General liability is the biggest commercial insurance line — about $94B a year
U.S. commercial general-liability insurers wrote about $94 billion in premiums in 2023 — the largest of the major commercial lines — yet loss ratios swing from roughly 30% to over 100% depending on the state.
General liability is the coverage almost every business carries, and it's the biggest commercial line in the country: about $94 billion in premiums in 2023 (NAIC). But the profitability behind those rates varies enormously — GL loss ratios run from roughly 30% in the best states to over 100% in the worst, which is exactly why a GL policy can cost very different amounts depending on where you operate. See the full state-by-state breakdown in our General Liability Loss Ratios by State study.
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Methodology
Premium and loss-ratio figures are from the NAIC 2023 Report on Profitability by Line by State. General liability corresponds to the report's Other Liability line; loss ratio is incurred losses divided by earned premium.
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Reviewed by Jason Wootton, NPN 7694718 Verify ↗