2024 Louisiana Annual P&C Marketplace Report by Independent Insurance Agents & Brokers of Louisiana

Prepared by Ben Albright President & CEO

Introduction & Purpose

You are being provided this 2024 Louisiana Annual P&C Marketplace Summary covering the Louisiana property and casualty (P&C) insurance marketplace as a benefit of your membership in the Independent Insurance Agents & Brokers of Louisiana.

What follows is a graphic and numeric presentation of the Louisiana P&C industry data from an Independent Agent’s perspective. The 2023 data used is the most recently available from A.M. Best Company and includes all 50 states and the District of Columbia (equaling the 51 entities referred to in the data in this report). The 2024 United States Annual P&C Marketplace Summary is also available to you as members of the Independent Insurance Agents & Brokers of Louisiana at www independentagent com

This Summary emphasizes direct premiums, direct losses, and the associated direct underwriting results before reinsurance. Also included is data from nearly 3,000 insurers that are domiciled in the United States, and if they have written premiums in Louisiana then their data is incorporated. As Independent Agents, this is the marketplace experience for the business we place (or compete against) for our clients in Louisiana

This 2024 Louisiana Annual P&C Marketplace Summary provides you with the following important information on the Louisiana P&C marketplace:

Premiums for all 32 P&C lines of business in Louisiana

The Top 10 lines of business for Independent Agents

Premium Growth Rates

Loss Ratios

Distribution Style penetration rates and trends

Commission rates

Surplus Lines utilization rates

Lists of the largest insurers for each of the top Lines of Business

Largest/highest and smallest/lowest state specific data

To enhance your understanding, this Summary includes four instructive Appendices: Distribution Style Classifications, NAIC Line of Business Definitions, Line of Business Facts-A Visual Reference, and a Louisiana All Active Insurers List This last appendix is a new and valuable resource this year, as it allows you to quickly see basic information on any insurer operating in the Louisiana P&C marketplace

Louisiana P&C Marketplace Executive Summary

Louisiana Premiums: All 32 P&C Lines of Business

Louisiana Top 10 Independent Agent Lines of Business

Louisiana Loss Ratios

Louisiana Premium Change

Louisiana Independent Agent Penetration Rates

Louisiana Commission Rates

Louisiana Surplus Lines

Louisiana Line of Business In-Depth Detail Pages Total All P&C Lines of Business

(all perils)

Louisiana P&C Marketplace Executive Summary

Premiums Overall

In 2023, Louisiana P&C premiums reached $16.8 billion, ranking Louisiana 20 of 51 in total premiums in the United States. That is 1.8% out of $953 Billion in premiums nationwide. On a relative comparative basis, per capita premiums rank Louisiana 7 of 51 for all P&C premiums combined, 3 of 51 for Personal Lines, 14 of 51 for Commercial Lines, and 26 of 51 for Agricultural Lines.

Lines of Business

In Louisiana the largest Line of Business for independent agents was Homeowners Multi-Peril (as determined by direct written premium). The second largest Line of Business in Louisiana was All Private Passenger Auto, and the third was Allied Perils Only For comparison, in the United States those Top 3 Lines of Business are: All Private Passenger Auto, Homeowners Multi-Peril, and Other Liability (Occurrence).

Loss Ratios

Louisiana's average loss ratio across all P&C Lines of Business was 56 3%, with the highest loss ratios experienced in Private Crop (272.6%), Multi-Peril Crop (119.2%), and Aircraft (all perils) (113.6%). Comparatively, the United States average loss ratio was 65.9%, with the highest loss ratio in Hawaii (140.5%), and the lowest in District of Columbia (43.4%). In the United States, the Lines of Business with the highest loss ratios are Multi-Peril Crop (102.2%), Private Crop (98.8%), and Farmowners Multi-Peril (79 0%)

Premium Change Rates

Premiums grew 13.7% in Louisiana from 2022 to 2023 for all P&C Lines of Business combined, placing it 6 of 51 in the United States and District of Columbia. The fastest growing Lines of Business in Louisiana are Burglary & Theft (56 1%), Private Crop (53 5%), and Allied Perils Only (36.3%). By comparison the United States grew by 10.6%, with the fastest growing state being Florida (16.1%), and the slowest being District of Columbia (3.4%). The United States fastest growing Lines of Business are Fire Peril Only (29.9%), Allied Perils Only (27.0%), and Earthquake (16.7%).

Independent Agent Penetration of Marketplace

Independent Agents control 60.4% of the Louisiana P&C marketplace. This compares to the United States average of 62.2%, with the highest penetration in Massachusetts (79.6%), and the lowest in Alabama (51.6%). In Louisiana, the top penetration rates by Lines of Business for Independent Agents are: Multi-Peril Crop (100.0%), Private Crop (100.0%), and International (100 0%) In the United States, top penetration rates by Lines of Business for Independent Agents are: International (100.0%), Ocean Marine (96.5%), and Burglary & Theft (96.3%).

Commissions

The average commission rate in Louisiana was 11.5% for all P&C Lines of Business combined. By contrast, the average commission rate in the United States was 11 4% The highest average commission was in the District of Columbia (13.8%) with the lowest in Delaware (9.9%).

Surplus Lines

Surplus Lines utilization is on the rise across all states In Louisiana, the average percentage of premiums going to UNLICENSED insurers (that is, Surplus Lines) was 13.3%. That percentage was 13.1% one year ago, and 9.3% five years ago. In the United States the corresponding figures are 9.3%, 9.0%, and 6.2%, respectively. In Louisiana, the top 3 Lines of Business with premiums going to Surplus Lines insurers are: Earthquake (65.2%), Fire Peril Only (52.8%), and Products Liability (52.7%). In United States, the top 3 Lines of Business with premiums going to Surplus Lines insurers are: Earthquake (50 8%), Private Flood (46.2%), and Products Liability (42.1%).

Largest Insurers

State Farm Group (G) was the largest insurer group in Louisiana, and it writes 15.4% of all P&C premiums. Progressive Security Insurance Company emerges as the largest pure Independent Agent policy-issuing insurer, State Farm Mutual Automobile Ins Co as the largest Exclusive-Captive policy-issuing insurer, and Progressive Paloverde Insurance Company as the largest Direct policy-issuing insurer.

Louisiana Premiums

All 32 P&C Lines of Business

The below chart, Louisiana Premiums: By Line of Business, lists the Line of Business and then shows 2023 total premiums for all 32 P&C Lines of Business that P&C insurers are required to report on in their annual statement to regulators. The Lines of Business are listed in alphabetical order, both below and in most of the subsequent tables, charts, and graphs in this Summary. Of the 32 lines, 26 Lines of Business are primarily focused on by Independent Agents, emphasized below with an asterisk (*) As Independent Agents are the target audience of this Summary, the 26 Lines of Business are emphasized throughout the remainder of it.

Louisiana Premiums: By Line of Business

The below table, Louisiana: All Lines of Business Additional Details, provides further data on Louisiana Premiums, Loss Ratios, Premium Growth rates, and Penetration rates by Independent Agents for these 32 P&C lines of business

Louisiana Top 10 Independent Agent Lines of Business

All P-C Lines of Business

Accident & Health

Aggregate Write-ins Aircraft (all perils) All Commercial Auto All Private Passenger Auto Allied Perils Only Boiler & Machinery Burglary & Theft

Excess Workers' Comp Farmowners Multi-Peril

Guaranty

Peril Only Homeowners Multi-Peril Inland Marine

Malpractice Mortgage Guaranty Multi-Peril Crop Ocean Marine Other Liability (Claims-made) Other Liability (Occurrence) Private Crop Private Flood

Workers' Compensation Total (All Lines)

Source: © A.M. Best Company used by permission. (Note: Independent Agent-focused Lines of Business are bold and underlined)

Louisiana All Lines of Business Total Premium Comparisons

The table below, Total and Per Capita Premiums, compares Louisiana P&C premiums to the United States both in total, and on a per capita basis.Per capita premiums are provided to give a relative sense of the cost of premiums, but also allows comparing premiums state to state. For insights, per capita premiums are provided for the following groupings of Lines of Business: Total (All Lines of Business Combined), Personal Lines of Business, Commercial Lines of Business, and Agricultural Lines of Business.

The definition of Total, Personal, Commercial, and Agricultural Lines of Business are as follows: Total (All Lines of Business Combined) includes premiums for all 32 P&C Lines of Business

Personal Lines includes All Private Passenger Auto, and Homeowners Multi-Peril Commercial Lines includes All Commercial Auto, Commercial Multi-Peril, Other Liability (Claims-Made), Other Liability (Occurrence), Products Liability, and Workers’ Compensation. Agricultural Lines include Farmowners Multi-Peril, Multi-Peril Crop, and Private Crop.

In this table, total and per capita premiums are provided for each Line of Business grouping. Also provided is the largest/highest state and the smallest/lowest state for either total premiums, or per capita premiums.

Note: The most recent population estimate from the United Census Bureau is the basis for the per capita comparative premium figures.

Total and Per Capita Premiums

Groupings of Premiums

Total (All Lines) Premiums

Total (All Lines)

Per Capita Premium

Personal Lines

Per Capita Premium

Commercial Lines

Per Capita Premium

Agricultural Lines

Per Capita Premium

Louisiana (Rank)

$16.8 billion

$3,682 (Rank is 7 of 51)

$1856 (Rank is 3 of 51)

$956 (Rank is 14 of 51)

$47 (Rank is 26 of 51)

United States (Average State)

$953,042,560,000

($18.7 billion)

$2,846

Largest/Highest State

California

($112.3 billion)

North Dakota

($4,877)

Florida

($2,111)

District of Columbia

($1,756)

North Dakota

($2,278)

Smallest/Lowest State

Vermont

($1.6 billion)

Ohio

($1,985)

District of Columbia

($964)

Ohio

($543)

District of Columbia ($0)

Source: © A.M. Best Company used by permission, and United States Census Bureau, Population Division and Annual Estimates of Resident Population (Release Date: December 2023)

Louisiana Top 10 Lines of Business

United States Top 10 Lines of Business

Source:

Top 10 Independent Agent Lines of Business Premium Comparison

The table below, Top 10 Lines of Business Premium Rankings, compares annual premium rankings for all 32 P&C Lines of Business (LOB) Shown under the column heading “Louisiana LOB Ranking” are the top 10 Lines of Business in terms of premiums for Louisiana in 2023 Shown under the column heading “United States LOB Ranking” are the top 10 Lines of Business in terms of premiums nationwide in 2023. The column heading “Percent of Time #1 LOB (All States),” shows that the #1 Line of Business for the United States in 2023 was also the top Line of Business in most individual states. Specifically, Private Passenger Auto was the number one Line of Business in 67% of all states, meaning it was #1 in 34 of the 51 states and District of Columbia

The last column, “Percent of Time in Top 10 LOB (All States),” shows the frequency of each Line of Business in any state’s Top 10 Lines of Business. For example, Private Passenger Auto, Commercial MultiPeril, and Homeowners Multi-Peril were in every state’s Top 10 Lines of Business (100%), but Aircraft was in the Top 10 only once (2%), Medical Malpractice was in the Top 10 three-times (6%), and so on.

Top 10 Lines of Business Premium Rankings

Lines of Business

Accident & Health

Aggregate Write-ins

Aircraft (all perils)

All Commercial Auto

All Private Passenger Auto

Allied Perils Only

Boiler & Machinery

Burglary & Theft

Commercial Multi-Peril

Credit

Earthquake

Excess Workers' Comp

Farmowners Multi-Peril

Federal Flood

Fidelity

Financial Guaranty

Fire Peril Only

Homeowners Multi-Peril

Inland Marine

International

Medical Malpractice

Mortgage Guaranty

Multi-Peril Crop

Ocean Marine

Other Liability (Claims-made)

Other Liability (Occurrence)

Private Crop

Private Flood

Products Liability

Surety

Warranty

Workers' Compensation

Louisiana LOB Ranking

United States LOB Ranking

#5-LOB

#2-LOB

#3-LOB

#8-LOB

#4-LOB #1-LOB #10-LOB

#6-LOB

of Time #1 LOB (All States)

#7-LOB

#1-LOB

#9-LOB

#2-LOB #8-LOB

#10-LOB

#4-LOB

#7-LOB #3-LOB

#6-LOB

#5-LOB

Louisiana Loss Ratios

The below bar chart, Louisiana 1-Year and 5-Year Average Loss Ratios by Line of Business, shows Loss Ratios for the 26 P&C Lines of Business focused on by Independent Agents These 26 Lines of Business were previously highlighted earlier in this Summary The 1-Year Loss Ratio is for 2023 The 5-Year Loss Ratio is the average Loss Ratio for 2019 to 2023

Notes: International and Excess Workers’ Compensation are not shown due to extreme values and low premiums (that data is available in the Louisiana Line of Business Data In-Depth Details Pages And, after the bar chart is a definition of “Loss Ratios,” and the formula for how loss ratios are calculated Louisiana 1-year and 5-year Loss Ratios by Line of Business

Source: © A M Best Company used by permission

Loss Ratios Defined

Loss Ratios are calculated as “adjusted calendar year loss ratios ” The losses used in the ratio of losses to earned premiums equals the paid losses that year, plus any estimates of future losses that will be paid from claims that year (new reserves), plus any changes in reserves from previous years made that year (prior reserves).The "adjusted" part is if dividends are paid out under a Line of Business, then the Loss Ratio is adjusted for that cost Where dividends are a factor (for example, workers’ compensation), it is important to include them whenever Loss Ratios of different Lines of Business are compared

Year

Loss Ratio Comparisons

The table below, Lines of Business Loss Ratios, compares the 1-year and 5-year average Loss Ratios in Louisiana, and then the United States, by Line of Business, and for all lines combined, to the range in loss ratios for the 50 states and the District of Columbia The Lines of Business are those 26 focused Lines of Business focused on by Independent Agents

Note: individual state loss ratios can and do vary considerably, especially with low premiums in a state, and/or an individual Line of Business Also, negative loss ratios are possible if there are prior year claim reserve reductions impacting loss ratios

Line of Business Loss Ratios

All Lines of Business

Aircraft (all perils)

All Commercial Auto

All Private Passenger Auto

Allied Perils Only

Boiler & Machinery

Burglary & Theft

Commercial Multi-Peril

Earthquake

Excess Workers' Comp

Farmowners Multi-Peril

Federal Flood

Fidelity

Fire Peril Only

Homeowners Multi-Peril

Inland Marine

International

Medical Malpractice

Multi-Peril Crop

Ocean Marine

Other Liability (Claims-made)

Other Liability (Occurrence)

Private Crop

Private Flood

Products Liability

Surety Workers' Compensation

United States

Source: © A.M. Best Company used by permission.

