Kentucky General Liability Insurance Profitability (2023)

In 2023, General Liability insurers earned $764.6M in premiums in Kentucky and ran a 55.0% loss ratio — the 32nd-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.

Kentucky loss ratio

55.0%

5.2% below national

Premiums earned

$764.6M

Underwriting profit

7.0%

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

Getting General Liability coverage in Kentucky

See recent Kentucky rate filings on the Kentucky 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.