 3.4
7 South Korea (5),(6) 84,364 101,552 185,916 -3.2 2.6
8 Canada (5), (7) 70,319 100,201 170,520 2.8 2.4
9 Italy (5) 110,549 48,892 159,441 3.2 2.2
10 India (5) (6) 100,185 35,773 135,958 4.8 1.9

(1) Before reinsurance transactions.
(2) Includes accident and health insurance.
(3) Nonlife premiums include private medical insurance.
(4) Nonlife premiums include state funds; life premiums are net premiums and are supplemented by estimated premiums for group pension business.
(5) Estimated or provisional.
(6) Financial year April 1, 2023 – March 31, 2024.
(7) Life premiums are net premiums.

Source: Swiss Re Institute, sigma, No. 3/2024.

Private Passenger Cars Insured In The Shared And Voluntary Markets, 2015

State Voluntary market Shared market Total Shared market as a percent of total
Alabama 3,807,469 1 3,807,470 (1)
Alaska 509,494 18 509,512 0.004%
Arizona 4,671,918 0 4,671,918 (1)
Arkansas 2,250,787 2 2,250,789 (1)
California 26,312,194 239 26,312,433 0.001
Colorado 4,187,782 0 4,187,782 (1)
Connecticut 2,532,825 81 2,532,906 0.003
Delaware 665,075 4 665,079 0.001
D.C. 256,184 65 256,249 0.025
Florida 12,740,030 90 12,740,120 0.001
Georgia 7,541,982 0 7,541,982 (1)
Hawaii 887,514 2,767 890,281 0.311
Idaho 1,358,875 1 1,358,876 (1)
Illinois 8,267,931 263 8,268,194 0.003
Indiana 4,881,984 3 4,881,987 (1)
Iowa 2,544,511 7 2,544,518 (1)
Kansas 2,344,275 1,644 2,345,919 0.070
Kentucky 3,256,990 352 3,257,342 0.011
Louisiana 3,029,199 5 3,029,204 (1)
Maine 1,050,156 5 1,050,161 (1)
Maryland 4,103,099 45,276 4,148,375 1.091
Massachusetts 4,382,442 59,907 4,442,349 1.349
Michigan 6,483,696 3,964 6,487,660 0.061
Minnesota 4,042,588 1 4,042,589 (1)
Mississippi 1,968,741 7 1,968,748 (1)
Missouri 4,411,371 3 4,411,374 (1)
Montana 891,195 7 891,202 0.001
Nebraska 1,594,471 1 1,594,472 (1)
Nevada 1,959,151 5 1,959,156 (1)
New Hampshire 952,617 134 952,751 0.014
New Jersey 5,562,788 17,096 5,579,884 0.306
New Mexico 1,589,949 0 1,589,949 (1)
New York 9,603,497 37,988 9,641,485 0.394
North Carolina 5,801,945 2,527,547 8,329,492 30.345
North Dakota 683,291 3 683,294 (1)
Ohio 8,451,516 0 8,451,516 (1)
Oklahoma 2,958,973 9 2,958,982 (1)
Oregon 2,835,071 3 2,835,074 (1)
Pennsylvania 8,875,394 6,171 8,881,565 0.069
Rhode Island 686,338 14,908 701,246 2.126
South Carolina 3,788,647 0 3,788,647 (1)
South Dakota 761,533 0 761,533 (1)
Tennessee 4,686,626 6 4,686,632 (1)
Texas (2) NA NA NA NA
Utah 2,022,667 1 2,022,668 (1)
Vermont 506,275 35 506,310 0.007
Virginia 6,324,114 398 6,324,512 0.006
Washington 4,838,049 5 4,838,054 (1)
West Virginia 1,364,829 9 1,364,838 0.001
Wisconsin 4,167,640 2 4,167,642 (1)
Wyoming 566,581 0 566,581 (1)
United States 199,962,269 2,719,033 202,681,302 1.342%

(1) Less than 0.001 percent.
(2) Texas information is no longer available.

NA=Data not available.

Source: AIPSO.

Direct Premiums Written by Line, Life/Annuity Industry, 2022-2024 (1)

($000)
  2022 2023 2024
Lines of insurance Direct premiums
written (2)		 Percent
of total 		 Direct premiums
written (2)		 Percent
of total 		 Direct premiums
written (2)		 Percent
of total 
Annuities            
Ordinary individual annuities $237,429,226 28.9% $348,527,468 37.0% $422,117,325 39.2%
Group annuities $160,156,376 19.5 $150,857,952 16.0 $178,874,465 16.6
Total $397,585,602 48.4% $499,385,420 53.0% $600,991,790 55.8%
Accident and health (3) $216,362,805 26.4% $228,971,866 24.3% $250,521,565 23.3%
Life            
Ordinary life 163,998,690 20.0 168,684,296 17.9 174,683,642 16.2
Group life (4) 42,805,917 5.2 45,877,185 4.9 50,019,007 4.6
Total $206,804,607 25.2% $214,561,481 22.8% $224,702,649 20.9%
All other lines 4,906 (5) 5,517 (5) 4,541 (5)
Total, all lines (6) $820,757,920 100.0% $942,924,284 100.0% $1,076,220,545 100.0%

(1) NAIC changed underlying reporting structure for Life-Annuity Exhibit 1, Part 1, Page 9 for 2023. Prior years are mapped from prior reporting structure.  
(2) Before reinsurance transactions.
(3) Excludes accident and health premiums reported on the property/casualty and health annual statements.
(4) Group Life includes Credit Life and Industrial Life for 2022 and prior years due to changes in reporting structure.
(5) Less than 0.1 percent.
(6) Excludes deposit-type funds.

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

Top 10 Health Insurance Groups By Direct Premiums Written, 2021 (1)

($000)
Rank Group/company Direct premiums written Market share
1 UnitedHealth Group Inc. $137,895,947 15.3%
2 Anthem Inc. 92,253,208 10.3
3 Centene Corp. 81,429,580 9.1
4 Humana Inc. 79,042,258 8.8
5 HealthCare Service Corp.  46,267,933 5.1
6 CVS Health Corp. 31,937,687 3.6
7 GuideWell Mutual Holding Corp. 24,606,232 2.7
8 Molina Healthcare Inc. 24,098,384 2.7
9 Independence Health Group Inc. 22,969,351 2.6
10 Kaiser Permanente 20,821,188 2.3

(1) Based on health insurer annual statement data. Excludes health insurance data from the property/casualty and life/annuity annual statements. Excludes territories.

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

Credit Life, And Credit Accident And Health Insurance Direct Premiums Written, 2015-2024

($000)
Year Credit life Credit accident
and health
2015 $915,437 $910,645
2016 831,283 829,033
2017 807,136 838,004
2018 815,280 857,886
2019 830,040 889,327
2020 684,789 730,712
2021 740,023 762,128
2022 738,955 746,816
2023 687,555 709,140
2024 646,442 648,645

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

Life/Annuity Insurance Income Statement, 2020-2024

($ billions, end of year)
  2020 2021 2022 2023 2024 Percent change,
2020-2024 (1) 
Revenue            
Life insurance premiums $141.6 $159.1 $163.1 $121.4 $172.8 42.4%
Annuity premiums and deposits 301.2 290.2 350.6 360.8 432.2 19.8
Accident and health premiums 182.3 188.1 189.3 202.9 218.4 7.6
Other premiums and considerations (2) 6.5 6.0 7.3 0.7 1.1 57.0
Total premiums, consideration and deposits $631.6 $643.3 $710.3 $685.8 $824.5 20.2
Net investment income 192.2 208.3 205.5 225.3 247.7 9.9
Reinsurance allowance -22.8 8.4 38.2 28.6 -7.9 -127.8
Separate accounts revenue 38.1 41.8 39.2 38.1 36.3 -4.8
Other income 52.4 57.6 58.1 63.3 66.0 4.3
Total revenue $891.4 $959.5 $1,051.2 $1,041.1 $1,166.6 12.1
Expense            
Benefits 318.0 343.4 326.4 347.7 374.5 7.7
Surrenders 327.9 367.5 353.0 416.2 484.2 16.3
Increase in reserves 110.3 89.3 131.7 67.9 106.9 57.4
Transfers to separate accounts -70.0 -76.3 -51.1 -82.8 -87.8 6.1
Commissions 60.5 65.2 68.2 78.1 80.0 2.5
General and administrative expenses 68.4 71.1 72.2 77.6 79.1 2.0
Insurance taxes, licenses and fees 11.5 10.1 10.5 10.9 11.9 8.9
Other expenses 6.3 15.0 61.7 35.7 45.9 28.8
Total expenses $832.9 $885.2 $972.5 $951.3 $1,094.7 15.1
Net income            
Policyholder dividends 18.6 18.4 20.3 22.8 24.4 7.0
Net gain from operations before federal income tax 39.8 55.9 58.3 67.0 47.4 -29.2
Federal income tax 5.2 8.2 8.4 13.1 8.5 -35.7
Net income before capital gains $34.6 $47.7 $49.9 $53.8 $39.0 -27.6
Net realized capital gains (losses) -10.7 -7.6 -10.6 -15.4 -6.4 -58.3
Net income $23.9 $40.1 $39.3 $38.5 $32.6 -15.4
Pre-tax operating income 39.8 55.9 58.3 67.0 47.4 -29.2
Capital and surplus, end of year 460.4 499.7 489.5 512.7 523.0 2.0

(1) Calculated from unrounded data.
(2) The NAIC introduced changes for the Analysis of Operations and Analysis of Increase in Reserves exhibits for 2019 and future periods.

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

Credit Insurance, 2011-2020

($000)
Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2011 1,490,135 10.8% 94.5 -32.7 pts.
2012 1,457,796 -2.2 91.3 -3.2
2013 1,167,315 -19.9 74.9 -16.4
2014 1,191,026 2.0 74.7 -0.1
2015 1,070,048 -10.2 76.5 1.8
2016 1,118,611 4.5 92.1 15.6
2017 1,221,008 9.2 90.8 -1.4
2018 1,511,025 23.8 93.6 2.9
2019 1,860,939 23.2 84.8 -8.9
2020 1,792,467 -3.7 107.0 22.2

(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.

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

Top Nine Writers Of Financial Guaranty Insurance By Direct Premiums Written, 2023

($000)
Rank Group/company Direct premiums written (1) Market share (2)
1 Assured Guaranty Ltd. $240,027 63.3%
2 Build America Mutual Assurance Co. 60,261 15.9
3 ACP Insurance Management LLC 46,822 12.4
4 Ambac Financial Group Inc. 15,903 4.2
5 MBIA Inc. 11,428 3.0
6 Syncora Guarantee Inc. 2,425 0.6
7 Financial Guaranty Insurance Co. 1,283 0.3
8 MS&AS Insurance 442 0.1
9 Radian Group Inc. 416 0.1

(1) Before reinsurance transactions, includes state funds.
(2) Based on U.S. total, excluding territories.

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

Top 10 Writers Of Mortgage Guaranty Insurance By Direct Premiums Written, 2024

($000)
Rank Group/company Direct premiums written (1) Market share (2)
1 MGIC Investment Corp. $1,093,649 18.8%
2 Genworth Financial Inc. 1,040,706 17.9
3 Arch Capital Group Ltd. 1,020,453 17.6
4 Radian Group Inc. 1,011,341 17.4
5 Essent Group Ltd.  955,137 16.4
6 NMI Holdings Inc. 672,708 11.6
7 PMI Group Inc. 20,817 0.4
8 Biglari Holdings Inc. 549 (3)
9 Berry Rock Insurance Co. 20 (3)
10 Chubb Ltd. 14 (3)

(1) Before reinsurance transactions, includes state funds.
(2) Based on U.S. total, excluding territories.
(3) Less than 0.1 percent.

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

Life/Health Insurer Financial Asset Distribution, 2010-2014

($ billions)
  2010 2011 2012 2013 2014
Total financial assets $5,167.8 $5,340.1 $5,614.7 $5,977.3 $6,227.1
Checkable deposits and currency 51.7 53.7 56.4 47.2 50.8
Money market fund shares 21.0 28.8 27.5 21.6 27.7
Security repurchase agreements 10.9 10.1 8.5 8.5 8.5
Credit market instruments 3,174.2 3,299.6 3,373.9 3,451.3 3,551.0
     Open market paper 40.9 29.7 43.6 46.7 42.2
     U.S. government securities 532.6 549.8 541.8 522.7 522.0
          Treasury 156.6 175.4 180.9 168.6 182.9
          Agency- and GSE (1)-backed securities 376.0 374.4 360.9 354.1 339.1
     Municipal securities 112.3 121.8 131.5 141.6 147.8
     Corporate and foreign bonds 2,030.2 2,117.3 2,162.2 2,223.0 2,292.3
     Other loans and advances 140.7 148.6 150.4 153.9 161.9
     Mortgages 317.5 332.5 344.4 363.2 384.8
Corporate equities 1,371.6 1,355.5 1,502.7 1,743.4 1,798.4
Mutual fund shares 186.7 184.8 201.7 235.8 246.4
U.S. direct investment abroad 46.3 54.2 67.0 65.5 67.0
Miscellaneous assets 305.6 353.4 377.0 404.1 477.2

(1) Government-sponsored enterprise.

Source: Board of Governors of the Federal Reserve System, June 11, 2015.

Insurance Company Holdings Of U.S. Municipal Securities, 2020-2024

($ billions, end of year)
  2020 2021 2022 2023 2024
Property/casualty insurance companies 297.9 289.4 246.1 221.6 206.4
Life insurance companies 234.2 241.3 197.9 192.5 167.6
Total 532.1 530.7 444.0 414.1 374.0

Source: Board of Governors of the Federal Reserve System, September 11, 2025.

Property/Casualty Guaranty Fund Net Assessments, 2015-2024

Year Net assessments (1)
2015 $458,510,638 
2016 392,031,219 
2017 469,164,131 
2018 225,560,454 
2019 211,349,533 
2020 191,449,010 
2021 417,275,035 
2022 561,582,028 
2023 773,758,979 
2024 333,682,307 
Total, inception-2024 (2) $20,282,954,515 

(1) Assessments less refunds.
(2) Includes pre-1978 net assessments.

Source: National Conference of Insurance Guaranty Funds.

Property/Casualty Guaranty Fund Net Assessments By State, 2024

State Net assessments (1) State Net assessments (1)
Alabama 0  Montana $1,000,000 
Alaska 0  Nebraska 800,000 
Arizona 0  Nevada 0 
Arkansas $20,000,000  New Hampshire 0 
California 0  New Jersey 92,669,353 
Colorado 0  New Mexico 4,528,791 
Connecticut 105,000  New York 0 
Delaware 0  North Carolina (7,900,000)
D.C. 0  North Dakota 0 
Florida 0  Ohio 0 
Georgia 0  Oklahoma 17,000,000 
Hawaii 56,852,378  Oregon 0 
Idaho 1,000,000  Pennsylvania 0 
Illinois 5,250,000  Puerto Rico 0 
Indiana 0  Rhode Island 950,000 
Iowa 6,000,000  South Carolina 0 
Kansas 0  South Dakota 0 
Kentucky 0  Tennessee 0 
Louisiana 126,434,525  Texas 0 
Maine 0  Utah 0 
Maryland 0  Vermont 0 
Massachusetts 0  Virginia 0 
Michigan 0  Washington 0 
Minnesota 0  West Virginia 0 
Mississippi 0  Wisconsin 0 
Missouri 8,992,260  Wyoming 0 
    United States $333,682,307 

(1) Assessments less refunds. Negative numbers represent net refunds.

Source: National Conference of Insurance Guaranty Funds.