Highest State (1-Yr)

140.5% (Hawaii)

291.8% (New Jersey)

93.5% (Nevada)

88.2% (Nevada)

183.8% (Arkansas)

157.6% (Alabama) 82.7% (Indiana)

276.4% (Hawaii)

8.6% (Hawaii)

140.0% (Wyoming)

171.0% (Kentucky)

930.0% (Vermont)

124.3% (Minnesota)

401.9% (Hawaii)

390.9% (Hawaii)

59.7% (Alabama)

635.4% (Massachusetts)

195 5% (New Mexico)

200 2% (New Hampshire)

113 2% (Arkansas)

79 0% (Vermont)

139 3% (Delaware)

272 6% (Louisiana)

1317 7% (Vermont)

147 2% (Pennsylvania)

57 9% (New York)

78 3% (Oregon)

Lowest State (1-Yr)

43.4% (District of Columbia)

-17.9% (Connecticut)

47.2% (Hawaii)

61.5% (Montana)

2.7% (District of Columbia)

-48.4% (Tennessee)

-17.2% (Kentucky)

26.9% (Delaware)

-9.3% (New Jersey) -500.0% (North Dakota)

15.5% (Rhode Island)

1.0% (Louisiana)

-14.4% (Vermont)

11.9% (Wyoming)

40.0% (Florida) 20.1% (District of Columbia)

-800.0% (Nevada)

14 1% (Wyoming)

19 9% (Indiana)

5 8% (West Virginia)

23 2% (Wyoming)

26 9% (Montana)

-7 5% (Oregon)

-31 8% (New Jersey)

-13 0% (Delaware)

-11 0% (Maine)

16 7% (Washington)

Louisiana Premium Change

The below bar chart, Louisiana 1-Year and 5-Year Premium Changes, shows the percentage change in direct written premiums for the 26 different P&C Lines of Business focused on by Independent Agents. The 1-Year growth rate is the percentage change in premiums from 2022 to 2023. The 5-Year growth rate is the percentage that results when the premiums from the first year equal the most recent year, when the percentage is applied annually

Note: International is not shown as there is less than 5 years data available.

Louisiana 1-Year and 5-Year Premium Changes

Source: © A.M. Best Company used by permission. (International not shown, as less than 5 years data is available)

Average Premium Change Comparisons

The table below, Line of Business Premium Change compares the 1-year and 5-year average premium change in Louisiana to the range of premium changes in the United States and across the 50 states and the District of Columbia.

Line

of Business Premium Change

Line of Business Premium Change

Total (All Lines)

Aircraft (all perils)

All Commercial Auto

All Private Passenger Auto

Allied Perils Only

Boiler & Machinery

Burglary & Theft

Commercial Multi-Peril

Earthquake

Excess Workers' Comp

Farmowners Multi-Peril

Federal Flood

Fidelity

Fire Peril Only

Homeowners Multi-Peril

Inland Marine

International

Medical Malpractice

Multi-Peril Crop

Ocean Marine

Other Liability (Claims-made)

Other Liability (Occurrence)

Private Crop

Private Flood

Products Liability

Surety

Workers' Compensation

Highest State (1-Yr)

16 1% (Florida) 42 7% (District of Columbia)

17 4% (Florida)

20 6% (Texas)

40 4% (Florida)

32 1% (Tennessee)

56 1% (Louisiana)

34 3% (Florida)

87 6% (New Hampshire)

40 0% (North Dakota)

36 0% (Mississippi)

120.7% (Utah)

18.5% (South Dakota)

55.5% (Nebraska)

22.0% (Utah)

18.6% (Florida)

436.4% (New Jersey)

30.8% (Nebraska)

126.7% (Nevada)

45.9% (Washington)

22.6% (Vermont)

26.9% (Delaware)

800.0% (Connecticut)

61.7% (Utah)

35.1% (New Mexico)

41.7% (Delaware)

17.7% (North Dakota)

Source: © A M Best Company used by permission

Lowest State (1-Yr)

3 4% (District of Columbia) -32 1% (Massachusetts) -11 3% (District of Columbia) 5 8% (Hawaii)

0 5% (District of Columbia) -9 7% (Alaska) -18 5% (South Dakota)

6 0% (Alaska)

-14 9% (New Jersey) -255 4% (Wyoming)

0 6% (California)

-5.5% (Alaska) -10.5% (Nebraska)

9.2% (North Dakota)

7.0% (West Virginia) 1.0% (Washington)

0.0% (Alaska)

-20.8% (North Dakota) -33.8% (Alaska) -19.8% (Mississippi)

-18.1% (District of Columbia) -20.4% (Florida) -72.0% (Nevada) -16.5% (New Mexico) -11.1% (District of Columbia) -14.5% (South Dakota) -15.1% (Idaho)

Louisiana Independent Agent Penetration Rates

The clustered bar chart below, Louisiana Top 10 Lines of Business and 5-Year Penetration Rates, shows 5 years of penetration rates, from 2019 to 2023, for the top 10 Lines of Business written through Independent Agents in Louisiana. The clustered bars are organized by the rank-order of premiums of each Line of Business. The final cluster of bars labeled Total (IA-Focused Lines) is the trend for the 26 P&C Lines of Business focused on by Independent Agents.

Note:After the bar chart is a definition of “Independent Agent Penetration Rates,” and the formula for how penetration rates are calculated

Louisiana Top 10 Lines of Business and 5-Year Penetration Rates

Source: © A M Best Company used by permission

Independent Agent Penetration Rates Defined

Independent Agent penetrations are estimated based on premiums of insurers using Independent Agents either directly, or in combination with other Distribution Styles (like Managing General Agents). For further information Appendix #1: Distribution Style Classifications gives a detailed explanation of the classification of insurers into Distribution Styles, based on insurer reported Marketing Types.

Independent Agent Penetration Comparisons by Line of Business

The table below, Line of Business Penetration Rates, shows the 1-year and 5-year average Independent Agent penetration rates for Louisiana, as compared to the range of Independent Agent penetration rates across the 50 states and the District of Columbia.

Line of Business Penetration Rates

Total (IA-Focused Lines)

Aircraft (all perils)

All Commercial Auto

All Private Passenger Auto

Allied Perils Only

Boiler & Machinery

Burglary & Theft

Commercial Multi-Peril

Earthquake

Excess Workers' Comp

Farmowners Multi-Peril

Federal Flood

Fidelity

Fire Peril Only

Homeowners Multi-Peril

Inland Marine

International Medical Malpractice

Multi-Peril Crop

Ocean Marine

Other Liability (Claims-made)

Other Liability (Occurrence)

Private Crop

Private Flood

Products Liability

Surety

Workers' Compensation

Source: © A.M. Best Company used by permission.

Highest State (1-Yr)

79 6% (Massachusetts)

99 4% (Delaware)

92 7% (Massachusetts)

61 8% (Massachusetts)

95 4% (Hawaii)

99 9% (Maine)

99 8% (Massachusetts)

97 9% (Massachusetts)

97 9% (Florida)

101 7% (Minnesota)

99 7% (New Jersey)

92.7% (Massachusetts)

95.1% (Nevada)

96.3% (Hawaii)

81.8% (Florida)

90.8% (Indiana)

100.0% (46 States)

97.7% (Maine)

100.0% (Alaska)

99.7% (New Mexico)

95.5% (Louisiana)

91.5% (District of Columbia)

106.7% (Michigan)

99.4% (West Virginia)

98.2% (Hawaii)

93.2% (Mississippi)

97.1% (Rhode Island)

Lowest State (1-Yr)

51 6% (Alabama)

86 4% (Maine)

63 8% (District of Columbia)

10 2% (Alaska)

70 8% (Arkansas)

80 4% (Michigan)

73 9% (Mississippi)

44 4% (Delaware)

40 1% (Oklahoma)

28 6% (North Dakota)

12 1% (Missouri) 49.3% (Utah)

76.1% (West Virginia)

73.0% (Arkansas)

19.7% (Alaska)

55.9% (Delaware)

0.0% (5 States $0 Prem.)

43.9% (Connecticut)

80.3% (Utah)

91.0% (Alaska)

84.9% (District of Columbia)

69.0% (Delaware)

49.1% (California)

75.1% (Arkansas)

62.2% (Nebraska)

71.8% (Rhode Island)

43.3% (Idaho)

Louisiana: 5-Year Penetration Rate Trends

Below are 5-Year Louisiana penetration rate trends, from 2019 to 2023, broken-down into the Distribution Styles previously presented as 4 groupings of Lines of Business Refer to the Louisiana All Lines of Business Total Premiums Comparisons section earlier in this Summary for what is included in each grouping.

Source: © A.M. Best Company used by permission.

Louisiana Commission Rates

The below bar chart, Louisiana Commission Rates: Independent Agent Lines of Business, shows the commission rates paid by all insurers for the 26 different Independent Agent-focused P&C Lines of Business, for the most recent 1-year, and the 5-year average. Shown last in the bar chart, Total (All Lines), is the average combined commission paid on all Lines of Business.

Notes: International is not shown as there is less than 5 years data available. And, after the bar chart is a definition of “Commission Rate,” and the formula for how commissions are calculated.

Louisiana Commission Rates: Independent Agent Lines of Business

Source: © A M Best Company used by permission

Commission Rate Defined

The formula below shows how commission percentages are calculated, where the commission % equals the direct and contingent commissions, divided by the Line of Business written premium.

Average Commission Comparisons

The table below, Line of Business Commission Rates, shows the 1-year commission rate, and 5-year average commission rates for Louisiana, and then the United States, compared to the range of commission rates across the 50 states and the District of Columbia.

Note: Where premiums are low in a Line of Business or a state, unusual highest and/or lowest commission rate figures are possible. An example of this is Ohio had the highest commission rate for Workers’ Compensation, as Louisiana is a monopolistic fund state with almost no premiums in this Line of Business.

Line of Business Commission Rates

Total (All Lines)

Aircraft (all perils)

All Commercial Auto

All Private Passenger Auto

Allied Perils Only

Boiler & Machinery

Burglary & Theft

Commercial Multi-Peril

Earthquake

Excess Workers' Comp

Farmowners Multi-Peril

Federal Flood

Fidelity

Fire Peril Only

Homeowners Multi-Peril

Inland Marine

International

Medical Malpractice

Multi-Peril Crop

Ocean Marine

Other Liability (Claims-made)

Other Liability (Occurrence)

Private Crop

Private Flood

Products Liability

Surety

Workers' Compensation

United States

Source: © A.M. Best Company used by permission.

Highest State (1-Yr) 13.8% (District of Columbia) 29.2% (Maine) 15.0% (Alabama) 10.3% (North Dakota) 17.6% (Hawaii)

13.3% (Montana)

25.9% (New York) 20.2% (Maine)

15.8% (Florida)

17 9% (Delaware)

20 8% (New York)

20 7% (Ohio)

19 0% (District of Columbia)

21 6% (South Carolina)

16 9% (Massachusetts)

26 9% (Indiana)

20030 5% (New Jersey)

13 2% (New Hampshire)

15 6% (Nevada)

21 8% (Nevada)

19 2% (Wyoming)

19 3% (Wyoming)

279 5% (Montana)

20 4% (Hawaii)

16 5% (Montana)

31 1% (Vermont)

48 4% (Ohio)

Lowest State (1-Yr)

9.9% (Delaware)

5.3% (Georgia)

9.7% (District of Columbia)

4.4% (District of Columbia)

9.1% (Idaho)

5.0% (Wyoming)

13.3% (Louisiana)

8.6% (Delaware)

4.3% (Wisconsin)

0 5% (District of Columbia)

9 9% (Alabama)

12 6% (Vermont)

12 3% (Kentucky)

8 9% (Illinois)

9 9% (Alaska)

11 6% (District of Columbia)

0 0% (Alaska)

5 5% (Connecticut)

2 9% (West Virginia)

8 9% (Tennessee)

12 8% (Rhode Island)

8 5% (Delaware)

0 0% (Massachusetts)

7 7% (North Dakota)

10 7% (Indiana)

20 7% (Rhode Island)

6 4% (North Dakota)

Louisiana Surplus Lines

The pie chart below, LouisianaSurplus Lines: Top 10 Lines of Business, illustrates the Top 10 Lines of Business by percentage of all Surplus Lines premiums in Louisiana for 2023 Also below, the combination line and bar chart, Louisiana Total Premiums and Percentage of All Premiums, shows (orange bars) the total Surplus Lines premiums, and shows (orange dotted line) the Surplus Lines premium-to-premium percentages for all Lines of Business combined.

Note: Alien insurer data (e.g. Lloyds of London) is not included, as it is not tracked as consistently across states nor in the same time-frame, and if included, would increase Surplus Lines premiums by about 1%

Louisiana Surplus Lines: Top 10 Lines of Business

Louisiana Total Premiums and Percentage of All Premiums

Source: © A M Best Company used by permission

Average Surplus Lines Comparison

The table below, Line of Business Surplus Lines Utilization, looks at Surplus Lines utilization for the 26 Lines of Business focused on by Independent Agents It compares Louisiana 1-year, and 5-year average Surplus Lines utilization rates to the range in Surplus Lines utilization rates for the 50 states and District of Columbia.

Line of Business Surplus Lines Utilization

All Lines Surplus Lines Utilization Rates

Total (All Lines)

Aircraft (all perils)

All Commercial Auto

All Private Passenger Auto

Allied Perils Only

Boiler & Machinery

Burglary & Theft

Commercial Multi-Peril

Earthquake

Excess Workers' Comp

Farmowners Multi-Peril

Federal Flood

Fidelity

Fire Peril Only

Homeowners Multi-Peril

Inland Marine

International

Medical Malpractice

Multi-Peril Crop

Ocean Marine

Other Liability (Claims-made)

Other Liability (Occurrence)

Private Crop

Private Flood

Products Liability

Surety

Workers'

Source: © A.M. Best Company used by permission.

