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Commercial Multiple Peril Insurance, 2014-2023

($000)

	Total
Year	Net premiums written (1)	Annual percent change	Year	Net premiums written (1)	Annual percent change
2014	$34,375,127	3.4%	2019	$38,937,896	3.7%
2015	34,741,695	1.1	2020	40,995,696	5.3
2016	34,099,664	-1.8	2021	43,821,302	6.9
2017	34,190,669	0.3	2022	48,711,809	11.2
2018	37,558,700	9.9	2023	54,842,611	12.6
Nonliability Portion
Year	Net Premiums Written (1)	Annual Percent Change	Combined Ratio (2)	Annual Point Change (3)	Year	Net Premiums Written (1)	Annual Percent Change	Combined Ratio (2)	Annual Point Change (3)
2014	$21,983,697	4.4%	96.8	3.5 pts.	2019	$23,341,478	3.4%	102.8	-4.9 pts.
2015	21,478,010	-2.3	91.6	-5.2	2020	25,606,682	9.7	111.3	8.5
2016	20,840,849	-3.0	98.2	6.6	2021	27,382,237	6.9	109.7	-1.6
2017	20,673,258	-0.8	111.8	13.6	2022	30,552,927	11.6	102.8	-6.9
2018	22,570,966	9.2	107.7	-4.0	2023	35,483,846	16.1	105.2	2.4
	Liability Portion
Year	Net premiums written (1)	Annual percent change	Combined ratio (2)	Annual point change (3)	Year	Net premiums written (1)	Annual percent change	Combined ratio (2)	Annual point change (3)
2014	$12,391,430	1.7%	103.6	-0.2 pts.	2019	$15,596,418	4.1%	108.2	4.9 pts.
2015	13,263,685	7.0	99.2	-4.4	2020	15,389,014	-1.3	106.2	-2.0
2016	13,258,815	0.0	105.5	6.4	2021	16,439,065	6.8	100.9	-5.3
2017	13,517,411	2.0	101.4	-4.1	2022	18,158,882	10.5	109.3	8.4
2018	14,987,734	10.9	103.3	1.9	2023	19,358,765	6.6	109.9	0.5

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.

Source: NAIC data, sourced from S&P Global Market Intelligence; Insurance Information Institute.

COMMERCIAL MULTIPLE PERIL INSURANCE, 1999-2008

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	Total ($000)
Year	Net premiums written (1)	Annual percent change
1999	$18,983,821	-2.4%
2000	20,072,151	5.7
2001	22,230,355	10.8
2002	25,421,072	14.4
2003	27,430,022	7.9
2004	29,074,586	6.0
2005	29,695,831	2.1
2006	31,850,088	7.3
2007	31,336,813	-1.6
2008	30,119,061	-3.9

Nonliability Portion ($000)
Year	Net premiums written (1)	Annual percent change	Combined ratio (2)	Annual point change (3)
1999	$10,293,766	-1.4%	121.7	NA
2000	11,706,119	13.7	114.8	-6.9 pts.
2001	13,010,431	11.1	117.2	2.4
2002	15,251,130	17.2	96.1	-21.1
2003	16,352,256	7.2	88.1	-8.0
2004	16,971,835	3.8	96.7	8.6
2005	17,706,117	4.3	93.8	-2.9
2006	18,246,349	3.1	83.8	-10.0
2007	18,366,674	0.7	89.5	5.7
2008	18,049,658	-1.7	105.4	15.8

Liability Portion ($000)
Year	Net premiums written (1)	Annual percent change	Combined ratio (2)	Annual point change (3)
1999	$8,690,055	-3.6%	113.4	NA
2000	8,366,032	-3.7	115.4	2.0 pts.
2001	9,219,924	10.2	121.3	5.9
2002	10,169,942	10.3	113.9	-7.4
2003	11,077,766	8.9	115.0	1.1
2004	12,102,751	9.3	105.4	-9.5
2005	11,989,714	-0.9	102.7	-2.7
2006	13,603,739	13.5	101.9	-0.8
2007	12,970,139	-4.7	93.2	-8.7
2008	12,069,403	-6.9	97.4	4.2

(1) After reinsurance transactions, excluding state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.