Premium Taxes By State, Property/Casualty, Life/Annuity And Health Insurers, 2024 (1)

($000)
State Amount State Amount
Alabama $612,835 Montana $177,555
Alaska 73,921 Nebraska 94,200
Arizona 878,984 Nevada 620,936
Arkansas 408,579 New Hampshire 158,526
California 4,013,574 New Jersey 737,875
Colorado 547,609 New Mexico 289,685
Connecticut 241,416 New York 2,494,775
Delaware 156,626 North Carolina 1,226,119
D.C. 170,745 North Dakota 75,296
Florida 2,223,757 Ohio 794,334
Georgia 562,442 Oklahoma 435,450
Hawaii 217,883 Oregon 187,127
Idaho 148,741 Pennsylvania 1,017,628
Illinois 533,856 Rhode Island 171,801
Indiana 273,424 South Carolina 361,495
Iowa 190,372 South Dakota 117,056
Kansas 514,186 Tennessee 1,458,851
Kentucky 221,184 Texas 4,337,503
Louisiana 1,334,058 Utah 223,518
Maine 142,287 Vermont 79,994
Maryland 887,149 Virginia 768,340
Massachusetts 692,021 Washington 887,670
Michigan 529,226 West Virginia 199,276
Minnesota 845,671 Wisconsin 287,839
Mississippi 497,792 Wyoming 39,067
Missouri 551,714 United States $34,711,968

(1) Includes other insurance companies. Data are for each state’s fiscal year.

Source: U.S. Department of Commerce, Bureau of the Census.

TOP FIVE DEADLIEST VOLCANIC ERUPTIONS, NORTH, SOUTH AND CENTRAL AMERICA, 1900-2013

Rank Year Event Location Deaths
1 1902 Eruption of Pelée Martinique: Mt. Pelee, St. Pierre 29,000
2 1985 Eruption of Nevado del Ruiz Colombia: Central, Armero, Tolima, Chinchina, Caldas, Manizales 25,000
3 1902 Eruption of Santa Maria Guatemala    6,000
4 1982 Volcanic activity, El Chichon Mexico: South, Chiapas; Tabasco 1,877
5 1902 Eruption of La Soufrière Saint Vincent and the Grenadines: La Soufrière 1,500

Source: Munich Re, Geo Risks Research, NatCatSERVICE.

Top 10 Countries By U.S. Reinsurance Premiums Ceded to Unaffiliated And Affiliated Offshore Reinsurers, 2019

(US$ millions)
Unaffiliated offshore reinsurers Affiliated offshore reinsurers
Rank Country Premiums ceded Rank Country Premiums ceded
1 Bermuda $13,597 1 Bermuda $16,748
2 Germany 7,422 2 Switzerland 7,733
3 United Kingdom 6,490 3 Cayman Islands 1,215
4 Switzerland 6,355 4 Germany 975
5 Cayman Islands 4,604 5 Turks and Caicos 551
6 Turks and Caicos 2,333 6 Japan 537
7 Ireland 766 7 United Kingdom 432
8 Barbados 729 8 France 246
9 British Virgin Islands 619 9 Spain 225
10 Channel Islands 595 10 Canada 166
Total, top 10 countries    $43,509 Total, top 10 countries    $28,828
Total world   $47,083 Total world   $29,365

Source: Reinsurance Association of America.

Tornadoes And Related Deaths By State, 2025 (1)

State Tornadoes Fatalities Rank (2) State Tornadoes Fatalities Rank (2)
Alabama 72 3 5 Montana 6 0 33
Alaska 0 0 (3) Nebraska 56 0 10
Arizona 6 0 33 Nevada 1 0 41
Arkansas 61 3 9 New Hampshire 0 0 (3)
California 8 0 27 New Jersey 3 0 37
Colorado 38 0 16 New Mexico 21 0 24
Connecticut 0 0 (3) New York 7 3 30
Delaware 2 0 38 North Carolina 15 0 26
D.C. 0 0 (3) North Dakota 72 3 5
Florida 25 0 22 Ohio 27 0 21
Georgia 38 0 16 Oklahoma 66 1 8
Hawaii 0 0 (3) Oregon 2 0 38
Idaho 2 0 38 Pennsylvania 23 0 23
Illinois 147 0 2 Puerto Rico 0 0 (3)
Indiana 67 1 7 Rhode Island 0 0 (3)
Iowa 36 0 19 South Carolina 8 0 27
Kansas 45 0 13 South Dakota 20 0 25
Kentucky 53 19 12 Tennessee 41 9 14
Louisiana 41 0 14 Texas 162 0 1
Maine 0 0 (3) Utah 7 0 30
Maryland 7 0 30 Vermont 0 0 (3)
Massachusetts 4 0 36 Virginia 6 0 33
Michigan 31 0 20 Washington 0 0 (3)
Minnesota 56 0 10 West Virginia 0 0 (3)
Mississippi 111 8 4 Wisconsin 38 0 16
Missouri 120 17 3 Wyoming 8 0 27
        United States (4) 1,559 67  

(1) Numbers include preliminary estimates as of January 2026. Ranked by total number of tornadoes.
(2) States with the same number of tornadoes receive the same ranking.
(3) State had no tornadoes in 2025.
(4) The U.S. total will not match data used in other charts because it counts tornadoes that cross state lines.

Source: U.S. Department of Commerce, Storm Prediction Center, National Weather Service.

The Saffir-Simpson Hurricane Wind Scale

Category (1) Sustained wind speed (mph) Wind damage  Historical example
1 74-95 Very dangerous winds will
produce some damage		 Hurricane Dolly, 2008,
South Padre Island, Texas
2 96-110 Extremely dangerous winds
will cause extensive damage		 Hurricane Frances, 2004,
Port St. Lucie, Florida
3 111-129 Devastating damage will occur Hurricane Ivan, 2004,
Gulf Shores, Alabama
4 130-156 Catastrophic damage will occur Hurricane Charley, 2004,
Punta Gorda, Florida
5 157 or higher Catastrophic damage will occur Hurricane Andrew, 1992,
Cutler Ridge, Florida

(1) Category 3 or higher storms are classified as “major.”

Source: U.S. Department of Commerce, National Oceanic and Atmospheric Administration, National Hurricane Center.

U.S. Insurance-Related Mergers and Acquisitions, 2015-2024 (1)

($ millions)
  Underwriting mergers and acquisitions
  Property/casualty Life/annuity Health/managed care
Year Number of
transactions		 Transaction
values		 Number of
transactions		 Transaction
values		 Number of
transactions		 Transaction
values
2015 35 $39,970 18 $10,228 21 $9,603
2016 38 10,665 13 0 12 1,078
2017 38 7,404 19 5,796 17 75,954
2018 47 15,878 22 6,696 8 2,516
2019 28 8,805 20 9,235 22 17,410
2020 54 10,078 16 9,756 13 4,145
2021 44 9,681 19 33,870 37 20,633
2022 32 13,297 9 70 12 12,940
2023 41 1,151 15 7,570 14 13,208
2024 47 7,211 15 2,245 8 4,475
  Distribution and insurance services mergers and acquisitions
  Distribution Insurance services Total U.S. mergers
and acquisitions
Year Number of
transactions		 Transaction
values		 Number of
transactions		 Transaction
values		 Number of
transactions		 Transaction
values
2015 472 $18,695 88 $22,905 634 $101,401
2016 450 4,204 77 3,461 590 19,408
2017 564 6,594 74 10,645 712 106,393
2018 612 7,085 79 68,304 768 100,479
2019 691 2,389 72 3,669 833 41,508
2020 796 2,725 100 7,452 979 34,156
2021 849 11,175 78 5,914 1,027 81,273
2022 712 1,867 110 5,813 875 33,987
2023 739 15,879 32 0 841 37,808
2024 623 39,497 55 1 748 53,429

(1) Components may not add to totals due to rounding and inclusion of miscellaneous companies. Includes transactions where a U.S. company was the acquirer and/or the target.

Source: ©2025 Conning, Inc., 2024: Global Mergers & Acquisitions in the Insurance Industry. Used with permission.

Reported Global Insurance-Related Mergers And Acquisitions By Sector, U.S. And Non-U.S. Acquirers, 2024 (1)

  Number of transactions Transaction values ($ millions)
Sector U.S. (2) Non-U.S. (3) Total U.S. (2) Non-U.S. (3) Total
Underwriting            
   Property/casualty 47 26 73 $7,211 $11,140 $18,351
   Life/annuity 15 11 26 2,245 15,877 18,122
   Health/managed care 8 0 8 4,475 0 4,475
Total 70 37 107 $13,931 $27,017 $40,948
Distribution and services            
   Distribution 623 161 784 $39,497 $1,686 $41,183
   Services 55 8 63 1 0 1
Total 678 169 847 $39,498 $1,686 $41,184
Total, all sectors 748 206 954 $53,429 $28,703 $82,132

(1) Components may not add to totals due to rounding and inclusion of miscellaneous companies.
(2) Includes transactions where a U.S. company was the acquirer and/or the target.
(3) Includes transactions where a non-U.S. company was the acquirer and the target.

Source: ©2025 Conning, Inc., 2024: Global Mergers & Acquisitions in the Insurance Industry. Used with permission.

Pedalcyclists Killed And Fatality Rates, 2016 (1)

Age group Killed Population (000) Fatality rate
per million population
Under 5 5 19,927 0.25
5 to 9 15 20,430 0.73
10 to 14 39 20,618 1.89
Children (14 and under) 59 60,975 0.97
15 to 19 42 21,130 1.99
20 to 24 46 22,381 2.06
25 to 29 47 22,891 2.05
30 to 34 50 21,786 2.30
35 to 39 43 20,774 2.07
40 to 44 51 19,696 2.59
45 to 49 67 20,948 3.20
50 to 54 101 21,839 4.62
55 to 59 101 21,980 4.60
60-64 92 19,483 4.72
65-69 50 16,820 2.97
70 to 74 37 11,810 3.13
75 to 79 22 8,368 2.63
80 and over 21 12,246 1.71
Seniors (65 and over) 130 49,244 2.64
Total (2) 840 323,128 2.60

(1) Pedalcyclists are defined by the National Highway Safety Administration as bicyclists and othe cyclists including riders of two-wheeled, nonmotorized vehicles, tricycles and unicycles.
(2) Includes pedalcyclists of unknown age.

Source: U.S. Department of Transportation, National Highway Traffic Safety Administration; Bureau of the Census.

Pedalcyclists Killed And Fatality Rates By Age, 2023 (1)

Age group Killed Population Fatality rate per
100,000 population
Under 5 4 18,511,160 0.02
5 to 9 4 20,152,757 0.02
10 to 14 33 20,834,564 0.16
Children (14 and under) 41 59,498,481 0.07
15 to 20 64 26,419,372 0.24
21 to 24 29 17,467,280 0.17
25 to 29 48 22,018,360 0.22
30 to 34 82 23,524,156 0.35
35 to 39 100 22,506,644 0.44
40 to 44 109 21,884,049 0.50
45 to 49 95 19,817,010 0.48
50 to 54 96 20,676,771 0.46
55 to 59 134 20,606,257 0.65
60-64 127 21,248,154 0.60
65-69 105 19,150,728 0.55
70 to 74 53 15,534,556 0.34
75 to 79 36 11,387,417 0.32
80 and over 29 13,175,660 0.22
Seniors (65 and over) 223 59,248,361 0.38
Total (2) 1,166 334,914,895 0.35

(1) Pedalcyclists are defined by the National Highway Safety Administration as bicyclists and other cyclists including riders of two-wheeled, nonmotorized vehicles, tricycles and unicycles. Starting in 2022, pedalcyclists include people on motorized bicycles.
(2) Includes pedalcyclists of unknown age.

Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.

Large Airline Accidents In The United States, 2010-2019 (1)

Year Flight hours Total
accidents		 Fatal
accidents		 Total
fatalities (2)		 Total accidents
per 100,000
flight hours
2010 17,750,986 30 1 2 0.169
2011 17,962,965 33 0 0 0.184
2012 17,722,236 27 0 0 0.152
2013 17,779,641 22 2 9 0.124
2014 17,742,826 31 0 0 0.175
2015 17,925,780 28 0 0 0.156
2016 18,294,057 30 0 0 0.164
2017 18,581,388 33 0 0 0.178
2018 19,288,296 31 1 1 0.161
2019 (3) 19,786,547 40 2 4 0.202

(1) Scheduled and unscheduled planes with more than 10 seats.
(2) Includes nonpassenger deaths.
(3) Preliminary.

Source: National Transportation Safety Board.

Aircraft Accidents In The United States, 2019 (1)

    Number of accidents  
  Flight hours (000) Total Fatal Number of
fatalities (2)		 Total accidents
per 100,000
flight hours
Commercial airlines          
     10 or more seats          
          Scheduled 19,180,620 36 1 1 0.188
          Nonscheduled 605,927 4 1 3 0.660
     Less than 10 seats          
          Commuter 415,162 9 1 2 2.168
          On-demand 3,765,242 34 12 32 0.903
General aviation (3) 21,800,689 1,220 233 414 5.592
Total civil aviation NA 1,302 248 452 NA

(1) Preliminary data. Totals do not add because of collisions involving aircraft in different categories.
(2) Includes nonpassenger deaths.
(3) Private transport and recreational flying.

NA=Data not available.

Source: National Transportation Safety Board.

Top 10 U.S. Metropolitan Statistical Areas By Motor Vehicle Theft Rate, 2022

Rank Metropolitan statistical area (1) Theft rate (2)
1 Pueblo, CO 1,086.44 
2 Bakersfield, CA 1,072.36 
3 Denver-Aurora-Lakewood, CO 1,062.67 
4 Memphis, TN-MS-AR 845.68 
5 Portland-Vancouver-Hillsboro, OR-WA 796.94 
6 Albuquerque, NM 795.18 
7 Seattle-Tacoma-Bellevue, WA 758.68 
8 San Francisco-Oakland-Berkeley, CA 699.30 
9 Greeley, CO 589.42 
10 Kansas City, MO-KS 572.67 

(1) Metropolitan Statistical Areas are designated by the federal Office of Management and Budget and usually include areas much larger than the cities for which they are named.
(2) Rate of vehicle thefts reported per 100,000 people based on U.S. Census Population Estimates.

Source: National Insurance Crime Bureau.

Traffic Deaths, 2015-2024

Year Fatalities Annual
percent
change		 Fatality rate
per 100 million
vehicle miles
traveled		 Fatality rate
per 100,000
registered vehicles
2015 35,484 8.4% 1.15 12.61
2016 37,806 6.5 1.19 13.13
2017 37,473 -0.9 1.17 12.91
2018 36,835 -1.7 1.14 12.40
2019 36,355 -1.3 1.11 12.15
2020 39,007 7.3 1.34 13.13
2021 43,230 10.8 1.38 14.30
2022 42,721 -1.2 1.34 14.09
2023 40,901 -4.3 1.26 13.38
2024 (1) 39,345 -3.8 1.20 NA

(1) Estimate.

NA=Data not available.

Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.

Off-Highway Vehicles (OHV) – Related Deaths and Injuries, 2019-2023 (1)

  Estimated number of deaths Estimated number of injuries (2)
    Younger than 16   Younger than 16
Year Total Number Percent
of total		 Total Number Percent
of total
2019 744 93 13% 95,900 25,800 27%
2020 988 123 12 112,300 30,500 27
2021 845 126 15 106,600 30,500 29
2022 NA NA NA 94,700 25,600 27
2023 NA NA NA 100,400 27,200 27

(1) Off-Highway Vehicles (OHV) including All-Terrain Vehicles (ATV); Recreational Off-Highway Vehicles (ROV); and Utility-Terrain Vehicles (UTV).
(2) Emergency room-treated.

NA=Data not available.

Source: U.S. Consumer Product Safety Commission.

Tornadoes And Related Deaths In The United States, 2006-2025 (1)

Year Tornadoes Deaths Year Tornadoes Deaths
2006 1,104 67 2016 977 18
2007 1,099 81 2017 1,430 35
2008 1,692 126 2018 1,126 10
2009 1,157 21 2019 1,520 42
2010 1,282 45 2020 1,082 76
2011 1,692 553 2021 1,314 103
2012 939 70 2022 1,144 23
2013 907 55 2023 1,297 83
2014 886 47 2024 1,811 54
2015 1,177 36 2025 1,559 67

(1) Numbers include actuals through June and preliminary estimates for July through December as of February 2026. Tornadoes that cross state lines are counted as a single event in this chart.