Highest State (1-Yr)

17.6% (Mississippi)

8.9% (Massachusetts)

23.6% (California)

11.9% (Mississippi) 52.1% (South Carolina)

24.2% (Hawaii) 50.2% (Louisiana) 41.3% (Florida) 86.9% (Florida)

46.2% (District of Columbia)

21.5% (Mississippi) 11.4% (Texas)

9 2% (Vermont)

59 7% (South Carolina)

20 3% (Mississippi)

17 8% (California)

200 0% (Michigan)

47 7% (Rhode Island)

0 0% (Alaska)

20 4% (Oklahoma)

64 2% (Alaska)

46 8% (Louisiana)

13 1% (Montana)

65 4% (Rhode Island)

58 8% (California)

28 5% (Rhode Island) 2 7% (Florida)

Lowest State (1-Yr)

2.6% (South Dakota)

0.0% (6 states)

1.6% (New York)

0.0% (36 states)

11.8% (Minnesota)

1.8% (Wyoming)

6.3% (Rhode Island)

2.5% (Delaware)

10.4% (Kentucky)

0.0% (38 states)

0.0% (5 states)

0.1% (Louisiana)

0 2% (West Virginia)

22 5% (New Hampshire)

0 1% (Kentucky)

1 8% (Delaware)

0 0% (44 states)

10 0% (New York)

0 0% (50 states)

0 6% (District of Columbia)

25 1% (South Dakota)

13 8% (Delaware)

0 0% (33 states)

15 6% (Montana)

15 6% (South Dakota)

0 0% (4 states)

0 0% (8 states)

Louisiana Line of Business Details

The following 27 pages of graphs and tables provide indepth data detail on the 26 P&C Lines of Business focused on by Independent Agents in Louisiana with all Lines of Business combined presented first The 26 Lines of Business are presented in alphabetical order The facts and details presented include:

A bar chart of 5-Years data on premiums for all Distribution Styles (dark blue bars), and premiums written through Independent Agents (light blue bars). Independent Agent classification of premiums is based on the approach explained in Appendix #1: Distribution Style Classifications

5-Year line charts, showing the Loss Ratio (dashed red line) and Combined Ratio (solid red line). Additionally, the average commission on each Line of Business is provided below the combination bar and line chart.

Direct written premium for insurers using Independent Agents, Exclusive-Captive agents, and Direct distribution is provided, as is the percentage of Surplus Lines premiums to all premiums.

The count of active insurers for Independent Agent, Exclusive-Captive, and Direct insurers is provided, as is the count of active Surplus Lines insurers

1-Year and 5-Year growth rates for all insurers, Independent Agent, Exclusive-Captive, and Direct insurers are provided, as is the percentage of premiums through insurers acting as Surplus Lines

The top 5 insurer groups in each Line of Business are provided. This features premiums ("1-yr DPW"), 1-year Loss and Combined Ratio ("1-yr LR | CR"), and 1-year growth and commission percentages ("1yr Growth | Comm%"). The last column denotes the largest insurer in the group for that Line of Business in Louisiana

Listed after the top insurer groups are the top policy-issuing insurers distributing insurance through Independent Agents, Exclusive-Captive agents, Direct, Surplus Lines insurers, with the top risk retention group for that Line of Business shown last. The column headings remain consistent (“1-yr DPW,” “1-yr LR | 1-yr CR,” and “1-yr Growth | Comm%”) Note: The last column changes to the Group that the policy-issuing insurer belongs to (if any).If there is no Group, “N/A” is shown.

As you navigate the Line of Business In-Depth Detail pages, notice if a small pie chart thumbnail is presented at the upper-right corner.If there is a pie chart present, that indicates the product is in the top 10 Lines of Business for Independent Agents in Louisiana Also at the bottom of each table, after the source citation, is a short narrative of the types of policies that are included in that Line of Business.

For complete definitions of each Line of Business, refer to Appendix #2: NAIC Line of Business Definitions. Lastly, Appendix #3: Line of Business Facts Visual Reference gives the reader another view of the presentation of Line of Business In-Depth Detail Page figures

Total All P&C Lines of Business

Source: © A M Best Company used by permission (Included in the above data are all P&C policies issued in Louisiana for all 32 Lines of Business from Aircraft to Workers’ Compensation )

Aircraft (all perils)

Source: © A M Best Company used by permission (Included in the above data are all P&C policies issued in Louisiana for property damage to aircraft themselves with any liability for operating an aircraft, an airport and manufacture of aircraft)

All Commercial Auto

Source: © A M Best Company used by permission (Included in the above data are all P&C policies issued in Louisiana to cover commercial auto liability, physical damage, uninsured motorist, and no-fault benefits, if applicable)

All Private Passenger Auto

Source: © A M Best Company used by permission (Included in the above data are all P&C policies issued in Louisiana to cover private passenger auto liability, physical damage, uninsured motorist, and no-fault benefits, if applicable)

Allied Perils Only

Source: © A.M. Best Company used by permission. (Included in the above data are all P&C policies issued in Louisiana to cover real or personal property for other than fire, such as windstorm, hail, vehicles, etc If premiums are combined in policies with Fire, the premiums and losses are reported as they are allocated by insurers)

Boiler & Machinery

Source: © A M Best Company used by permission (Included in the above data are all P&C policies issued in Louisiana to cover failure of boilers, machinery and electrical equipment)

Burglary & Theft

Source: © A M Best Company used by permission (Included in the above data are all P&C policies issued in Louisiana to cover property lost due to burglary, robbery, fraud or kidnap)

Commercial Multi-Peril

Source: © A M Best Company used by permission (Included in the above data are all P&C package policies issued in Louisiana to cover commercial enterprises for property and liability)

Earthquake

Source: © A M Best Company used by permission (Included in the above data are all P&C policies issued in Louisiana to cover sudden trembling or shaking of the earth, including volcanos

Excess Workers’ Comp

Source: © A M Best Company used by permission (Included in the above data are all P&C policies issued in Louisiana to cover indemnity of employers for self-insured employers, usually written on an excess or high deductible)

Farmowners Multi-Peril

Source: © A M Best Company used by permission (Included in the above data are all P&C policies issued in Louisiana to cover property and liability risks of farming and ranching operations)

Federal Flood

Source: © A M Best Company used by permission (Included in the above data are all P&C policies issued in Louisiana under the Federal Flood Insurance Program and the Write Your Own program)

Fidelity

Source: © A M Best Company used by permission (Included in the above data are all P&C policies issued in Louisiana to cover dishonest acts of employees

Fire Peril Only

Source: © A.M. Best Company used by permission. (Included in the above data are all P&C policies issued in Louisiana to cover fire or lightning loss to real or personal property If premiums are combined in policies with other perils like windstorm, the premiums and losses are reported as they are allocated by insurers)

Homeowners

Source: © A M Best Company used by permission (Included in the above data are all P&C policies issued in Louisiana to cover liability, and real and personal property of homeowners, condo owners and renters)

Inland Marine

Source: © A.M. Best Company used by permission. (Included in the above data are all P&C policies issued in Louisiana for a wide variety of risks including contractors equipment, other moveable property, pet insurance, event cancellation, travel insurance, watercraft and cash in transit

International

Source: © A M Best Company used by permission (Included in the above data are all P&C policies issued in Louisiana to cover losses outside the U S where a line of business is not determined )

Medical Malpractice

Source: © A M Best Company used by permission (Included in the above data are all P&C policies issued in Louisiana to cover liability losses of licensed healthcare providers)

Multi-Peril Crop

Source: © A M Best Company used by permission (Included in the above data are all P&C policies issued in Louisiana to cover losses that are subsidized or reinsured by the Federal Crop Insurance Corporation )

Ocean Marine

Source: © A M Best Company used by permission (Included in the above data are all P&C policies issued in Louisiana to cover losses resulting from transportation on ocean and inland waters)

Other Liability (Claims-made)

Source: © A.M. Best Company used by permission. (Included in the above data are all P&C policies issued in Louisiana to cover legal liability losses liability losses from a wide variety of exposures that are issued on a claims-made basis Common examples include errors & omissions, directors & officers, and Internet liability)

Other Liability (Occurrence)

Source: © A.M. Best Company used by permission. (Included in the above data are all P&C policies issued in Louisiana to cover legal liability losses liability losses from a wide variety of exposures that are issued on an occurrence basis Examples include premises, completed operations, and umbrella

Private Crop

Source: © A M Best Company used by permission (Included in the above data are all P&C policies issued in Louisiana to cover crop hail and fire and other risks NOT subsidized or reinsured by the Federal Crop Insurance Corporation)

Private Flood

Source: © A M Best Company used by permission (Included in the above data are all P&C policies issued in Louisiana to cover flood and are NOT under the Federal Flood Insurance Program and its Write Your Own program)

Products Liability

Source: © A M Best Company used by permission (Included in the above data are all P&C policies issued in Louisiana to cover liability from manufacturing or selling of defective products that cause injury or damage)

Surety

Source: © A M Best Company used by permission (Included in the above data are all P&C policies issued in Louisiana for 3-party agreements covering the default of a principal on an obligation to an obligee)

Workers’ Compensation

Source: © A M Best Company used by permission (Included in the above data are all P&C policies issued in Louisiana for liability for worker injuries under statutes or common law but not on excess basis This includes Occurrence and Claims-Made policies)

Appendix #1: Distribution Style Classifications

This 2024 Louisiana P&C Marketplace Summary classifies insurers into Distribution Styles based on the insurer’s reported Marketing Type(s). These Marketing Types are provided by A.M. Best as part of what is known as a “Galley Process.”. Below are the various Marketing Types reported by insurers in 2023.

Marketing Types Reported by A.M. Best Company:

Affinity Group Marketing

Bank

Broker

Career Agent

Direct Response

Exclusive/Captive Agent

General Agent

Inactive

Independent Agency

Internet

Managing General Agent

Not Available

Other

Other Agency

Other Direct

Worksite Marketing

Distribution Style Classifications:

The approach used by this Summary is to take each insurer’s reported Marketing Type and classify data from that insurer into one of 6 Distribution Styles Some insurer classifications are obvious and straight forward, others less so When insurers list multiple Marketing Types, more weight is given to the Marketing Type listed first, that closest aligns to each Distribution Style About 10% of insurers have “Not Available” for their listed Marketing Type These insurers represent less than 1% of all written premiums in 2023

There are 6 Distribution Styles into which each insurer is categorized in this Summary: (1) Pure IA or Broker, (2) MGA/Wholesale, (3) IA-Mixed, (4) Exclusive-Captive, (5) Direct, and (6) Other When general Independent Agent distribution figures are cited, data for the first three Distribution Styles are combined. The remaining 3 Distribution Styles stand on their own. Other industry analyses of distribution and penetration may vary in how the impact of insurer Distribution Style choices are determined, but generally the results are similar to the approach taken in this Summary.

By controlling the Distribution Style classification in this way, for each insurer, flexibility is attained in providing data that matches an Independent Agent’s view of the marketplace. It allows determination of approximate penetrations of the Distribution Styles by Line of Business, and also the creation of lists of insurers by Line of Business for each Distribution Style. This is illustrated in the 2 tables below.

Proprietary Classification of Premiums by Line of Business

Featured in the table below, Louisiana: All Lines of Business Distribution Style, are the premiums, calculated based on the proprietary classification of insurers into Distribution Styles Premiums are shown first for each Line of Business and all Distribution Styles combined, and then for each of 6 Distribution Styles previously listed above All 32 Lines of Business are included, but bold and underlined are the 26 P&C Independent Agent-focused Lines of Business The total for those 26 lines is provided in the last line of the table, Total (IA-Focused Lines)

Louisiana: All Lines of Business Distribution Style (Premiums in Millions of Dollars)

Louisiana All P-C Lines of Business

& Health

Write-ins

(all perils)

Top 10 Largest Insurers by Distribution Style

To provide examples of the classification approach results, the top insurers in each Distribution Style are shown below with the reported Marketing Type and premiums for Louisiana Top 10

Insurers by Distribution Style

(Premium in Thousands)

Louisiana

Louisiana Workers' Compensation Corp

Imperial Fire and Casualty Insurance Co

Continental Casualty Company

Allstate Vehicle and Property Ins Co

Foremost Insurance Co Grand Rapids, MI

National Union Fire Ins Co Pittsburgh PA

Safeco Insurance Company of Oregon

Property Insurance Company

Insurance Company

Louisiana

Southern Farm Bureau Casualty Ins Co

American National Property & Casualty Co

Allstate Indemnity Company

Dover Bay Specialty Insurance Company

10 Insurers Classified as MGA/Wholesale

State

State Farm Group

Allstate Insurance Group

Southern Farm Bureau Casualty Group

Shelter Insurance Companies

Southern Farm Bureau Casualty Group

BAMR US PC Group

Allstate Insurance Group

State Farm Group

Top 10 Largest Insurers by Distribution Style

Appendix #2: NAIC Line of Business

Explained coverage written in that do not fit elsewhere

Coverage for aircraft (hull) and their contents; aircraft owners’ and aircraft manufacturers’ liability to passengers, airports and other third parties

Extended coverage; glass; tornado, windstorm and hail; sprinkler and water damage; explosion, riot and civil commotion; rain; and damage from aircraft and vehicle

Commercial Auto No-Fault (Personal Injury Protection) Other Commercial Auto Passenger Liability (Include-BI, PD, UM and UIM). Commercial Auto Physical Damage.

Private Passenger Auto No-Fault (Personal Injury Protection) Other Private Passenger Auto Liability (Include-BI/PD/UM and UIM) Private Passenger Auto Physical Damage

Coverage for the failure of boilers, machinery and electrical equipment Benefits include: (i) property of the insured that has been directly damaged by the accident (ii) Costs of temporary repairs and expediting expenses (iii) Liability for damage to the property of others

Coverage for property taken or destroyed by breaking and entering the insured’s premises, burglary or theft, forgery or counterfeiting, fraud, kidnap and ransom, and off-premises exposure

A contract for a commercial enterprise that packages two or more insurance coverages protecting an enterprise from various property and liability risk exposures Frequently includes fire, allied lines, various other coverages (e g , difference in conditions) and liability coverage (such coverages would be included in other annual statement lines, if written individually) Include multi-peril policies (other than farmowners, homeowners and automobile policies) that include coverage for liability other than auto (Builders’ Risk Policies, Businessowners, Commercial Package Policies, Manufacturers Output Policies, e-Commerce and Difference-in-Conditions)

Coverage purchased by consumers, manufacturers, merchants, educational institutions or other providers of goods and services extending credit, for indemnification of losses or damages resulting from the nonpayment of debts owed to/from them for goods or services provided in the normal course of their business

Indemnification coverage provided to self-insured employers on an excess of loss basis

A package policy for farming and ranching risks, similar to a homeowners policy, that has been adopted for farms and ranches and includes both property and liability coverages for personal and business losses Coverages include farm dwellings and their contents, barns, stables, other farm structures and farm inland marine, such as mobile equipment and livestock A commercial package policy for farming and ranching risks that includes both property and liability coverage. Coverage includes barns, stables, other farm structures and farm inland marine, such as mobile equipment and livestock

A bond covering an employer’s loss resulting from an employee’s dishonest act (e g , loss of cash, securities, valuables, etc )

A surety bond, insurance policy, or when issued by an insurer, an indemnity contract and any guaranty similar to the foregoing types, under which loss is payable upon proof of occurrence of financial loss to an insured claimant, obligee or indemnitee as a result of failure to perform a financial obligation (see Financial Guaranty Insurance Guideline (#1626))

Coverage protecting the insured against the loss to real or personal property from damage caused by the peril of fire or lightning, including business interruption, loss of rents, etc

