| ALL Direct Written Premium (DPW) | Ind Agent DPW | Excl.-Captive DPW | Direct DPW | Surplus Lines DPW | | $1,225,410,000 | $494,566,000 | $604,828,000 | $126,016,000 | $1,267,000 | | | | | | | | 2019 to 2023 Ave Commission % (All Insurers) | Ind Agent Penetration | Excl.-Captive Penetration | Direct Penetration | Surplus Lines Utilization | | 12.3% | 12.5% | 12.6% | 12.4% | 12.5% | 40% | 49% | 10% | 0.1% | | | | | | | Active Affiliated and Unaffiliated | IA+MGA+IA-Mixed | Excl.-Captive | Direct | Surplus Lines Insurers | | 108 | 65 | 20 | 23 | 6 | | | | | | | | 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 | | 14% | 10% | 20% | 12% | 12% | 11% | 11% | 11% | 41% | 26% | | | | | | | | Top 5 Groups | 1-yr DPW | 1-yr LR | CR | 1-yr Growth | Comm% | Largest Insurer in Group or "N/A" | | State Farm Group (G) | $271,269,000 | 64% | 89% | 11% | 11% | State Farm Fire and Casualty Company | | Farmers Mutual Insurance Co of Nebraska | $126,304,000 | 77% | 106% | 12% | 15% | N/A | | American Family Insurance Group (G) | $125,249,000 | 35% | 65% | 14% | 12% | American Family Mutual Ins Co, S.I. | | Nationwide Property & Casualty Group (G) | $109,333,000 | 62% | 92% | 13% | 13% | Nationwide Mutual Insurance Company | | Allstate Insurance Group (G) | $95,351,000 | 39% | 63% | 26% | 12% | Allstate Vehicle and Property Ins Co | | Total or Average | $1,219,384,000 | 57% | 83% | 14% | 13% | N/A | | | | | | | Top 5 Pure Independent Agent-Broker Policy-Issuing Insurers | Group or "N/A" | | Farmers Mutual Insurance Co of Nebraska | $126,304,000 | 77% | 106% | 12% | 15% | N/A | | Allstate Vehicle and Property Ins Co | $55,029,000 | 34% | 47% | 16% | 11% | Allstate Insurance Group | | Auto-Owners Insurance Company | $49,013,000 | 66% | 92% | 46% | 18% | Auto-Owners Insurance Group | | Travelers Personal Insurance Company | $45,567,000 | 62% | 80% | 27% | 16% | Travelers Group | | Nationwide Insurance Company of America | $28,268,000 | 60% | 78% | 2% | 13% | Nationwide Property & Casualty Group | | Top 3 MGA/Wholesale Policy-Issuing Insurers | Group or "N/A" | | Spinnaker Insurance Company | $2,123,000 | 24% | 48% | 9% | 18% | Spinnaker Insurance Group | | Branch Insurance Exchange | $635,000 | 49% | 72% | 68% | 16% | N/A | | Evanston Insurance Company | $603,000 | 38% | 75% | 139% | 24% | Markel Insurance Group | Top 3 Exclusive-Captive Policy-Issuing Insurers
| Group or "N/A" | | State Farm Fire and Casualty Company | $271,269,000 | 64% | 88% | 11% | 11% | State Farm Group | | Farm Bureau Property & Casualty Ins Co | $73,277,000 | 55% | 85% | 14% | 15% | Farm Bureau Property & Casualty Group | | Nationwide Mutual Insurance Company | $60,243,000 | 68% | 100% | 16% | 13% | Nationwide Property & Casualty Group | Top 3 Direct Policy-Issuing Insurers
| Group or "N/A" | | United Services Automobile Association | $30,106,000 | 66% | 87% | 8% | 0% | USAA Group | | USAA Casualty Insurance Company | $17,008,000 | 55% | 69% | 16% | 0% | USAA Group | | Homesite Insurance Company | $16,357,000 | 32% | 59% | 47% | 13% | American Family Insurance Group | Top 3 Surplus Lines Policy Issuing Insurers
| Group or "N/A" | | Evanston Insurance Company | $603,000 | 38% | 75% | 139% | 24% | Markel Insurance Group | | Chubb Custom Insurance Company | $495,000 | 123% | 139% | 18% | 12% | Chubb INA Group | | Scottsdale Insurance Company | $89,000 | 112% | 139% | -43% | 22% | Nationwide Property & Casualty 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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