NA=Data not available.

Source: National Association of Insurance Commissioners (NAIC) Annual Statement Database, via Highline Data, LLC. Copyrighted information. No portion of this work may be copied or redistributed without the express written permission of Highline Data, LLC.

COMMERCIAL MULTIPLE PERIL INSURANCE, 2000-2009

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Total ($000)
Year	Net premiums written (1)	Annual percent change	Year	Net premiums written (1)	Annual percent change
2000	$19,775,709	4.5%	2005	$29,632,702	2.0%
2001	22,228,737	12.4	2006	31,778,223	7.2
2002	25,420,947	14.4	2007	31,176,150	-1.9
2003	27,341,259	7.6	2008	30,223,949	-3.1
2004	29,049,443	6.2	2009	28,867,150	-4.5

Nonliability Portion ($000)
Year	Net premiums written (1)	Annual percent change	Combined ratio (2)	Annual point change (3)	Year	Net premiums written (1)	Annual percent change	Combined ratio (2)	Annual point change (3)
2000	$11,498,544	11.7%	115.0	-7.2 pts.	2005	$17,651,824	4.1%	93.9	-3.9 pts.
2001	12,961,921	12.7	116.6	1.6	2006	18,353,917	4.0	83.9	-10.0
2002	15,171,942	17.1	99.5	-17.1	2007	18,210,567	-0.8	89.9	6.0
2003	16,279,252	7.3	89.0	-10.4	2008	18,152,673	-0.3	108.2	18.3
2004	16,949,099	4.1	97.8	8.7	2009	17,841,541	-1.7	99.0	-9.2

Liability Portion ($000)
Year	Net premiums written (1)	Annual percent change	Combined ratio (2)	Annual point change (3)	Year	Net premiums written (1)	Annual percent change	Combined ratio (2)	Annual point change (3)
2000	$8,277,165	-4.1%	114.9	1.7 pts.	2005	$11,980,878	-1.0%	102.0	-3.0 pts.
2001	9,266,816	12.0	120.9	6.0	2006	13,424,306	12.0	105.3	3.3
2002	10,249,005	10.6	113.1	-7.8	2007	12,965,583	-3.4	95.4	-9.9
2003	11,062,007	7.9	116.2	3.1	2008	12,071,276	-6.9	97.7	2.3
2004	12,100,344	9.4	105.0	-11.1	2009	11,025,609	-8.7	94.2	-3.5

Source: SNL Financial LC.

COMMERCIAL MULTIPLE PERIL INSURANCE, 2001-2010

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Total ($000)
Year	Net premiums written (1)	Annual percent change	Year	Net premiums written (1)	Annual percent change
2001	$22,228,778	12.4%	2006	$31,778,223	7.2%
2002	25,420,947	14.4	2007	31,176,150	-1.9
2003	27,341,259	7.6	2008	30,223,949	-3.1
2004	29,049,443	6.2	2009	28,866,752	-4.5
2005	29,632,702	2.0	2010	28,847,005	-0.1

Nonliability Portion ($000)
Year	Net premiums written (1)	Annual percent change	Combined ratio (2)	Annual point change (3)	Year	Net premiums written (1)	Annual percent change	Combined ratio (2)	Annual point change (3)
2001	$12,962,023	12.7%	116.6	1.6 pts.	2006	$18,353,917	4.0%	83.9	-10.0 pts.
2002	15,171,942	17.0	99.5	-17.1	2007	18,210,567	-0.8	89.9	6.0
2003	16,279,252	7.3	89.0	-10.4	2008	18,152,673	-0.3	108.2	18.3
2004	16,949,099	4.1	97.8	8.7	2009	17,841,135	-1.7	99.0	-9.2
2005	17,651,824	4.1	93.9	-3.9	2010	18,144,460	1.7	103.2	4.2

Liability Portion ($000)
Year	Net premiums written (1)	Annual percent change	Combined ratio (2)	Annual point change (3)	Year	Net premiums written (1)	Annual percent change	Combined ratio (2)	Annual point change (3)
2001	$9,266,755	12.0%	120.9	6.0 pts.	2006	$13,424,306	12.0%	105.3	3.3 pts.
2002	10,249,005	10.6	113.1	-7.8	2007	12,965,583	-3.4	95.4	-9.9
2003	11,062,007	7.9	116.2	3.1	2008	12,071,276	-6.9	97.7	2.3
2004	12,100,344	9.4	105.0	-11.1	2009	11,025,617	-8.7	94.2	-3.5
2005	11,980,878	-1.0	102.0	-3.0	2010	10,702,545	-2.9	96.1	2.0

Source: SNL Financial LC.