A package policy combining broad property coverage for the personal property and/or structure with broad personal liability coverage. Coverage applicable to the dwelling, appurtenant structures, unscheduled personal property and additional living expense are typical Includes mobile homes at a fixed location (Alternative Workers’ Compensation, Employers’ Liability and Standard Workers’ Compensation)

Coverage for property that may be in transit, held by a bailee, at a fixed location, a movable good that is often at different locations (e g , off-road construction equipment) or scheduled property (e g , Homeowners Personal Property Floater), including items such as live animals, property with antique or collector’s value, etc. This line also includes instrumentalities of transportation and communication, such as bridges, tunnels, piers, wharves, docks, pipelines, power and phone lines, and radio and television towers (Animal Mortality, EDP Policies, Pet Insurance Plans, Communication Equipment, Event Cancellation, Travel Coverage, Vehicle Excess Waiver, Boatowners, Other Commercial Inland Marine, Other Personal Marine and Cash and Cash in Transit Insurance)

Definition

Includes all business transacted outside the U S and its territories and possessions where the appropriate Line of Business is not determinable

Insurance coverage protecting a licensed health care provider or health care facility against legal liability resulting from the death or injury of any person due to the insured’s misconduct, negligence, or incompetence in rendering professional services Medical Professional Liability is also known as Medical Malpractice

Insurance that indemnifies a lender from loss if a borrower fails to meet required mortgage payments

Coverage for ocean and inland water transportation exposures; goods or cargoes; ships or hulls; earnings; and liability

Same as 17 1 but on a Claims-Made Basis These policies cover insured events that are reported (as defined in the policy) within the effective dates of the policy, subject to retroactive dates and extended reporting periods when applicable

Occurrence Based: These policies cover insured events that occur within the effective dates of the policy, regardless of when they are reported to the reporting entity Insurance coverage protecting the insured against legal liability resulting from negligence, carelessness or a failure to act, causing property damage or personal injury to others. Typically, coverages include construction and alteration liability; contingent liability; contractual liability; elevators and escalators liability; errors and omissions liability, environmental pollution liability; excess stop loss, excess over insured or self-insured amounts and umbrella liability; liquor liability; personal injury liability; premises and operations liability; completed operations liability, nonmedical professional liability, etc Also includes indemnification coverage provided to self-insured employers on an excess of loss basis (excess workers’ compensation) (Completed Operations, Construction Liability, Contingent Liability, Contractual Liability, Elevators, Error and Omissions, Environmental Pollution, Excess and Umbrella, Personal Liability, Premises and Operations, Excess Workers’ Compensation, Commercial General Liability, Comprehensive Personal Liability, Day Care Centers, Directors and Officers, Employee Benefit Liability, Employers’ Liability, Employment Practices, Fire Legal, Municipal Liability, Nuclear Energy, Veterinarian, Internet Liability and Cyber Liability) Excludes excess workers’ compensation

Insurance coverage protecting the manufacturer, distributor, seller or lessor of a product against legal liability resulting from a defective condition causing personal injury, or damage, to any individual or entity, associated with the use of the product.

A three–party agreement where the insurer agrees to pay a second party (the obligee) or make complete an obligation in response to the default, acts or omissions of a third party (the principal)

Coverage that protects against manufacturer’s defects past the normal warranty period and for repair after breakdown to return a product to its originally intended use Warranty insurance generally protects consumers from financial loss caused by the seller’s failure to rectify or compensate for defective or incomplete work and cost of parts and labor necessary to restore a product’s usefulness. Includes, but is not limited to, coverage for all obligations and liabilities incurred by a service contract provider, mechanical breakdown insurance and service contracts written by insurers (Mechanical Breakdown and Service Contracts)

Insurance that covers an employer’s liability for injuries, disability or death to persons in their employment, without regard to fault, as prescribed by state or Federal workers’ compensation laws and other statutes Includes employer’s liability coverage against the common law liability for injuries to employees (as distinguished from the liability imposed by Workers’ Compensation Laws). Excludes excess workers’ compensation

Definition

Coverage protecting the insured against the loss to real or personal property from damage caused by the peril of fire or lightning, including business interruption, loss of rents, etc

Extended coverage; glass; tornado, windstorm and hail; sprinkler and water damage; explosion, riot and civil commotion; rain; and damage from aircraft and vehicle

Insurance protection that is subsidized or reinsured by the Federal Crop Insurance Corporation for protection against losses due to damage, decreases in revenues and/or gross margins from crop, livestock and other agricultural-related production from unfavorable weather conditions, drought, wind, frost, fire or lightning, flood, hail, insect infestation, disease or other yield-reducing conditions or perils

Coverage provided by the Federal Insurance Administration (FIA) of the Federal Emergency Management Agency (FEMA) through insurers participating in the National Flood Insurance Program’s (NFIP) Write Your Own (WYO) program Coverage is subject to the terms and conditions provided in the Financial Assistance/Subsidy Arrangement between the reporting entity and the FIA

Private market coverage for crop insurance and agricultural-related protection, such as hail and fire, and is not reinsured by the Federal Crop Ins

Private market coverage (primary standalone, first dollar policies that cover the flood peril and excess flood) for flood insurance that is not offered through the National Flood Insurance Program. (Sewer/water backup coverage issued as an endorsement homeowners or commercial policy )

Property coverages for losses resulting from a sudden trembling or shaking of the earth, including that caused by volcanic eruption Excluded are losses resulting from fire, explosion, flood or tidal wave following the covered event

Appendix #3: Line of Business Facts - A Visual Reference

Below is an image of a sample Line of Business In-Depth Detail page It is provided with notations (A-I) to assist in understanding the components of the product details provided for each Line of Business

Appendix #4: Louisiana All Active Insurers List

On the following pages, Appendix #4: Louisiana All Active Insurers List presents the 2023 year’s list of policyissuing insurers with any direct written premium greater than $0, for all reporting insurers in Louisiana Insurers are listed in alphabetical order

Included for each insurer on the List is: the insurer’s total Direct Written Premium the premium change from 2022 to 2023 the percentage that Louisiana The fastest growing Lines of Business in Indiana are Fire Peril Only 26 2%), Allied Perils Only (23 3%), and All Private Passenger Auto (13 3%) the policy-issuing insurer’s Louisiana Adjusted Loss Ratio

This appendix allows you to quickly see basic information on the many insurers that might be encountered in daily Independent Agent insurance agency operations If you desire to know more about a particular insurer, you can check with your Independent Insurance Agents & Brokers of Louisiana staff

Policy-IssuingInsurer

21stCenturyPremierInsuranceCo

7710InsuranceCompany

AcademicMedicalProfInsExchangeRRG

AccelerantNationalInsuranceCompany

AccelerantSpecialtyInsuranceCompany

AcceptanceIndemnityInsuranceCompany

AccidentFundGeneralInsuranceCo

AccidentFundInsCoofAmerica

AccidentFundNationalInsuranceCo

AccidentInsuranceCompany,Inc

AccreditedSpecialtyInsuranceCompany

AccreditedSuretyandCasualtyCo,Inc

ACEAmericanInsuranceCompany

ACEFireUnderwritersInsuranceCompany

ACEInsuranceCompanyoftheMidwest

ACEPropertyandCasualtyInsuranceCo

ACIGInsuranceCompany

ACSTARInsuranceCompany

AdmiralInsuranceCompany

AdriaticInsuranceCompany

AegisSecurityInsuranceCompany

AffiliatedFMInsuranceCompany

AffiliatesInsuranceReciprocal,ARRG

AGCSMarineInsuranceCompany

AgentAllianceInsuranceCompany

AgriGeneralInsuranceCompany

AIGAssuranceCompany

AIGPropertyCasualtyCompany

AIGSpecialtyInsuranceCompany

AIUInsuranceCompany

AIXSpecialtyInsuranceCompany

AlaskaNationalInsuranceCompany

AlleghenyCasualtyCompany

AllianceofNonprofitsforInsRRG,Inc

AllianzGlobalRisksUSInsuranceCo

AllianzUnderwritersInsuranceCompany

AlliedEasternIndemnityCompany

AlliedProfessionalsInsCo,ARRG,Inc

AlliedTrustInsuranceCompany

AlliedWorldAssuranceCo(US)Inc

AlliedWorldInsuranceCompany

AlliedWorldNationalAssuranceCompany

AlliedWorldSpecialtyInsuranceCompany

AlliedWorldSurplusLinesInsuranceCo

AllmericaFinancialAllianceInsCo

AllmericaFinancialBenefitInsuranceCo

AllstateFireandCasualtyInsuranceCo

AllstateIndemnityCompany

AllstateInsuranceCompany

AllstatePropertyandCasualtyInsCo

AllstateVehicleandPropertyInsCo

AMSpecialtyInsuranceCompany

AmericaFirstInsuranceCompany

AmericanAgri-BusinessInsuranceCompany

AmericanAlternativeInsuranceCorp

AmericanAssocofOrthodontistsInsRRG

AmericanAutomobileInsuranceCompany

AmericanBankersInsuranceCoofFlorida

AmericanCasualtyCompanyofReading,PA

AmericanCommerceInsuranceCompany

AmericanContractorsIndemnityCompany

AmericanContractorsInsuranceCoRRG

AmericanFamilyHomeInsuranceCompany

AmericanFederatedInsuranceCompany

AmericanFederationInsuranceCompany

AmericanFireandCasualtyCompany

AmericanGuaranteeandLiabilityInsCo

AmericanHomeAssuranceCompany

AmericanInterstateInsCoofTexas

AmericanInterstateInsuranceCompany

AmericanLibertyInsuranceCompany

AmericanMercuryInsuranceCompany

AmericanModernHomeInsuranceCompany

AmericanModernProperty&CasualtyIns

AmericanModernSelectInsuranceCompany

AmericanNationalGeneralInsuranceCo

AmericanNationalLloydsInsuranceCo

AmericanNationalProperty&CasualtyCo

AmericanPetInsuranceCompany

AmericanReliableInsuranceCompany

AmericanRiskInsuranceCompany

AmericanRoadInsuranceCompany

AmericanSecurityInsuranceCompany

InsurerGroup(ifany)

FarmersInsuranceGroup

BenchmarkInsuranceGroup

AccelerantUSHoldingsGroup

IATInsuranceGroup

AFGroup

AccidentInsuranceGroup

Randall&QuilterAmericaHoldingsInc

ChubbINAGroup

AmericanContractorsInsuranceGroup

W R BerkleyInsuranceGroup

LDInvestmentsGroup

FMGlobalGroup

AllianzUSPCInsuranceCompanies

AllstateInsuranceGroup

ChubbINAGroup

AmericanInternationalGroup

HanoverInsGroupProp&CasCos

CopperPointInsuranceGroup

IATInsuranceGroup

NonprofitsInsuranceAllianceGroup

AllianzUSPCInsuranceCompanies

ProAssuranceGroup

FairfaxFinancial(USA)Group

HanoverInsGroupProp&CasCos

AllstateInsuranceGroup

LibertyMutualInsuranceCompanies

SompoHoldingsUSGroup

Munich-AmericanHoldingCorpCompanies

AllianzUSPCInsuranceCompanies

AssurantP&CGroup

CNAInsuranceCompanies

MAPFRENorthAmericaGroup

TokioMarineUSPCGroup

AmericanContractorsInsuranceGroup

Munich-AmericanHoldingCorpCompanies

FarmersInsuranceGroup

LibertyMutualInsuranceCompanies

ZurichInsuranceUSPCGroup

AmericanInternationalGroup

AMERISAFEInsuranceGroup

BenchmarkInsuranceGroup

MercuryCasualtyGroup

Munich-AmericanHoldingCorpCompanies

BAMRUSPCGroup

TrupanionInsuranceGroup

ECMGroup

AssurantP&CGroup

2023Louisiana Premium

$105,000

$1,644,000

$9,000

$105,000

$15,361,000

$13,107,000

$3,867,000

$5,913,000

$1,007,000

$504,000

$5,336,000

$4,431,000

$74,815,000

$22,000

$5,576,000

$43,826,000

$688,000

$11,000

$20,689,000

$14,000

$28,000

$20,411,000

$16,000

$19,127,000

$5,915,000

$17,865,000

$3,000

$1,724,000

$25,581,000

$10,283,000

$5,229,000

$226,000

$2,186,000

$10,000

$27,296,000

$9,533,000

$610,000

$49,000

$107,899,000

$13,964,000

$4,116,000

$3,785,000

$6,924,000

$9,771,000

$166,000

$23,724,000

$4,779,000

$82,174,000

$239,376,000

$415,992,000

$150,227,000

$34,000

$22,924,000

$45,354,000

$18,738,000

$123,000

$3,071,000

$70,542,000

$22,056,000

$344,000

$2,043,000

$3,363,000

$1,717,000

$5,748,000

$102,000

$3,202,000

$16,070,000

$1,613,000

$1,729,000

$12,364,000

$2,899,000

$399,000

$4,308,000

$57,361,000

$240,000

$9,561,000

$1,909,000

$97,325,000

$6,041,000

$3,368,000

$3,000

$1,724,000

$57,409,000 2022to2023

Policy-IssuingInsurer

AmericanSouthernHomeInsuranceCompany

AmericanStatesInsuranceCompany

AmericanSuretyCompany

AmericanTrucking&TranspInsCo,aRRG

AmericanZurichInsuranceCompany

AmerisureInsuranceCompany

AmerisureMutualInsuranceCompany

AmerisurePartnersInsuranceCompany

AMEXAssuranceCompany

AmFedAdvantageInsuranceCompany

AmFedCasualtyInsuranceCompany

AmFedNationalInsuranceCompany

AmGUARDInsuranceCompany

AmicaMutualInsuranceCompany

AmTrustInsuranceCompany

AppliedMedico-LegalSolutionsRRG,Inc

ARAGInsuranceCompany

ArchIndemnityInsuranceCompany

ArchInsuranceCompany

ArchMortgageInsuranceCompany

ArchSpecialtyInsuranceCompany

ARCOARiskRetentionGroup,Inc

ArgonautInsuranceCompany

Argonaut-MidwestInsuranceCompany

ARISEBoilerInspection&InsuranceRRG

ArmedForcesInsuranceExchange

AscalonRiskRetentionGroup,Inc

AscotInsuranceCompany

AscotSpecialtyInsuranceCompany

AscotSurety&CasualtyCompany

ASILloyds

AspenAmericanInsuranceCompany

AspenSpecialtyInsuranceCompany

AssociatedIndustriesInsuranceCompany

AtainInsuranceCompany

AtainSpecialtyInsuranceCompany

AtegritySpecialtyInsuranceCompany

AtlanticCasualtyInsuranceCompany

AtlanticSpecialtyInsuranceCompany

AtradiusTradeCreditInsurance,Inc

Attorneys LiabAssrSocietyLtd,ARRG

AttProRRGReciprocalRRG

AutomobileClubInter-InsuranceExchange

AutomobileInsCoofHartford,CT

AvemcoInsuranceCompany

AXISInsuranceCompany

AXISReinsuranceCompany

AXISSurplusInsuranceCompany

AZGUARDInsuranceCompany

BankersInsuranceCompany

BankersStandardInsuranceCompany

BARVermontRiskRetentionGroup,Inc

BCSInsuranceCompany

BearingMidwestCasualtyCompany

BeazleyInsuranceCompany,Inc

BenchmarkInsuranceCompany

BenchmarkSpecialtyInsuranceCompany

BerkleyAssuranceCompany

BerkleyCasualtyCompany

BerkleyInsuranceCompany

BerkleyNationalInsuranceCompany

BerkleyRegionalInsuranceCompany

BerkleySpecialtyInsuranceCompany

BerkshireHathawayDirectInsuranceCo

BerkshireHathawayHomestateInsCo

BerkshireHathawaySpecialtyInsCo

BITCOGeneralInsuranceCorporation

BITCONationalInsuranceCompany

BlueHillSpecialtyInsuranceCompany

BondSafeguardInsuranceCompany

BranchInsuranceExchange

BricktownSpecialtyInsuranceCompany

BridgefieldCasualtyInsuranceCompany

BridgefieldEmployersInsuranceCompany

BridgewayInsuranceCompany

BrotherhoodMutualInsuranceCompany

BuildAmericaMutualAssurCo

BulldogNationalRRG,Inc

BurlingtonInsuranceCompany

CajunUnderwritersReciprocalExchange

CaliforniaCasualtyIndemnityExchange

CAMICOMutualInsuranceCompany

CampmedCasualty&IndemnityCompany

InsurerGroup(ifany)

