California Fact Book 20101

A FIRM FOUNDATION:
HOW INSURANCE SUPPORTS
THE CALIFORNIA ECONOMY

Insurance Information Network of California (IINC)
900 Wilshire Blvd., Ste. 1414
Los Angeles, CA 90017
(213) 624-4462
Prepared by:
Insurance Information Institute
110 William Street
New York, NY 10038
(212) 346-5500
www.iii.org
www.economicinsurancefacts.org

October 2010

TABLE OF CONTENTS
I.

INTRODUCTION…………………………………………………………………………….1

II.

LEADING WRITERS IN CALIFORNIA………......…...............…………………..........2

III.

CONTRIBUTION TO THE CALIFORNIA ECONOMY IN
COMPARISON WITH OTHER STATES
EMPLOYMENT/COMPENSATION…..……………………………………………..........6
PREMIUMS
LIFE/HEALTH………........……….............................................................……….10
PROPERTY/CASUALTY………........………........……………………………........12
GROSS STATE PRODUCT………………………….…..……....................................22
STATE TAXES..........................................................................................................24
INSURANCE COMPANIES BY STATE....…………………....……………………......25
CATASTROPHES BY STATE
TORNADOES………………………………………………………………………….26
EARTHQUAKES.….............………………………………………………….….......28
WILDFIRES……..….............………………………………………………….….......30
FAIR PLANS………………………………………………………………..……………...32
CLAIMS/LOSSES BY LINE BY STATE
PROPERTY/CASUALTY.....................................................................................34
LIFE/HEALTH…...................................................................................................44
VEHICLES BY STATE..............................................................................................46
HOMES BY STATE...................................................................................................48
BUSINESSES BY STATE.........................................................................................50

IV.

CALIFORNIA INSURANCE ORGANIZATIONS….…….….………………................52

INTRODUCTION
The insurance industry in California has a significant impact on the state’s economy that extends well
beyond its responsibilities to collect premiums and settle claims. It employs licensed professionals, pays
taxes, owns municipal bonds and serves people in their times of greatest need.
EMPLOYMENT

U.S. Bureau of Labor Statistics data show the insurance industry provided 297,431 jobs in California in
2008, accounting for about $20.7 billion in compensation.
GROSS STATE PRODUCT

The insurance industry contributed over $30.1 billion to the California gross state product (GSP) in
2007, accounting for about 2 percent of the state GSP.
TAXES

Premium taxes paid by insurance companies in California totaled about $2.05 billion in 2009.
MUNICIPAL BONDS

Insurance companies invest the premiums they collect in state and local municipal bonds, helping to
fund the building of roads, schools and other public projects. They provide businesses with capital for
research, expansions and other ventures through their investments in corporate equities and bonds.
According to a 2007 Insurance Research Council study, property/casualty insurers held over $25 billion
in California municipal bonds in 2005, with education projects accounting for the largest share, or 30
percent of the total combined value of all municipal bonds held by P/C insurers in the state.
PREMIUMS

Direct premiums written by property/casualty insurance companies in California totaled $55.4 billion
in 2009. In addition, premiums written by life/health insurance companies totaled $59.3 billion
(including life insurance, annuities, accident and health insurance, deposit type funds, and other
considerations).
CLAIMS PAYMENTS

Insurance company claims payments help ensure the economic security of individuals and businesses
and help sustain a number of related industries. In 2009 these payments in California, as measured by
direct property/casualty incurred losses, were nearly $28.7 billion. Life insurance claims and benefits
payouts in California totaled almost 41.8 billion in 2009.
CATASTROPHES

•

Seven of the 10 most costly U.S. earthquakes occurred in California, topped by the 1994
Northridge earthquake, which caused $22.2 billion in insured damages in 2009 dollars,
according to Munich Re.

•

Eight of the 10 largest wildfires also occurred in California, topped by the 1991 Oakland fire,
which caused $2.5 billion in insured damages in 2009 dollars, according to ISO.

1

LEADING WRITERS IN CALIFORNIA
LEADING WRITERS OF PROPERTY/CASUALTY INSURANCE IN CALIFORNIA
BY DIRECT PREMIUMS WRITTEN, 2009 (1)

Rank

Direct premiums
written ($000)

Company/Group
1 Zurich Financial Services Ltd

Market share
(percent)

$6,712,653

12.1%

2 State Farm Mutual Automobile Insurance

4,793,573

8.7

3 Liberty Mutual Holding Co.

2,693,675

4.9

4 American International Group

2,657,948

4.8

5 Allstate Corp.

2,557,338

4.6

6 Travelers Cos.

2,134,879

3.9

7 Auto Club Exchange Group

2,007,798

3.6

8 Mercury General Corp.

1,974,896

3.6

9 CA State Automobile Association

1,921,680

3.5

1,701,764

3.1

10 Nationwide Mutual Group
(1) Before reinsurance transactions.
Source: SNL Financial.

LEADING WRITERS OF LIFE INSURANCE AND ANNUITY CONSIDERATIONS IN CALIFORNIA
BY DIRECT PREMIUMS WRITTEN, 2009 (1)

Rank

Direct premiums
written ($000)

Company/Group
1 Prudential Financial Inc.

Market share
(percent)

$5,159,540

11.0%

2 MetLife Inc.

3,294,698

7.1

3 Manulife Financial Corp.

3,144,676

6.7

4 New York Life Insurance Group

2,172,753

4.7

5 AEGON NV

2,139,751

4.6

6 ING Groep N.V.

1,882,989

4.0

7 Lincoln National Corp.

1,881,772

4.0

8 Great-West Insurance Group

1,692,102

3.6

9 American International Group

1,665,895

3.6

1,406,189

3.0

10 Jackson National Life Group

(1) Includes life insurance, annuity consideration, deposit-type contract funds, other considerations;
excludes accident and health insurance from life/health insurers. Before reinsurance transactions.
Source: SNL Financial.