COMMERCIAL MULTIPLE PERIL INSURANCE, 2002-2011

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Total ($000)
Year	Net premiums written (1)	Annual percent change	Year	Net premiums written (1)	Annual percent change
2002	$25,420,947	14.4%	2007	$31,176,150	-1.9%
2003	27,341,259	7.6	2008	30,223,949	-3.1
2004	29,049,443	6.2	2009	28,866,752	-4.5
2005	29,632,702	2.0	2010	28,847,254	-0.1
2006	31,778,223	7.2	2011	29,934,232	3.8

Nonliability portion ($000)
Year	Net premiums written (1)	Annual percent change	Combined ratio (2)	Annual point change (3)	Year	Net premiums written (1)	Annual percent change	Combined ratio (2)	Annual point change (3)
2002	$15,171,942	17.0%	99.5	-17.1 pts.	2007	$18,210,567	-0.8%	89.9	6.0 pts.
2003	16,279,252	7.3	89.0	-10.4	2008	18,152,673	-0.3	108.2	18.3
2004	16,949,099	4.1	97.8	8.7	2009	17,841,135	-1.7	99.0	-9.2
2005	17,651,824	4.1	93.9	-3.9	2010	18,144,629	1.7	103.2	4.2
2006	18,353,917	4.0	83.9	-10.0	2011	18,590,744	2.5	120.1	16.8

Liability portion ($000)
Year	Net premiums written (1)	Annual percent change	Combined ratio (2)	Annual point change (3)	Year	Net premiums written (1)	Annual percent change	Combined ratio (2)	Annual point change (3)
2002	$10,249,005	10.6%	113.1	-7.8 pts.	2007	$12,965,583	-3.4%	95.4	-9.9 pts.
2003	11,062,007	7.9	116.2	3.1	2008	12,071,276	-6.9	97.7	2.3
2004	12,100,344	9.4	105.0	-11.1	2009	11,025,617	-8.7	94.2	-3.5
2005	11,980,878	-1.0	102.0	-3.0	2010	10,702,625	-2.9	96.1	2.0
2006	13,424,306	12.0	105.3	3.3	2011	11,343,488	6.0	102.0	5.9

Source: SNL Financial LC.

COMMERCIAL MULTIPLE PERIL INSURANCE, 2003-2012

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Total ($000)
Year	Net premiums written (1)	Annual percent change	Year	Net premiums written (1)	Annual percent change
2003	$27,393,053	7.8%	2008	$30,306,109	-3.1%
2004	29,011,421	5.9	2009	28,926,363	-4.6
2005	29,577,004	1.9	2010	28,913,516	(2)
2006	31,856,902	7.7	2011	29,995,201	3.7
2007	31,261,039	-1.9	2012	31,038,447	3.5

Nonliability portion ($000)
Year	Net premiums written (1)	Annual percent change	Combined ratio (3)	Annual point change (4)	Year	Net premiums written (1)	Annual percent change	Combined ratio (3)	Annual point change (4)
2003	$16,326,741	7.0%	89.4	-8.5 pts.	2008	$18,235,095	-0.5%	107.7	18.1 pts.
2004	16,942,080	3.8	98.3	8.9	2009	17,927,074	-1.7	98.3	-9.4
2005	17,672,953	4.3	95.3	-2.9	2010	18,210,612	1.6	102.9	4.5
2006	18,250,773	3.3	83.9	-11.5	2011	18,657,799	2.5	119.1	16.2
2007	18,334,139	0.5	89.6	5.7	2012	19,248,291	3.2	113.7	-5.3

