: Commercial insurers have seen steady growth, with the median combined ratio for personal lines reaching a highly profitable 89.2% entering 2025. However, casualty-exposed insurers are seeing weakening underwriting profits due to rising litigation and settlement costs.

: The Excess & Surplus market now accounts for 9% of the entire property and casualty sector, up from less than 5% five years ago, as specialized risks move toward non-admitted carriers. Essential Commercial Coverage Types

Businesses typically secure a combination of the following to manage operational risk:

: Protects against lawsuits involving bodily injury, property damage, or advertising injury (libel/slander).

: A legal requirement in most states to cover medical bills and lost wages for work-related injuries.

: The NAIC market average is 1.0 . A score below 1.0 indicates the company receives fewer complaints than the average carrier of its size.