2

LEADING WRITERS OF HOMEOWNERS INSURANCE IN CALIFORNIA
BY DIRECT PREMIUMS WRITTEN, 2009 (1)

Rank

Direct premiums
written ($000)

Company/Group
1 State Farm Mutual Automobile Insurance

Market share
(percent)

$1,421,167

21.8%

1,220,003

18.7

3 Allstate Corp.

618,119

9.5

4 CA State Automobile Association

418,122

6.4

5 Liberty Mutual Holding Co.

339,112

5.2

6 Auto Club Exchange Group

317,512

4.9

7 USAA Insurance Group

316,805

4.9

8 Nationwide Mutual Group

249,230

3.8

9 Mercury General Corp.

196,091

3.0

195,200

3.0

2 Zurich Financial Services Ltd

10 Travelers Cos.
(1) Before reinsurance transactions.
Source: SNL Financial.

LEADING WRITERS OF EARTHQUAKE INSURANCE IN CALIFORNIA
BY DIRECT PREMIUMS WRITTEN, 2009 (1)

Rank

Direct premiums
written ($000)

Company/Group
1 CA Earthquake Authority

Market share
(percent)

$607,677

38.4%

2 Zurich Financial Services Ltd .

185,427

11.7

3 GeoVera Insurance Holdings Ltd.

114,032

7.2

4 AXIS Capital Holdings Ltd.

77,325

4.9

5 State Farm Mutual Automobile Insurance

60,224

3.8

6 Endurance Specialty Holdings

54,005

3.4

7 ACE Ltd.

45,757

2.9

8 American International Group

41,342

2.6

9 ICW Group

40,586

2.6

36,025

2.3

10 Allianz SE
(1) Before reinsurance transactions. Includes state funds.
Source: SNL Financial.

3

LEADING WRITERS OF PRIVATE PASSENGER AUTO INSURANCE IN CALIFORNIA
BY DIRECT PREMIUMS WRITTEN, 2009 (1)

Rank

Direct premiums
written ($000)

Company/Group
1 Zurich Financial Services Ltd

Market share
(percent)

$2,876,228

15.1%

2 State Farm Mutual Automobile Insurance

2,488,428

13.1

3 Allstate Corp.

1,664,229

8.7

4 Auto Club Exchange Group

1,661,781

8.7

5 Mercury General Corp.

1,652,889

8.7

6 CA State Automobile Association

1,433,000

7.5

7 Berkshire Hathaway Inc.

954,718

5.0

8 Progressive Corp.

760,424

4.0

9 USAA Insurance Group

702,005

3.7

638,925

3.4

10 Liberty Mutual Holding Co.
(1) Before reinsurance transactions.
Source: SNL Financial.

LEADING WRITERS OF COMMERCIAL PROPERTY/CASUALTY INSURANCE IN CALIFORNIA
BY DIRECT PREMIUMS WRITTEN, 2009 (1)

Rank

Direct premiums
written ($000)

Company/Group

Market share
(percent)

1 Zurich Financial Services Ltd

$2,608,229

9.5%

2 American International Group

2,488,098

9.1

3 Travelers Cos.

1,760,001

6.4

4 Liberty Mutual Holding Co.

1,710,489

6.3

5 Hartford Financial Services

950,332

3.5

6 Chubb Corp.

912,377

3.3

7 Nationwide Mutual Group

812,477

3.0

8 Allianz SE

809,708

3.0

9 ACE Ltd.

802,301

2.9

789,131

2.9

10 State Farm Mutual Automobile Insurance
(1) Before reinsurance transactions.
Source: SNL Financial.

4

LEADING WRITERS OF WORKERS COMPENSATION INSURANCE IN CALIFORNIA
BY DIRECT PREMIUMS WRITTEN, 2009 (1)

Rank

Direct premiums
written ($000)

Company/Group
1 State Compensation Insurance Fund

Market share
(percent)

$1,287,041

18.7%

2 Zurich Financial Services Ltd

562,070

8.2

3 American International Group

541,902

7.9

4 Travelers Cos

508,150

7.4

5 Liberty Mutual Holding Co. (SNL P&C Group)

363,156

5.3

6 Fairfax Financial Holdings Ltd (SNL P&C Group)

342,272

5.0

7 Hartford Financial Services (SNL P&C Group)

338,577

4.9

8 Berkshire Hathaway Inc. (SNL P&C Group)

235,577

3.4

9 Everest Re Group Ltd. (SNL P&C Group)

204,779

3.0

184,447

2.7

10 Employers Insurance Group (SNL P&C Group)
(1) Before reinsurance transactions.
Source: SNL Financial.

5

CONTRIBUTION TO THE CALIFORNIA ECONOMY IN COMPARISON WITH
OTHER STATES
EMPLOYMENT/COMPENSATION
INSURANCE CARRIERS AND RELATED ACTIVITIES, EMPLOYMENT, 2007-2008
Number of employees
State

2007

Alabama

2008
34,068

34,798

Alaska

2,652

2,605

Arizona

49,613

49,852

Arkansas

18,673

18,798

California

298,728

297,431

Colorado

50,426

50,305

Connecticut

74,654

75,265

Delaware

9,128

9,307

D.C.

3,760

3,586

Florida

181,730

181,757

Georgia

86,782

88,576

Hawaii

9,641

9,858

Idaho

12,217

11,986

Illinois

143,109

143,255

Indiana

57,661

59,111

Iowa

54,289

55,828

Kansas

33,355

33,945

Kentucky

35,860

36,818

Louisiana

31,512

31,846

Maine

13,311

13,501

Maryland

46,353

46,552

Massachusetts

77,888

79,023

Michigan

75,674

75,274

Minnesota

72,225

75,176

Mississippi

18,080

18,307

Missouri

61,657

62,068

Montana

8,304

8,586

Nebraska

33,209

33,859

Nevada

15,872

15,940

New Hampshire

16,110

16,298

New Jersey

93,086

93,522

New Mexico

11,011

11,116

185,772

186,019

New York

6

North Carolina

68,504

69,894

North Dakota

9,576

9,909

126,705

127,401

Oklahoma

29,819

30,262

Oregon

33,604

34,158

Pennsylvania

142,717

144,720

Rhode Island

11,056

11,328

South Carolina

38,151

38,906

South Dakota

10,155

10,438

Tennessee

56,365

58,122

216,165

221,075

23,576

23,201

Vermont

5,000

4,987

Virginia

56,755

56,886

Washington

50,848

50,997

West Virginia

12,406

12,695

Wisconsin

80,326

81,189

Wyoming

3,062

3,264

2,891,200

2,919,600

Ohio

Texas
Utah

United States

Source: Regional Economic Information System, Bureau of Economic Analysis, U.S.
Department of Commerce.