Liability portion ($000)
Year	Net premiums written (1)	Annual percent change	Combined ratio (3)	Annual point change (4)	Year	Net premiums written (1)	Annual percent change	Combined ratio (3)	Annual point change (4)
2003	$11,066,312	8.6%	115.1	1.0 pts.	2008	$12,071,014	-6.6%	97.5	2.1 pts.
2004	12,069,341	9.1	105.5	-9.5	2009	10,999,289	-8.9	94.2	-3.2
2005	11,904,051	-1.4	102.9	-2.7	2010	10,702,904	-2.7	96.0	1.8
2006	13,606,129	14.3	104.0	1.1	2011	11,337,402	5.9	101.8	5.8
2007	12,926,900	-5.0	95.4	-8.6	2012	11,790,156	4.0	93.5	-8.3

(1) After reinsurance transactions, excludes state funds.
(2) Less than 0.1 percent.
(3) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(4) Calculated from unrounded data.

Source: SNL Financial LC.

COMMERCIAL MULTIPLE PERIL INSURANCE, 2004-2013

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	Total ($000)
Year	Net premiums written (1)	Annual percent change	Year	Net premiums written (1)	Annual percent change
2004	$29,011,421	5.9%	2009	$28,926,363	-4.6%
2005	29,577,004	1.9	2010	28,913,516	(2)
2006	31,856,902	7.7	2011	29,995,201	3.7
2007	31,261,039	-1.9	2012	31,502,689	5.0
2008	30,306,109	-3.1	2013	33,244,677	5.5

	Nonliability Portion ($000)
Year	Net premiums written (1)	Annual percent change	Combined ratio (3)	Annual point change (4)	Year	Net premiums written (1)	Annual percent change	Combined ratio (3)	Annual point change (4)
2004	$16,942,080	3.8%	98.3	8.9 pts.	2009	$17,927,074	-1.7%	98.3	-9.4 pts.
2005	17,672,953	4.3	95.3	-2.9	2010	18,210,612	1.6	102.9	4.5
2006	18,250,773	3.3	83.9	-11.5	2011	18,657,799	2.5	119.1	16.2
2007	18,334,139	0.5	89.6	5.7	2012	19,513,568	4.6	113.9	-5.1
2008	18,235,095	-0.5	107.7	18.1	2013	21,058,405	7.9	93.3	-20.6

	Liability Portion ($000)
Year	Net premiums written (1)	Annual percent change	Combined ratio (3)	Annual point change (4)	Year	Net premiums written (1)	Annual percent change	Combined ratio (3)	Annual point change (4)
2004	$12,069,341	9.1%	105.5	-9.5 pts.	2009	$10,999,289	-8.9%	94.2	-3.2 pts.
2005	11,904,051	-1.4	102.9	-2.7	2010	10,702,904	-2.7	96.0	1.8
2006	13,606,129	14.3	104.0	1.1	2011	11,337,402	5.9	101.8	5.8
2007	12,926,900	-5.0	95.4	-8.6	2012	11,989,121	5.7	94.1	-7.7
2008	12,071,014	-6.6	97.5	2.1	2013	12,186,272	1.6	103.8	9.7

Source: SNL Financial LC.