Source: U.S. Department of Commerce, Storm Prediction Center, National Weather Service.

Hurricanes And Related Deaths In The United States, 2000-2024

Year Total
hurricanes (1)		 Made landfall
as a hurricane
in the U.S.		 Deaths (2)
2000 8 0 5
2001 9 0 55
2002 4 1 12
2003 7 2 58
2004 9 5 159
2005 15 5 1,414
2006 5 0 3
2007 6 1 18
2008 8 3 160
2009 3 0 5
2010 12 0 8
2011 7 1 55
2012 10 1 173
2013 2 0 4
2014 6 1 4
2015 4 0 31
2016 7 2 60
2017 10 4 3,173
2018 8 2 123
2019 6 2 23
2020 14 6 90
2021 7 2 121
2022 9 2 186
2023 7 1 16
2024 11 5 356

(1) Atlantic Basin only.
(2) Includes fatalities from high winds of less than hurricane force from tropical storms.

Source: Insurance Information Institute from data supplied by the U.S. Department of Commerce, National Oceanic and Atmospheric Administration, National Hurricane Center, Puerto Rico Department of Health.

Estimated Percentage Of Uninsured Motorists, 2017-2023 (1)

Year Percent
2017 12.4%
2018 12.1
2019 11.6
2020 14.3
2021 14.6
2022 15.2
2023 15.4

(1) Percentage of uninsured drivers, as measured by the ratio of uninsured motorists (UM) claims to bodily injury (BI) claim frequencies.

Source: Insurance Research Council.

Earthquake Insurance, Direct Premiums Written by State, 2024 (1)

($000)
Rank State Direct premiums written ($000)
1 California $3,582,421
2 Washington   463,939
3 Oregon 206,864
4 Missouri 154,668
5 Utah 148,833
6 Tennessee 138,836
7 New York 120,317
8 Illinois 124,280
9 Texas 69,576
10 Nevada 75,115
11 South Carolina 69,117
12 Florida 81,385
13 Indiana 58,860
14 Kentucky 59,543
15 Arkansas 58,230
16 Alaska 60,908
17 Massachusetts 54,049
18 Ohio 44,828
19 New Jersey 41,624
20 Pennsylvania 33,343
21 Virginia 32,811
22 Hawaii 34,311
23 Georgia 28,990
24 Mississippi 28,991
25 Arizona 23,167
26 North Carolina 31,995
27 Colorado 19,636
28 Maryland 19,184
29 Oklahoma 19,515
30 Michigan 14,614
31 Alabama 13,810
32 Wisconsin 10,354
33 Connecticut 13,018
34 Montana 11,684
35 Idaho 12,210
36 Kansas 10,348
37 Louisiana 7,987
38 Iowa 7,672
39 Minnesota 8,330
40 Wyoming 8,403
41 Washington, DC 5,470
42 New Mexico 6,063
43 New Hampshire 5,786
44 Rhode Island 4,428
45 Nebraska 3,387
46 Maine 3,178
47 West Virginia 870
48 Delaware 2,261
49 Vermont 3,153
50 South Dakota 681
51 North Dakota 1,148
  United States (2) $6,330,766

(1) Includes the California Earthquake Authority, a state fund.
(2) Includes US Territories.

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

US Small Businesses by State, 2021 (1)

State Number of
establishments		 Employment Annual payroll
($000)
Alabama 81,238 802,607 $37,098,846
Alaska 18,568 133,542 7,917,411
Arizona 124,948 1,112,573 56,229,537
Arkansas 55,360 488,761 20,582,840
California 866,596 6,984,850 469,638,082
Colorado 152,739 1,147,398 65,636,914
Connecticut 72,556 678,339 42,162,832
Delaware 23,342 201,082 11,822,839
District of Columbia 18,553 233,078 21,238,970
Florida 525,313 3,627,360 178,197,340
Georgia 206,737 1,738,386 86,935,350
Hawaii 27,240 237,707 11,889,117
Idaho 47,818 365,278 15,712,464
Illinois 268,603 2,297,858 137,662,082
Indiana 119,043 1,211,410 55,927,078
Iowa 68,844 616,917 28,679,446
Kansas 61,257 583,244 26,976,631
Kentucky 71,363 685,426 29,966,073
Louisiana 88,205 867,762 40,869,108
Maine 36,803 275,484 13,302,601
Maryland 116,134 1,108,477 66,785,297
Massachusetts 150,499 1,395,629 100,696,145
Michigan 185,683 1,786,708 91,781,014
Minnesota 127,792 1,191,917 63,503,579
Mississippi 47,219 430,256 16,913,525
Missouri 123,065 1,111,927 52,260,634
Montana 36,266 250,638 10,973,498
Nebraska 46,983 414,068 19,100,783
Nevada 60,182 524,247 26,473,996
New Hampshire 32,162 294,022 16,998,712
New Jersey 199,922 1,729,162 104,530,252
New Mexico 35,535 322,131 14,387,092
New York 471,755 3,650,553 244,310,569
North Carolina 200,691 1,724,657 80,485,366
North Dakota 21,120 189,834 9,581,144
Ohio 199,219 2,090,411 100,860,582
Oklahoma 78,051 695,957 30,604,887
Oregon 104,022 843,267 43,312,954
Pennsylvania 246,799 2,395,971 123,939,749
Rhode Island 24,625 211,008 11,304,840
South Carolina 93,441 822,949 36,171,085
South Dakota 24,300 207,825 9,092,494
Tennessee 110,847 1,126,869 55,047,374
Texas 515,084 4,851,486 255,318,237
Utah 77,905 654,553 32,541,091
Vermont 18,200 147,457 7,464,192
Virginia 166,419 1,536,230 87,836,113
Washington 170,045 1,364,128 82,762,610
West Virginia 27,069 248,030 10,072,390
Wisconsin 116,812 1,212,423 58,848,761
Wyoming 19,693 129,426 6,277,560
United States 6,782,665 58,951,278 $3,228,682,086

(1)Number of establishments with less than 500 employees. Including the District of Columbia.

Source: U.S. Census.

Captives By State, 2023-2024

Rank Domicile 2023 2024
1 Vermont 659 683
2 Utah 439 462
3 North Carolina 311 293
4 Delaware 283 (1) 285
5 Hawaii 263 272
6 South Carolina 221 231
7 Arizona 176 201
8 Tennessee 165 (1) 175
9 District of Columbia 120 132
10 Montana 100 93
11 Nevada 100 92
12 Texas 79 85
13 Oklahoma 56 64
14 Connecticut 53 59
15 Georgia 57 54
15 Missouri 55 54
17 Alabama 55 (1) 53
18 New York 37 39 (2)
19 Kentucky 32 34
20 Michigan 26 27
21 New Jersey 20 20 (2)
22 Arkansas 16 17
23 South Dakota 15 15
24 Ohio 8 8
25 Colorado 6 7
26 Nebraska 4 4
27 Maine 3 3
28 Illinois 2 2
28 Kansas 1 2
30 West Vriginia 1 0
  United States (3) 3,363 3,466

(1) Restated.
(2) Business Insurance estimate.
(3) Excludes territories.

Source: Business Insurance Survey, Business Insurance, April 2025.

Insurance Carriers and Related Activities Compensation by State, 2022-2023

($000)
  Annual payroll   Annual payroll
State 2022 2023 State 2022 2023
Alabama $3,653,762 $4,031,470 Montana $691,002 $751,900
Alaska 191,565 188,097 Nebraska 2,891,686 3,041,353
Arizona 7,650,359 8,048,860 Nevada 2,017,688 2,267,370
Arkansas 1,678,545 1,837,262 New Hampshire 1,685,225 1,750,483
California 32,356,464 32,060,855 New Jersey 14,401,592 15,212,485
Colorado 6,138,052 6,527,634 New Mexico 991,734 1,037,512
Connecticut 10,331,075 10,641,959 New York 24,492,943 25,041,770
Delaware 805,901 870,651 North Carolina 9,657,328 10,790,757
District of Columbia 932,807 797,737 North Dakota 687,766 742,259
Florida 25,373,351 28,007,756 Ohio 13,900,648 14,619,423
Georgia 12,501,189 13,622,358 Oklahoma 2,172,469 2,346,250
Hawaii 797,688 830,682 Oregon 3,129,119 3,305,653
Idaho 1,285,531 1,377,701 Pennsylvania 16,336,189 17,569,553
Illinois 18,441,679 19,163,333 Rhode Island 1,452,923 1,530,548
Indiana 5,766,122 6,243,625 South Carolina 3,880,793 4,459,936
Iowa 5,977,749 6,289,414 South Dakota 750,159 792,755
Kansas 3,167,401 3,333,911 Tennessee 6,628,358 7,358,544
Kentucky 3,917,319 4,165,957 Texas 30,002,951 32,332,369
Louisiana 2,788,710 3,210,599 Utah 2,575,485 2,835,121
Maine 1,421,826 1,516,274 Vermont 506,133 523,203
Maryland 4,698,467 4,829,922 Virginia 7,196,890 8,329,857
Massachusetts 11,326,056 11,825,678 Washington 5,807,432 6,052,540
Michigan 7,458,751 8,088,687 West Virginia 769,806 845,220
Minnesota 9,312,438 9,819,780 Wisconsin 8,315,426 8,952,799
Mississippi 1,232,565 1,378,614 Wyoming 236,291 255,309
Missouri 6,987,592 7,547,215 United States $347,371,000 $369,001,000

Source:Compensation of employees by NAICS industry, Bureau of Economic Analysis, U.S. Department of Commerce.

Insurance Carriers And Related Activities Employment By State, 2023 (1)

State Number of employees State Number of employees
Alabama 32.6 Montana 7.5
Alaska 1.9 Nebraska 32.1
Arizona 72.8 Nevada 20.9
Arkansas 19.4 New Hampshire 12.1
California 192.8 New Jersey 87.4
Colorado 47.1 New Mexico 11.9
Connecticut 55.8 New York 149.6
Delaware 6.3 North Carolina 83.2
District of Columbia 3.7 North Dakota 9.5
Florida 218.6 Ohio 127.5
Georgia 101.8 Oklahoma 24.2
Hawaii 7.3 Oregon 24.7
Idaho 13.9 Pennsylvania 129.2
Illinois 144.1 Rhode Island 13.8
Indiana 58.8 South Carolina 40.5
Iowa 47.6 South Dakota 8.4
Kansas 28.4 Tennessee 62.6
Kentucky 34.2 Texas 284.0
Louisiana 35.6 Utah 22.1
Maine 13.4 Vermont 4.2
Maryland 46.0 Virginia 65.3
Massachusetts 78.0 Washington 43.2
Michigan 82.5 West Virginia 9.8
Minnesota 74.8 Wisconsin 73.7
Mississippi 13.0 Wyoming 2.8
Missouri 63.9 United States 2,844.6

(1) Total employment. Does not match data shown elsewhere due to the use of different surveys.

Source: Insurance Information Institute and Employees by NAICS industry, Bureau of Labor Statistics, U.S. Department of Commerce.

U.S. Insurance Sales Abroad, 2008 (1)

($ millions)
Country/region Sold directly Sold through affiliates of multinational corporations (2) Total
Canada $2,512 $5,908 $8,420
Europe 4,381 18,545 22,926
Latin America and other Western Hemisphere 3,699 10,402 14,101
Japan 1,530 15,744 17,274
Other 1,416 14,683 16,099
Total $13,538 $65,282 $78,820

(1) Largely based on premiums. Includes adjustments for "normal" i.e., expected losses and premium supplements (income due to policy holders). Cross-border insurance also includes auxiliary insurance. Includes all types of insurance, including property/casualty, life and reinsurance.
(2) Based on primary industry of the affiliate.

Source: U.S. Department of Commerce, Bureau of Economic Analysis, International Division.

Post-Reform Act Class Action Settlements of Securities Lawsuits, 2015-2024 (1)

(2024 dollars)
Settlements 2015-2023 2023 2024
Minimum $0.4 million $0.8 million $0.6 million
Median $11.3 million $15.4 million $14.0 million
Average $50.7 million $48.7 million $42.4 million
Maximum $3.7 billion $1.0 billion $490.0 million
Total settlements $37.3 billion $4.0 billion $3.7 billion
Number of settlements 736 83 88

(1) Private Securities Litigation Reform Act of 1995; adjusted for inflation by Cornerstone Research.

Source: Cornerstone Research, Securities Class Action Settlements–2024 Review and Analysis©2025 by Cornerstone Research, Inc.

Key State Laws Against Insurance Fraud

(As of July 2021)
State Insurance fraud
classified as a crime		 Immunity
statutes		 Fraud
bureau/unit		 Mandatory insurer
fraud plan		 Mandatory aut
photo inspection
Alabama X X X (1)    
Alaska X X X    
Arizona X X X    
Arkansas X X X X  
California X X X X  
Colorado X X X (2) X  
Connecticut X X  X (2)    
Delaware X X X    
D.C. X X X (3) X  
Florida X X X X X
Georgia X X X (4)    
Hawaii X X X    
Idaho X X X    
Illinois X X X (5)    
Indiana X X X    
Iowa X X X    
Kansas X X X X  
Kentucky X X X X  
Louisiana X X X X  
Maine X X (6) X  
Maryland X X X X  
Massachusetts X X X   X
Michigan X X (7)    
Minnesota X X X X  
Mississippi X X (8) X (2)    
Missouri X X X    
Montana X X X    
Nebraska X X X    
Nevada X X X (2)    
New Hampshire X X X X  
New Jersey X X X (2) X X
New Mexico X X X X  
New York X X X X X
North Carolina X X (9)    
North Dakota X X X    
Ohio X X X X  
Oklahoma X X X    
Oregon X X      
Pennsylvania X X X (2) X  
Rhode Island X X (8), (10) X (2), (11) X X
South Carolina X X X (2), (12)    
South Dakota X X X (2)    
Tennessee X X X X  
Texas X X X X (8)  
Utah X X X X  
Vermont X X   X  
Virginia X X X (11)    
Washington X X X X  
West Virginia X X X    
Wisconsin X X X (13)    
Wyoming X X (8)      

(1) Alabama does not have an Insurance Fraud Bureau; a fraud unit is established within the Department of Insurance.
(2) Fraud bureau set up in the state Attorney General’s office.
(3) In the District of Columbia fraud is investigated by the Enforcement and Investigation Bureau in the Department of Insurance, Securities and Banking which investigates fraud in all three financial sectors.
(4) Fraud bureau set up in the Office of Insurance and Safety Fire Commissioner.
(5) No fraud bureau. Fraud can be reported to General Fraud, Department of Insurance and the Illinois Department of Insurance, Workers’ Compensation Fraud Unit.
(6) The Maine Bureau of Insurance does not have a fraud investigation unit. Fraud can be reported to the Bureau of Insurance office of Fraud and Abuse.
(7) Required as of September 11, 2018.
(8) Arson only.
(9) Fraud can be reported to the Department of Insurance, Criminal Investigations Division.
(10) Auto only.
(11) Fraud Bureau set up in the state police office.
(12) The South Carolina Department of Insurance announced on July 1, 2021 that fraud investigations would be funded and conducted by the Department of Insurance.
(13) No fraud bureau. Fraud can be reported to the Department of Justice, Division of Criminal Investigation or the Workers’ Compensation Division.

Source: Property Casualty Insurers Association of America; Coalition Against Insurance Fraud.