7

INSURANCE CARRIERS AND RELATED ACTIVITIES, COMPENSATION, 2007-2008
($000)
Annual payroll
State

2007

Alabama

2008

$1,969,781

$2,039,351

138,843

135,605

2,670,988

2,806,924

739,853

825,310

California

21,422,374

20,727,682

Colorado

2,901,846

3,068,766

Connecticut

8,615,135

8,098,286

Delaware

632,895

660,140

D.C.

412,774

393,438

Florida

10,170,837

10,713,518

Georgia

5,495,937

5,950,895

Hawaii

494,275

513,556

Idaho

489,898

493,879

Illinois

10,178,959

10,599,337

Indiana

3,083,254

3,245,011

Iowa

3,316,124

3,445,251

Kansas

1,623,940

1,739,519

Kentucky

2,089,480

2,129,762

Louisiana

1,485,146

1,623,575

811,515

881,483

Maryland

3,159,926

3,316,344

Massachusetts

6,699,271

6,908,539

Michigan

4,160,204

4,308,086

Minnesota

5,718,927

5,783,899

Mississippi

670,939

722,939

Missouri

3,234,912

3,401,108

Montana

312,898

355,219

1,658,491

1,822,009

793,861

819,231

New Hampshire

1,168,442

1,219,098

New Jersey

8,465,770

8,622,684

New Mexico

465,810

498,126

17,195,946

17,112,182

3,570,289

3,818,002

365,563

401,091

7,525,187

7,837,324

Alaska
Arizona
Arkansas

Maine

Nebraska
Nevada

New York
North Carolina
North Dakota
Ohio

8

Oklahoma

1,205,011

1,315,203

Oregon

1,869,295

2,006,145

Pennsylvania

9,466,570

9,823,891

Rhode Island

681,658

747,787

1,882,986

2,000,163

369,056

390,025

2,996,255

3,115,022

12,243,590

12,663,702

1,035,189

1,080,880

294,611

309,945

Virginia

3,271,373

3,402,056

Washington

3,212,058

3,445,218

451,194

486,220

4,614,978

4,940,936

113,886

123,638

$187,618,000

$192,888,000

South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont

West Virginia
Wisconsin
Wyoming
United States

Source: Regional Economic Information System, Bureau of Economic Analysis,
U.S. Department of Commerce.

9

PREMIUMS – LIFE/HEALTH
LIFE/HEALTH INSURANCE PREMIUMS AND ANNUITY CONSIDERATIONS BY STATE, 2009 (1)
($ millions)

State
Alabama

Accident
and
Deposithealth
type
Life
insurance contract
Other
insurance Annuities
(2)
funds considerations

Total

$1,845

$2,746

$1,553

$219

$460

$6,823

300

463

284

33

108

1,188

1,876

4,598

3,444

213

1,201

11,332

901

1,430

1,448

85

276

4,140

California

13,073

23,514

12,627

1,962

8,170

59,345

Colorado

1,927

4,280

3,130

715

946

10,998

Connecticut

2,327

4,701

2,225

10,513

1,825

21,592

Delaware

853

1,346

429

26,784

260

29,671

D.C.

376

531

581

168

901

2,557

Florida

7,296

16,943

10,870

1,003

3,371

39,484

Georgia

3,946

4,778

5,033

598

1,084

15,439

Hawaii

610

1,348

632

58

311

2,958

Idaho

459

899

580

253

217

2,407

Illinois

5,897

9,620

6,660

1,090

2,814

26,081

Indiana

2,372

4,884

4,102

533

708

12,600

Iowa

1,422

2,601

1,579

2,083

701

8,385

Kansas

1,188

2,125

3,095

2,308

375

9,091

Kentucky

1,365

2,403

2,123

162

505

6,558

Louisiana

1,921

3,406

1,876

156

556

7,916

443

933

873

192

218

2,657

Maryland

2,499

4,920

2,609

725

1,517

12,270

Massachusetts

3,090

6,644

2,648

608

2,489

15,480

Michigan

3,657

9,950

4,058

827

1,395

19,887

Minnesota

2,924

4,730

2,011

498

3,033

13,196

Mississippi

1,066

1,332

1,653

93

165

4,309

Missouri

2,506

5,127

5,310

514

1,070

14,527

Montana

290

455

511

29

126

1,412

Nebraska

874

1,625

1,203

465

226

4,393

Nevada

801

1,303

1,144

243

387

3,878

New Hampshire

528

1,330

643

1,799

401

4,701

New Jersey

5,607

10,896

4,495

1,707

2,125

24,831

New Mexico

561

865

794

71

331

2,622

10,266

18,425

7,007

25,801

8,210

69,708

Alaska
Arizona
Arkansas

Maine

New York

10

North Carolina

3,955

7,218

5,202

2,942

1,866

21,183

278

518

316

22

102

1,236

Ohio

4,530

10,188

7,086

1,684

1,795

25,283

Oklahoma

1,198

1,852

1,767

188

401

5,406

Oregon

1,052

2,389

1,600

204

956

6,200

Pennsylvania

5,650

11,971

5,526

1,215

3,308

27,672

Rhode Island

444

963

513

106

210

2,237

1,693

3,065

2,186

167

342

7,453

508

493

390

44

74

1,509

Tennessee

2,583

4,141

3,105

478

871

11,178

Texas

8,685

14,770

13,861

1,049

2,852

41,218

Utah

1,018

1,702

1,122

141

441

4,424

224

516

373

40

109

1,261

Virginia

3,536

5,686

4,062

630

1,162

15,076

Washington

1,877

4,031

2,539

282

1,367

10,096

588

1,150

819

93

167

2,817

2,229

4,970

4,892

595

1,058

13,744

226

336

316

26

53

957

North Dakota

South Carolina
South Dakota

Vermont

West Virginia
Wisconsin
Wyoming
United States (3)