Commercial Multiple Peril Insurance, 2006-2015

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	Total ($000)
Year	Net premiums written (1)	Annual percent change	Year	Net premiums written (1)	Annual percent change
2006	$31,856,902	7.7%	2011	$29,995,201	3.7%
2007	31,261,039	-1.9	2012	31,502,689	5.0
2008	30,306,109	-3.1	2013	33,245,146	5.5
2009	28,926,363	-4.6	2014	34,375,127	3.4
2010	28,913,516	(2)	2015	34,741,532	1.1
	Nonliability portion ($000)
Year	Net premiums written (1)	Annual percent change	Combined ratio (3)	Annual point change (4)	Year	Net premiums written (1)	Annual percent change	Combined ratio (3)	Annual point change (4)
2006	$18,250,773	3.3%	83.9	-11.5 pts.	2011	$18,657,799	2.5%	119.1	16.2 pts.
2007	18,334,139	0.5	89.6	5.7	2012	19,513,568	4.6	113.9	-5.1
2008	18,235,095	-0.5	107.7	18.1	2013	21,058,709	7.9	93.3	-20.6
2009	17,927,074	-1.7	98.3	-9.4	2014	21,983,697	4.4	96.9	3.6
2010	18,210,612	1.6	102.9	4.5	2015	21,478,035	-2.3	91.6	-5.4
	Liability portion ($000)
Year	Net premiums written (1)	Annual percent change	Combined ratio (3)	Annual point change (4)	Year	Net premiums written (1)	Annual percent change	Combined ratio (3)	Annual point change (4)
2006	$13,606,129	14.3%	104.0	1.1 pts.	2011	$11,337,402	5.9%	101.8	5.8 pts.
2007	12,926,900	-5.0	95.4	-8.6	2012	11,989,121	5.7	94.1	-7.7
2008	12,071,014	-6.6	97.5	2.1	2013	12,186,437	1.6	103.8	9.7
2009	10,999,289	-8.9	94.2	-3.2	2014	12,391,430	1.7	103.6	-0.2
2010	10,702,904	-2.7	96.0	1.8	2015	13,263,497	7.0	99.2	-4.4

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Commercial Multiple Peril Insurance, 2007-2016

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Total ($000)
Year	Net premiums written1		Annual percent change		Year	Net premiums written1		Annual percent change
2007	$31,261,039		-1.9%		2012	$31,502,689		5.0%
2008	30,306,109		-3.1		2013	33,245,146		5.5
2009	28,926,363		-4.6		2014	34,375,127		3.4
2010	28,913,516		2.0		2015	34,741,695		1.1
2011	29,995,201		3.7		2016	34,073,861		-1.9
Nonliability portion ($000)
Year	Net premiums written (1)	Annual percent change	Combined ratio (3)	Annual point change (4)	Year	Net premiums written (1)	Annual percent change	Combined ratio (3)	Annual point change (4)
2007	$18,511,190	0.5%	90.8	6.1 pts.	2012	$19,513,568	4.6%	113.9	-5.1 pts.
2008	18,235,095	-1.5	107.7	16.9	2013	21,058,709	7.9	93.3	-20.6
2009	17,927,074	-1.7	98.3	-9.4	2014	21,983,697	4.4	96.9	3.6
2010	18,210,612	1.6	102.9	4.5	2015	21,478,010	-2.3	91.6	-5.4
2011	18,657,799	2.5	119.1	16.2	2016	20,825,262	-3	98.4	6.9
Liability portion ($000)
Year	Net premiums written (1)	Annual percent change	Combined ratio (3)	Annual point change (4)	Year	Net premiums written (1)	Annual percent change	Combined ratio (3)	Annual point change (4)
2008	12,071,014	-5.3	97.5	3.7	2013	12,186,437	1.6	103.8	9.7
2009	10,999,289	-8.9	94.2	-3.2	2014	12,391,430	1.7	103.6	-0.2
2010	10,702,904	-2.7	96.0	1.8	2015	13,263,685	7.0	99.2	-4.4
2011	11,337,402	5.9	101.8	5.8	2016	13,248,599	-0.1	105.6	6.4

Source: NAIC data, sourced from S&P Global Market Intelligence; Insurance Information Institute.