Munich-AmericanHoldingCorpCompanies

LibertyMutualInsuranceCompanies

CoreSpecialtyInsuranceGroup

ZurichInsuranceUSPCGroup

AmerisureCompanies

AscotInsuranceUS Group

BerkshireHathawayInsuranceGroup

AmicaMutualGroup

AmTrustGroup

ArchInsuranceGroup

AMERCOPropertyandCasualtyInsGroup

BAMRUSPCGroup

AscotInsuranceUS Group

ProgressiveInsuranceGroup

AspenUSInsuranceGroup

AmTrustGroup

AtainInsuranceCompanies

Auto-OwnersInsuranceGroup

IntactUSInsuranceGroup

BerkshireHathawayInsuranceGroup

AutoClubEnterprisesInsuranceGroup

TravelersGroup

TokioMarineUSPCGroup

AXISUSOperations

BerkshireHathawayInsuranceGroup

BankersFinancialGroup

ChubbINAGroup

BCSFinancialGroup

WaypointMutualGroup

BeazleyUSAInsuranceGroup

BenchmarkInsuranceGroup

W R BerkleyInsuranceGroup

BerkshireHathawayInsuranceGroup

OldRepublicInsuranceGroup

ProgressiveInsuranceGroup

SompoHoldingsUSGroup

TrisuraUSInsuranceGroup

GreatAmericanP&CInsuranceGroup

Munich-AmericanHoldingCorpCompanies

IFGCompanies

SafepointInsuranceGroup

CaliforniaCasualtyGroup

HanoverInsGroupProp&CasCos

2023Louisiana Premium

$2,120,000

$8,000

$81,000

$1,180,000

$33,777,000

$4,098,000

$5,020,000

$812,000

$1,145,000

$2,000

$544,000

$233,000

$64,102,000

$11,079,000

$11,785,000

$707,000

$189,000

$5,192,000

$62,489,000

$7,569,000

$48,291,000

$3,000

$14,508,000

$539,000

$12,000

$2,815,000

$4,000

$18,343,000

$9,180,000

$227,000

$10,037,000

$4,780,000

$9,427,000

$10,747,000

$259,000

$12,360,000

$14,218,000

$37,292,000

$13,631,000

$497,000

$3,633,000

$623,000

$24,927,000

$524,000

$847,000

$6,081,000

$178,000

$55,451,000

$247,000

$24,867,000

$577,000

$24,000

$20,666,000

$14,000

$6,735,000

$3,785,000

$3,187,000

$5,637,000

$1,157,000

$6,012,000

$11,776,000

$4,279,000

$680,000

$5,862,000

$2,372,000

$16,830,000

$15,989,000

$365,000

$62,036,000

$11,000

$3,000

$175,000

$29,024,000

$5,170,000

$20,295,000

$11,451,000

$253,000

$1,692,000

$19,239,000

$105,562,000

$437,000

$565,000

$9,000

2022to2023

Policy-IssuingInsurer

CanopiusUSInsurance,Inc

CapitolIndemnityCorporation

CapitolSpecialtyInsuranceCorporation

CARERiskRetentionGroup,Inc

CaringCommunities,aReciprocalRRG

CarolinaCasualtyInsuranceCompany

CaterpillarInsuranceCompany

CenstatCasualtyCompany

CentauriNationalInsuranceCompany

CentennialCasualtyCompany

CentralStatesIndemnityCo ofOmaha

CenturionCasualtyCompany

CenturySuretyCompany

Century-NationalInsuranceCompany

ChamplainSpecialtyInsuranceCompany

CharterOakFireInsuranceCompany

CherokeeInsuranceCompany

ChicagoInsuranceCompany

ChironInsuranceCompany

ChubbCustomInsuranceCompany

ChubbIndemnityInsuranceCompany

ChubbNationalInsuranceCompany

ChurchMutualInsuranceCompany,SI

CimarronInsuranceCompany,Inc

CincinnatiCasualtyCompany

CincinnatiIndemnityCompany

CincinnatiInsuranceCompany

CincinnatiSpecialtyUnderwritersInsCo

CircleStarInsuranceCompanyRRG

ClaimProfLiabilityInsuranceCoARRG

ClearBlueInsuranceCompany

ClearBlueSpecialtyInsuranceCompany

ClearSpringProperty&CasualtyCompany

ClearcoverInsuranceCompany

ClinicianAssuranceInc,aRRG

CMSelectInsuranceCompany

CMVantageSpecialtyInsuranceCompany

CoalitionInsuranceCompany

CofaceNorthAmericaInsuranceCompany

CollegeRiskRetentionGroup,Inc

ColonialAmericanCasualty&SuretyCo

ColonialSuretyCompany

ColonyInsuranceCompany

ColonySpecialtyInsuranceCompany

ColumbiaCasualtyCompany

CommerceandIndustryInsuranceCompany

CommunityBloodCenters ExchRRG

ConcertInsuranceCompany

ConcertSpecialtyInsuranceCompany

ConiferInsuranceCompany

ConsumerSpecialtiesInsuranceCoRRG

ContinentalCasualtyCompany

ContinentalHeritageInsuranceCompany

ContinentalIndemnityCompany

ContinentalInsuranceCompany

ContinentalWesternInsuranceCompany

ContractorsBondingandInsuranceCo

COPIC,ARiskRetentionGroup

CorePointeInsuranceCompany

CountyHallInsuranceCompanyInc ARRG

CourtesyInsuranceCompany

CoverysSpecialtyInsuranceCompany

CovingtonSpecialtyInsuranceCompany

CrestbrookInsuranceCompany

CrossFitRiskRetentionGroup,Inc

Crum&ForsterIndemnityCompany

Crum&ForsterSpecialtyInsuranceCo

CUMISInsuranceSociety,Inc

CUMISSpecialtyInsuranceCompany,Inc

CypressInsuranceCompany

DANRiskRetentionGroup,Inc

DealersAssuranceCompany

DevelopersSuretyandIndemnityCompany

DoctorsCompany,AnInterinsuranceExch

DorincoReinsuranceCompany

DoverBaySpecialtyInsuranceCompany

EasternAdvantageAssuranceCompany

EasternAllianceInsuranceCompany

EastGUARDInsuranceCompany

EconomyPremierAssuranceCompany

ElectricInsuranceCompany

ElevateReciprocalExchange

EMCProperty&CasualtyCompany

InsurerGroup(ifany)

BerkshireHathawayInsuranceGroup

W R BerkleyInsuranceGroup

AUHoldingCompanyGroup

BerkshireHathawayInsuranceGroup

AFGroup

AllstateInsuranceGroup

TravelersGroup

AllianzUSPCInsuranceCompanies

PharmacistsMutualInsuranceGroup

ChubbINAGroup

ChurchMutualInsuranceGroup

TheCincinnatiInsuranceCompanies

ClearBlueInsuranceGroup

Group1001PropertyandCasualtyGroup

ChurchMutualInsuranceGroup

ZurichInsuranceUSPCGroup

BAMRUSPCGroup

CNAInsuranceCompanies

AmericanInternationalGroup

ConcertInsuranceGroup

ConiferInsuranceGroup

CNAInsuranceCompanies

AUHoldingCompanyGroup

CNAInsuranceCompanies

W R BerkleyInsuranceGroup

RLIGroup

COPICInsuranceGroup

AmTrustGroup

CoverysCompanies

BerkshireHathawayInsuranceGroup

NationwideProperty&CasualtyGroup

FairfaxFinancial(USA)Group

CUMISInsuranceSocietyGroup

BerkshireHathawayInsuranceGroup

AmTrustGroup

DoctorsCompanyInsuranceGroup

StateFarmGroup

ProAssuranceGroup

BerkshireHathawayInsuranceGroup

FarmersInsuranceGroup

ForzaInsuranceGroup

EMCInsuranceCompanies

2023Louisiana Premium

$3,346,000

$759,000

$6,756,000

$6,000

$47,000

$2,420,000

$8,926,000

$184,000

$55,338,000

$129,000

$1,297,000

$15,000

$12,443,000

$981,000

$3,866,000

$29,957,000

$190,000

$4,000

$142,000

$2,210,000

$1,093,000

$483,000

$10,266,000

$65,000

$102,000

$150,000

$1,971,000

$64,000

$21,000

$182,000

$5,111,000

$7,109,000

$1,792,000

$611,000

$24,000

$31,000

$575,000

$30,000

$538,000

$150,000

$128,000

$179,000

$16,439,000

$1,179,000

$15,259,000

$1,679,000

$105,000

$614,000

$717,000

$5,000

$6,000

$155,708,000

$44,000

$1,745,000

$27,001,000

$669,000

$231,000

$114,000

$4,152,000

$227,000

$324,000

$3,120,000

$24,206,000

$8,000

$46,000

$1,212,000

$38,099,000

$12,281,000

$1,084,000

$2,272,000

$93,000

$3,595,000

$178,000

$892,000

$25,275,000

$27,983,000

$774,000

$1,505,000

$48,000

$1,164,000

$1,085,000

$5,424,000

$19,470,000

Policy-IssuingInsurer

EMCASCOInsuranceCompany

EmergencyCapitalManagement,ARRG,LLC

EmpireFireandMarineInsuranceCompany

EmployersAssuranceCompany

EmployersCompensationInsuranceCompany

EmployersInsuranceCompanyofNevada

EmployersInsuranceCompanyofWausau

EmployersMutualCasualtyCompany

EmployersPreferredInsuranceCompany

EnactMortgageInsuranceCorpofNC

EnactMortgageInsuranceCorporation

EncompassIndemnityCompany

EncompassInsuranceCompanyofAmerica

EncompassPropertyandCasualtyCompany

EnduranceAmericanInsuranceCompany

EnduranceAmericanSpecialtyInsCo

EnduranceAssuranceCorporation

EssentGuaranty,Inc

EssentiaInsuranceCompany

EsuranceInsuranceCompany

EulerHermesNorthAmericaInsuranceCo

EvanstonInsuranceCompany

EverestDenaliInsuranceCompany

EverestIndemnityInsuranceCompany

EverestNationalInsuranceCompany

EverestPremierInsuranceCompany

EverestReinsuranceCompany

EvergreenNationalIndemnityCompany

EverspanIndemnityInsuranceCompany

EverspanInsuranceCompany

ExecutiveRiskIndemnityInc

FactoryMutualInsuranceCompany

FairAmericanInsuranceandReinsCo

FallsLakeFireandCasualtyCompany

FarmersCasualtyInsuranceCompany

FarmersDirectPropandCasInsuranceCo

FarmersGroupPropandCasInsuranceCo

FarmersInsuranceExchange

FarmersMutualHailInsuranceCoofIowa

FarmersPropertyandCasualtyInsCo

FarmingtonCasualtyCompany

FCCIInsuranceCompany

FederalInsuranceCompany

FederatedMutualInsuranceCompany

FederatedReserveInsuranceCompany

FederatedRuralElectricInsExchange

FederatedServiceInsuranceCompany

FidelityandDepositCompanyofMaryland

FidelityandGuarantyInsuranceCompany

FinancialCasualty&Surety,Inc

FinancialIndemnityCompany

Fireman'sFundIndemnityCorporation

FiremansFundInsuranceCompany

FirstChicagoInsuranceCompany

FirstColonialInsuranceCompany

FirstCommunityInsuranceCompany

FirstFinancialInsuranceCompany

FirstGuardInsuranceCompany

FirstLibertyInsuranceCorporation

FirstMercuryInsuranceCompany

Florists MutualInsuranceCompany

FMHAgRiskInsuranceCompany

ForemostInsuranceCoGrandRapids,MI

ForemostPropertyandCasualtyInsCo

FortegraSpecialtyInsuranceCompany

FortressInsuranceCompany

FoundersInsuranceCompany

FrankWinstonCrumInsuranceCompany

FrankenmuthInsuranceCompany

FranklinCasualtyInsuranceCoRRG

FreedomSpecialtyInsuranceCompany

FutureCareRiskRetentionGroup,Inc

GarrisonPropertyandCasualtyInsCo

GEICOCasualtyCompany

GEICOChoiceInsuranceCompany

GEICOGeneralInsuranceCompany

GEICOIndemnityCompany

GEICOMarineInsuranceCompany

GEICOSecureInsuranceCompany

GeminiInsuranceCompany

GeneralCasualtyCompanyofWisconsin

GeneralInsuranceCompanyofAmerica

GeneralSecurityIndemnityCoofArizona

InsurerGroup(ifany)

