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Market Share Report

The Market Share report can help users understand the current insurance marketplace and opportunities and understand the evolving areas, review historical changes and verify assumptions. The 2023 report is based on 2022 data.


This report graphically and numerically presents the United States property and casualty (P&C) insurance industry data from the independent agent's perspective and is broken into three key parts.

Market Share Report Summary
: The Market Share Report summary emphasizes direct premiums, direct losses and the associated direct underwriting results before reinsurance. This summary presents the 2022 direct written premium for all 32 lines of business reported by P&C insurers for all distribution styles. Six of the 32 lines presented are not considered “traditional" independent agent P&C insurance lines and thus are not addressed in the section of this report focused on independent agent distribution. The six lines removed from individual in-depth review and comparison are: accident & health, aggregate write-in, credit insurance, financial guarantee insurance, mortgage guaranty and warranty.

Independent Agent Focused Lines: For the traditional 26 agent-focused lines of business, specific data is provided on loss ratios, growth rates, penetration rates by the various distribution styles and commission rates. In addition—and important to independent agents—a breakout of surplus lines activity is provided to show trends and utilization rates.

Each of the 26 agent-focused lines of business are detailed individually. Presented within the individual line-of-insurance pages are five-year premiums, loss and combined ratios, penetration rates by distribution style and information on the largest insurers in those lines. The independent agent-focused lines of business are presented in alphabetical order.

Supporting Information: Appendices are provided to: 1) detail the various approaches taken in compiling and presenting the information contained and presented in this report; 2) provide data definitions specific to the insurance industry; and 3) provide additional information that supports the findings of this report. 


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2023 Market Share Report

Based on 2022 data

2022 Market Share Report

Based on 2021 data

2020 Market Share Report

Based on 2019 data

2018-2019 Market Share Report

Based on 2016-2017 data

2017 Market Share Report

Based on 2015 data

2016 Market Share Report

Based on 2014 data

2015 Market Share Report

Based on 2013 data

2014 Market Share Report

Based on 2012 data

2013 Market Share Report

Based on 2011 data

2012 Market Share Report

Based on 2010 data

2011 Market Share Report

Based on 2009 data

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