Commercial Multiple Peril Insurance, 2008-2017

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Total ($000)
Year	Net premiums written (1)	Annual percent change	Year	Net premiums written (1)	Annual percent change
2008	$30,306,109	3.1%	2013	$33,245,146	5.5%
2009	28,926,363	-4.6	2014	34,375,127	3.4
2010	28,913,516	(2)	2015	34,741,695	1.1
2011	29,995,201	3.7	2016	34,099,664	-1.8
2012	31,502,689	5.0	2017	34,190,669	0.3
Nonliability portion ($000)
Year	Net premiums written (1)	Annual percent change	Combined ratio (3)	Annual point change (4)	Year	Net premiums written (1)	Annual percent change	Combined ratio (3)	Annual point change (4)
2008	$18,235,095	-1.5%	107.7	16.9 pts.	2013	$21,058,709	7.9%	93.3	-20.6 pts.
2009	17,927,074	-1.7	98.3	-9.4	2014	21,983,697	4.4	96.8	3.5
2010	18,210,612	1.6	102.9	4.5	2015	21,478,010	-2.3	91.6	-5.2
2011	18,657,799	2.5	119.1	16.2	2016	20,840,849	-3.0	98.2	6.6
2012	19,513,568	4.6	113.9	-5.1	2017	20,673,258	-0.8	111.8	13.6
Liability portion ($000)
Year	Net premiums written (1)	Annual percent change	Combined ratio (3)	Annual point change (4)	Year	Net premiums written (1)	Annual percent change	Combined ratio (3)	Annual point change (4)
2008	$12,071,014	-5.3%	97.5	3.7 pts.	2013	$12,186,437	1.6%	103.8	9.7 pts.
2009	10,999,289	-8.9	94.2	-3.2	2014	12,391,430	1.7	103.6	-0.2
2010	10,702,904	-2.7	96.0	1.8	2015	13,263,685	7.0	99.2	-4.4
2011	11,337,402	5.9	101.8	5.8	2016	13,258,815	(2)	105.5	6.4
2012	11,989,121	5.7	94.1	-7.7	2017	13,517,411	2.0	101.4	-4.1

Source: NAIC data, sourced from S&P Global Market Intelligence; Insurance Information Institute.

Commercial Multiple Peril Insurance, 2009-2018

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Total ($000)
Year	Net premiums written (1)	Annual percent change	Year	Net premiums written (1)	Annual percent change
2009	$28,926,363	-7.5%	2014	$34,375,127	3.4%
2010	28,913,516	(2)	2015	34,741,695	1.1
2011	29,995,201	3.7	2016	34,099,664	-1.8
2012	31,502,689	5.0	2017	34,190,669	0.3
2013	33,245,146	5.5	2018	37,541,437	9.8
	Nonliability portion ($000)
Year	Net premiums written (1)	Annual percent change	Combined ratio (3)	Annual point change (4)	Year	Net premiums written (1)	Annual percent change	Combined ratio (3)	Annual point change (4)
2009	$17,927,074	-1.7%	98.3	-9.4 pts.	2014	$21,983,697	4.4%	96.8	3.5 pts.
2010	18,210,612	1.6	102.9	4.5	2015	21,478,010	-2.3	91.6	-5.2
2011	18,657,799	2.5	119.1	16.2	2016	20,840,849	-3.0	98.2	6.6
2012	19,513,568	4.6	113.9	-5.1	2017	20,673,258	-0.8	111.8	13.6
2013	21,058,709	7.9	93.3	-20.6	2018	22,553,970	9.1	107.7	-4.0
	Liability portion ($000)
Year	Net premiums written (1)	Annual percent change	Combined ratio (3)	Annual point change (4)	Year	Net premiums written (1)	Annual percent change	Combined ratio (3)	Annual point change (4)
2009	$10,999,289	-8.9%	94.2	-3.2 pts.	2014	$12,391,430	1.7%	103.6	-0.2 pts.
2010	10,702,904	-2.7	96.0	1.8	2015	13,263,685	7.0	99.2	-4.4
2011	11,337,402	5.9	101.8	5.8	2016	13,258,815	(2)	105.5	6.4
2012	11,989,121	5.7	94.1	-7.7	2017	13,517,411	2.0	101.4	-4.1
2013	12,186,437	1.6	103.8	9.7	2018	14,987,467	10.9	103.3	1.8

Source: NAIC data, sourced from S&P Global Market Intelligence; Insurance Information Institute.

