Kentucky Commercial Property Insurance Profitability (2023)

In 2023, Commercial Property insurers earned $228.7M in premiums in Kentucky and ran a 99.5% loss ratio — the 3rd-highest of 51 states (one of the highest loss ratio for the line).

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

Kentucky loss ratio

99.5%

53.5% above national

Premiums earned

$228.7M

Underwriting profit

-27.9%

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

Getting Commercial Property coverage in Kentucky

See recent Kentucky rate filings on the Kentucky 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.