Sports Injuries By Number Of Injuries, 2024

    Number of injuries by age 
Sport, activity or equipment Injuries (1) Younger than 5 5 to 14 15 to 24 25 to 64 65 and older
Exercise, exercise equipment 564,845 9,056 40,616 106,552 289,494 119,127
Bicycles and accessories 454,008 16,072 105,446 64,605 211,314 56,412
Basketball 385,777 1,584 128,395 176,752 76,644 2,402
Football 318,243 (2) 172,530 121,268 22,245 (2)
ATV’s, mopeds, minibikes, etc. 312,924 4,197 59,126 81,427 149,753 18,393
Skateboards, scooters, hoverboards 295,067 9,095 72,815 71,023 131,317 10,736
Soccer 265,761 2,031 124,958 91,215 46,390 (2)
Playground equipment 231,245 59,501 148,211 8,429 13,118 1,985
Swimming, pools, equipment 182,344 19,133 71,812 30,174 47,444 13,677
Baseball, softball 154,757 2,947 66,587 47,221 33,721 4,280
Trampolines 118,179 26,156 71,613 11,057 9,139 (2)
Lacrosse, rugby, misc. ball games 97,511 (2) 25,058 30,215 25,414 16,425
Skating (excl. In-line) 74,331 (2) 30,368 13,638 27,661 2,140
Fishing 73,812 2,184 17,538 13,885 31,676 8,529
Golf 72,026 2,062 7,741 8,288 24,670 29,266
Volleyball 65,440 (2) 20,638 30,457 13,013 (2)
Horseback 48,521 (2) 7,466 11,595 21,908 7,032
Hockey 46,955 (2) 14,764 19,154 12,039 (2)
Martial arts 34,538 (2) 8,195 9,529 16,456 (2)
Track and field activities, equipment 31,940 (2) 10,486 15,079 5,542 (2)
Beach, picnic, camping equipment 30,738 3,641 4,686 1,432 13,543 7,437
Racquet sports 28,251 (2) 3,606 5,996 10,862 7,653
Boxing 25,863 (2) 2,785 12,297 10,696 (2)
Water skiing, tubing, surfing 17,264 (2) 2,912 4,666 8,782 (2)
Bowling 13,403 (2) 1,638 2,111 5,218 3,371

(1) Treated in hospital emergency departments.
(2) Not reported.

Source: National Safety Council analysis of U.S. Consumer Product Safety Commission NEISS data. National Safety Council. Injury Facts®.

Sex Of Drivers Involved In Fatal Crashes, 2014-2023 (1)

  Drivers in fatal crashes
  Male Female Total (2)
Year Number Rate (3) Number Rate (3) Number Rate (3)
2014 32,630 30.81 11,293 10.44 44,671 20.87
2015 35,850 33.30 12,382 11.21 49,163 22.54
2016 37,941 34.62 13,376 11.93 52,399 23.63
2017 38,028 34.14 13,673 12.00 52,752 23.41
2018 37,406 33.26 13,379 11.63 51,905 22.81
2019 37,196 32.93 13,000 11.21 51,302 22.41
2020 39,594 35.16 13,111 11.34 54,165 23.74
2021 44,359 38.50 15,260 12.98 61,379 26.37
2022 43,770 37.69 14,783 12.43 60,308 25.65
2023 42,101 35.81 14,186 11.81 57,939 24.38

(1) Drivers over the age of 15. Includes motorcycle riders and restricted and graduated drivers license holders in some states.
(2) Includes drivers of unknown sex.
(3) Rate per 100,000 licensed drivers.

Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.

Vehicles Involved In Fatal Crashes By Vehicle Type, 2014 And 2023

Vehicle involved 2014 2023
Passenger cars    
Involved in crashes 17,895 18,778
Rate per 100 million vehicle miles traveled 1.28 1.80
Rate per 100,000 registered vehicles 13.65 18.49
Light trucks (1)    
Involved in crashes 17,160 25,336
Rate per 100 million vehicle miles traveled 1.31 1.38
Rate per 100,000 registered vehicles 13.90 14.17
Motorcycles (2)    
Involved in crashes 4,705 6,432
Rate per 100 million vehicle miles traveled 23.56 31.87
Rate per 100,000 registered vehicles 55.89 67.58

(1) Trucks with 10,000 pounds or less gross vehicle weight. Includes pickups, vans, truck-based station wagons and utility vehicles.
(2) Beginning in 2022, operators and passengers of motorized bicycles are captured as pedalcyclists when involved in a motor vehicle traffic crash.

Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.

Top 10 Most Catastrophic Multiple-Death Fires In U.S. History (1)

Rank Month Location/event Deaths
1 Sep. 11, 2001 New York, NY, World Trade Center terrorist attack 2,666 (2)
2 Apr. 27, 1865 Mississippi River, SS Sultana steamship 1,547
3 Oct. 8, 1871 Peshtigo, WI, forest fire 1,152
4 Jun. 15, 1904 New York, NY, General Slocum steamship 1,030
5 Dec. 30, 1903 Chicago, IL, Iroquois Theater 602
6 Oct. 12, 1918 Cloquet, MN, forest fire 559
7 Nov. 28, 1942 Boston, MA, Cocoanut Grove night club 492
8 Apr. 16, 1947 Texas City, TX, SS Grandcamp and Monsanto Chemical Co. plant 468
9 Sep. 1, 1894 Hinckley, MN, forest fire 418
10 Dec. 6, 1907 Monongha, WV, coal mine explosion 361

(1) Fires that kill five or more people in home property, or three or more people in nonhome or nonstructural property.
(2) Revised to 2,976 by government officials. 

Source: National Fire Protection Association. www.nfpa.org.

The Fujita Scale For Tornadoes

    Original F scale (1) Enhanced F scale (2)
Category Damage Wind speed (mph) 3-second gust (mph)
F-0 Light 40-72  65-85
F-1 Moderate 73-112 86-110
F-2 Considerable 113-157 111-135
F-3 Severe 158-207 136-165
F-4 Devastating 208-260 166-200
F-5 Incredible 261-318 Over 200

(1) Original scale: wind speeds represent fastest estimated speeds over one quarter of a mile.
(2) Enhanced scale: wind speeds represent maximum 3-second gusts.

Source: U.S. Department of Commerce, National Oceanic and Atmospheric Administration.

Top 10 Deadliest Hurricanes In The United States (1)

Rank Year Hurricane Location Category Deaths
1 1900 Galveston Hurricane Texas 4 8,000 (2)
2 1899 San Ciriaco Hurricane Puerto Rico; North Carolina 4 3,800
3 2017 Hurricane Maria Puerto Rico 5 2,975
4 1928 San Felipe-Okeechobee Hurricane Florida 4 2,500 (3)
5 2005 Hurricane Katrina Louisiana; Mississippi 3 1,392
6 1893 Cheniere Caminada Hurricane Louisiana 4 1,100 (4)
7 1893 Sea Islands Hurricane Georgia; South Carolina  3 1,000 (4)
8 1881 Georgia Hurricane Georgia; South Carolina  2 700
9 1957 Hurricane Audrey Louisiana; Texas 4 416
10 1935 Florida Keys Labor Day Hurricane Florida 5 408

(1) Direct deaths, based on a National Hurricane Center analysis of mainland tropical cyclones from 1851-2010.
(2) Could be as high as 12,000.
(3) Could be as high as 3,000.
(4) Could be as high as 2,000.

Source: Insurance Information Institute from data supplied by the U.S. Department of Commerce, National Oceanic and Atmospheric Administration, National Hurricane Center, Puerto Rico Department of Health.

Top 10 States By Insured Catastrophe Losses, 2019 (1)

($ millions)
Rank State Estimated insured loss Number of claims
1 Texas $7,236.4 583,050
2 Illinois 1,707.2 168,100
3 Colorado 1,366.9 127,450
4 Ohio 1,345.1 106,950
5 California 1,321.7 71,450
6 Minnesota 1,202.3 115,350
7 Pennsylvania 1,107.5 149,150
8 Nebraska 864.1 71,950
9 Oklahoma 597.8 57,100
10 Montana 593.5 36,300

(1) Includes catastrophes causing insured property losses of at least $25 million in 1997 dollars and affecting a significant number of policyholders and insurers. Excludes losses covered by the federally administered National Flood Insurance Program.

Source: The Property Claim Services® (PCS®) unit of ISO®, a Verisk Analytics® company.

Top 10 Deadliest World Catastrophes, 1970-2017

Rank Date Country Event Victims (1)
1 Nov. 11, 1970 Bangladesh Storm and flood catastrophe 300,000
2 Jul. 28, 1976 China Earthquake (Mw 7.6) 255,000
3 Jan. 12, 2010 Haiti Earthquake (Mw 7.0), aftershocks 222,570
4 Dec. 26, 2004 Indonesia, Thailand et al. Earthquake (Mw 9), tsunami in Indian Ocean 220,000
5 May 2, 2008 Myanmar (Burma), Bay of Bengal Tropical cyclone Nargis, Irrawaddy Delta flooded 138,373
6 Apr. 29, 1991 Bangladesh Tropical cyclone Gorky 138,000
7 May 12, 2008 China Earthquake (Mw 7.9) in Sichuan, aftershocks 87,449
8 Oct. 8, 2005 Pakistan, India, Afghanistan Earthquake (Mw 7.6), aftershocks, landslides 74,310
9 May 31, 1970 Peru Earthquake (Mw 7.9) triggers rock slide and floods 66,000
10 Jun. 15, 2010 Russia, Czech Republic  Heat wave with temperatures up to 40◦ Celsius 55,630

(1) Dead and missing.

Source: Swiss Re, sigma, No. 1/2018.

Top 10 Deadliest World Catastrophes, 2017

Rank Date Country Event Victims (1)
1 Aug. 14 Sierra Leone Heavy rains trigger flood and massive landslide and debris flow in Babadorie River Valley 1,141
2 Nov. 12 Iran, Iraq Earthquake Mw 7.3 on the Iran-Iraq border 630
3 Aug. 12 India Floods caused by heavy monsoon rains in Bihar; River Gandak burst its banks in 8 points 514
4 Sep. 19 Mexico Earthquake Mw 7.1 369
5 Mar. 31 Colombia Torrential rains caused Mocoa, Sangoyaco and Mulato to overflow and trigger massive landslide 336
6 Dec. 22 Philippines Tropical storm Tembin (Vinta) triggers flooding 331
7 Nov. 24 Egypt Bomb explosion at a mosque 311
8 May 24 Sri Lanka Torrential rains trigger floods along the Kalu River Basin, landslides 293
9 Apr. 12 India Heat wave 264
10 Jan. 14 Zimbabwe Heavy rains exacerbated by remnants of Cyclone Dineo trigger floods 251

(1) Dead and missing.

Source: Swiss Re, sigma, No. 1/2018.

World Insured Catastrophe Losses, 2008-2017 (1)

(2017 $ millions)
Year Weather-related
natural catastrophes		 Man-made Earthquakes/tsunami Total
2008 $49,890 $9,547 $480 $59,917
2009 24,447 4,486 696 29,630
2010 32,869 5,364 18,211 56,443
2011 72,253 7,377 59,327 138,958
2012 68,714 6,275 1,825 76,815
2013 37,633 8,135 47 45,815
2014 30,094 7,286 324 37,704
2015 28,134 9,813 527 38,474
2016 38,695 8,377 8,863 55,935
2017 136,442 6,246 1,615 144,303

(1) In order to maintain comparability of the data over the course of time, the minimum threshold for losses was adjusted annually to compensate for inflation in the United States. Adjusted to 2017 dollars by Swiss Re.

Source: Swiss Re Institute.

Top 10 Costliest World Insurance Losses, 1970-2017 (1)

(2017 $ millions)
Rank Date Country Event Insured loss
1 Aug. 25, 2005 U.S., Gulf of Mexico Hurricane Katrina, storm surge, damage to oil rigs $82,394
2 Mar. 3, 2011 Japan Earthquake (Mw 9.0) triggers tsunami 38,128
3 Sep. 19, 2017 U.S., Puerto Rico, U.S. Virgin Islands, Caribbean Hurricane Maria 32,000
4 Oct. 24, 2012 U.S., Caribbean, Canada Hurricane Sandy, storm surge 30,774
5 Sep. 6, 2017 U.S., Puerto Rico, U.S. Virgin Islands, Caribbean Hurricane Irma 30,000
6 Aug. 25, 2017 U.S. Hurricane Harvey 30,000
7 Aug. 23, 1992 U.S., Bahamas Hurricane Andrew, storm surge 27,943
8 Sep. 11, 2001 U.S. Terror attacks on WTC, Pentagon and other buildings 25,991
9 Jan. 1, 1994 U.S. Northridge earthquake (Mw 6.7) 25,293
10 Sep. 6, 2008 U.S., Caribbean, Gulf of Mexico Hurricane Ike, floods, damage to oil rigs 23,051

(1) Property and business interruption losses, excludes life and liability losses. Includes flood losses in the United States insured via the National Flood Insurance Program. U.S. natural catastrophe figures based on Property Claim Services data. Adjusted to 2017 dollars by Swiss Re.

Note: Loss data shown here may differ from figures shown elsewhere for the same event due to differences in the date of publication, the geographical area covered and other criteria used by organizations collecting the data.

Source: Swiss Re, sigma, No. 1/2018.

Employment In Insurance, 2016-2025

(Annual averages, 000)
  Insurance carriers Insurance agencies, brokerages and related services  
  Direct insurers (1)            
Year Life and
health (2)		 Property/
casualty		 Reinsurers Total Insurance
agencies
and brokers		 Other
insurance-
related
activities (3)		 Total Total
industry
2016 818.9 643.5 25.3 1,487.7 783.5 321.5 1,105.0 2,592.7
2017 850.4 639.7 26.6 1,516.7 809.6 333.3 1,142.9 2,659.6
2018 882.8 629.5 28.6 1,540.9 825.6 346.2 1,171.8 2,712.7
2019 931.2 650.3 28.6 1,610.1 842.8 349.5 1,192.2 2,802.3
2020 945.6 653.9 27.6 1,627.1 856.5 352.3 1,208.8 2,835.9
2021 908.7 646.9 28.1 1,583.7 886.6 354.5 1,241.2 2,824.9
2022 900.9 684.9 30.2 1,616.0 934.8 367.2 1,302.0 2,918.0
2023 907.9 679.7 30.8 1,618.4 966.6 384.3 1,351.0 2,969.3
2024 903.7 682.9 31.0 1,617.6 996.1 385.7 1,381.7 2,999.3
2025 (4) 888.3 699.3 30.4 1,618.0 1,003.0 392.4 1,395.3 3,013.3

(1) Establishments primarily engaged in initially underwriting insurance policies.
(2) Includes establishments engaged in underwriting annuities, life insurance and health and medical insurance policies.
(3) Includes claims adjusters, third-party administrators of insurance funds and other service personnel such as advisory and insurance ratemaking services.
(4) Preliminary.

Source: U.S. Department of Labor, Bureau of Labor Statistics.

Top 20 Global Captive Domiciles, 2023-2024

    Number of captives
Rank Domicile 2023 2024
1 Vermont 659 683
2 Cayman Islands 658 (1) 670
3 Bermuda 633 (1) 631 (1)
4 Utah 439 462
5 North Carolina 311 293
6 Delaware 283 (2) 285
7 Barbados 261 (2) 273
8 Hawaii 263 272
9 South Carolina 221 231
10 Arizona 176 201
11 Guernsey 204 (1, 2) 197 (1)
12 Luxembourg 195 197
13 Tennessee 165 (2) 175
14 District of Columbia 120 132
15 Isle of Man 98 95
15 Montana 100 93
17 Nevada 100 92
18 Singapore 87 89
19 Texas 79 85
20 Turks & Caicos Islands 74 80
  Total, Top 20 5,126 5,236
  Total, all captives 6,179 6,290

(1) Business Insurance estimate.
(2) Restated.

Source: Business Insurance, April 2025.