EMCInsuranceCompanies

ZurichInsuranceUSPCGroup

EmployersInsuranceGroup

LibertyMutualInsuranceCompanies

EMCInsuranceCompanies

EmployersInsuranceGroup

EnactMortgageInsuranceGroup

AllstateInsuranceGroup

SompoHoldingsUSGroup

EssentGuarantyGroup

MarkelInsuranceGroup

AllstateInsuranceGroup

AllianzUSPCInsuranceCompanies

MarkelInsuranceGroup

EverestReUS Group

StillwaterInsuranceGroup

AmbacFinancialGroup

ChubbINAGroup

FMGlobalGroup

BerkshireHathawayInsuranceGroup

JamesRiverGroup

FarmersInsuranceGroup

FMHInsuranceGroup

FarmersInsuranceGroup

TravelersGroup

FCCIInsuranceGroup

ChubbINAGroup

FederatedMutualGroup

ZurichInsuranceUSPCGroup

TravelersGroup

KemperPCCompanies

AllianzUSPCInsuranceCompanies

FirstChicagoInsuranceGroup

AllstateInsuranceGroup

BankersFinancialGroup

IFGCompanies

BiglariHoldingsInsuranceGroup

LibertyMutualInsuranceCompanies

FairfaxFinancial(USA)Group

SentryInsuranceGroup

FMHInsuranceGroup

FarmersInsuranceGroup

FortegraP&CGroup

NationalGroup

UticaNationalInsuranceGroup

FrankenmuthInsuranceGroup

NationwideProperty&CasualtyGroup

USAAGroup

BerkshireHathawayInsuranceGroup

W R BerkleyInsuranceGroup

QBENorthAmericaInsuranceGroup

LibertyMutualInsuranceCompanies

SCORUSGroup

2023Louisiana Premium

$2,419,000

$88,000

$2,935,000

$778,000

$382,000

$130,000

$11,136,000

$16,632,000

$7,168,000

$10,000

$11,045,000

$1,671,000

$5,619,000

$7,695,000

$15,059,000

$45,707,000

$3,560,000

$9,945,000

$10,849,000

$9,893,000

$3,318,000

$76,408,000

$7,161,000

$27,650,000

$16,690,000

$3,636,000

$2,197,000

$1,697,000

$1,425,000

$38,000

$1,389,000

$108,459,000

$1,694,000

$1,945,000

$65,000

$112,000

$6,087,000

$4,121,000

$3,937,000

$21,271,000

$1,897,000

$17,456,000

$53,473,000

$22,792,000

$12,237,000

$5,098,000

$10,064,000

$6,822,000

$3,890,000

$1,233,000

$17,092,000

$2,001,000

$8,110,000

$2,959,000

$477,000

$286,000

$525,000

$1,109,000

$10,153,000

$335,000

$67,000

$4,661,000

$137,157,000

$4,539,000

$11,900,000

$1,664,000

$1,007,000

$1,160,000

$4,000

$7,000

$852,000

$994,000

$104,964,000

$284,587,000

$8,981,000

$44,776,000

$13,889,000

$4,688,000

$170,743,000

$8,981,000

$1,566,000

$1,585,000

$21,433,000

2022to2023

Policy-IssuingInsurer

GeneralSecurityNationalInsuranceCo

GeneralStarIndemnityCompany

GeneraliUSB

GeoVeraSpecialtyInsuranceCompany

GlencarInsuranceCompany

GoAutoInsuranceCompany

GoldenBearInsuranceCompany

GoldenInsuranceCompany,ARRG

GothamInsuranceCompany

GovernmentEmployeesInsuranceCompany

GraniteRe,Inc

GraniteStateInsuranceCompany

GraySurplusLinesInsuranceCompany

GreatAmerRiskSolSurplusLinesInsCo

GreatAmericanAllianceInsuranceCo

GreatAmericanAssuranceCompany

GreatAmericanE&SInsuranceCompany

GreatAmericanFidelityInsuranceCo

GreatAmericanInsuranceCoofNewYork

GreatAmericanInsuranceCompany

GreatAmericanSecurityInsuranceCo

GreatAmericanSpiritInsuranceCompany

GreatDivideInsuranceCompany

GreatMidwestInsuranceCompany

GreatNorthernInsuranceCompany

GreatWestCasualtyCompany

GreenHillsInsuranceCompanyRRG

GreenwichInsuranceCompany

GreystoneInsuranceCompany

GuaranteeCompanyofNorthAmericaUSA

GuideOneEliteInsuranceCompany

GuideOneInsuranceCompany

GuideOneNationalInsuranceCompany

GuideOneSpecialtyInsuranceCompany

GulfStatesInsuranceCompany

HallmarkSpecialtyInsuranceCompany

HamiltonSelectInsuranceInc

HarcoNationalInsuranceCompany

HarleysvilleInsuranceCoofNewYork

HartfordAccidentandIndemnityCompany

HartfordCasualtyInsuranceCompany

HartfordFireInsuranceCompany

HartfordInsuranceCooftheMidwest

HartfordInsuranceCooftheSoutheast

HartfordInsuranceCompanyofIllinois

HartfordSteamBoilerInspec&Ins

HartfordUnderwritersInsuranceCompany

HDIGlobalInsuranceCompany

HDISpecialtyInsuranceCompany

HealthCareIndemnity,Inc

HealthCareIndustryLiabRecipInsRRG

HealthcareProfessionalRRG,Inc

HighlanderSpecialtyInsuranceCompany

HilltopSpecialtyInsuranceCompany

HiscoxInsuranceCompanyInc

HomelandInsuranceCompanyofDelaware

HomelandInsuranceCompanyofNewYork

HomesiteInsuranceCompany

HomesiteInsuranceCompanyofFlorida

HoraceMannInsuranceCompany

HoraceMannProperty&CasualtyInsCo

HousingAuthorityPropIns,AMutualCo

HousingAuthorityRRG,Inc

HousingEnterpriseInsuranceCo,Inc

HousingSpecialtyInsuranceCo,Inc

HoustonCasualtyCompany

HoustonSpecialtyInsuranceCompany

HPICRiskRetentionGroup

HSBSpecialtyInsuranceCompany

HudsonExcessInsuranceCompany

HudsonInsuranceCompany

IllinoisUnionInsuranceCompany

ImperialFireandCasualtyInsuranceCo

ImperiumInsuranceCompany

InclineCasualtyCompany

IndemnityInsuranceCoofNorthAmerica

IndemnityNationalInsuranceCompany

IndependenceAmericanInsuranceCompany

IndependentMutualFireInsuranceCo

IndianHarborInsuranceCompany

InsuranceCompanyofNorthAmerica InsuranceCompanyofStateofPA InsuranceCompanyoftheWest

InsurerGroup(ifany)

SCORUSGroup

BerkshireHathawayInsuranceGroup

GeoVeraUS InsuranceGroup

HDI/TalanxUSPCGroup

InSureHomesGroup

CoactionSpecialtyInsuranceGroup

BerkshireHathawayInsuranceGroup

FederatedMutualGroup

AmericanInternationalGroup

TheGrayInsuranceGroup

GreatAmericanP&CInsuranceGroup

W R BerkleyInsuranceGroup

SkywardSpecialtyInsuranceGroup

ChubbINAGroup

OldRepublicInsuranceGroup

XLAmericaCompanies

FairfaxFinancial(USA)Group

IntactUSInsuranceGroup

GuideOneInsuranceCompanies

GulfStatesGroup

HallmarkInsuranceGroup

IATInsuranceGroup

NationwideProperty&CasualtyGroup

HartfordInsuranceGroup

Munich-AmericanHoldingCorpCompanies

HartfordInsuranceGroup

HDI/TalanxUSPCGroup

ClearBlueInsuranceGroup

FairfaxFinancial(USA)Group

HiscoxUSAGroup

IntactUSInsuranceGroup

AmericanFamilyInsuranceGroup

HoraceMannInsuranceGroup

HAIGroup

TokioMarineUSPCGroup

SkywardSpecialtyInsuranceGroup

HealthcareProvidersInsuranceGroup

Munich-AmericanHoldingCorpCompanies

FairfaxFinancial(USA)Group

ChubbINAGroup

AllstateInsuranceGroup

SkywardSpecialtyInsuranceGroup

InclineInsuranceGroup

ChubbINAGroup

IndependencePetInsuranceGroup

XLAmericaCompanies

ChubbINAGroup

AmericanInternationalGroup

ICWGroup

2023Louisiana Premium

$492,000

$45,499,000

$8,223,000

$16,273,000

$380,000

$187,559,000

$446,000

$21,000

$14,291,000

$19,314,000

$219,000

$4,806,000

$1,644,000

$7,158,000

$5,943,000

$15,583,000

$14,984,000

$1,008,000

$1,061,000

$26,336,000

$1,940,000

$1,471,000

$4,466,000

$5,605,000

$31,981,000

$2,334,000

$24,000

$7,421,000

$3,000

$13,000

$222,000

$33,690,000

$2,974,000

$6,541,000

$92,533,000

$409,000

$1,324,000

$4,525,000

$1,192,000

$22,201,000

$12,410,000

$26,221,000

$16,489,000

$1,480,000

$330,000

$1,841,000

$20,116,000

$18,396,000

$2,984,000

$710,000

$341,000

$139,000

$601,000

$69,000

$7,117,000

$222,000

$9,667,000

$27,743,000

$2,181,000

$12,367,000

$6,031,000

$123,000

$186,000

$390,000

$147,000

$22,746,000

$98,544,000

$153,000

$410,000

$23,193,000

$6,703,000

$21,937,000

$228,738,000

$12,299,000

$643,000

$15,823,000

$3,730,000

$1,310,000

$310,000

$43,762,000

$2,000

$3,220,000

$1,021,000

2022to2023

Policy-IssuingInsurer

InsurorsIndemnityCompany

IntegonIndemnityCorporation

IntegonNationalInsuranceCompany

InternationalFidelityInsuranceCompany

InterstateFire&CasualtyCompany

IntrepidInsuranceCompany

IntrepidSpecialtyInsuranceCompany

IronshoreIndemnityInc

IronshoreSpecialtyInsuranceCo

ISMIEIndemnityCompany

JamesRiverInsuranceCompany

JeffersonInsuranceCompany

JetInsuranceCompany

JewelersMutualInsuranceCompany,SI

JMSpecialtyInsuranceCompany

KeyRiskInsuranceCompany

KinInterinsuranceNetwork

KinsaleInsuranceCompany

KnightSpecialtyInsuranceCompany

KnightBrookInsuranceCompany

KWSpecialtyInsuranceCompany

LAMMICO

LAMMICORiskRetentionGroup,Inc

LancerInsuranceCompany

LandmarkAmericanInsuranceCompany

LexingtonInsuranceCompany

LexingtonNationalInsuranceCorporation

LexonInsuranceCompany

LibertyInsuranceCorporation

LibertyInsuranceUnderwriters,Inc

LibertyMutualFireInsuranceCompany

LibertyMutualInsuranceCompany

LibertyPersonalInsuranceCompany

LibertySurplusInsuranceCorporation

LionInsuranceCompany

LMInsuranceCorporation

LMPropertyandCasualtyInsuranceCo

LoneStarAlliance,Inc,RRG

LouisianaCitizensPropertyInsCorp

LouisianaFarmBureauCasualtyInsCo

LouisianaFarmBureauMutualInsCo

LouisianaPestControlInsuranceCompany

LouisianaWorkers CompensationCorp

LUBACasualtyInsuranceCompany

LUBAIndemnityInsuranceCompany

LyndonSouthernInsuranceCompany

MAGMutualInsuranceCompany

ManufacturersAllianceInsuranceCompany

MarkelAmericanInsuranceCompany

MarkelInsuranceCompany

MassachusettsBayInsuranceCompany

MaxumIndemnityCompany

MedicalProtectiveCompany

MEMICIndemnityCompany

MercerInsuranceCompany

MerchantsBondingCompany(Mutual)

MerchantsNationalBonding,Inc

MerchantsNationalInsuranceCompany

MesaUnderwritersSpecialtyInsuranceCo

MetropolitanGeneralInsuranceCompany

MICPropertyandCasualtyInsuranceCorp

Mid-CenturyInsuranceCompany

Mid-ContinentCasualtyCompany

MiddlesexInsuranceCompany

MidvaleIndemnityCompany

MidwestEmployersCasualtyCompany

MilfordCasualtyInsuranceCompany

MississippiFarmBureauCasualtyInsCo

MitsuiSumitomoInsuranceCoofAmerica

MitsuiSumitomoInsuranceUSAInc

MobilitasInsuranceCompany

MonroeGuarantyInsuranceCompany

MortgageGuarantyInsuranceCorporation

MotorTransportMutualRRG,Inc

MotorsInsuranceCorporation

MSTransverseInsuranceCompany

MSTransverseSpecialtyInsuranceCo

MSAInsuranceCompany

MSIGSpecialtyInsuranceUSAInc

Mt HawleyInsuranceCompany

MTAWInsuranceCompany

NationalAmericanInsuranceCompany

NationalCasualtyCompany

InsurerGroup(ifany)

