| ALL Direct Written Premium (DPW) | Ind Agent DPW | Excl.-Captive DPW | Direct DPW | Surplus Lines DPW | | $401,127,000 | $354,922,000 | $25,482,000 | $18,760,000 | $27,000 | | | | | | | | 2019 to 2023 Ave Commission % (All Insurers) | Ind Agent Penetration | Excl.-Captive Penetration | Direct Penetration | Surplus Lines Utilization | | 8.0% | 8.0% | 8.3% | 8.0% | 8.2% | 88% | 6% | 5% | 0.0% | | | | | | | Active Affiliated and Unaffiliated | IA+MGA+IA-Mixed | Excl.-Captive | Direct | Surplus Lines Insurers | | 289 | 252 | 19 | 12 | 2 | | | | | | | | 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 | | 3% | 2% | 3% | 3% | 7% | 0% | -13% | -5% | N/A | N/A | | | | | | | | Top 5 Groups | 1-yr DPW | 1-yr LR | CR | 1-yr Growth | Comm% | Largest Insurer in Group or "N/A" | | Travelers Group (G) | $50,466,000 | 78% | 105% | 2% | 8% | Travelers Property Casualty Co of Amer | | Zurich Insurance US PC Group (G) | $33,656,000 | 37% | 60% | 22% | 2% | Zurich American Insurance Company | | AF Group (G) | $28,223,000 | 90% | 123% | 8% | 11% | Accident Fund General Insurance Co | | Markel Insurance Group (G) | $20,673,000 | 57% | 83% | 6% | 11% | FirstComp Insurance Company | | EMC Insurance Companies (G) | $17,091,000 | 55% | 88% | -9% | 10% | Employers Mutual Casualty Company | | Total or Average | $401,124,000 | 62% | 91% | 3% | 8% | N/A | | | | | | | Top 5 Pure Independent Agent-Broker Policy-Issuing Insurers | Group or "N/A" | | Travelers Property Casualty Co of Amer | $16,609,000 | 112% | 127% | -11% | 6% | Travelers Group | | Accident Fund General Insurance Co | $12,764,000 | 96% | 113% | 16% | 10% | AF Group | | SFM Mutual Insurance Company | $11,867,000 | 94% | 136% | 7% | 10% | SFM Companies | | Employers Mutual Casualty Company | $11,048,000 | 40% | 73% | -5% | 9% | EMC Insurance Companies | | FirstComp Insurance Company | $11,019,000 | 39% | 67% | 5% | 11% | Markel Insurance Group | Top 3 MGA/Wholesale Policy-Issuing Insurers
| Group or "N/A" | | Markel Insurance Company | $2,931,000
| 127% | 166% | -7% | 11% | Markel Insurance Group | | Stonetrust Commercial Insurance Company | $2,136,000 | 72% | 128% | -20% | 17% | Stonetrust Insurance Group | | Praetorian Insurance Company | $1,273,000 | 268% | 310% | 89% | 17% | QBE North America Insurance Group | Top 3 Exclusive-Captive Policy-Issuing Insurers
| Group or "N/A" | | Farm Bureau Property & Casualty Ins Co | $5,306,000 | 37% | 63% | 17% | 6% | Farm Bureau Property & Casualty Group | | State Farm Fire and Casualty Company | $4,596,000 | 32% | 56% | 3% | 9% | State Farm Group | | Federated Mutual Insurance Company | $4,145,000 | 31% | 59% | 14% | 0% | Federated Mutual Group | Top 3 Direct Policy-Issuing Insurers
| Group or "N/A" | | LM Insurance Corporation | $5,602,000 | 42% | 48% | -5% | 0% | Liberty Mutual Insurance Companies | | Service American Indemnity Company | $3,860,000 | 64% | 95% | -16% | 19% | Service Insurance Group | | Nationwide Agribusiness Insurance Co | $3,846,000 | 53% | 73% | -15% | 8% | Nationwide Property & Casualty Group | Top 3 Surplus Lines Policy Issuing Insurers
| Group or "N/A" | | Houston Specialty Insurance Company | $17,000 | 0% | 24% | N/A | 18% | Skyward Specialty Insurance Group | | Mobilitas Insurance Company | $10,000 | 45% | 65% | N/A | 10% | CSAA Insurance Group | | N/A | $0 | N/A | N/A | N/A | N/A | N/A | 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.
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