User guide and technical notes:
The Property and Casualty Financial Insights Dashboard provides a comprehensive view of financial performance across business lines. Users can analyze key metrics, including premium written, premium earned, losses, expenses, market share and financial ratios. Interactive filters by line of business (LOB), year and state allow for trend analysis, market comparisons and pattern identification.
Scope and limitations
Data covers U.S. states only.
All values and calculations are based on calendar year financial data.
Data aggregation and variability
Aggregated data may exhibit a ±1–3% variation due to rounding or reporting differences. Users should consider these potential discrepancies when analyzing trends.
Key metrics and calculations
Operating Expenses = Direct Defense & Cost Containment Expense Incurred + Commission & Brokerage Expenses + Taxes, Licenses & Fees
Combined Expenses = Direct Losses Incurred + Operating Expenses
Defense-to-Loss Ratio = (Direct Defense & Cost Containment Expense Paid ÷ Direct Losses Paid) * 100
Claims Settlement Efficiency = (Direct Losses Paid ÷ Direct Losses Incurred) * 100
Commission & Brokerage Expense Ratio = (Commission & Brokerage Expenses ÷ Direct Premiums Written) * 100
Data adjustments and negative values
Negative values may result from data revisions, policy cancellations, claims recoveries or reinsurance transactions. Use caution when interpreting insights.
LOB reporting changes
Inland Marine reclassified into:
Inland Marine (since 2024)
Pet insurance Plans (since 2024)
Medical Malpractice replaced by:
Medical Professional Liability – Occurrence (since 2022)
Medical Professional Liability – Claims-Made (since 2022)
Product Liability reclassified into:
Product Liability – Occurrence (since 2022)
Product Liability – Claims-Made (since 2022)
Users should review these LOB adjustments when comparing historical data, as direct year-over-year comparisons may be affected by these reclassifications.