Texas Commercial Property Insurance Profitability (2023)

In 2023, Commercial Property insurers earned $3.4B in premiums in Texas and ran a 49.7% loss ratio — the 18th-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.

Texas loss ratio

49.7%

3.7% above national

Premiums earned

$3.4B

Underwriting profit

21.4%

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

Getting Commercial Property coverage in Texas

See recent Texas rate filings on the Texas 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.