Commercial Multiple Peril Insurance, 2010-2019

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	Total ($000)
Year	Net premiums written (1)	Annual percent change	Year	Net premiums written (1)	Annual percent change
2010	$28,913,516	(2)	2015	$34,741,695	1.1%
2011	29,995,201	3.7%	2016	34,099,664	-1.8
2012	31,502,689	5.0	2017	34,190,669	0.3
2013	33,245,146	5.5	2018	37,558,700	9.9
2014	34,375,127	3.4	2019	38,929,805	3.7
	Nonliability Portion ($000)
Year	Net premiums written (1)	Annual percent change	Combined ratio (3)	Annual point change (4)	Year	Net premiums written (1)	Annual percent change	Combined ratio (3)	Annual point change (4)
2010	$18,210,612	1.6%	102.9	4.5 pts.	2015	$21,478,010	-2.3%	91.6	-5.2 pts.
2011	18,657,799	2.5	119.1	16.2	2016	20,840,849	-3.0	98.2	6.6
2012	19,513,568	4.6	113.9	-5.1	2017	20,673,258	-0.8	111.8	13.6
2013	21,058,709	7.9	93.3	-20.6	2018	22,570,966	9.2	107.7	-4.0
2014	21,983,697	4.4	96.8	3.5	2019	23,330,758	3.4	102.8	-4.9
	Liability Portion ($000)
Year	Net premiums written (1)	Annual percent change	Combined ratio (3)	Annual point change (4)	Year	Net premiums written (1)	Annual percent change	Combined ratio (3)	Annual point change (4)
2010	$10,702,904	-2.7%	96.0	1.8 pts.	2015	$13,263,685	7.0%	99.2	-4.4 pts.
2011	11,337,402	5.9	101.8	5.8	2016	13,258,815	(2)	105.5	6.4
2012	11,989,121	5.7	94.1	-7.7	2017	13,517,411	2.0	101.4	-4.1
2013	12,186,437	1.6	103.8	9.7	2018	14,987,734	10.9	103.3	1.9
2014	12,391,430	1.7	103.6	-0.2	2019	15,599,047	4.1	108.1	4.8

Source: NAIC data, sourced from S&P Global Market Intelligence; Insurance Information Institute.

Commercial Multiple Peril Insurance, 2011-2020

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Year	Net premiums written (1)	Annual percent change	Year	Net premiums written (1)	Annual percent change
	Total ($000)
2011	$29,995,201	3.7%	2016	$34,099,664	-1.8%
2012	31,502,689	5.0	2017	34,190,669	0.3
2013	33,245,146	5.5	2018	37,558,700	9.9
2014	34,375,127	3.4	2019	38,947,707	3.7
2015	34,741,695	1.1	2020	40,994,871	5.3
	Nonliability Portion ($000)
Year	Net premiums written (1)	Annual percent change	Combined ratio (2)	Annual point change (3)	Year	Net premiums written (1)	Annual percent change	Combined ratio (2)	Annual point change (3)
2011	$18,657,799	2.5%	119.1	16.2 pts.	2016	$20,840,849	-3.0%	98.2	6.6 pts.
2012	19,513,568	4.6	113.9	-5.1	2017	20,673,258	-0.8	111.8	13.6
2013	21,058,709	7.9	93.3	-20.6	2018	22,570,966	9.2	107.7	-4.0
2014	21,983,697	4.4	96.8	3.5	2019	23,346,949	3.4	102.8	-4.9
2015	21,478,010	-2.3	91.6	-5.2	2020	25,605,910	9.7	111.3	8.5
	Liability Portion ($000)
Year	Net premiums written (1)	Annual percent change	Combined ratio (2)	Annual point change (3)	Year	Net premiums written (1)	Annual percent change	Combined ratio (2)	Annual point change (3)
2011	$11,337,402	5.9%	101.8	5.8 pts.	2016	$13,258,815	(4)	105.5	6.4 pts.
2012	11,989,121	5.7	94.1	-7.7	2017	13,517,411	2.0%	101.4	-4.1
2013	12,186,437	1.6	103.8	9.7	2018	14,987,734	10.9	103.3	1.9
2014	12,391,430	1.7	103.6	-0.2	2019	15,600,758	4.1	108.1	4.8
2015	13,263,685	7.0	99.2	-4.4	2020	15,388,961	-1.4	106.2	-1.9

Source: NAIC data, sourced from S&P Global Market Intelligence; Insurance Information Institute.