Foreign Insurance Sales In The U.S., 2008 (1)

($ millions)
Country/region Purchased directly from foreign firms Purchased through majority-owned U.S. affiliates of multinational corporations (2) Total
Canada $897 $6,520 $7,417
Europe 26,017 33,497 59,514
Latin America and other
Western Hemisphere		 28,546 4,646 33,192
Japan 226 774 1,000
Other (3) 421 2,225 2,646
Total $56,107 $47,662 $103,769

(1) Largely based on premiums. Includes adjustments for "normal" i.e., expected losses and premium supplements (income due to policy holders). Cross-border insurance also includes auxiliary insurance. Includes all types of insurance, including property/casualty, life and reinsurance.
(2) Based on primary industry of the ultimate beneficial owner.
(3) For services purchased through majority-owned U.S. affiliates, includes U.S. affiliates with a foreign parent, but whose ultimate beneficial owner is in the United States.

Source: U.S. Department of Commerce, Bureau of Economic Analysis, International Division.

Average Homeowners Losses, 2019-2023 (1)

(Weighted average, 2019-2023)
Cause of loss Claim frequency (2) Claim severity (3)
Property damage (4) 5.53 $16,857
     Fire and lightning 0.23 88,170
     Water damage and freezing 1.50 15,400
     Wind and hail 2.80 14,747
     Theft 0.12 5,524
     All other (5) 0.88 9,043
Liability (6) 0.09 $29,880
     Bodily injury and property damage 0.06 37,174
     Medical payments and other 0.03 11,886
     Credit card and other (7) 0.03 $16,080
Average (property damage
and liability), 2019-2023		 5.64 $17,059

(1) For homeowners multiple peril policies (HO-2, HO-3, HO-5 and HE-7 for North Carolina). Excludes tenants and condominium owners policies. Excludes Alaska, Texas and Puerto Rico.
(2) Claims per 100 house years (policies).
(3) Accident year incurred losses, excluding loss adjustment expenses, i.e., indemnity costs per accident year incurred claims.
(4) First party, i.e., covers damage to policyholder’s own property.
(5) Includes vandalism and malicious mischief.
(6) Payments to others for which policyholder is responsible.
(7) Includes coverage for unauthorized use of various cards, forgery, counterfeit money and losses not otherwise classified.
(8) Less than 0.01.
(9) Claim severity for credit card and other is significantly lower than was shown in previous years due to a change in the companies surveyed to produce the data. The new selection of companies use different exclusions which have been applied throughout the five years used in this chart.

Source: ISO®, a Verisk Analytics® business.

Homeowners Insurance Losses By Cause, 2019-2023 (1)

(Percent of losses incurred)
Cause of loss 2019 2020 2021 2022 2023
Property damage (2) 96.2% 96.7% 96.3% 97.0% 97.3%
     Wind and hail 38.1 47.7 38.9 45.4 42.5
     Water damage and freezing 28.7 19.8 23.7 25.8 22.6
     Fire and lightning  21.2 21.2 22.8 18.7 21.6
     Theft 1.0 0.6 0.7 0.6 0.6
     All other property damage (3) 7.1 7.4 10.1 6.5 10.0
Liability (4) 3.3% 2.9% 3.4% 2.6% 2.1%
     Bodily injury and property damage 3.0 2.6 3.0 2.3 1.7
     Medical payments and other 0.3 0.3 0.3 0.3 0.4
Credit card and other (5) 0.5 0.4 0.4 0.4 0.6
Total 100.0% 100.0% 100.0% 100.0% 100.0%

(1) For homeowners multiple peril policies (HO-2, HO-3, HO-5 and HE-7 for North Carolina). Excludes tenants and condominium owners policies. Excludes Alaska, Texas and Puerto Rico.
(2) First party, i.e., covers damage to policyholder’s own property.
(3) Includes vandalism and malicious mischief.
(4) Payments to others for which policyholder is responsible.
(5) Includes coverage for unauthorized use of various cards, forgery, counterfeit money and losses not otherwise classified.

Source: ISO®, a Verisk Analytics® business.

Homeowners Insurance Losses, 2019-2023 (1)

Year Claim frequency (2) Claim severity (3) Year Claim frequency (2) Claim severity (3)
2019 5.37 $13,884 2022 5.81 $19,740
2020 6.37 14,864 2023 5.33 20,062
2021 5.34 16,601 Average (4) 5.64 $17,059

(1) For homeowners multiple peril policies (HO-2, HO-3, HO-5 and HE-7 for North Carolina). Excludes tenants and condominium policies. Excludes Alaska, Texas and Puerto Rico.
(2) Claims per 100 house-years (policies). One house-year represents policy coverage on a dwelling for 12 months.
(3) Average amount paid per claim; based on accident year incurred losses, excluding loss adjustment expenses, i.e., indemnity costs per accident year incurred claims.
(4) Weighted average, 2019-2023.

Source: ISO®, a Verisk Analytics® business.

Estimated Value Of Insured Coastal Properties Vulnerable To Hurricanes By State, 2015 (1)

($ billions)
Rank State Commercial Residential Total Coastal Total exposure (2) Coastal as a percent of total
1 New York  $2,093 $1,272 $3,365 $5,571 68%
2 Florida  1,483 1,718 3,200 4,058 79
3 Virginia  92 106 1,993 2,078 10
4 Texas  725 638 1,363 5,358 28
5 Massachusetts  441 511 953 1,765 54
6 New Jersey  373 422 795 2,453 32
7 Connecticut  290 385 675 1,025 64
8 Louisiana  182 147 329 896 38
9 South Carolina  112 126 239 931 26
10 Maine  73 111 184 321 53
11 North Carolina  69 109 178 2,014 8
12 Alabama  63 65 128 1,014 13
13 Georgia  53 56 109 2,171 5
14 Delaware  34 59 93 241 29
15 New Hampshire  32 42 74 328 23
16 Mississippi  36 35 71 527 14
17 Rhode Island  25 46 71 241 22
18 Maryland  8 10 18 1,476 1
  All states above  $6,184 $5,858 $13,838 $32,468 38%
  Total, United States $6,184 $5,858 $13,838 NA 16%

(1) Includes residential and commercial Gulf and East Coast properties, as of December 31, 2015. Ranked by value of total insured coastal property.
(2) Total exposure is an estimate of the actual total value of all property in the state that is insured or can be insured, including the full replacement value of structures and their contents, additional living expenses and the time value of business interruption coverage.

NA=Data not available.

Source: AIR Worldwide.

Participants In The 2008 Weather Risk Management Association Survey (1)

Participation by main line of business   Participation by location of respondent  
     Banking 1      Asia 1
     Energy 4      Europe 5
     Insurance 5      North America 6
     Other 2    
     Total  12      Total 12

(1) Based on companies responding to a survey conducted by PricewaterhouseCoopers for the Weather Risk Management Association; excludes Chicago Mercantile Exchange trades. 

Source: PricewaterhouseCoopers.

Automobile Financial Responsibility Limits By State

(As of December 2023)
State Insurance required Minimum liability limits (1)
Alabama BI & PD Liability 25/50/25
Alaska BI & PD Liability 50/100/25
Arizona BI & PD Liability 25/50/15
Arkansas BI & PD Liability, PIP 25/50/25
California BI & PD Liability 15/30/5 (2)
Colorado BI & PD Liability 25/50/15
Connecticut BI & PD Liability, UM, UIM 25/50/25
Delaware BI & PD Liability, PIP 25/50/10
DC BI & PD Liability, UM 25/50/10
Florida PD Liability, PIP 10/20/10
Georgia BI & PD Liability 25/50/25
Hawaii BI & PD Liability, PIP 20/40/10
Idaho BI & PD Liability 25/50/15
Illinois BI & PD Liability, UM, UIM 25/50/20
Indiana BI & PD Liability 25/50/25
Iowa BI & PD Liability 20/40/15
Kansas BI & PD Liability, PIP, UM, UIM 25/50/15
Kentucky BI & PD Liability, PIP 25/50/25 (3)
Louisiana BI & PD Liability 15/30/25
Maine BI & PD Liability, MED, UM, UIM 50/100/25 (3)
Maryland BI & PD Liability, PIP, UM, UIM 30/60/15 (3)
Massachusetts BI & PD Liability, PIP, UM 20/40/5
Michigan BI & PD Liability, PIP 250/500/10 (4)
Minnesota BI & PD Liability, PIP, UM, UIM 30/60/10
Mississippi BI & PD Liability 25/50/25
Missouri BI & PD Liability, UM 25/50/25
Montana BI & PD Liability 25/50/20
Nebraska BI & PD Liability, UM, UIM 25/50/25
Nevada BI & PD Liability 25/50/20
New Hampshire FR Only 25/50/25
New Jersey BI & PD Liability, PIP, UM, UIM 25/50/25 (5)
New Mexico BI & PD Liability 25/50/10
New York BI & PD Liability, PIP, UM, UIM 25/50/10 (6)
North Carolina BI & PD Liability, UM, UIM 30/60/25
North Dakota BI & PD Liability, PIP, UM, UIM 25/50/25
Ohio BI & PD Liability 25/50/25
Oklahoma BI & PD Liability 25/50/25
Oregon BI & PD Liability, PIP, UM, UIM 25/50/20
Pennsylvania BI & PD Liability, PIP 15/30/5
Rhode Island BI & PD Liability 25/50/25 (3)
South Carolina BI & PD Liability, UM 25/50/25
South Dakota BI & PD Liability, UM, UIM 25/50/25
Tennessee BI & PD Liability 25/50/25
Texas BI & PD Liability 30/60/25
Utah BI & PD Liability, PIP 25/65/15 (3)
Vermont BI & PD Liability, UM, UIM 25/50/10
Virginia BI & PD Liability, UM, UIM 30/60/20 (7)
Washington BI & PD Liability 25/50/10
West Virginia BI & PD Liability, UM 25/50/25
Wisconsin BI & PD Liability, UM 25/50/10
Wyoming BI & PD Liability 25/50/20

(1) The first two numbers refer to bodily injury (BI) liability limits and the third number to property damage (PD) liability. For example, 20/40/10 means coverage up to $40,000 for all persons injured in an accident, subject to a limit of $20,000 for one individual, and $10,000 coverage for property damage.
(2) Low-cost policy limits for low-income drivers in the California Automobile Assigned Risk Plan are 10/20/3.
(3) Instead of policy limits, policyholders can satisfy the requirement with a combined single limit policy. Amounts vary by state.
(4) Lower limits available only with state director approval.
(5) Basic policy (optional) limits are 10/10/5. Uninsured and underinsured motorist coverage not available under the basic policy but uninsured and underinsured motorist coverage is required under the standard policy. Special Automobile Insurance Policy available for certain drivers which only covers emergency treatment and a $10,000 death benefit.
(6) In addition, policyholders must have 50/100 for wrongful death coverage.
(7) Compulsory to buy insurance or pay an uninsured motorists vehicle (UMV) fee to the state department of motor vehicles.

Note: State laws regarding mandatory requirements for uninsured and underinsured motorists vary. State departments of insurance should be consulted to determine whether these coverages are compulsory.

Source: State departments of insurance, Excerpted from Automobile Financial Responsibility Laws and Uninsured/Underinsured Motorist and Umbrella Coverage Requirements, property of American Property Casualty Insurers Association.

Estimated Percentage Of Uninsured Motorists By State, 2017-2023 (1)

State 2017 2018 2019 2020 2021 2022 2023 Rank (2)
Alabama 14.2% 13.4% 13.3% 14.5% 15.5% 15.4% 16.8% 15
Alaska 10.0 11.5 12.2 9.3 10.3 10.0 12.5 24
Arizona 8.0 7.9 7.8 9.4 10.0 10.5 10.6 37
Arkansas 12.1 12.3 10.6 12.9 13.5 13.7 12.1 26
California 15.3 15.8 14.7 19.4 19.9 19.4 20.4 8
Colorado 17.5 17.5 14.0 18.6 19.0 20.3 19.7 9
Connecticut 8.6 7.7 7.8 10.6 11.2 11.7 11.8 29
Delaware 22.3 18.7 15.2 19.0 19.1 19.6 17.6 13
D.C. 13.8 13.3 16.9 24.8 26.0 25.2 23.1 3
Florida (3) 20.9 21.1 21.1 21.7 19.0 20.4 20.6 7
Georgia 16.3 15.5 14.3 16.8 18.1 18.8 19.0 11
Hawaii 6.7 7.7 8.3 9.7 12.1 10.3 9.6 41
Idaho 7.6 5.9 6.0 5.7 5.2 5.7 6.4 49
Illinois 12.8 12.8 13.1 17.5 15.1 15.3 15.2 17
Indiana 10.8 10.6 10.4 13.6 14.5 14.8 14.0 22
Iowa 9.6 8.0 8.6 10.2 10.4 10.6 11.4 33
Kansas 9.0 8.5 9.1 12.4 11.2 10.9 12.0 27
Kentucky 12.0 11.1 10.6 14.1 14.4 15.4 14.1 20
Louisiana 11.2 10.7 8.9 9.8 11.4 13.3 11.7 32
Maine 4.4 4.2 4.2 5.4 4.9 5.5 5.7 51
Maryland 14.6 13.6 14.0 17.6 18.1 17.7 16.9 14
Massachusetts 4.4 3.9 4.1 6.7 7.2 7.9 7.9 45
Michigan 18.7 17.4 20.0 25.4 20.4 20.9 22.3 4
Minnesota 8.3 8.9 8.6 12.3 11.3 11.0 11.3 34
Mississippi 23.4 23.2 22.0 24.1 24.9 25.5 28.2 1
Missouri 15.2 15.6 15.5 19.4 19.0 19.8 20.7 6
Montana 10.1 7.8 6.6 7.5 8.8 7.6 7.2 47
Nebraska 6.2 6.2 6.8 7.8 8.0 8.0 9.5 42
Nevada 9.0 9.5 8.4 8.7 9.2 9.4 11.1 35
New Hampshire 7.8 7.6 6.6 9.2 8.5 7.9 10.0 40
New Jersey 8.2 7.8 7.9 10.6 11.7 13.8 14.1 20
New Mexico 22.3 20.7 21.5 25.8 26.7 28.6 24.1 2
New York 5.4 4.2 4.1 5.7 7.7 9.5 8.6 44
North Carolina 7.1 7.4 6.5 8.7 9.7 10.3 11.8 29
North Dakota 6.8 7.6 4.9 7.2 8.2 10.0 10.6 37
Ohio 14.5 13.3 13.8 18.3 18.7 19.1 18.5 12
Oklahoma 15.7 14.2 12.7 11.9 11.3 12.6 12.0 27
Oregon 9.5 9.4 8.7 11.6 13.2 13.0 14.7 18
Pennsylvania 6.9 6.4 6.0 8.9 10.4 11.0 11.0 36
Rhode Island 11.3 9.5 9.3 12.0 12.4 12.8 12.4 25
South Carolina 8.4 8.5 7.9 8.7 9.4 10.5 10.3 39
South Dakota 8.3 6.1 7.4 7.7 9.3 9.6 9.4 43
Tennessee 16.3 15.2 14.3 18.7 20.1 21.9 21.3 5
Texas 11.5 11.4 11.1 13.6 13.6 14.6 14.5 19
Utah 5.2 5.7 5.0 5.9 6.3 6.7 6.2 50
Vermont 9.3 8.7 6.0 9.8 11.4 11.4 11.8 29
Virginia 10.5 9.9 9.9 13.6 13.8 13.0 12.9 23
Washington 15.3 14.1 11.3 12.6 15.7 19.1 19.1 10
West Virginia 9.1 9.0 8.2 9.3 8.2 8.4 7.8 46
Wisconsin 13.4 13.2 13.0 16.5 15.4 14.7 15.6 16
Wyoming 6.3 5.6 6.5 7.2 6.1 5.9 6.7 48

(1) Percentage of uninsured drivers, as measured by the ratio of uninsured motorists (UM) claims to bodily injury (BI) claims frequencies.
(2) Rank is on 2023 percentage of uninsured motorists, calculated from unrounded data.
(3) In Florida, compulsory auto laws apply to personal injury protection (PIP) and physical damage, but not to third party bodily injury coverage.

Source: Insurance Research Council.

