Alabama Commercial Property Insurance Profitability (2023)

In 2023, Commercial Property insurers earned $390.4M in premiums in Alabama and ran a 44.7% loss ratio — the 23rd-highest of 51 states (a mid-range loss ratio for the line).

Source: NAIC 2023 Report on Profitability by Line by State. Loss ratio = incurred losses ÷ premiums earned.

Alabama loss ratio

44.7%

1.3% below national

Premiums earned

$390.4M

Underwriting profit

26.8%

Nationally, Commercial Property ran a 46.0% loss ratio in 2023, so Alabama is below the national average. See how every state compares on the Commercial Property market page.

Getting Commercial Property coverage in Alabama

See recent Alabama rate filings on the Alabama rate page, learn how Commercial Property works in our Commercial Property guide, then compare real quotes for your business.

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Data: NAIC 2023 Report on Profitability by Line by State (public). See our data methodology. Figures are industry aggregates, not a quote.