InsurorsIndemnityCompanies

AllstateInsuranceGroup

IATInsuranceGroup

AllianzUSPCInsuranceCompanies

W R BerkleyInsuranceGroup

LibertyMutualInsuranceCompanies

ISMIEMutualGroup

JamesRiverGroup

AllianzUSPCInsuranceCompanies

JewelersMutualInsuranceGroup

W R BerkleyInsuranceGroup

KinInsuranceGroup

KnightInsuranceGroup

LAMMICOGroup

CoreSpecialtyInsuranceGroup

BerkshireHathawayInsuranceGroup

AmericanInternationalGroup

RevolutionaryInsuranceGroup

SompoHoldingsUSGroup

LibertyMutualInsuranceCompanies

TexasMedicalInsuranceGroup

SouthernFarmBureauCasualtyGroup

LUBAInsuranceCompanies

FortegraP&CGroup

MAGMutualCompanies

OldRepublicInsuranceGroup

MarkelInsuranceGroup

HanoverInsGroupProp&CasCos

HartfordInsuranceGroup

BerkshireHathawayInsuranceGroup

MEMICGroup

UnitedFire&CasualtyGroup

MerchantsBondingCo(Mutual)Group

MerchantsInsuranceGroup

SelectiveInsuranceGroup

AllyInsuranceGroup

FarmersInsuranceGroup

GreatAmericanP&CInsuranceGroup

SentryInsuranceGroup

AmericanFamilyInsuranceGroup

W R BerkleyInsuranceGroup

AmTrustGroup

SouthernFarmBureauCasualtyGroup

MS&ADUSInsuranceGroup

CSAAInsuranceGroup

FCCIInsuranceGroup

MortgageGuarantyGroup

AllyInsuranceGroup

MS&ADUSInsuranceGroup

AmericanFamilyInsuranceGroup

MS&ADUSInsuranceGroup

RLIGroup

FairfaxFinancial(USA)Group

NationwideProperty&CasualtyGroup

2023Louisiana Premium

$8,000

$21,716,000

$8,776,000

$11,000

$5,527,000

$1,074,000

$624,000

$1,516,000

$30,139,000

$48,000

$16,054,000

$15,937,000

$110,000

$9,998,000

$147,000

$4,133,000

$19,171,000

$49,970,000

$2,090,000

$8,000

$1,861,000

$44,707,000

$5,728,000

$14,000

$46,102,000

$74,308,000

$276,000

$160,000

$8,811,000

$19,277,000

$68,615,000

$26,894,000

$124,215,000

$5,530,000

$183,000

$6,709,000

$1,000

$865,000

$618,060,000

$230,985,000

$190,030,000

$41,000

$238,973,000

$62,975,000

$10,550,000

$50,821,000

$225,000

$9,477,000

$21,362,000

$10,424,000

$3,609,000

$8,798,000

$4,182,000

$194,000

$1,618,000

$1,226,000

$1,844,000

$1,292,000

$7,559,000

$1,374,000

$405,000

$2,000

$2,423,000

$327,000

$5,074,000

$8,614,000

$993,000

$118,000

$12,005,000

$3,682,000

$78,000

$6,339,000

$11,236,000

$128,000

$6,105,000

$215,000

$20,432,000

$1,389,000

$1,516,000

$7,969,000

$3,000

$5,967,000

$9,194,000

2022to2023 Premium Change N/A -34% 15% -238% -69%

Policy-IssuingInsurer

NationalCatholicRRG,Inc

NationalFire&MarineInsuranceCo

NationalFireandIndemnityExchange

NationalFireInsuranceCoofHartford

NationalGeneralAssuranceCompany

NationalGeneralInsuranceCompany

NationalGuardianRRG,Inc

NationalIndemnityCompany

NationalInterstateInsuranceCompany

NationalLiability&FireInsuranceCo

NationalMortgageInsuranceCorporation

NationalSpecialtyInsuranceCompany

NationalSuretyCorporation

NationalTrustInsuranceCompany

NationalUnionFireInsCoPittsburghPA

NationwideAgribusinessInsuranceCo

NationwideMutualInsuranceCompany

NatlIndependentTruckersInsCo,ARRG

NAUCountryInsuranceCompany

NautilusInsuranceCompany

NavigatorsInsuranceCompany

NavigatorsSpecialtyInsuranceCompany

NCMICInsuranceCompany

NewHampshireInsuranceCompany

NewHomeWarrantyInsuranceCo,ARRG

NewYorkMarineandGeneralInsuranceCo

NextInsuranceUSCompany

NGMInsuranceCompany

NLADAMutualInsuranceCompany,aRRG

NoblrReciprocalExchange

NORCALInsuranceCompany

NORCALSpecialtyInsuranceCompany

NorGUARDInsuranceCompany

NormandyInsuranceCompany,Inc

NorthLightSpecialtyInsuranceCompany

NorthPointeInsuranceCompany

NorthRiverInsuranceCompany

NorthfieldInsuranceCompany

NOVACasualtyCompany

NuovoIndemnityRRG,Inc

NutmegInsuranceCompany

OakRiverInsuranceCompany

OBIAmericaInsuranceCompany

OBINationalInsuranceCompany

ObsidianInsuranceCompany

ObsidianSpecialtyInsuranceCompany

OccidentalFireandCasualtyCoofNC

OceanHarborCasualtyInsuranceCompany

OceanMarineIndemnityCompany

OhioCasualtyInsuranceCompany

OhioIndemnityCompany

OhioSecurityInsuranceCompany

OklahomaSuretyCompany

OldAmericanIndemnityCompany

OldGloryInsuranceCompany

OldRepublicGeneralInsuranceCorp

OldRepublicInsuranceCompany

OldRepublicUnionInsuranceCompany

OmniInsuranceCompany

OMSNationalInsuranceCompany,RRG

OOIDARiskRetentionGroup,Inc

OphthalmicMutualInsuranceCo(ARRG)

OverdriveRiskRetentionGroup,LLC

PacificEmployersInsuranceCompany

PacificIndemnityCompany

PacificInsuranceCompany,Limited

PalmettoSuretyCorporation

PalmsSpecialtyInsuranceCompany,Inc

PalomarExcessandSurplusInsuranceCo

PalomarSpecialtyInsuranceCompany

ParkWoodRiskRetentionGroup,Inc

PCHMutualInsuranceCompanyInc,ARRG

PeerlessIndemnityInsuranceCompany

PeerlessInsuranceCompany

PeleusInsuranceCompany

PennMillersInsuranceCompany

Penn-AmericaInsuranceCompany

PennsylvaniaInsuranceCompany

PennsylvaniaLumbermensMutualInsCo

PennsylvaniaManufacturersIndemnityCo

PennsylvaniaManufacturers'AssocInsCo

PermanentGeneralAssuranceCorporation

PetroleumCasualtyCompany

InsurerGroup(ifany)

BerkshireHathawayInsuranceGroup

CNAInsuranceCompanies

AllstateInsuranceGroup

BerkshireHathawayInsuranceGroup

GreatAmericanP&CInsuranceGroup

BerkshireHathawayInsuranceGroup

NationalMortgageInsuranceGroup

MarkelInsuranceGroup

AllianzUSPCInsuranceCompanies

FCCIInsuranceGroup

AmericanInternationalGroup

NationwideProperty&CasualtyGroup

QBENorthAmericaInsuranceGroup

W R BerkleyInsuranceGroup

HartfordInsuranceGroup

NCMICGroup

AmericanInternationalGroup

CoactionSpecialtyInsuranceGroup

AmericanFamilyInsuranceGroup

MLMGroup

USAAGroup

ProAssuranceGroup

BerkshireHathawayInsuranceGroup

AllstateInsuranceGroup

QBENorthAmericaInsuranceGroup

FairfaxFinancial(USA)Group

TravelersGroup

HanoverInsGroupProp&CasCos

HartfordInsuranceGroup

BerkshireHathawayInsuranceGroup

IntactUSInsuranceGroup

ObsidianInsuranceGroup

IATInsuranceGroup

OceanHarborInsuranceCompanies

LibertyMutualInsuranceCompanies

GreatAmericanP&CInsuranceGroup

OldAmericanCapitalGroup

OldRepublicInsuranceGroup

AmericanIndependentCompanies

NationalGroup

ChubbINAGroup

HartfordInsuranceGroup

PalomarHoldingsUSGroup

LibertyMutualInsuranceCompanies

BAMRUSPCGroup

ChubbINAGroup

GlobalIndemnityGroup

AUHoldingCompanyGroup

OldRepublicInsuranceGroup

AmericanFamilyInsuranceGroup

2023Louisiana Premium

$544,000

$113,845,000

$126,000

$10,576,000

$1,736,000

$244,000

$4,465,000

$1,000

$13,849,000

$12,308,000

$5,437,000

$6,721,000

$95,000

$4,394,000

$136,760,000

$4,583,000

$15,427,000

$730,000

$80,799,000

$38,866,000

$13,433,000

$5,897,000

$395,000

$11,813,000

$32,000

$9,286,000

$4,800,000

$41,000

$107,000

$540,000

$483,000

$32,000

$4,664,000

$268,000

$28,227,000

$1,264,000

$5,232,000

$3,995,000

$6,257,000

$902,000

$3,193,000

$84,000

$7,000

$803,000

$768,000

$3,021,000

$34,622,000

$22,540,000

$145,000

$12,244,000

$2,828,000

$41,693,000

$7,000

$69,789,000

$38,000

$4,000

$45,638,000

$18,978,000

$1,000

$649,000

$3,082,000

$805,000

$54,000

$312,000

$2,948,000

$3,090,000

$1,914,000

$130,000

$2,794,000

$109,000

$607,000

$10,000

$16,000

$471,000

$2,783,000

$4,550,000

$11,804,000

$808,000

$11,532,000

$1,325,000

$8,075,000

$9,419,000

$165,000

2022to2023

Policy-IssuingInsurer

PharmacistsMutualInsuranceCompany

PhiladelphiaIndemnityInsuranceCompany

PhoenixInsuranceCompany

PlateauCasualtyInsuranceCompany

PlatteRiverInsuranceCompany

PMIMortgageInsuranceCo

PracticeProtectionInsuranceCo(aRRG)

PraetorianInsuranceCompany

PreferraInsuranceCompanyRRG

PreferredProfessionalInsuranceCompany

PrescientNationalInsuranceCompany

PrimeInsuranceCompany

PrincetonExcess&SurplusLinesInsCo

PrivilegeUnderwritersReciprocalExch

ProAssuranceInsuranceCoofAmerica

ProAssuranceSpecialtyInsuranceCompany

ProCenturyInsuranceCompany

ProducersAgricultureInsuranceCompany

ProfessionalSecurityInsuranceCompany

ProfessionalSolutionsInsCo

ProfessionalTransportationRRG,Inc

ProgressivePaloverdeInsuranceCompany

ProgressivePropertyInsuranceCompany

ProgressiveSecurityInsuranceCompany

PropertyandCasualtyInsCoofHartford

ProSelectInsuranceCompany

ProtectiveInsuranceCompany

ProtectiveProperty&CasualtyInsCo

ProtectiveSpecialtyInsuranceCompany

PURESpecialtyExchange

QBEInsuranceCorporation

QBESpecialtyInsuranceCompany

RVI AmericaInsuranceCompany

RadianGuarantyInc

RecoverInsuranceCompanyRRG,Inc

RedwoodFireandCasualtyInsuranceCo

RegentInsuranceCompany

RepublicMortgageInsuranceCompany

Republic-VanguardInsuranceCompany

RepwestInsuranceCompany

RestorationRiskRetentionGroup,Inc

RetailersCasualtyInsuranceCompany

RichmondNationalInsuranceCompany

RiverportInsuranceCompany

RLIInsuranceCompany

RocheSuretyandCasualtyCompany,Inc

RockRidgeInsuranceCompany

RockinghamSpecialty,Inc

RockwoodCasualtyInsuranceCompany

RootInsuranceCompany

RSUIIndemnityCompany

RuralCommunityInsuranceCompany

RuralTrustInsuranceCompany

RushFireInsuranceCompany

SafeAutoInsuranceCompany

SafecoInsuranceCompanyofAmerica

SafecoInsuranceCompanyofOregon

SafepointInsuranceCompany

SafePortInsuranceCompany

SafetyFirstInsuranceCompany

SafetyNationalCasualtyCorporation

SafetySpecialtyInsuranceCompany

SafewayInsuranceCompanyofLouisiana

SagamoreInsuranceCompany

SamsungF&MInsuranceCo,LtdUSB

ScottsdaleIndemnityCompany

ScottsdaleInsuranceCompany

SecurianCasualtyCompany

SecurityNationalInsuranceCompany

SecurityPlanFireInsuranceCompany

SelectiveInsuranceCooftheSoutheast

SenecaInsuranceCompany,Inc

SenecaSpecialtyInsuranceCompany

SentinelInsuranceCompany,Ltd

SentruityCasualtyCompany

SentryCasualtyCompany

SentryInsuranceCompany

SentrySelectInsuranceCompany

SequoiaInsuranceCompany

ServiceAmericanIndemnityCompany

ServiceLloydsInsuranceCo,aStockCo

SFMMutualInsuranceCompany

ShelterGeneralInsuranceCompany

InsurerGroup(ifany)

PharmacistsMutualInsuranceGroup

TokioMarineUSPCGroup

TravelersGroup

BerkshireHathawayInsuranceGroup

PMIMortgageGroup

PracticeProtectionGroup

QBENorthAmericaInsuranceGroup

CoverysCompanies

PrimeInsuranceGroup

Munich-AmericanHoldingCorpCompanies

TokioMarineUSPCGroup

ProAssuranceGroup

AFGroup

TokioMarineUSPCGroup

MAGMutualCompanies

NCMICGroup

ProgressiveInsuranceGroup

HartfordInsuranceGroup

CoverysCompanies

ProgressiveInsuranceGroup

TokioMarineUSPCGroup

QBENorthAmericaInsuranceGroup

RadianGroup

BerkshireHathawayInsuranceGroup

QBENorthAmericaInsuranceGroup

OldRepublicInsuranceGroup

AmTrustGroup

AMERCOPropertyandCasualtyInsGroup

W R BerkleyInsuranceGroup

RLIGroup

ClearBlueInsuranceGroup

RockinghamGroup

BAMRUSPCGroup

RootInsuranceGroup

BerkshireHathawayInsuranceGroup

ZurichInsuranceUSPCGroup

AllstateInsuranceGroup

LibertyMutualInsuranceCompanies

SafepointInsuranceGroup

IATInsuranceGroup

TokioMarineUSPCGroup

SafewayInsuranceGroup

ProgressiveInsuranceGroup

NationwideProperty&CasualtyGroup

AmTrustGroup

SelectiveInsuranceGroup

FairfaxFinancial(USA)Group

HartfordInsuranceGroup

SentryInsuranceGroup

AmTrustGroup

ServiceInsuranceGroup

SFMCompanies

ShelterInsuranceCompanies

2023Louisiana Premium

$2,856,000

$6,377,000

$33,272,000

$2,921,000

$261,000

$289,000

$1,000

$4,175,000

$178,000

$611,000

$89,000

$11,487,000

$19,756,000

$48,159,000

$1,010,000

$1,165,000

$1,025,000

$213,000

$103,000

$764,000

$1,516,000

$538,701,000

$130,519,000

$729,650,000

$8,774,000

$925,000

$8,579,000

$66,000

$1,145,000

$2,437,000

$19,217,000

$13,274,000

$5,000

$13,770,000

$431,000

$2,215,000

$2,555,000

$105,000

$6,740,000

$1,288,000

$473,000

$12,783,000

$2,410,000

$152,000

$23,256,000

$54,000

$461,000

$1,505,000

$284,000

$20,812,000

$16,535,000

$4,111,000

$2,742,000

$313,000

$365,000

$90,204,000

$133,224,000

$121,009,000

$39,148,000

$456,000

$15,958,000

$925,000

$69,469,000

$140,000

$3,376,000

$540,000

$93,223,000

$8,234,000

$3,280,000

$2,183,000

$15,320,000

$280,000

$1,377,000

$4,167,000

$6,223,000

$846,000

$2,946,000

$11,255,000

$1,344,000

$1,602,000

$593,000

$56,000

$5,077,000

2022to2023

Policy-IssuingInsurer

ShelterMutualInsuranceCompany

ShieldIndemnityIncorporated

SierraSpecialtyInsuranceCompany

SilverOakCasualty,Inc

SiriusPointAmericaInsuranceCompany

SiriusPointSpecialtyInsuranceCorp

SkyraiderRiskRetentionGroup,Inc

SompoAmericaFire&MarineInsCo

SompoAmericaInsuranceCompany

SouthernFarmBureauCasualtyInsCo

SouthernInsuranceCompany

SouthlakeSpecialtyInsuranceCompany

SouthwindRiskRetentionGroup,Inc

SpartanInsuranceCompany

SpecialtyBuildersInsuranceCompany

SpinnakerInsuranceCompany

SpinnakerSpecialtyInsuranceCompany

SpiritMountainInsCoRRG,Inc

St PaulFireandMarineInsuranceCo

St PaulGuardianInsuranceCompany

St PaulMercuryInsuranceCompany

St PaulSurplusLinesInsuranceCompany

StandardFireInsuranceCompany

StarInsuranceCompany

StarNetInsuranceCompany

StarrIndemnity&LiabilityCompany

StarrSpecialtyInsuranceCompany

StarrSurplusLinesInsuranceCompany

StarStoneNationalInsuranceCompany

StarStoneSpecialtyInsuranceCompany

StateFarmFireandCasualtyCompany

StateFarmGeneralInsuranceCompany

StateFarmMutualAutomobileInsCo

StateNationalInsuranceCompany,Inc

SteadfastInsuranceCompany

STICOMutualInsuranceCompany,RRG

StillwaterInsuranceCompany

StonegateInsuranceCompany

StonetrustCommercialInsuranceCompany

StonetrustPremierCasualtyInsuranceCo

StonewoodInsuranceCompany

StoningtonInsuranceCompany

StratfordInsuranceCompany

SummitSpecialtyInsuranceCompany

SunSuretyInsuranceCompany

SUNZInsuranceCompany

SuperiorSpecialtyInsuranceCompany

SureChoiceUnderwritersReciprocalExch

SureTecInsuranceCompany

SuttonNationalInsuranceCompany

SuttonSpecialtyInsuranceCompany

SwissReCorporateSolutionsAmericaIns

SwissReCorporateSolutionsCapacity

SwissReCorporateSolutionsEliteIns

SwissReCorporateSolutionsPremierIns

THE InsuranceCompany

TDCNationalAssuranceCompany

TDCSpecialtyInsuranceCompany

TeachersInsuranceCompany

TechnologyInsuranceCompany,Inc

TerraInsuranceCompany(ARRG)

