GBC Data Studies
Original insurance research from Get Business Coverage — built on real regulator data (NAIC profitability reports and filed rating-bureau loss costs), not estimates. Every figure is traced to its source, downloadable as CSV, and free to cite.
Sources: NAIC 2023 Report on Profitability by Line by State · NCCI & independent-bureau advisory loss-cost filings · state Departments of Insurance.
Workers' Comp
Workers' Comp Loss Costs by State (2026)
A roofer's filed workers'-comp loss cost runs well over 100× a clerical worker's — real filed rates, traced to the NCCI/DOI filing, across the advisory states.
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Commercial Auto
Commercial Auto Loss Ratios by State (2026)
Commercial-auto insurers ran a 74% loss ratio and lost money on underwriting in 2023 — the worst of the major commercial lines. Here's the damage by state.
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General Liability
General Liability Loss Ratios by State (2026)
General liability is the largest commercial line ($94B) — but loss ratios swing from ~30% to over 100% by state, which is why GL rates vary so much by where you operate.
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Business Owners Policy
Commercial Multiple Peril (BOP) Loss Ratios by State (2026)
The package-policy line most small businesses buy as a Business Owners Policy ran a ~63% loss ratio and lost money on underwriting in 2023 — the pressure behind rising BOP rates, by state.
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Journalists & researchers: every study is filing/regulator-traced with a downloadable CSV and a ready-to-use citation. Compiled 2026 from public regulator data.