$125,342 $237,111

$152,904 $92,410

$63,616 $671,383

(1) Direct premiums written before reinsurance transactions, excluding state funds.
(2) Does not include A/H premiums reported on p/c and health annual statements.
(3) Totals here do not includes territories, dividends and other nonstate specific data.
Source: SNL Financial LC.

11

PREMIUMS – PROPERTY/CASUALTY
DIRECT PREMIUMS WRITTEN, P/C INSURANCE BY STATE, 2009 (1)
($000)
State
Alabama

Total, all lines

State

$6,430,648 Montana

Total, all lines
$1,665,429

Alaska

1,469,796 Nebraska

3,462,772

Arizona

7,953,135 Nevada

3,890,446

Arkansas

3,883,379 New Hampshire

1,929,856

California

55,424,194 New Jersey

16,445,901

Colorado

7,946,896 New Mexico

2,618,494

Connecticut

6,718,450 New York

34,899,839

D.C.

1,588,912 North Carolina

11,866,211

Delaware

2,387,852 North Dakota

1,722,641

Florida

35,742,614 Ohio

Georgia

13,248,597 Oklahoma

12,873,109
5,607,148

Hawaii

2,078,077 Oregon

5,118,735

Idaho

1,866,219 Pennsylvania

19,103,875

Illinois

20,496,418 Rhode Island

1,850,235

Indiana

8,376,438 South Carolina

6,522,268

Iowa

5,031,046 South Dakota

1,755,628

Kansas

4,954,780 Tennessee

8,145,271

Kentucky

5,642,438 Texas

Louisiana

9,211,053 Utah

3,344,922

Maine

1,826,064 Vermont

1,057,896

Maryland

8,488,168 Virginia

10,295,462

36,400,135

Massachusetts

10,758,639 Washington

8,862,268

Michigan

13,711,277 West Virginia

2,661,508

Minnesota

8,631,675 Wisconsin

Mississippi

4,085,533 Wyoming

Missouri

8,865,351 United States

7,993,211
907,823
$467,818,732

(1) Before reinsurance transactions, excluding state funds, territories
and possessions.
Source: SNL Financial LC.

12

DIRECT PREMIUMS WRITTEN, PROPERTY/CASUALTY INSURANCE
BY STATE BY LINE, 2009 (1)
($000)
Private passenger
auto

State
Alabama
Alaska

Liability

Coll./comp.

$1,196,967 $1,052,539

Commercial auto

Liability

Coll./comp.

$280,601

Homeowners
multiple
peril

$90,190 $1,255,910

Farmowners Commercial
multiple
multiple
peril
peril
$52,281

$528,630

248,792

158,502

51,523

18,924

132,299

458

109,471

1,976,306

1,476,246

297,634

82,696

1,186,547

13,051

521,665

797,028

619,741

187,807

69,356

612,633

14,409

264,588

California

10,796,135

8,278,183

1,937,673

542,367

6,533,514

214,634

4,316,686

Colorado

1,665,326

1,087,894

279,925

100,781

1,301,035

59,177

598,470

Connecticut

1,451,222

875,224

268,285

60,439

1,065,532

3,795

519,668

Delaware

437,039

188,024

73,287

15,862

182,337

2,642

271,587

D.C.