TerrafirmaRRGLLC

TexasInsuranceCompany

TheGrayCasualty&SuretyCompany

TheGrayInsuranceCompany

TheHanoverAmericanInsuranceCompany

TheHanoverInsuranceCompany

ThirdCoastInsuranceCompany

TimberCreekCasualtyInsCo,Inc,ARRG

TitanInsuranceCompany,Inc,ARRG

TNUSInsuranceCompany

TokioMarineAmericaInsuranceCompany

TokioMarineSpecialtyInsuranceCompany

TopaInsuranceCompany

TowerHillPrimeInsuranceCompany

ToyotaMotorInsuranceCompany

TransamericaCasualtyInsuranceCompany

TRANSGUARDINSURANCECOMPANYOFAMERICA

TransportationInsuranceCompany

TravCoInsuranceCompany

TravelersCasualtyandSuretyCoofAmer

TravelersCasualtyandSuretyCompany

TravelersCasualtyInsCoofAmerica

InsurerGroup(ifany)

ShelterInsuranceCompanies

UniversalShieldInsuranceGroup

AmTrustGroup

AMERISAFEInsuranceGroup

SiriusPointAmericaInsuranceGroup

SompoHoldingsUSGroup

SouthernFarmBureauCasualtyGroup

AmTrustGroup

SouthlakeInsuranceGroup

BuildersInsuranceGroup

SpinnakerInsuranceGroup

TravelersGroup

AFGroup

W R BerkleyInsuranceGroup

StarrInternationalGroup

CoreSpecialtyInsuranceGroup

StateFarmGroup

MarkelInsuranceGroup

ZurichInsuranceUSPCGroup

StillwaterInsuranceGroup

ProducersNationalGroup

StonetrustInsuranceGroup

JamesRiverGroup

QBENorthAmericaInsuranceGroup

AmericanInternationalGroup

ReAlignInsuranceGroup

MarkelInsuranceGroup

ForzaInsuranceGroup

MarkelInsuranceGroup

SuttonNationalGroup

SwissReinsuranceGroup

XLAmericaCompanies

DoctorsCompanyInsuranceGroup

HoraceMannInsuranceGroup

AmTrustGroup

AUHoldingCompanyGroup

TheGrayInsuranceGroup

HanoverInsGroupProp&CasCos

AFGroup

TitanInsuranceGroup

TokioMarineUSPCGroup

TopaInsuranceGroup

TowerHillGroup

IATInsuranceGroup

CNAInsuranceCompanies

TravelersGroup

2023Louisiana Premium

$161,264,000

$6,544,000

$226,000

$7,267,000

$14,505,000

$3,892,000

$20,000

$158,000

$22,084,000

$117,889,000

$135,000

$68,000

$2,099,000

$117,000

$161,000

$3,035,000

$17,662,000

$96,000

$682,000

$395,000

$125,000

$103,000

$12,438,000

$3,162,000

$5,337,000

$75,415,000

$881,000

$57,725,000

$14,501,000

$58,685,000

$887,620,000

$15,458,000

$1,662,627,000

$4,711,000

$33,083,000

$13,000

$295,000

$3,327,000

$21,156,000

$236,000

$3,000

$258,000

$9,018,000

$2,531,000

$58,000

$1,740,000

$191,000

$170,012,000

$3,349,000

$180,000

$11,375,000

$20,254,000

$27,281,000

$11,726,000

$83,000

$1,876,000

$392,000

$3,461,000

$12,478,000

$16,636,000

$374,000

$2,000

$4,981,000

$5,787,000

$71,925,000

$3,204,000

$32,548,000

$2,832,000

$9,687,000

$62,000

$2,000

$14,836,000

$5,874,000

$966,000

$16,402,000

$291,000

$23,000

$8,268,000

$11,431,000

$111,000

$68,921,000

$12,160,000

$6,322,000

2022to2023 Premium

Policy-IssuingInsurer

TravelersExcessandSurplusLinesCo

TravelersHomeandMarineInsCo

TravelersIndemnityCoofAmerica

TravelersIndemnityCoofConnecticut

TravelersIndemnityCompany

TravelersPropertyCasualtyCoofAmer

Tri-StateInsuranceCompanyofMinnesota

TrisuraInsuranceCompany

TrisuraSpecialtyInsuranceCompany

TritonInsuranceCompany

TriumpheCasualtyCompany

TruckInsuranceExchange

TrumbullInsuranceCompany

TwinCityFireInsuranceCompany

US SpecialtyInsuranceCompany

UnionInsuranceCompany

UnionInsuranceCompanyofProvidence

UnionNationalFireInsuranceCompany

UnitedCasualtyandSuretyInsuranceCo

UnitedEducatorsIns,aReciprocalRRG

UnitedFinancialCasualtyCompany

UnitedFire&CasualtyCompany

UnitedFire&IndemnityCompany

UnitedGuarantyResidentialInsuranceCo

UnitedNationalInsuranceCompany

UnitedServicesAutomobileAssociation

UnitedSpecialtyInsuranceCompany

UnitedStatesFireInsuranceCompany

UnitedWisconsinInsuranceCompany

UnitrinAutoandHomeInsuranceCompany

UnitrinSafeguardInsuranceCompany

UniversalFire&CasualtyInsuranceCo

UniversalSuretyofAmerica

UniversalUnderwritersInsuranceCompany

UplandSpecialtyInsuranceCompany

USAACasualtyInsuranceCompany

USAAGeneralIndemnityCompany

UticaMutualInsuranceCompany

UVInsuranceRiskRetentionGroup,Inc

ValleyForgeInsuranceCompany

VanlinerInsuranceCompany

VantageRiskAssuranceCompany

VantageRiskSpecialtyInsuranceCompany

VantaproSpecialtyInsuranceCompany

VaultE&SInsuranceCompany

VaultReciprocalExchange

VelocitySpecialtyInsuranceCompany

VerlanFireInsuranceCompany

VersantCasualtyInsuranceCompany

VictorInsuranceExchange

VigilantInsuranceCompany

VirginiaSuretyCompany,Inc

VoyagerIndemnityInsuranceCompany

WatfordInsuranceCompany

WatfordSpecialtyInsuranceCompany

WaypointMutual

WCFNationalInsuranceCompany

WellfleetInsuranceCompany

WellfleetNewYorkInsuranceCompany

WescoInsuranceCompany

WestAmericanInsuranceCompany

WestBendInsuranceCompany

WestchesterFireInsuranceCompany

WestchesterSurplusLinesInsuranceCo

WesternPacificMutualInsCo,ARRG

WesternSuretyCompany

WesternWorldInsuranceCompany

WestfieldInsuranceCompany

WestfieldSpecialtyInsuranceCompany

WilshireInsuranceCompany

WoodlandsRiskRetentionGroup,Inc

WorkFirstCasualtyCompany

WrightNationalFloodInsuranceCompany

XLInsuranceAmerica,Inc

XLSpecialtyInsuranceCompany

ZenithInsuranceCompany

ZurichAmericanInsuranceCoofIllinois

ZurichAmericanInsuranceCompany

InsurerGroup(ifany)

TravelersGroup

W R BerkleyInsuranceGroup

TrisuraUSInsuranceGroup

GreatAmericanP&CInsuranceGroup

FarmersInsuranceGroup

HartfordInsuranceGroup

TokioMarineUSPCGroup

W R BerkleyInsuranceGroup

EMCInsuranceCompanies

KemperPCCompanies

ProgressiveInsuranceGroup

UnitedFire&CasualtyGroup

ArchInsuranceGroup

GlobalIndemnityGroup

USAAGroup

MarkelInsuranceGroup

FairfaxFinancial(USA)Group

AFGroup

KemperPCCompanies

UniversalShieldInsuranceGroup

CNAInsuranceCompanies

ZurichInsuranceUSPCGroup

USAAGroup

UticaNationalInsuranceGroup

CNAInsuranceCompanies

GreatAmericanP&CInsuranceGroup

VantageUSGroup

FairfaxFinancial(USA)Group

VaultInsuranceGroup

HanoverInsGroupProp&CasCos

ChubbINAGroup

AssurantP&CGroup

WatfordUSInsuranceGroup

WaypointMutualGroup

WCFInsuranceGroup

BerkshireHathawayInsuranceGroup

AmTrustGroup

LibertyMutualInsuranceCompanies

ChubbINAGroup

CNAInsuranceCompanies

AmericanInternationalGroup

WestfieldGroup

IATInsuranceGroup

XLAmericaCompanies

FairfaxFinancial(USA)Group

ZurichInsuranceUSPCGroup

2023Louisiana Premium

$12,940,000

$32,000

$19,179,000

$33,393,000

$33,847,000

$116,349,000

$4,936,000

$5,740,000

$20,144,000

$2,836,000

$1,797,000

$5,000

$12,087,000

$12,730,000

$38,493,000

$1,676,000

$343,000

$7,581,000

$49,000

$6,194,000

$25,732,000

$25,434,000

$16,716,000

$1,459,000

$1,378,000

$180,246,000

$28,019,000

$28,056,000

$4,793,000

$2,116,000

$2,452,000

$488,000

$3,000

$510,000

$7,542,000

$153,954,000

$175,996,000

$124,000

$768,000

$14,781,000

$1,564,000

$174,000

$3,138,000

$5,543,000

$2,404,000

$4,165,000

$9,508,000

$1,037,000

$39,000

$3,002,000

$5,692,000

$509,000

$3,790,000

$865,000

$2,000

$86,000

$223,000

$1,931,000

$1,051,000

$30,655,000

$5,457,000

$413,000

$12,033,000

$86,399,000

$21,000

$10,335,000

$26,194,000

$714,000

$11,854,000

$7,095,000

$122,000

$40,000

$98,111,000

$25,189,000

$41,396,000

$1,103,000

$7,795,000

$201,532,000

2022to2023

This 2024 Louisiana Annual P&C Marketplace Summary has provided the reader with both visual and numeric presentations of 2023 Louisiana P&C marketplace data This data is provided to you as a benefit of your membership with the Independent Insurance Agents & Brokers of Louisiana

Two additional, informative products are available from Real Insurance Solutions Consulting, which also may be available to you as members:

Quarterly state marketplace summaries are made available during the calendar year, as the data is reported by P&C insurers becomes available

Individual P&C Insurer Snapshots are available, based on the same data provided in the annual and quarterly summaries, with in-depth data and information provided both on a national and Louisianaspecific basis

All questions and comments, or need for further analysis are welcomed at the contact information below

2024 Louisiana Annual P&C Marketplace Report

Introduction & Purpose

Louisiana P&C Marketplace Executive Summary

Premiums Overall

Lines of Business

Loss Ratios

Premium Change Rates

Independent Agent Penetration of Marketplace

Commissions

Surplus Lines

Largest Insurers

Louisiana Premiums

All 32 P&C Lines of Business

Louisiana Premiums: By Line of Business

Louisiana Top 10 Independent Agent Lines of Business

Louisiana All Lines of Business Total Premium Comparisons

Total and Per Capita Premiums

Louisiana Top 10 Lines of Business

Top 10 Independent Agent Lines of Business Premium Comparison

Top 10 Lines of Business Premium Rankings

Lines of Business

Louisiana Loss Ratios

Loss Ratio Comparisons

Line of Business Loss Ratios

Louisiana Premium Change

Louisiana 1-Year and 5-Year Premium Changes

Average Premium Change Comparisons

Line

Louisiana Independent Agent Penetration Rates

Independent Agent Penetration Comparisons by Line of Business

Line of Business Penetration Rates

Louisiana: 5-Year Penetration Rate Trends

Louisiana Commission Rates

Louisiana Commission Rates: Independent Agent Lines of Business

Average Commission Comparisons

Line of Business Commission Rates

Louisiana Surplus Lines

Average Surplus Lines Comparison

Line of Business Surplus Lines Utilization

Louisiana Line of Business Details

Total All P&C Lines of Business

Aircraft (all perils)

All Commercial Auto

All Private Passenger Auto

Allied Perils Only

Boiler & Machinery

Burglary & Theft

Commercial Multi-Peril

Earthquake

Excess Workers’ Comp

Farmowners Multi-Peril

Federal Flood

Fidelity

Fire Peril Only

Homeowners

Inland Marine

International

Medical Malpractice

Multi-Peril Crop

Ocean Marine

Other Liability (Claims-made)

Other Liability (Occurrence)

Private Crop

Private Flood

Products Liability

Surety

Workers’ Compensation

Appendix #1: Distribution Style Classifications

Distribution Style Classifications:

Proprietary Classification of Premiums by Line of Business

Top 10 Largest Insurers by Distribution Style

Insurers by Distribution Style

10 Insurers Classified as MGA/Wholesale

Top 10 Largest Insurers by Distribution Style

Appendix #2: NAIC Line of Business

Appendix #3: Line of Business Facts - A Visual Reference

Appendix #4: Louisiana All Active Insurers List

Analysis Provided