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| ALL Direct Written Premium (DPW) | Ind. Agent DPW | Exclusive-Captive Agents DPW | Direct DPW | Surplus Lines DPW | $7,570,545,000
| $5,048,663,000
| $1,841,660,000
| $639,121,000
| $373,011,000
|
| | | | | 2019 to 2023 Ave Commission % (All Insurers)
| Ind Agent Penetration
| Exclusive-Captive Penetration | Direct Penetration | Surplus Lines Utilization | 11.8% | 12.2% | 11.9% | 11.6% | 11.8%
| 67%
| 24%
| 8% | 4.9% |
| |
| | | | Active Affiliated and Unaffiliated Insurers | IA+MGA+IA-Mixed Insurers | Exclusive-Captive Insurers | Direct Insurers | Surplus Lines Insurers | 817
| 615
| 52
| 91
| 145
| | | | | | | | 1-Year | 5-Year Premium Growth: All Premium | 1-yr | 5-yr: IA+MGA+IA-Mixed | 1-yr | 5-yr: Exclusive | 1-yr | 5-yr: Direct | 1-yr | 5-yr: Surplus Lines | 10% | 10%
| 9% / 11% | 11% | 8% | 12% | 6% | 37% | 29% | | | | | | | | Top 5 Groups or Unaffiliated Single(s) | 1-Year DPW | 1-Year Loss Ratio | CR
| 1-Year Growth Rate | Comm%
| Largest Insurer in Group or "N/A"
| | State Farm Group (G) | $733,752,000
| 71% | 96%
| 13% | 11% | State Farm Fire and Casualty Company
| | Zurich Insurance US PC Group (G) | $479,360,000
| 112% | 132%
| -1% | 9% | Rural Community Insurance Company
| Farmers Mutual Insurance Co. of Nebraska
| $472,715,000
| 70% | 99%
| 15% | 15% | N/A | Chubb INA Group (G)
| $376,789,000
| 102% | 122%
| 5% | 10% | ACE Property and Casualty Insurance Co | Nationwide Property & Casualty Group (G)
| $370,751,000
| 61% | 92%
| 4% | 14%
| Nationwide Mutual Insurance Company
| | Total or Average | $7,544,842,000
| 74% | 101%
| 9% | 12%
| N/A | | | | | | | Top 5 Pure Independent Agent-Broker Policy-Issuing Insurers | | Farmers Mutual Insurance Co of Nebraska | $472,715,000
| 70% | 99%
| 15% | 15%
| N/A
| NAU Country Insurance Company
| $306,524,000
| 138% | 156%
| 11% | 13%
| QBE North America Insurance Group | ACE Property and Casualty Insurance Co
| $226,348,000
| 131% | 150%
| 3% | 8%
| Chubb INA Group
| Progressive Northern Insurance Company
| $221,332,000
| 63% | 85%
| 10% | 10% | Progressive Insurance Group
| | Great American Insurance Company | $105,638,000 | 81% | 104% | -7% | 11%
| Great American P & C Insurance Group | | Top 3 MGA/Wholesale Policy-Issuing Insurers | Stratford Insurance Company
| $40,122,000 | 175% | 179%
| 2% | 6%
| American International Group
| FMH Ag Risk Insurance Company
| $12,585,000
| 108% | 117%
| -9% | 9%
| FMH Insurance Group
| Gemini Insurance Company
| $10,140,000
| 68% | 84%
| -5% | 13% | W. R. Berkley Insurance Group
| | Top 3 Exclusive-Captive Policy-Issuing Insurers | | State Farm Fire and Casualty Company | $387,858,000
| 68% | 92%
| 11% | 11%
| State Farm Group | | State Farm Mutual Automobile Ins Co | $345,894,000 | 75% | 100%
| 16% | 10%
| State Farm Group | | Farm Bureau Property & Casualty Ins Co | $284,632,000
| 72% | 105%
| 17% | 15%
| Farm Bureau Property & Casualty Group | | Top 3 Direct Policy-Issuing Insurers | | Progressive Universal Insurance Company | $129,292,000
| 64% | 72%
| 23% | 0%
| Progressive Insurance Group | | United Services Automobile Association | $61,093,000 | 70% | 92%
| 9% | 0%
| USAA Group | Nationwide Agribusiness Insurance Co
| $51,169,000 | 58% | 81% | 24% | 14%
| Nationwide Property & Casualty Group | | Top 3 Surplus Lines Policy Issuing Insurers | Starr Surplus Lines Insurance Company
| $63,342,000
| 24% | 34% | 530% | 4%
| Starr International Group
| National Fire & Marine Insurance Co
| $24,954,000 | 56% | 83% | 32% | 6%
| Berkshire Hathaway Insurance Group | Lexington Insurance Company
| $16,002,000
| 110% | 138%
| 37% | 15%
| American International Group
| | Top Individual RRG | | United Educators Ins, a Reciprocal RRG | $3,752,000
| -8% | 4%
| 3% | 2% | N/A
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Source: © A.M. Best Company — used by permission.
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