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GBC Data Studies

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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. For timely rate-filing moves and short data reads, see RateWatch.

Sources: NAIC 2023 Report on Profitability by Line by State · NCCI & independent-bureau advisory loss-cost filings · state Departments of Insurance.

Rate Filings
California Commercial Insurance Rate Changes (2026)
3,000+ California public filing notices carry an actual rate-change percentage. Most filings change nothing — but when rates move, they overwhelmingly move up. The skew, by line, from the public record.
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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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Commercial Property
Commercial Property Loss Ratios by State (2026)
Commercial property is profitable nationally (~46% loss ratio, positive underwriting profit) — but a single catastrophe blows out a state: Hawaii ran roughly a 400% loss ratio in 2023. The damage, by state.
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Inland Marine
Inland Marine Loss Ratios by State (2026)
The coverage for tools, equipment, and goods in transit is one of the most profitable commercial lines — a ~45% loss ratio and ~18% underwriting profit in 2023. The numbers, by state.
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Medical Professional Liability
Medical Professional Liability Loss Ratios by State (2026)
Medical-malpractice insurers lost money on underwriting in 2023 (~58% loss ratio). A long-tailed, volatile line — New Mexico ran ~194%. The damage, by state.
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Product Liability
Product Liability Loss Ratios by State (2026)
Product liability roughly broke even for insurers in 2023 (~49% loss ratio) — but swings hard on large verdicts: Pennsylvania ran ~147%. The numbers, by state.
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Commercial Lines
Most & Least Profitable Commercial Insurance Lines (2026)
Four of the eight major commercial insurance lines lost money on underwriting in 2023. Commercial auto was worst (-13.5%), inland marine best (+17.6%). Every line ranked — the hub to all our line studies.
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California rate-change studies

Per-line median, mean, and the increase/decrease split, taken from the California Department of Insurance's public rate-filing notices.

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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.

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