Top Ten Banks In Insurance Brokerage Fee Income, 2006-2007

($000)
      Insurance brokerage fee income     
Rank Bank State 2006 2007 Percent change Percent of noninterest income, 2007 2007 Assets
1 Citibank, N.A. NV $973,000 $1,185,000 21.79% 10.74% $1,251,715,000
2 Branch Banking and Trust Company NC 799,385 836,932 4.70 34.30 127,698,351
3 FIA Card Services, N.A. DE 190,069 256,643 35.03 2.77 161,691,777
4 Bank of America, N.A. NC 186,127 176,778 -5.02 0.95 1,312,794,218
5 Commerce Bank/North NJ 83,084 84,624 1.85 57.19 4,856,937
6 National City Bank OH 59,537 71,607 20.27 3.25 138,755,343
7 BancorpSouth Bank MS 68,555 71,560 4.38 31.37 13,192,320
8 Union Bank of California, N.A. CA 73,234 70,509 -3.72 8.65 55,156,870
9 TD BankNorth, N.A. ME 56,102 56,040 -0.11 12.04 45,485,973
10 Associated Bank, N.A. WI 53,543 41,765 -22.00 14.66 21,335,735
Source: Michael White-Symetra Bank Fee Income Report – 2008. 

Individual Annuity Considerations, 2003-2007 (1)

INDIVIDUAL ANNUITY CONSIDERATIONS, 2003-2007 (1) ($ billions)
      Total
Year Variable Fixed Amount Percent change from prior year
2003 $129.4 $89.4 $218.8 -0.5%
2004 132.9 87.9 220.8 0.9
2005 137.6 78.9 216.5 -1.9
2006 184.2 72.8 257.0 18.7
2007 160.4 78.3 238.7 -7.1
(1) Based on LIMRA’s estimates of the total annuity sales market. Includes some considerations (i.e., premiums) that though bought in group settings involve individual buying decisions.   

Source: LIMRA International.

WORKERS COMPENSATION LAWS FOR DOMESTIC WORKERS BY STATE (A)

As of May 2017
  Type of Law Threshold for Compulsory Coverage
State Excluded (b) Voluntary (c) Compulsory Time Worked Earnings Other
AL   X        
AK     (d)      
AZ   X        
AR   X        
CA     X 52 hours during 90 days prior to injury or exposure to disease Or $100 during 90 days prior to injury or exposure to disease Excludes a household worker employed by the worker's parent, spouse or child
CO     X 40 hours per week or 5 days per week    
CT     X 26 hours per week    
DE     X   $750 per 3 months  
DC     X 240 hours during quarter    
FL   X        
GA   X        
HI     X   $225 per every quarter during preceding 12 months  
ID   X        
IL     X 40 hours per every week for 13 weeks during year    
IN   X        
IA     X   $1,500 during 12 weeks prior to injury  
KS     X     Employer payroll over $20,000 in prior year for all workers
KY     X     2 employees, 40 hours per week
LA X          
ME   X        
MD     X   $1,000 per quarter  
MA     X 16 hours per week    
MI     X 35 hours per every week for 13 weeks during preceding 52 weeks    
MN     X   $1,000 in any 3 month period of current or previous year  
MS   X        
MO   X (e)        
MT   X        
NE   X        
NV   X        
NH     X      
NJ     X (f)      
NM   X        
NY     X 40 hours per week, non-farm    
NC   X        
ND   X        
OH     X   $160 per quarter  
OK     X     Employer payroll in preceding year of $10,000 per worker
OR   X        
PA   X        
RI   X        
SC     X     4 employees per employer; payroll more than $3,000 in previous year
SD     X 20 hours per week for more than 6 weeks in 13 weeks    
TN   X        
TX   X (e)        
UT     X 40 hours per week    
VT   X        
VA X          
WA     X     2 employees; 40 hours per week each
WV   X        
WI   X        
WY X          

(a) Domestic workers include household workers such as babysitters, housecleaners, gardeners, etc.; in some states excludes family members.
(b) Domestic workers are specifically excluded from the workers compensation system.
(c) Employers are permitted to provide workers compensation coverage voluntarily.
(d) Except for part-time babysitters and noncommercial cleaning persons.
(e) Elective or optional.
(f) Coverage is voluntary for domestic workers but on an elective basis, i.e., an employer may elect, in writing, prior to an accident, not to be subject to the law.  However, this requirement renders the law compulsory in practice.  In New Jersey, homeowners insurance policies must contain provisions covering domestic workers.

Source: "Workers Compensation: Exposure, Coverages, Claims,"
ISBN #0-923240-12-8. Standard Publishing Corp., Boston, MA. All rights reserved; PCI.

STATES WITH A STATE-RUN WORKERS COMPENSATION FUND

Competitive with Private Insurers Exclusive
Arizona Maine Oklahoma North Dakota
California Maryland Oregon Ohio
Colorado Minnesota Pennsylvania Washington
Hawaii Missouri Rhode Island Wyoming*
Idaho Montana Texas  
Kentucky New Mexico Utah  
Louisiana New York    

*Compulsory for extra hazardous operations only. Employers with nonhazardous operations may insure with the state fund or opt to go without coverage.

State Young Driver Laws (1)

(As of October 2021)
  Graduated licensing  
     Intermediate phase  
State Learners permit required
for a minimum period		 Restrictions on
night driving (2)		 Passenger
restrictions (3)		 Driver may not operate
a cellphone in learner
and/or intermediate stages (4)
Alabama 6 months X X Talk
Alaska 6 months X X  
Arizona 6 months X X Talk
Arkansas 6 months X X Talk
California 6 months X X Talk
Colorado 12 months X X Talk
Connecticut 6 months X X Talk
Delaware 6 months X X Talk
D.C. 6 months X X Talk
Florida 12 months X X  
Georgia 12 months X X  
Hawaii 6 months X X Talk
Idaho 6 months X X  
Illinois 9 months X X Talk
Indiana 6 months X X  
Iowa 12 months X X Talk
Kansas 12 months X X Talk
Kentucky 6 months X X Talk
Louisiana 6 months X X Talk
Maine 6 months X X Talk
Maryland 9 months X X Talk
Massachusetts 6 months X X Talk
Michigan 6 months X X Talk
Minnesota 6 months X X Talk
Mississippi 12 months X X  
Missouri 6 months X X Text
Montana 6 months X X  
Nebraska 6 months X X Talk
Nevada 6 months X X  
New Hampshire none (5) X X Talk
New Jersey 6 months X X Talk
New Mexico 6 months X X Talk
New York 6 months X X  
North Carolina 6 months X X Talk
North Dakota 6-12 months (6) X X Talk
Ohio 6 months X X Talk
Oklahoma 6 months X X Talk (7)
Oregon 6 months X X Talk
Pennsylvania 6 months X X  
Rhode Island 6 months X X Talk
South Carolina 6 months X X  
South Dakota 9 months X X Talk
Tennessee 6 months X X Talk
Texas 6 months X X Talk
Utah 6 months X X Talk
Vermont  12 months   X Talk
Virginia 9 months X X  
Washington 6 months X X Talk
West Virginia 6 months X X Talk
Wisconsin 6 months X X Talk
Wyoming 10 days X X  

(1) Designed to aid young novice drivers between the ages of 15 and 18 gain driving experience. To date they apply only to drivers under the age of 18. All states have lower blood alcohol content laws for drivers under 21, which range from none to 0.02 grams per deciliter, in contrast with 0.08 grams per deciliter for drivers over the age of 21 in most states. Includes graduated licensing as defined by the National Highway Traffic Safety Administration. Every state has a graduated licensing law.
(2) Intermediate stage; varies by state with regard to age of driver, night hours that driving is restricted, who must accompany driver during night hours and how long and what stage the restrictions are lifted. Exceptions may be made for work, school or religious activities and emergencies.
(3) Intermediate stage; limits the number of teenage passengers a young driver may have in the vehicle.
(4) Only includes states with restrictions on the use of cellphones for talking or texting by young drivers. Does not reference cellphone laws such as bans on handheld cellphones that apply to all drivers in some states.
(5) New Hampshire does not issue learners permits.
(6) Under age 16: 12 months; 16-18: 6 months.
(7) Banned for non-life threatening purposes.

Source: Insurance Institute for Highway Safety.

State Auto Insurance Laws Governing Liability Coverage (1)

(As of December 2023)
  First-party benefits (PIP) (2) Restrictions on Lawsuits Thresholds for Lawsuits
True No-Fault Compulsory Optional Yes No Monetary Verbal
Florida X   X     X
Hawaii X   X   X  
Kansas X   X   X  
Kentucky X   X (3)   X (3)  
Massachusetts X   X   X  
Michigan X   X     X
Minnesota X   X   X  
New Jersey X   X (3)     X (3)
New York X   X     X
North Dakota X   X   X  
Pennsylvania X   X (3)     X (3)
Utah X   X   X  
             
Add-on            
Arkansas X     X    
DC   X X (4) X (4)    
Delaware X     X    
Maryland X     X    
New Hampshire   X   X    
Oregon X     X    
South Dakota   X   X    
Texas   X   X    
Virginia   X   X    
Washington   X   X    
Wisconsin   X   X    

(1) The remaining 28 states auto liability is based on the traditional tort liability system where there are no restrictions on lawsuits.
(2) Personal injury protection. (PIP)
(3) Choice no-fault state. Policyholder can choose a policy based on the no-fault system or traditional tort liability.
(4) The District of Columbia is neither a true no-fault nor add-on state. Drivers are offered the option of no-fault or fault-based coverage, but in the event of a crash a driver who originally chose no-fault benefits has 60 days to decide whether to receive those benefits or file a claim against the other party.

Source: Excerpted from No Fault Benefits and Thresholds-Auto Reparations, property of American Property Casualty Insurers Association.

Occupant Fatality Rates By Vehicle Type, 2014 And 2023

Fatality rate Motorcycles (1) Light trucks Passenger cars
2014      
     Per 100,000 registered vehicles 54.58 7.37 9.11
     Per 100 million vehicle miles traveled 23.00 0.69 0.86
2023      
     Per 100,000 registered vehicles 66.57 6.81 11.61
     Per 100 million vehicle miles traveled 31.39 0.66 1.13
Percent change, 2014-2023      
     Per 100,000 registered vehicles 22.0% -7.6% 27.4%
     Per 100 million vehicle miles traveled 36.5% -4.3% 31.4%

(1) Beginning in 2022, operators and passengers of motorized bicycles are captured as pedalcyclists when involved in a motor vehicle traffic crash.

Source: U.S. Department of Transportation, National Highway Traffic Safety Administration. 

State Motorcycle Helmet Use Laws

As of June 2021
State Universal law Partial law (1)
Alabama X  
Alaska   17 and younger (2)
Arizona   17 and younger
Arkansas   20 and younger
California X  
Colorado   17 and younger and their passengers 17 and younger
Connecticut   17 and younger
Delaware   18 and younger (3)
District of Columbia X  
Florida   20 and younger (4)
Georgia X  
Hawaii   17 and younger
Idaho   17 and younger
Illinois   No law
Indiana   17 and younger
Iowa   No law
Kansas   20 and younger
Kentucky   20 and younger (5)
Louisiana X  
Maine   17 and younger (5)
Maryland X  
Massachusetts X  
Michigan   20 and younger (6)
Minnesota   17 and younger (5)
Mississippi X  
Missouri   25 and younger, over 25 with proof of financial responsibility
Montana   17 and younger
Nebraska X  
Nevada X  
New Hampshire   No law
New Jersey X  
New Mexico   17 and younger 
New York X  
North Carolina X  
North Dakota   17 and younger (7)
Ohio   17 and younger (8)
Oklahoma   17 and younger
Oregon X  
Pennsylvania   20 and younger (9)
Rhode Island   20 and younger (9)
South Carolina   20  and younger
South Dakota   17 and younger
Tennessee X  
Texas   20 and younger (10)
Utah   20 and younger
Vermont X  
Virginia X  
Washington X  
West Virginia X  
Wisconsin   17 and younger (5)
Wyoming   17 and younger

(1) Universal laws cover all riders; partial laws cover young riders or some adult riders.
(2) Alaska’s motorcycle helmet use law covers passengers of all ages, operators younger than 18, and operators with instructional permits.
(3) In Delaware, every motorcycle operator or rider age 19 and older must carry an approved safety helmet.
(4) In Florida the law requires that all riders younger than 21 years wear helmets, without exception. Those 21 years and older may ride without helmets only if they can show proof that they are covered by a medical insurance policy.
(5) Motorcycle helmet laws in Kentucky, Maine, Minnesota, and Wisconsin also cover operators with instructional/learner’s permits. Maine’s motorcycle helmet use law also covers passengers 17 years and younger and passengers if their operators are required to wear a helmet.
(6) In Michigan, the law requires that all riders younger than 21 years wear helmets, without exception. Those 21 years and older may ride without helmets only if they carry additional insurance and have passed a motorcycle safety course or have had their motorcycle endorsement for at least two years. Motorcycle operators who want to exercise this option also must be 21 or older and carry additional insurance.
(7) North Dakota’s motorcycle helmet use law covers all passengers traveling with operators who are covered by the law.
(8) Ohio’s motorcycle helmet use law covers all operators during the first year of licensure and all passengers of operators who are covered by the law.
(9) Pennsylvania’s motorcycle helmet use law covers all operators during the first two years of licensure unless the operator has completed the safety course approved by the Department of Transportation or the Motorcycle Safety Foundation. Rhode Island’s motorcycle helmet use law covers all passengers (regardless of age) and all operators during the first year of licensure (regardless of age).
(10) Texas exempts riders 21 or older if they can either show proof of successfully completing a motorcycle operator training and safety course or can show proof of having a medical insurance policy.

Source: Insurance Institute for Highway Safety, Highway Loss Data Institute.

State Aftermarket Parts Legislation And Regulation (1)

As of August 2016
State Logo, ID number or mfg.'s  name Estimate must identify non-OEM parts Disclosure statement Prior consent
Alabama X X X  
Alaska        
Arizona X X X  
Arkansas X X X X (2)
California X X X  
Colorado X X X  
Connecticut   X X  
Delaware        
D.C.        
Florida   X X  
Georgia X X X  
Hawaii   X X X
Idaho X X X  
Illinois X X X  
Indiana   X   X (3)
Iowa X X X  
Kansas   X X  
Kentucky        
Louisiana X X X  
Maine        
Maryland   X X  
Massachusetts   X X  
Michigan   X X  
Minnesota        
Mississippi X X X  
Missouri X X X  
Montana        
Nebraska X X X X
Nevada   X X  
New Hampshire X X X  
New Jersey X X X  
New Mexico     X  
New York   X   X (4)
North Carolina   X X  
North Dakota        
Ohio X X X X
Oklahoma X X X  
Oregon   X X X (5)
Pennsylvania   X X  
Rhode Island   X X X
South Carolina        
South Dakota X X X  
Tennessee X X X X (6)
Texas        
Utah X X X  
Vermont        
Virginia X   X  
Washington   X    
West Virginia   X X X (7)
Wisconsin X X X  
Wyoming        

(1) This chart covers regulations concerning only aftermarket parts, which are new parts made by a company other than the original vehicle manufacturer. This chart does not cover regulations for using used, rebuilt, or reconditioned parts.
(2) Consent required if vehicle is still under original warranty.
(3) Consent required for the five years after a vehicle's model year.
(4) Prior consent necessary if the repairer uses aftermarket parts from more than three suppliers on any one repair.
(5) Consent required unless an independent test facility has certified the part as being at least equivalent to the original part.
(6) Non-OEM after market crash parts shall not be used on current year model or immediate prior year model motor vehicles without the express permission of the insured or third party claimant.
(7) For vehicles in the year of manufacture or in the two years thereafter.

Source: Property Casualty Insurers Association of America.

