Commercial Insurance Market Data by Line
How profitable is each commercial insurance line — and where? These hubs draw on the NAIC 2023 Report on Profitability by Line by State to show loss ratios, premiums earned, and underwriting profit for every major commercial line across all 50 states + DC. It's real regulator data, not estimates — the same numbers that shape what carriers charge and how hard they compete for your business.
Loss ratio = incurred losses ÷ premiums earned. Lower is more profitable for carriers. Pick a line for its full by-state hub, or see every line at once in the profitability explorer.
General Liability
General Liability is the single largest commercial line by premium. Its loss ratio and underwriting profitability shape what carriers charge and how aggressively they compete for your business.
General Liability loss ratios by state →Commercial Auto
Commercial Auto has run underwriting losses for years — its loss ratio is among the highest of any commercial line, which is why rates keep climbing for trucking and delivery businesses.
Commercial Auto loss ratios by state →Workers' Compensation
Workers' Comp is consistently one of the most profitable commercial lines, with low loss ratios — a big reason class-code-driven WC pricing has stayed comparatively soft.
Workers' Compensation loss ratios by state →Commercial Property
Commercial Property profitability swings with catastrophe activity by state — loss ratios reveal where property carriers are winning and where wildfire, wind, and flood exposure is squeezing margins.
Commercial Property loss ratios by state →Commercial Multiple Peril
Commercial Multiple Peril bundles property and liability (the carrier basis behind most Business Owner's Policies). Its state loss ratios show where bundled small-business coverage is priced tightly.
Commercial Multiple Peril loss ratios by state →Inland Marine
Inland Marine (tools, equipment, and property in transit) is one of the most consistently profitable commercial lines, with low loss ratios that keep it a competitive add-on.
Inland Marine loss ratios by state →Medical Professional Liability
Medical Professional Liability (med-mal) is a volatile, state-driven line — loss ratios vary sharply by state tort environment, which is why premiums differ so widely for healthcare practices.
Medical Professional Liability loss ratios by state →Product Liability
Product Liability protects manufacturers and distributors against claims from the products they make or sell. Its loss ratios reveal how carriers price this specialized exposure by state.
Product Liability loss ratios by state →Related data & tools
- Profitability explorer — all lines × all states in one loss-ratio matrix.
- Data studies — deep-dive research on loss ratios and rate trends.
- Rate filings by state — the actual filed workers'-comp loss costs behind these lines.
- Rate Changes Tracker — where commercial rates are moving now.