134,277

121,346

33,727

6,717

123,335

0

138,917

Florida

8,393,157

3,544,111

1,252,996

289,622

6,932,094

25,783

1,976,445

Georgia

2,927,532

2,308,707

550,484

162,931

1,923,900

89,283

818,167

Hawaii

394,415

243,572

85,541

21,866

341,175

634

144,531

Idaho

398,445

276,373

89,951

38,975

243,179

44,519

168,380

Illinois

3,283,950

2,501,450

713,421

233,089

2,596,696

114,531

1,441,208

Indiana

1,572,283

1,166,816

350,855

135,937

1,366,385

136,910

675,644

Iowa

679,477

622,690

163,251

95,635

509,659

115,331

290,680

Kansas

725,253

678,391

151,767

84,933

759,232

139,152

315,424

Kentucky

1,390,669

745,615

235,968

78,509

770,597

116,186

421,238

Louisiana

1,875,409

1,309,989

438,492

96,253

1,412,130

10,466

479,461

333,695

266,876

83,819

31,409

306,520

2,859

175,690

Maryland

2,154,195

1,438,943

349,933

91,446

1,248,213

21,108

553,279

Massachusetts

2,184,604

1,371,859

505,092

151,644

1,680,657

2,224

917,686

Michigan

3,125,412

2,510,540

397,806

201,656

2,145,535

110,471

896,377

Minnesota

1,558,368

1,106,096

283,652

125,608

1,392,706

94,212

590,273

Mississippi

756,805

598,619

208,592

62,627

751,510

16,065

289,024

Missouri

1,570,388

1,255,486

329,886

122,070

1,380,723

113,665

633,152

Montana

305,657

222,026

80,984

42,669

204,233

47,857

138,519

Nebraska

484,252

378,649

118,252

65,685

415,491

126,087

200,410

1,092,541

567,673

165,153

30,421

473,816

6,765

265,438

360,454

301,550

80,981

29,402

308,254

1,578

190,119

New Jersey

3,956,755

1,911,810

847,124

158,573

1,957,270

2,855

1,204,386

New Mexico

652,048

429,337

114,099

41,792

374,781

21,822

198,276

Arizona
Arkansas

Maine

Nevada
New
Hampshire

13

New York

6,588,062

3,360,184

1,567,234

251,448

4,238,743

33,935

3,096,679

North Carolina

2,683,688

1,782,711

490,699

140,638

1,816,556

45,964

769,687

147,479

171,465

48,266

33,551

127,562

64,644

94,861

Ohio

2,840,594

2,147,348

540,667

175,822

2,043,116

112,009

1,067,418

Oklahoma

1,075,221

801,176

239,792

90,699

974,003

101,629

394,281

Oregon

1,325,099

669,970

211,635

61,713

611,659

53,769

397,872

Pennsylvania

4,182,436

2,801,148

822,724

273,609

2,457,231

82,334

1,442,352

Rhode Island

437,743

219,677

70,438

16,641

286,363

182

132,658

1,534,730

935,130

230,240

76,734

1,211,038

5,606

421,762

189,392

178,519

53,419

56,814

137,066

70,261

102,114

Tennessee

1,554,524

1,193,307

327,239

132,107

1,291,361

107,780

587,217

Texas

7,374,123

5,819,451

1,507,164

457,297

5,612,411

141,453

2,031,466

Utah

796,293

496,936

168,127

68,534

372,946

9,023

212,694

Vermont

158,186

144,068

41,872

18,281

160,424

11,483

137,921

Virginia

2,350,951

1,701,554

386,959

119,149

1,553,223

48,778

668,563

Washington

2,472,509

1,282,756

353,426

104,801

1,256,747

55,558

690,958

654,414

416,572

91,983

37,657

324,657

10,845

166,983

1,259,525

1,003,626

329,957

133,226

950,779

120,209

572,968

155,258

157,640

47,229

27,877

126,344

24,100

84,057

5,656,681 67,440,126

2,820,374

33,325,999

North Dakota

South Carolina
South Dakota

West Virginia
Wisconsin
Wyoming

United States 96,659,083 64,898,113 18,537,627
(1) Excludes state funds.
Source: SNL Financial LC.

DIRECT PREMIUMS WRITTEN, PROPERTY/CASUALTY INSURANCE
BY STATE BY LINE, 2009 (1) (Cont'd)
($000)

State
Alabama

Excess
Workers
workers
Medical
Products
compensation compensation malpractice liability

Other
liability

Fire

Allied
lines

$317,546

$12,960

$154,269

$32,840

$469,290

$185,500

$137,950

Alaska

255,649

6,762

22,801

6,443

121,795

32,373

18,107

Arizona

609,259

6,768

263,605

28,414

594,473

139,333

92,881

Arkansas

223,867

2,863

80,264

16,643

276,124

131,263

110,262

6,885,439

201,651

840,476

370,465

5,687,753

1,546,775

1,125,126

Colorado

662,784

9,357

168,884

53,435

854,787

153,806

143,230

Connecticut

593,398

13,286

209,892

40,120

812,441

121,308

89,901

Delaware

135,669

785

41,332

4,720

225,005

22,738

17,230

D.C.