Statutes Or Court Cases Holding Alcoholic Beverage Servers Liable

(As of October 2021)
  Commercial servers Social hosts   Commercial servers Social hosts
State Statute (1) Court (2) Statute (3) Court State Statute (1) Court (2) Statute (3) Court
Alabama X   X X Montana X X X  
Alaska X   X   Nebraska     X  
Arizona X X X X Nevada     X (4)  
Arkansas X X     New Hampshire X   X X
California X   X   New Jersey X   X X
Colorado X X X   New Mexico X   X X
Connecticut X X   X (4, 5) New York X   X  
Delaware         North Carolina X X X X (4)
D.C.   X (4)     North Dakota X   X  
Florida X   X X Ohio X X X X (4)
Georgia X   X   Oklahoma   X    
Hawaii   X X   Oregon X X X  
Idaho X X X   Pennsylvania X X   X (4)
Illinois X   X X Rhode Island X      
Indiana X X X X South Carolina X X X X (4)
Iowa X X X X (4) South Dakota        
Kansas         Tennessee X      
Kentucky X X   X (4) Texas X X X X
Louisiana X X X X Utah X   X X
Maine X   X   Vermont X   X X
Maryland         Virginia        
Massachusetts X X X X Washington X X X X (4)
Michigan X   X X (4) West Virginia X X (4)    
Minnesota X   X X Wisconsin X X X X
Mississippi X X X X Wyoming X   X X (4)
Missouri X                

(1) Indicates some form of liability is permitted by statute.
(2) States where common-law liability has not been specifically overruled by statute or where common-law actions are specifically recognized in addition to statutory liability.
(3) Indicates that language is capable of being read broadly enough to include noncommercial servers.
(4) For guests under the age of 21.
(5) Only if host either purveyed or supplied alcohol.

Source: Excerpted from Dram Shop Social Host Liability, property of American Property Casualty Insurers Association.

State Laws Curbing Alcohol-Impaired Driving

(As of January 2022)
  Interlocks (1) required    
    To drive during post-conviction license suspension To reinstate license after conviction    
State To drive during ALS (2)
(first offense)		 First offender Repeat offender First offender Repeat offender ALS (2) mandatory
90-day license suspension (3)		 Open container law (4)
Alabama (5) X X   X X X
Alaska X X X  X  X X  
Arizona     X X   X X X
Arkansas X X X X X X X
California           X X
Colorado X X X    X X X
Connecticut (5) (5) (5) X X X  
Delaware (5) X X     X  
D.C.   X X       X
Florida   (6) X (6) X X X
Georgia     X   X X X
Hawaii X X X X X X  
Idaho     (6) X X X X
Illinois X   X   X X X
Indiana           X X
Iowa X (5) X   X X X
Kansas (5) (5) X X X   X
Kentucky (7) X X       X
Louisiana   X X        
Maine     X     X  
Maryland   X X X X X X
Massachusetts (5)   X   X X X
Michigan (7)   X   X   X
Minnesota (6) (6) X     X X
Mississippi X X X      X  
Missouri     X    X X  
Montana (7)         X X
Nebraska X* X* X* X* X* X X
Nevada           X X
New Hampshire (5) X (5)   X X X
New Jersey (7)   X X X X X
New Mexico X X X X X X X
New York (7) X X X X X X
North Carolina   (6) (5) (6) X   X
North Dakota           X X
Ohio     X     X  
Oklahoma X X X     X X
Oregon   X X X X X X
Pennsylvania (7) (6) X (6) X   X
Rhode Island (7) X X   X   X
South Carolina (7) (6) (5) (6) X   X
South Dakota (7)           X
Tennessee (7) X X   X X  
Texas   X X   X X X
Utah X (5) (5) X X X X
Vermont X X X   X X X
Virginia (5) X X   X    
Washington X X X X X X X
West Virginia X X X   X X X
Wisconsin           X X
Wyoming     X (6) X X  

(1) Ignition interlock devices analyze a driver’s breath for alcohol and disable the ignition if a driver has been drinking. States identified mandate the devices on offenders’ vehicles.
(2) Administrative license suspension, on-the-spot drivers license suspension or revocation if blood alcohol concentration (BAC) is over the legal limit or the driver refuses to take a BAC test.
(3) Mandatory penalty for violation of the implied consent law, which means that drivers who refuse to take a breath alcohol test when stopped or are arrested for alcohol-impaired driving or if BAC is over the legal limit will have their license revoked or suspended.
(4) Prohibits unsealed alcohol containers and alcohol consumption in motor vehicle passenger compartments for all occupants. Counts only laws meeting federal requirements.
(5) No option for driving during suspension.
(6) State does not require interlocks except under certain conditions; see IIHS website.
(7) State has no administrative license suspension for first test failure.

*Interlocks will not be required effective 7/01/22. See IIHS website for other changes effective 7/01/22.

Source: Insurance Institute for Highway Safety; Governors Highway Safety Association. 

Automobile Financial Responsibility Laws By State

(As of July 2018)
State Insurance required (1) Minimum liability limits (2)
AL BI & PD Liab 25/50/25
AK BI & PD Liab 50/100/25
AZ BI & PD Liab 15/30/10
AR BI & PD Liab, PIP 25/50/25
CA BI & PD Liab 15/30/5 (3)
CO BI & PD Liab 25/50/15
CT BI & PD Liab, UM, UIM 25/50/20*
DE BI & PD Liab, PIP 25/50/10
DC BI & PD Liab, UM 25/50/10
FL PD Liab, PIP 10/20/10 (4)
GA BI & PD Liab 25/50/25
HI BI & PD Liab, PIP 20/40/10
ID BI & PD Liab 25/50/15
IL BI & PD Liab, UM, UIM 25/50/20
IN BI & PD Liab 25/50/25*
IA BI & PD Liab 20/40/15
KS BI & PD Liab, PIP 25/50/25
KY BI & PD Liab, PIP, UM, UIM 25/50/25 (4)*
LA BI & PD Liab 15/30/25
ME BI & PD Liab, UM, UIM, Medpay 50/100/25 (5)
MD BI & PD Liab, PIP, UM, UIM 30/60/15
MA BI & PD Liab, PIP 20/40/5
MI BI & PD Liab, PIP 20/40/10
MN BI & PD Liab, PIP, UM, UIM 30/60/10
MS BI & PD Liab 25/50/25
MO BI & PD Liab, UM 25/50/25*
MT BI & PD Liab 25/50/20
NE BI & PD Liab, UM, UIM 25/50/25
NV BI & PD Liab 25/50/20
NH FR only 25/50/25
NJ BI & PD Liab, PIP, UM, UIM 15/30/5 (6)
NM BI & PD Liab 25/50/10
NY BI & PD Liab, PIP, UM, UIM 25/50/10 (7)
NC BI & PD Liab, UM, UIM 30/60/25
ND BI & PD Liab, PIP, UM, UIM 25/50/25
OH BI & PD Liab 25/50/25
OK BI & PD Liab 25/50/25
OR BI & PD Liab, PIP, UM, UIM 25/50/20
PA BI & PD Liab, PIP 15/30/5
RI BI & PD Liab 25/50/25
SC BI & PD Liab, UM, UIM 25/50/25
SD BI & PD Liab, UM, UIM 25/50/25
TN BI & PD Liab 25/50/15 (4)
TX BI & PD Liab, PIP 30/60/25
UT BI & PD Liab, PIP 25/65/15 (4)
VT BI & PD Liab, UM, UIM 25/50/10
VA BI & PD Liab (9), UM, UIM 25/50/20
WA BI & PD Liab 25/50/10
WV BI & PD Liab, UM, UIM 25/50/25
WI BI & PD Liab, UM, Medpay 25/50/10
WY BI & PD Liab 25/50/20

(1) Compulsory Coverages:
BI Liab=Bodily injury liability
PD Liab=Property damage liability
UM=Uninsured motorist
PD=Physical damage
Med=First party (policyholder) medical expenses
UIM=Underinsured motorist
PIP=Personal Injury Protection. Mandatory in no-fault states. Includes medical, rehabilitation, loss of earnings and funeral expenses. In some states PIP includes essential services such as child care.
FR=Financial responsibility only. Insurance not compulsory.
(2) The first two numbers refer to bodily injury liability limits and the third number to property damage liability. For example, 20/40/10 means coverage up to $40,000 for all persons injured in an accident, subject to a limit of $20,000 for one individual, and $10,000 coverage for property damage.
(3) Low-cost policy limits for low-income drivers in the California Automobile Assigned Risk Plan are 10/20/3.
(4) Instead of policy limits, policyholders can satisfy the requirement with a combined single limit policy. Amounts vary by state.
(5) In addition, policyholders must also have coverage for medical payments. Amounts vary by state.
(6) Basic policy (optional) limits are 10/10/5. Uninsured and underinsured motorist coverage not available under the basic policy but uninsured motorist coverage is required under the standard policy. Special Automobile Insurance Policy available for certain drivers which only covers emergency treatment and a $10,000 death benefit.
(7) In addition, policyholders must have 50/100 for wrongful death coverage.
(8) UIM Mandatory in policies with UM limits exceeding certain limits. Amounts vary by state.
(9) Compulsory to buy insurance or pay an Uninsured Motorists Vehicle (UMV) fee to the state Department of Motor Vehicles.

*Effective January 1, 2019.

Source: Property Casualty Insurers Association of America; state departments of insurance and motor vehicles.

Natural Catastrophes By Quarter, 2025 (1)

(2025 $ millions)
Quarter Estimated insured losses
1 $58,811
2 30,807
3 10,926
4 2,536
Full year $103,078

(1) Natural disasters that cause at least $25 million in insured losses; or 10 deaths; or 50 people injured; or 2,000 filed claims or homes and structures damaged. Includes Puerto Rico and the U.S. Virgin Islands. Includes losses sustained by private insurers and government-sponsored programs such as the National Flood Insurance Program. Subject to change as loss estimates are further developed. As of January 2026.

Source: Aon.

Estimated Insured Property Losses, U.S. Natural Catastrophes, 2016-2025 (1)

($ billions)
Year In dollars when occurred In 2025 dollars (2)
2016 $31.9 $43.1
2017 96.2 127.2
2018 60.9 78.6
2019 39.2 49.8
2020 81.1 101.6
2021 93.3 111.8
2022 108.6 119.2
2023 81.1 86.4
2024 115.6 119.6
2025 103.1 103.1

(1) Natural disasters that cause at least $25 million in insured losses; or 10 deaths; or 50 people injured; or 2,000 filed claims or homes and structures damaged. Includes Puerto Rico and the U.S. Virgin Islands. Includes losses sustained by private insurers and government-sponsored programs such as the National Flood Insurance Program. Subject to change as loss estimates are further developed. As of January 2026. Adjusted for inflation by Aon using the U.S. Consumer Price Index.

Source: Aon.

Drivers In Fatal Motor Vehicle Crashes By Age, 2023

  Licensed drivers Drivers in fatal
crashes
Age group Number Percent of
total drivers		 Number Involvement
rate (1)
16 to 20 11,987,688 5.0% 5,133 42.40
21 to 24 14,432,685 6.1 5,101 35.34
25 to 34 41,125,124 17.3 11,916 28.97
35 to 44 40,851,641 17.2 9,876 24.18
45 to 54 37,392,958 15.7 8,116 21.70
55 to 64 38,874,729 16.4 7,560 19.45
65 to 74 32,076,696 13.5 4,954 15.44
Over 74 20,795,179 8.8 3,458 16.63
Total (2) 237,655,885 100.0% 57,939 24.38

(1) Per 100,000 licensed drivers in each age group.
(2) Includes drivers under the age of 15 and of unknown age.

Source: U.S. Department of Transportation, National Highway Traffic Safety Administration; Federal Highway Administration.

State Seatbelt Use Laws

(As of September 2019)
State 2018
usage
rate		 Primary/
secondary
enforcement (1)		 Age requirements Maximum
fine, first
offense		 Damages
reduced (2)
Alabama 91.8% P 15+ yrs. in front seat $25  
Alaska 91.6 P 16+ yrs. in all seats 15 X
Arizona 85.9 S 8+ yrs. in front seat;
8-15 yrs. in all seats		 10 X
Arkansas 78.0 P 15+ yrs. in front seat 25  
California 95.9 P 16+ yrs. in all seats 20 X
Colorado 86.3 S 16+ yrs. in front seat 71 X
Connecticut 92.1 P 8+ yrs. in front seat 50  
Delaware 92.4 P 16+ yrs. in all seats 25  
D.C. 95.1 P 16+ yrs. in all seats 50  
Florida 90.6 P 6+ yrs. in front seat;
6-17 yrs. in all seats		 30 X
Georgia 96.3 P 8-17 yrs. in all seats;
18+ yrs. in front seat		 15-25  
Hawaii 97.8 P 8+ yrs. in all seats 45  
Idaho 85.4 S 7+ yrs. in all seats 10  
Illinois 94.6 P 16+ yrs. in all seats 25  
Indiana 93.4 P 16+ yrs. in all seats 25  
Iowa 93.9 P 18+ yrs. in front seat 25 X
Kansas 84.0 P (3) 14+ yrs. in all seats 60  
Kentucky 89.9 P 7 and younger and more
than 57 inches tall in all seats;
8+ yrs. in all seats		 25  
Louisiana 86.9 P 13+ yrs. in all seats 50  
Maine 88.5 P 18+ yrs. in all seats 50  
Maryland 90.3 P (3) 16+ yrs. in all seats 50  
Massachusetts 81.6 S 13+ yrs. in all seats 25 (4)  
Michigan 93.4 P 16+ yrs. in front seat 25 X
Minnesota 92.4 P 7 and younger and more
than 57 inches tall in all seats;
8+ yrs. in all seats		 25  
Mississippi 80.2 P 7+ yrs. in all seats 25  
Missouri 87.1 S (5) 16+ yrs. in front seat 10 X
Montana 86.6 S 6+ yrs. in all seats 20  
Nebraska 85.5 S 18+ yrs. in front seat 25 X
Nevada 91.9 S 6+ yrs. in all seats 25  
New Hampshire 76.4 No law for adults      
New Jersey 94.5 P (3) 7 yrs. and younger and more
than 57 inches;
8+ yrs. in all seats		 20 X
New Mexico 90.2 P 18+ yrs. in all seats 25  
New York 92.9 P 16+ yrs. in front seat 50 X
North Carolina 91.3 P (3) 16+ yrs. in all seats 25  
North Dakota 82.5 S 18+ yrs. in front seat 20 X
Ohio 84.9 S 8-14 yrs. in all seats;
15+ yrs. in front seat		 30 driver/20 passenger X
Oklahoma 85.6 P 9+ yrs. in front seat 20  
Oregon 95.8 P 16+ yrs. in all seats 115 X
Pennsylvania 88.5 S (5) 18+ yrs. in front seat 10  
Rhode Island 88.8 P 18+ yrs. in all seats 40  
South Carolina 89.7 P 8+ yrs. in all seats 25  
South Dakota 78.9 S 18+ yrs. in front seat 20  
Tennessee 90.9 P 16+ yrs. in front seat 30  
Texas 91.3 P 7 yrs. and younger who
are 57 inches or taller;
8+ yrs. in all seats		 200  
Utah 89.0  P 16+ yrs. in all seats 45  
Vermont 89.8 S 18+ yrs. in all seats 25  
Virginia 84.1 S 18+ yrs. in front seat 25  
Washington 93.2 P 16+ yrs. in all seats 124  
West Virginia 90.5 P 8+ yrs. in front seat;
8-15 yrs. in all seats		 25 X
Wisconsin 89.3 P 8+ yrs. in all seats 10 X
Wyoming 86.3 S 9+ yrs. in all seats 25 driver/10 passenger  
United States 89.6%        

(1) Primary enforcement means police may stop a vehicle and issue a fine for noncompliance with seatbelt laws. Secondary enforcement means that police may issue a fine for not wearing a seatbelt only if the vehicle has been stopped for other traffic violations.
(2) Court awards for compensation for injury may be reduced if seatbelt laws were violated.
(3) Secondary for rear seat occupants, ages vary.
(4) Drivers fined additional $25 for themselves and for every unrestrained passenger age 12 to under 16 years old.
(5) Primary enforcement for children; ages vary.

