| ALL Direct Written Premium (DPW) | Ind Agent DPW | Excl.-Captive DPW | Direct DPW | Surplus Lines DPW | | $463,291,000 | $343,820,000 | $87,102,000 | $31,284,000 | $17,295,000 | | | | | | | | 2019 to 2023 Ave Commission % (All Insurers) | Ind Agent Penetration | Excl.-Captive Penetration | Direct Penetration | Surplus Lines Utilization | | 15.5% | 15.5% | 15.6% | 15.5% | 15.3% | 74% | 19% | 7% | 3.7% | | | | | | | Active Affiliated and Unaffiliated | IA+MGA+IA-Mixed | Excl.-Captive | Direct | Surplus Lines Insurers | | 280 | 232 | 23 | 15 | 57 | | | | | | | | 1-yr | 5-yr Premium Growth: All Premium | 1-yr | 5-yr: IA+MGA+IA-Mixed | 1-yr | 5-yr: Excl.-Captive | 1-yr | 5-yr: Direct | 1-yr | 5-yr: Surplus Lines | | 17% | 11% | 18% | 11% | 14% | 9% | 22% | 21% | 28% | 20% | | | | | | | | Top 5 Groups | 1-yr DPW | 1-yr LR | CR | 1-yr Growth | Comm% | Largest Insurer in Group or "N/A" | | Nationwide Property & Casualty Group (G) | $53,490,000 | 41% | 74% | 0% | 15% | Crestbrook Insurance Company | | Travelers Group (G) | $48,469,000 | 14% | 42% | 16% | 15% | Travelers Property Casualty Co of Amer | | State Farm Group (G) | $45,624,000 | 73% | 101% | 22% | 12% | State Farm Fire and Casualty Company | | Auto-Owners Insurance Group (G) | $33,645,000 | 67% | 98% | 47% | 18% | Owners Insurance Company | | W. R. Berkley Insurance Group (G) | $23,189,000 | 33% | 64% | 29% | 16% | Continental Western Insurance Company | | Total or Average | $463,291,000 | 0% | 0% | 17% | 15% | N/A | | | | | | Top 5 Pure Independent Agent-Broker Policy-Issuing Insurers
| Group or "N/A" | | Owners Insurance Company | $20,057,000 | 67% | 98% | 46% | 18% | Auto-Owners Insurance Group | | Philadelphia Indemnity Insurance Company | $16,194,000 | 16% | 50% | 24% | 16% | Tokio Marine US PC Group | | Motorists Commercial Mutual Insurance Co | $14,712,000 | 31% | 61% | 27% | 17% | Encova Mutual Insurance Group | | Cincinnati Insurance Company | $14,612,000 | 55% | 93% | 20% | 17% | The Cincinnati Insurance Companies | | Auto-Owners Insurance Company | $13,226,000 | 70% | 98% | 49% | 18% | Auto-Owners Insurance Group | Top 3 MGA/Wholesale Policy-Issuing Insurers
| Group or "N/A" | | National Specialty Insurance Company | $1,485,000 | 70% | 89% | 23% | 16% | Markel Insurance Group | | Western World Insurance Company | $1,001,000 | 36% | 67% | 8% | 23% | American International Group | | Houston Casualty Company | $979,000 | 72% | 107% | 134% | 31% | Tokio Marine US PC Group | | Top 3 Exclusive-Captive Policy-Issuing Insurers | Group or "N/A" | | State Farm Fire and Casualty Company | $45,624,000 | 73% | 99% | 22% | 12% | State Farm Group | | Farm Bureau Property & Casualty Ins Co | $11,812,000 | 58% | 94% | 26% | 16% | Farm Bureau Property & Casualty Group | | American Family Insurance Company | $10,488,000 | -26% | 1%
| 55% | 11% | American Family Insurance Group | | Top 3 Direct Policy-Issuing Insurers | Group or "N/A" | | Crestbrook Insurance Company | $13,265,000 | 22% | 38% | 49% | 14% | Nationwide Property & Casualty Group | | Nationwide Agribusiness Insurance Co | $9,874,000 | 5% | 22% | 3% | 10% | Nationwide Property & Casualty Group | | Nationwide General Insurance Company | $2,769,000 | 53% | 77% | 0% | 18% | Nationwide Property & Casualty Group | Top 3 Surplus Lines Policy Issuing Insurers
| Group or "N/A" | | Scottsdale Insurance Company | $2,613,000 | 21% | 42% | -6% | 22% | Nationwide Property & Casualty Group | | Princeton Excess & Surplus Lines Ins Co | $1,985,000 | -16% | 18% | 21% | 27% | Munich-American Holding Corp Cos | | Western World Insurance Company | $1,001,000 | 36% | 67% | 8% | 23% | American International Group | Top Individual RRG
| Group or "N/A" | | N/A | $0 | N/A | N/A | N/A | N/A | N/A
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Source: © A.M. Best Company — used by permission. |