132,472

3,225

40,982

6,582

305,100

36,119

26,927

California

14

Florida

1,700,422

55,976

568,547

155,211

2,442,856

1,658,834

2,809,876

Georgia

1,034,407

29,261

304,191

69,180

1,079,201

317,931

216,807

Hawaii

189,808

4,123

33,191

8,159

242,395

74,833

84,739

Idaho

118,843

987

42,424

8,370

129,889

30,236

33,456

Illinois

2,348,943

42,352

621,344

119,634

2,391,990

386,136

302,407

Indiana

621,187

9,350

127,332

46,266

634,235

215,175

130,937

Iowa

536,192

4,843

83,777

30,014

459,579

74,043

142,275

Kansas

412,286

8,479

81,925

27,374

314,754

86,343

142,649

Kentucky

539,816

12,530

157,023

27,264

361,520

110,557

80,491

Louisiana

748,142

42,304

104,265

38,444

712,512

266,936

278,983

Maine

200,217

3,353

51,088

6,027

125,835

41,436

26,695

Maryland

543,488

7,653

295,046

44,601

686,444

155,063

102,065

Massachusetts

813,002

17,989

322,507

85,228

1,388,578

300,109

183,647

Michigan

859,044

30,089

211,055

67,113

1,133,116

323,799

197,798

Minnesota

731,401

1,857

87,511

66,490

827,387

148,711

212,808

Mississippi

292,219

12,742

58,359

18,218

258,979

132,590

122,459

Missouri

743,944

19,857

202,757

40,983

927,598

192,209

148,171

Montana

118,188

6,427

45,841

6,840

114,234

26,154

22,785

Nebraska

314,389

5,454

36,401

19,583

242,919

45,246

149,834

Nevada

298,746

14,392

95,318

14,099

317,282

102,625

76,781

New
Hampshire

220,770

1,314

43,152

11,223

160,659

32,809

23,691

New Jersey

1,779,193

23,076

526,306

168,942

1,980,074

333,534

219,554

New Mexico

231,884

6,285

46,963

10,537

174,681

38,881

33,095

New York

3,423,319

53,610

1,641,492

181,504

5,248,869

767,144

447,712

North Carolina

1,161,288

15,286

252,363

76,809

856,196

260,856

220,120

2,642

1

11,788

8,165

92,629

19,443

91,468

18,225

54,804

384,589

87,213

1,370,750

344,512

202,466

Oklahoma

486,315

6,669

127,305

37,139

410,467

117,984

113,498

Oregon

551,210

6,401

106,696

26,197

403,103

89,285

61,489

Pennsylvania

2,003,487

35,997

731,084

125,730

1,948,884

421,830

242,693

Rhode Island

155,908

2,274

40,736

9,645

187,508

39,835

31,331

South Carolina

587,027

6,660

57,247

28,554

386,180

172,012

158,156

South Dakota

136,206

1,583

21,261

6,767

88,218

17,660

51,889

Tennessee

709,892

14,934

279,887

47,434

635,730

217,086

130,797

2,185,468

27,734

333,393

198,216

3,404,022

1,456,038

993,781

Utah

345,826

3,235

72,188

24,557

304,948

75,757

42,630

Vermont

147,835

1,064

22,096

5,999

94,837

19,191

11,960

Virginia

782,728

16,887

238,061

49,321

954,190

203,247

144,888

20,502

25,707

201,154

50,172

835,900

183,517

122,429

406,039

3,809

76,674

11,127

193,429

56,787

32,414

North Dakota
Ohio

Texas

Washington
West Virginia

15

Wisconsin

1,547,896

6,679

95,550

59,817

761,551

133,784

109,848

3,074

18

26,815

6,667

79,546

20,346

17,254

39,887,502

901,704

Wyoming
United States

10,689,212 2,690,497 44,710,443 12,079,721 10,730,440

(1) Excludes state funds.
Source: SNL Financial LC.

DIRECT PREMIUMS WRITTEN, PROPERTY/CASUALTY INSURANCE
BY STATE BY LINE, 2009 (1) (Cont'd)
($000)
Burglary
and
Boiler and Financial
theft machinery guaranty

State

Inland
marine

Ocean
marine

Surety

Alabama

$216,418

$33,581

$71,828

$11,851

$1,729

$23,732

$18,495

Alaska

124,864

29,125

32,401

1,908

243

5,609

2,268

Arizona

195,654

12,824

98,305

10,205

1,769

17,943

6,420

Arkansas

147,913

14,188

37,428

7,759

1,631

13,099

7,033

1,675,195

228,043

658,136

114,306

18,698

119,584

90,901

Colorado

191,291

10,981

100,712

17,610

2,704

18,810

11,972

Connecticut

213,434

48,112

61,933

31,210

3,257

15,477

11,499

Delaware

42,097

5,782

15,385

4,741

1,819

3,325

71,363

D.C.

65,004

3,118

102,950

14,249

1,502

4,185

2,279

Florida

793,740

264,340

319,283

52,065

9,725

65,308

44,303

Georgia

423,857

57,741

147,653

28,673

4,791

31,143

8,116

Hawaii

40,194

13,641

43,056

4,249

400

5,245

5,845

Idaho

50,165

3,364

19,231

2,445

346

6,184

49

Illinois

533,471

65,320

177,212

56,693

8,747

52,572

37,867

Indiana

207,883

23,172

74,219

15,457

2,487

34,980

8,532

Iowa

155,347

7,105

39,356

9,775

1,421

19,455

4,280

Kansas

130,029

7,142

48,306

10,306

1,245

17,470

7,590

Kentucky

192,384

19,526

69,065

8,668

1,219

19,592

7,301

Louisiana

318,087

244,916

117,136

12,050

1,932

24,026

25,083

49,471

28,258

14,671

3,181

635

7,883

1,129

Maryland

206,488

81,605

150,060

20,043

2,788

18,351

16,231

Massachusetts

256,676

89,075

99,950

34,533

4,751

30,396

17,867

Michigan

295,256

40,862

67,446

31,652

4,663

43,507

10,328

Minnesota

200,502

21,794

62,712

24,082

2,953

27,120

18,723

Mississippi

115,816

20,375

52,107

6,940

1,110

11,198

4,280

Missouri

218,191

33,423

77,768

20,198

3,208

20,961

6,463

California

Maine

16

Fidelity

Montana

43,198

3,715

23,675

2,665

335

4,601

464

Nebraska

116,445

3,223

27,368

7,092

965

12,276

4,449

Nevada

100,759

6,429

80,540

6,914

1,307

10,519

5,493

New
Hampshire

47,029

11,718

15,711

3,026

604

5,351

991

Hew Jersey

378,611

125,855

150,907

43,091

5,880

38,842

27,704

New Mexico

68,972

1,518

45,015

3,813

557

6,498

1,534

New York

978,460

450,468

344,863

142,067

18,451

North Carolina

349,047

33,748

119,107

26,579

4,001

31,953

21,976

North Dakota

37,983

979

15,112

1,954

215

5,851

172

Ohio

389,263

35,290

118,899

36,247

7,640

52,070

17,141

Oklahoma

163,351

17,620

61,855

8,454

1,545

16,002

2,548

Oregon

136,885

26,653

63,645

8,296

1,698

15,245

1,050

Pennsylvania

406,945

45,654

187,610

47,362

5,498

56,555

51,625

Rhode Island

49,933

24,114

14,886

4,028

609

3,910

8,371

South Carolina

187,161

24,624

62,216

8,623

1,468

17,859

6,644

South Dakota

36,077

743

15,320

2,990

373

4,284

1,335

285,294

39,834

74,736

15,857

3,491

21,472

7,422

1,183,993

360,875

446,524

66,702

9,675

122,788

71,614

Utah

80,540

5,528

64,202

6,082

695

7,492

3,439

Vermont

23,388

10,572

7,205

2,640

383

3,059

4,041

Virginia

274,116

53,590

163,390

28,491

5,460

27,391

29,304

Washington

276,093

124,049

137,393

15,229

2,965

28,690

3,799

54,223

3,086

36,497

3,875

464

5,613

445

Wisconsin

224,641

25,034

43,656

18,940

2,558

32,997

1,849

Wyoming

37,137

805

24,725

1,352

187

5,907

142

United States 12,988,975 2,843,136 5,103,369 1,067,218

162,795

Tennessee
Texas

West Virginia

(1) Excludes state funds.
Source: SNL Financial.