Source: U.S. Department of Transportation, National Highway Traffic Safety Administration (NHTSA); Insurance Institute for Highway Safety.

Informacion de contacto de las agencias evaluadoras

Informacion de contacto de las agencias evaluadoras
Agency Web site Address Phone number
A.M. Best Company, Inc www.ambest.com Ambest Rd.
Oldwick, NJ 08858		 908-439-2200
Fitch Ratings www.fitchibca.com 1 State Street Plaza
New York, NY 10004		 1-800-75-FITCH
Moody’s Investor Services* www.moodys.com 99 Church Street New York, NY 10007 212-553-0300
Standard & Poor’s Insurance Ratings Services* www2.standardandpoors.com 55 Water Street
New York, NY 10004		 212-438-2000
Weiss Research** www.weissratings.com 15430 Endeavor Drive
Jupiter, FL 33478		 800-289-9222
*Para utilizar estas páginas Web primero debe registrarse, pero es gratuito.
**Weiss cobra $14.99 por cada evaluación. Sin embargo, su página Web pública nombra las 10 compañías con puntajes más altos y las 10 con los más bajos. Además, las mismas compañías pueden revelar las calificaciones de Weiss.

Telefonos de los Administradores de Planes FAIR de los estados en los que estan disponibles

Telefonos de los Administradores de Planes FAIR de los estados en los que estan disponibles
Estado Numero de telefono
Alabama 334-943-4029
California 213-487-0111
Connecticut 860-528-9546
Delaware 215-629-8800
District of Columbia 202-393-4640
Florida JUA 850-513-3700
Florida Windstorm Und. Assoc. 904-296-6105
Georgia 770-923-7431
Hawaii 808-531-1311
Illinois 312-861-0385
Indiana 317-264-2310
Iowa 515-255-9531
Kansas 785-271-2300
Kentucky 502-425-9998
Louisiana FAIR Plan 504-831-6930
Louisiana Beach Plan 504-831-6930
Maryland 410-539-6808
Massachusetts 617-723-3800
Michigan 313-877-7400
Minnesota 612-338-7584
Mississippi 601-981-2915
Missouri 314-421-0170
New Jersey 973-622-3838
New Mexico 505-878-9563
New York 212-208-9700
Ohio 614-839-6446
Oregon 503-643-5448
Pennsylvania 215-629-8800
Rhode Island 617-723-3800
South Carolina 803-737-6180
Texas 512-899-4900
Virginia 804-358-0416
Washington 425-745-9808
West Virginia 215-629-8800
Wisconsin 414-291-5353

Requisitos Minimos De Prueba De Seguro (1)

REQUISITOS MINIMOS DE PRUEBA DE SEGURO (1)
Estado Tipo de seguro requerido (2) Límites mínimos de responsabilidad civil (3) Al momento de matricular el auto Al momento de un accidente En cualquier momento mientras se está en el auto Verificación de seguro por parte de aseguradora (4) Multas por no cumplir con las leyes (primera ofensa)
AL BI & PD Liab 20/40/10 Si Si Si  No aplica Multa de $500; suspensión de la licencia.
AK BI & PD Liab 50/100/25 No No (5) Si b Suspensión de la matrícula/ revocación (6).
AZ BI & PD Liab 15/30/10 No (7) Si Si a,b,d Multa de $250.
AR BI & PD Liab 25/50/25 Si No No d Multa de $50-$250.
CA BI & PD Liab 15/30/5 (8) Si Si Si b Multa de $100-$200.
CO BI & PD Liab 25/50/15 Si Si Si a,d Suspensión de la licencia;  multa de $500.
CT BI & PD Liab, UM, UIM 20/40/10 Si Si Si a,d Suspensión o revocación de Matrícula/ placa; retención de las placas o vehículo (confiscados); multas de entre $110-$250.
DE BI & PD Liab, PIP 15/30/10 No Si Si a,c Multas entre $1,500-$2,000 y suspensión de la licencia hasta por 6 meses.
DC BI & PD Liab, UM 25/50/10 Si No No a,c Multas entre $300-$500 o un máximo de 30 días de cárcel.
FL PD Liab, PIP 10/20/10 (9) Si Si Si a,d Revocación de la licencia por 60 días; retención (confiscados) de placas o vehículo en ofensas subsecuentes y retención de las placas en los condados de Dade, Broward y Hillsborough (6).
GA BI & PD Liab 25/50/25 Si Si Si a Suspensión de la licencia por 60 días y suspensión de la matricula.
HI BI & PD Liab, PIP 20/40/10 No Si Si Ninguno Multa de $1,000.
ID BI & PD Liab 25/50/15 No Si Si a,c Multa de $75.
IL BI & PD Liab, UM 20/40/15 Si Si Si a,c Multa de $500; suspensión de la matricula por 60 días (6).
IN BI & PD Liab 25/50/10 Si   Si  No a,b Suspensión de un año (12 meses) tanto de la licencia y matricula o una u otra y un cargo de 150 dólares por reinstaurarlas.
IA BI & PD Liab 20/40/15 No Si Si a Multa de $100.
KS BI & PD Liab, PIP, UM 25/50/10 Si No No d Multa de entre $300-$1,000; máximo de 6 meses de cárcel.
KY BI & PD Liab, PIP 25/50/10 Si Si Si d Multas de entre $500-$1,000 y/o hasta 90 días de cárcel.  
LA BI & PD Liab 10/20/10 Si No (e) Si a,d Multas de $25 hasta $500; placas confiscadas y/o vehículos retenidos (6).
ME BI & PD Liab, UM, UIM  50/100/25 (10) No Si Si a Multas entre $100-$500; suspensión de la matrícula o licencia por 30 días.
MD BI & PD Liab, PIP (11), UM 20/40/15 Si No No a,c Multas de hasta $1,000 y/o cárcel de hasta un año.
MA BI & PD Liab, PIP, UM 20/40/5 Si No No a Multas de $500 (6).
MI BI & PD Liab, PIP 20/40/10 Si No No a Multas de $200 (6).
MN BI & PD Liab, PIP, UM, UIM 30/60/10 No Si Si c Revocación de licencia y/o matrícula hasta por 6 meses (6).
MS BI & PD Liab 25/50/25 No Si Si a Suspensión de matrícula o licencia y multas de hasta $500.
MO BI & PD Liab, UM 25/50/10 Si Si Si a,c Revocación de matrícula y licencia (6).
MT BI & PD Liab 25/50/10 No Si Si a Multas de $250-$500 o hasta 10 días de cárcel.
NE BI & PD Liab 25/50/25 Si Si Si a,d Multas de $500 (6): Suspensión de la licencia y la matrícula.
NV BI & PD Liab 15/30/10 No Si Si a,d Multas de $100 (6).
NH FR only, UM 25/50/25 No No (5) No Ninguno Ninguna
NJ BI & PD Liab, PIP, UM 15/30/5 (12) No Si Si d Multas de $300-$1,000, servicio comunitario y hasta 12 meses de suspensión de la licencia.
NM BI & PD Liab 25/50/10 Si No No a,c Multas de $100 (6).
NY BI & PD Liab, PIP, UM 25/50/10 (13) Si Si Si a,d Licencia revocada por un año.
NC BI & PD Liab 30/60/25 No No No a,d Suspensión de la matrícula por 60 días (6).
ND BI & PD Liab, PIP, UM 25/50/25 No No (5) No a Multa de $150; revocación de la matrícula; suspensión de la licencia (6).
OH BI & PD Liab 12.5/25/7.5 No Si Si a Suspensión de la licencia por 90 días y una multa de 75 dólares pare reinstaurarla.
OK BI & PD Liab 25/50/25 Si Si Si a Multa hasta $500 y cárcel hasta un máximo de 6 meses (6).
OR BI & PD Liab, PIP, UM 25/50/10 No Si Si a,c Suspensión de la licencia y/o revocación (6).
PA BI & PD Liab, PIP 15/30/5 No Si Si a Suspensión de la licencia y la matrícula; retención de placas (confiscadas) (6).
RI BI & PD Liab, UM 25/50/25 (9) No No No a,c Multas de $100-$500; hasta 3 meses de suspensión de la licencia o de la matrícula.
SC BI & PD Liab, UM 15/30/10 Si Si Si a,d Multas de entre $100-$200; menos de 30 días de cárcel.
SD BI & PD Liab, UM 25/50/25 No Si Si a Suspensión de la licencia por 1 año (6).
TN FR only 25/50/10 (9) No No Si  (14) a Multas de $100.
TX BI & PD Liab 20/40/15 Si Si * a Multas de entre $175-$350.
UT BI & PD Liab, PIP 25/50/15 (9) No Si Si a Multas de $400.
VT BI & PD Liab, UM, UIM 25/50/10 No Si Si a Multas de menos de $100 (6).
VA BI & PD Liab, UM 25/50/20 No No No a,b,c Ninguna
WA BI & PD Liab 25/50/10 No No No a Multas de $250; Restitución a la comunidad (6).  
WV BI & PD Liab, UM 20/40/10 Si Si Si a Suspensión de la licencia por 30 días; revocación de la matrícula; multas de $200-$5,000.
WI FR only, UM 25/50/10 No No No a Revocación e la licencia y de la matrícula (6).
WY BI & PD Liab 25/50/20 Si Si Si a Multas de hasta $750; cárcel de hasta 6 meses.

(1) Prueba de seguro vigente. La forma de la evidencia comprobatoria de éste varía de estado en estado y puede requerir desde la emisión de la póliza, un comprobante, un certificado de autoseguro, fianzas o certificado de depósito. La auto certificación en la cual el conductor solo necesita identificarse por escrito con el número de póliza y aseguradora, en vez de demostrarlo en persona, no está incluida.
(2) Coberturas obligatorias:
BI Liab = Responsabilidad civil por daños físicos personales (Bodily Injury Liability).
PD Liab =Responsabilidad civil por daños causados a la propiedad  (Property damage liability).
UM = Motoristas no asegurados (Uninsured motorist).
PD = Daños físicos (Physical damage).
Med = Cobertura de gastos médicos para el asegurado o conductor (First party – policyholder- medical expenses).
UIM = Motorista sub-asegurado (Underinsured motorist).
PIP = Protección personal para daños propios (Personal Injury Protection). Este seguro es obligatorio en los estados que se optan por la ley de “sin culpables”. Incluye gastos médicos, rehabilitación, pérdida de los ingresos y gastos de funeral. En algunos estados la cobertura PIP incluye servicios esenciales para personas afectadas como cuidados de menores dependientes.
FR = Responsabilidad financiera solamente. Poseer seguro no es obligatorio.
(3) Los dos primeros números refieren a los límites de responsabilidad civil por daños físicos personales causados y el tercer número indica el límite de cobertura mínimo requerido para daños causados a la propiedad de terceros. Por ejemplo 20/40/10 significa un mínimo de cobertura de 40 mil dólares por cada accidente sufrido, un mínimo de cobertura de 20 mil dólares en gastos médicos por cada persona involucrada en el accidente hasta el máximo de cobertura y los 10 mil dólares del tercer numero significan que proveerá de cobertura de hasta 10 mil dólares por gastos incurridos a la propiedad de terceros.
(4) a. El asegurado deberá notificar al Departamentos de Vehículos Automotores o la agencia estatal correspondiente de cualquier cancelación o no renovación del seguro. b. El asegurado deberá demostrar responsabilidad financiera o prueba de seguro en el evento de un accidente o de un arresto. c. El asegurado deberá proveer verificación en el caso de ser seleccionado al azar para mostrar cumplimiento con esta ley y cuando le sea solicitado.  d. El asegurado deberá proveer prueba de seguro existente y esta puede ser comparada con la información existente en la base de datos del estado.
(5)  El asegurado deberá proveer prueba del seguro vigente en cualquier momento después de un accidente ya sea al Departamento de Seguros del estado, la agencia de vehículos, otra agencia relacionada o a oficiales del orden público. Las fechas específicas para esta comprobación varían de estado a estado.
(6) La ley provee las multas citadas pero son discrecionales con respecto a su aplicación en el caso de primeras ofensas.
(7) Debe proveerse prueba de seguro en los treinta (30) días inmediatamente seguidos de la matriculación del auto.
(8) El programa conocido como California Automobile Assigned Risk Plan de pólizas de seguros con límites menores para personas con pocos ingresos de las zonas de Los Ángeles y San Francisco, establece unos límites de 10/20/3. Este programa tendrá efecto entre el primero de enero de 2000 hasta el primero de enero de 2007.
(9) En lugar de límites a las pólizas los asegurados deberán satisfacer los requisitos con un solo límite combinado por póliza. Los montos de este límite combinado único varían de acuerdo al estado.
(10) Además, los asegurados deben poseer al menos una cobertura de 1.000 dólares para pagos de gastos médicos.
(11) Puede ser electiva para la protección del asegurado pero sí debe incluir cobertura para los pasajeros del auto.
(12) Los límites de la póliza básica son de 10/10/5. La cobertura de Motoristas no asegurados y Motoristas sub-asegurados (UM y UIM) no está disponible bajo la póliza básica pero esta protección (UM) está incluida bajo la póliza estándar.
(13) Adicionalmente, los asegurados deben poseer la cobertura de 50/100 para protección en caso de muerte (wrongful death coverage).
(14) Aunque está definida como responsabilidad financiera, la ley del estado de Tennessee es similar a la obligatoriedad de tener seguro porque los conductores pueden estar sujetos a multas si en caso de requisas no pueden demostrar posesión de seguro y en caso e un accidente no pueden probar que pueden responder financieramente (responsables financieramente).

*SB 1670, que entró en vigencia el 1ro. de septiembre de 2005, requiere que el Departamento de Seguros de Texas pueda verificar el seguro de los vehículos por medio de un sistema computarizado de verificación. 

Fuente: Asociación de Aseguradores de Property Casualty de EE.UU. (Insurers Association of America) y los departamentos de seguro de vehículos automotores de los varios estados.

Ratings Agency Contact Information

All of the ratings agencies can be found on the Web, or reached by phone.
Agency Website Address Phone number
A.M. Best Company, Inc www.ambest.com Ambest Rd.
Oldwick, NJ 08858		 908-439-2200
Fitch Ratings www.fitchratings.com 33 Whitehall St.
New York, NY 10004		 212-908-0500
Kroll Bond Rating
Agency, Inc. (KBRA)		 www.kbra.com 805 Third Avenue, 8th Fl
New York, NY 10022		 212-702-0707
Moody’s Investor Services* www.moodys.com 7 World Trade Center,
250 Greenwich St,
New York, NY		 212-553-0300
Standard & Poor’s
Insurance Ratings
Services*		 www.spglobal.com/ratings/en 55 Water Street
New York, NY 10004		 800-786-8980

*To use these Websites, you have to register, but the service is free.

FAIR Plan Administrator Phone Numbers

State Telephone number
Alabama 334-943-4029
California 213-487-0111
Connecticut 860-528-9546
Delaware 215-629-8800
District of Columbia 202-393-4640
Florida JUA 850-513-3700
Florida Windstorm Und. Assoc. 904-296-6105
Georgia 770-923-7431
Hawaii 808-531-1311
Illinois 312-861-0385
Indiana 317-264-2310
Iowa 515-255-9531
Kansas 785-271-2300
Kentucky 502-425-9998
Louisiana FAIR Plan 504-831-6930
Louisiana Beach Plan 504-831-6930
Maryland 410-539-6808
Massachusetts 617-723-3800
Michigan 313-877-7400
Minnesota 612-338-7584
Mississippi 601-981-2915
Missouri 314-421-0170
New Jersey 973-622-3838
New Mexico 505-878-9563
New York 212-208-9700
Ohio 614-839-6446
Oregon 503-643-5448
Pennsylvania 215-629-8800
Rhode Island 617-723-3800
South Carolina 803-737-6180
Texas 512-899-4900
Virginia 804-358-0416
Washington 425-745-9808
West Virginia 215-629-8800
Wisconsin 414-291-5353