California General Liability Insurance Profitability (2023)

In 2023, General Liability insurers earned $15.7B in premiums in California and ran a 67.0% loss ratio — the 13th-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.

California loss ratio

67.0%

6.8% above national

Premiums earned

$15.7B

Underwriting profit

-10.5%

Nationally, General Liability ran a 60.2% loss ratio in 2023, so California is above the national average. See how every state compares on the General Liability market page.

Getting General Liability coverage in California

See recent California rate filings on the California rate page, learn how General Liability works in our General Liability 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.