17

90,297 1,030,131

1,284,675 1,749,901

DIRECT PREMIUMS WRITTEN, PROPERTY/CASUALTY INSURANCE
BY STATE BY LINE, 2009 (1) (Cont'd)
($000)

State
Alabama

Federal
Aircraft Earthquake
flood

Credit

Accident Multiple
and
peril
Warranty health
crop

$15,707

$7,238

$30,055

$15,278

$14,847

$41,793

$50,223

Alaska

33,712

20,840

2,074

1,104

2,781

9,368

71

Arizona

63,164

6,774

18,032

11,088

7,618

61,291

11,369

Arkansas

17,643

19,113

9,469

8,305

8,222

33,663

99,562

California

182,273

1,584,405

179,462

98,774

82,473

369,104

254,431

Colorado

46,460

8,351

13,479

16,123

19,499

69,728

166,111

Connecticut

34,017

5,140

33,764

24,027

8,552

27,091

4,811

Delaware

13,698

747

14,079

26,133

1,605

531,299

12,306

9,857

1,782

580

6,079

141

116,890

0

Florida

113,674

31,645

913,924

151,494

272,383

252,531

93,331

Georgia

74,250

13,713

55,399

36,153

38,976

135,287

106,410

Hawaii

10,279

7,878

27,680

4,140

2,650

16,317

1,337

Idaho

13,870

2,372

3,866

3,537

3,072

23,837

79,726

Illinois

65,161

49,999

30,471

68,385 1,014,887

244,096

704,196

Indiana

22,022

31,161

20,754

23,920

27,623

176,316

376,490

Iowa

11,054

3,629

9,891

9,802

4,373

97,605

744,267

Kansas

20,214

5,564

6,918

8,816

58,490

60,766

583,237

Kentucky

9,812

35,141

13,214

14,053

6,464

44,026

101,267

Louisiana

69,377

8,430

288,276

30,737

7,645

52,721

76,006

4,255

1,428

6,579

5,701

6,988

10,438

7,948

Maryland

20,361

6,559

31,754

12,489

9,473

65,324

30,562

Massachusetts

19,709

15,207

42,667

25,744

11,168

63,400

3,633

Michigan

36,068

6,265

16,266

54,614

384,192

120,376

152,329

Minnesota

26,799

4,242

6,446

30,084

24,949

137,347

627,216

Mississippi

12,062

17,851

35,542

17,422

2,955

60,041

96,112

Missouri

29,409

88,542

16,230

35,679

25,544

226,117

266,723

Montana

9,706

3,460

2,428

1,629

1,394

13,730

156,132

Nebraska

9,840

2,385

7,298

7,928

6,223

59,373

555,774

25,869

17,708

7,903

5,506

8,924

20,554

2,465

New
Hampshire

7,952

2,217

6,069

5,670

14,711

11,124

314

New Jersey

53,542

12,147

167,361

88,638

21,851

83,375

6,031

New Mexico

8,195

1,857

9,693

3,451

11,100

20,413

17,985

120,225

29,825

121,443

109,683

47,792

246,285

27,565

55,007

9,053

76,740

72,202

17,768

129,315

157,106

D.C.

Maine

Nevada

New York
North Carolina

18

North Dakota

8,699

329

5,637

1,168

257

14,255

707,329

Ohio

46,109

26,665

25,741

42,458

20,907

165,156

261,188

Oklahoma

20,300

4,845

8,515

15,190

14,811

58,325

165,326

Oregon

35,428

53,777

20,005

18,733

4,091

45,550

43,062

Pennsylvania

40,164

13,303

47,752

55,009

32,807

257,427

49,326

Rhode Island

21,101

2,218

15,228

4,439

1,271

45,320

68

South Carolina

11,624

30,515

107,792

36,568

5,067

48,031

52,028

South Dakota

4,990

440

2,537

1,168

870

30,398

529,569

41,638

59,612

14,587

35,248

29,999

94,486

80,965

186,589

30,264

301,536

279,444

122,675

483,579

603,491

21,563

29,121

2,270

5,639

4,357

54,406

3,729

Vermont

2,504

860

3,053

5,762

1,317

4,556

1,648

Virginia

36,170

10,013

61,311

76,359

19,853

86,352

48,381

Washington

61,845

134,970

33,087

18,964

24,606

74,198

127,691

3,964

1,352

13,175

3,588

2,490

24,383

2,262

Wisconsin

20,575

3,796

9,543

19,091

32,724

157,956

208,455

Wyoming

5,069

2,902

1,810

1,318

546

16,647

16,373

Tennessee
Texas
Utah

West Virginia

United States 1,833,577

2,467,649 2,899,385 1,654,534 2,495,980 5,291,970 8,473,936

(1) Excludes state funds.
Source: SNL Financial.

19

DIRECT PREMIUMS WRITTEN, PROPERTY/CASUALTY INSURANCE
BY STATE BY LINE, 2009 (1) (Cont'd)
($000)

State

Mortgage
guaranty

Alabama

Misc.

$81,888

$28,513

Alaska

17,458

2,070

Arizona

122,327

19,474

Arkansas

42,613

8,890

California

381,908

109,625

Colorado

105,521

8,655

Connecticut

58,688

12,927

Delaware

22,201

3,014

D.C.

148,894

1,676

Florida

423,504

135,434

Georgia

215,569

38,887

Hawaii

21,976

4,207

Idaho

28,332

1,797

Illinois

259,182

31,008

Indiana

129,710

12,400

Iowa

101,016

5,226

Kansas

52,730

7,994

Kentucky

47,449

5,272

Louisiana

80,868

39,975

Maine

19,732

2,248

Maryland

116,032

8,570

Massachusetts

102,242

16,792

Michigan

155,213

82,427

Minnesota

184,461

5,167

Mississippi

40,539

12,373

Missouri

101,934

14,070

Montana

13,376

2,508

Nebraska

33,216

6,267

Nevada

62,012

6,494

New Hampshire

27,183

4,234

New Jersey

158,171

14,439

New Mexico

33,694

9,721

New York

208,730

33,618

North Carolina

164,259

25,487

8,166

571

North Dakota

20

Ohio

196,244

42,564

Oklahoma

57,128

15,154

Oregon

55,742

12,775

Pennsylvania

214,289

21,010

Rhode Island

16,277

7,521

South Carolina

101,579

9,391

South Dakota

11,965

1,401

Tennessee

100,585

10,747

Texas

426,173

162,194

Utah

57,675

4,490

Vermont

10,517

1,172

Virginia

142,599

14,185

Washington

122,672

19,878

West Virginia

18,597

4,106

Wisconsin

95,367

10,614

Wyoming

15,818

860

United States

5,414,019 1,060,091

(1) Excludes state funds.
Source: SNL Financial.

