2017 to 2019 saw a 4.7% overall increase in direct written premium (DWP) across all lines reviewed. Notably, commercial auto showed an increase of 11.4% in DWP, while worker's compensation reported a loss of 3% in DWP.
Over the last three study cycles (2016 to 2019) no notable gains or losses were indicated in any of the data by distribution channel. Independent agency companies wrote 35.7% of all personal lines in 2019, up 2.3% from 2017. Direct response carriers' share grew by nearly 4%, while captive carriers lost 4%.