Commercial Multiple Peril Insurance, 2012-2021

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	Total ($000)
Year	Net premiums written (1)	Annual percent change	Year	Net premiums written (1)	Annual percent change
2012	$31,502,689	5.0%	2017	$34,190,669	0.3%
2013	33,245,146	5.5	2018	37,558,700	9.9
2014	34,375,127	3.4	2019	38,937,896	3.7
2015	34,741,695	1.1	2020	40,995,696	5.3
2016	34,099,664	-1.8	2021	42,256,320	3.1
	Nonliability Portion ($000)
Year	Net premiums written (1)	Annual percent change	Combined ratio (2)	Annual point change (3)	Year	Net premiums written (1)	Annual percent change	Combined ratio (2)	Annual point change (3)
2012	$19,513,568	4.6%	113.9	-5.1 pts.	2017	$20,673,258	-0.8%	111.8	13.6 pts.
2013	21,058,709	7.9	93.3	-20.6	2018	22,570,966	9.2	107.7	-4.0
2014	21,983,697	4.4	96.8	3.5	2019	23,341,478	3.4	102.8	-4.9
2015	21,478,010	-2.3	91.6	-5.2	2020	25,606,682	9.7	111.3	8.5
2016	20,840,849	-3.0	98.2	6.6	2021	26,434,170	3.2	110.5	-0.8
	Liability Portion ($000)
Year	Net premiums written (1)	Annual percent change	Combined ratio (2)	Annual point change (3)	Year	Net premiums written (1)	Annual percent change	Combined ratio (2)	Annual point change (3)
2012	$11,989,121	5.7%	94.1	-7.7 pts.	2017	$13,517,411	2.0%	101.4	-4.1 pts.
2013	12,186,437	1.6	103.8	9.7	2018	14,987,734	10.9	103.3	1.9
2014	12,391,430	1.7	103.6	-0.2	2019	15,596,418	4.1	108.2	4.9
2015	13,263,685	7	99.2	-4.4	2020	15,389,014	-1.3	106.2	-2.0
2016	13,258,815	(4)	105.5	6.4	2021	15,822,150	2.8	101.0	-5.2

Source: NAIC data, sourced from S&P Global Market Intelligence; Insurance Information Institute.

Commercial Multiple Peril Insurance, 2013-2022

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	Total ($000)
Year	Net premiums written (1)	Annual percent change	Year	Net premiums written (1)	Annual percent change
2013	$33,245,146	5.5%	2018	$37,558,700	9.9%
2014	34,375,127	3.4	2019	38,937,896	3.7
2015	34,741,695	1.1	2020	40,995,696	5.3
2016	34,099,664	-1.8	2021	43,803,867	6.9
2017	34,190,669	0.3	2022	48,315,726	10.3
	Nonliability Portion ($000)
Year	Net premiums written (1)	Annual percent change	Combined ratio (2)	Annual point change (3)	Year	Net premiums written (1)	Annual percent change	Combined ratio (2)	Annual point change (3)
2013	$21,058,709	7.9%	93.3	-20.6 pts.	2018	$22,570,966	9.2%	107.7	-4.0 pts.
2014	21,983,697	4.4	96.8	3.5	2019	23,341,478	3.4	102.8	-4.9
2015	21,478,010	-2.3	91.6	-5.2	2020	25,606,682	9.7	111.3	8.5
2016	20,840,849	-3.0	98.2	6.6	2021	27,375,281	6.9	109.7	-1.6
2017	20,673,258	-0.8	111.8	13.6	2022	30,229,743	10.4	102.5	-7.2
	Liability Portion ($000)
Year	Net premiums written (1)	Annual percent change	Combined ratio (2)	Annual point change (3)	Year	Net premiums written (1)	Annual percent change	Combined ratio (2)	Annual point change (3)
2013	$12,186,437	1.6%	103.8	9.7 pts.	2018	$14,987,734	10.9%	103.3	1.9 pts.
2014	12,391,430	1.7	103.6	-0.2	2019	15,596,418	4.1	108.2	4.9
2015	13,263,685	7.0	99.2	-4.4	2020	15,389,014	-1.3	106.2	-2.0
2016	13,258,815	(4)	105.5	6.4	2021	16,428,586	6.8	100.9	-5.3
2017	13,517,411	2.0	101.4	-4.1	2022	18,085,983	10.1	109.4	8.5

Source: NAIC data, sourced from S&P Global Market Intelligence; Insurance Information Institute.

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