21

GROSS STATE PRODUCT
GROSS STATE PRODUCT, INSURANCE CARRIERS AND RELATED ACTIVITIES, 2006-2007
($ millions)
Gross state product (GSP)
($ millions)
State
Alabama

2006

As a percent of total
2007 GSP

2007

$3,124

$3,080

2.3%

394

473

1.5

Arizona

4,515

4,561

2.2

Arkansas

1,139

1,205

1.5

California

29,805

30,125

2.0

Colorado

4,536

5,231

2.7

14,342

16,505

9.2

5,711

7,326

14.6

725

813

1.1

Florida

13,948

14,590

2.4

Georgia

6,891

7,456

2.3

Hawaii

868

902

1.8

Idaho

767

812

1.8

Illinois

21,779

22,485

4.4

Indiana

6,992

7,728

3.7

Iowa

8,097

8,972

8.3

Kansas

2,397

2,904

3.0

Kentucky

3,080

3,306

2.6

Louisiana

2,561

2,713

1.9

Maine

1,222

1,358

3.4

Maryland

5,118

5,817

2.7

Massachusetts

9,000

10,750

3.5

11,837

11,219

3.4

Minnesota

8,827

9,635

4.5

Mississippi

1,238

1,286

1.8

Missouri

5,190

5,329

2.8

Montana

508

511

1.9

Nebraska

3,614

3,262

5.0

Nevada

1,409

1,472

1.4

New Hampshire

1,958

2,201

4.4

New Jersey

10,663

10,931

2.8

New Mexico

812

856

1.4

29,001

32,438

3.4

Alaska

Connecticut
Delaware
D.C.

Michigan

New York

22

North Carolina

5,653

5,676

1.7

563

628

2.8

11,907

13,002

3.3

Oklahoma

2,217

2,346

2.3

Oregon

2,763

2,966

2.0

Pennsylvania

15,845

16,532

3.8

Rhode Island

1,594

1,728

4.5

South Carolina

2,805

2,987

2.4

611

651

2.2

4,304

4,712

2.3

19,291

19,520

2.2

1,595

1,882

2.2

646

645

3.0

Virginia

5,091

5,493

1.7

Washington

4,946

5,243

2.0

842

899

2.0

8,821

9,121

4.6

197

204

1.0

$311,757

$332,486

2.9%

North Dakota
Ohio

South Dakota
Tennessee
Texas
Utah
Vermont

West Virginia
Wisconsin
Wyoming
United States

Source: U.S. Department of Commerce, Bureau of
Economic Analysis.

23

STATE TAXES

All insurance companies pay a state tax based on their premiums. Other payments are made to states
for licenses and fees, income and property taxes, sales and use taxes, unemployment compensation
taxes and franchise taxes.
PREMIUM TAXES BY STATE, PROPERTY/CASUALTY AND
LIFE/HEALTH INSURANCE, 2009
($000)
State
Alabama
Alaska

Amount

State

$269,808 Montana
52,286 Nebraska

Arizona

439,132 Nevada

Arkansas

149,457 New Hampshire

California

Amount
$66,755
51,040
238,622
81,543

2,053,850 New Jersey

507,344

Colorado

197,414 New Mexico

128,731

Connecticut

159,588 New York

Delaware

88,849 North Carolina

Florida

651,300 North Dakota

Georgia

314,583 Ohio

Hawaii

98,038 Oklahoma

Idaho

78,886 Oregon

1,111,852
506,452
34,583
425,089
157,894
57,050

Ilinois

334,126 Pennsylvania

731,865

Indiana

187,410 Rhode Island

48,771

Iowa

90,035 South Carolina

Kansas

136,544 South Dakota

Kentucky

125,168 Tennessee

Louisiana

484,858 Texas

Maine

89,528 Utah

125,797
63,165
299,006
1,140,217
132,214

Maryland

390,848 Vermont

56,111

Massachusetts

335,646 Virginia

255,019

Michigan

257,563 Washington

408,464

Minnesota

330,206 West Virginia

113,528

Mississippi

188,256 Wisconsin

121,171

Missouri

292,412 Wyoming

29,845

United States

$14,687,919

Source: U.S. Department of Commerce, Bureau of the Census.

24

INSURANCE COMPANIES BY STATE
DOMESTIC INSURANCE COMPANIES BY STATE,
PROPERTY/CASUALTY AND LIFE/HEALTH INSURANCE, 2009

State
Alabama

Property/ Life/
casualty health
20

State

10 Montana

Property/ Life/
casualty health
4

3

29

32

15

3

31 New Hampshire

41

2

Alaska

5

Arizona

49

Arkansas

12

California

121

15 New Jersey

74

3

Colorado

15

10 New Mexico

11

3

Connecticut

66

27 New York

208

81

Delaware

86

29 North Carolina

69

5

8

3 North Dakota

17

3

134

40

39

27

13

4

D.C.

0 Nebraska
154 Nevada

Florida

145

12 Ohio

Georgia

34

Hawaii

18

Idaho

9

1 Pennsylvania

189

33

Illinois

197

60 Rhode Island

24

4

Indiana

80

31 South Carolina

24

10

Iowa

59

25 South Dakota

7

12

Kansas

24

14 Tennessee

20

13

230

139

10

15

16 Oklahoma
3 Oregon

Kentucky

8

7 Texas

Louisiana

35

Maine

19

2 Vermont

14

2

Maryland

38

6 Virginia

16

11

Massachusetts

53

16 Washington

20

10

Michigan

75

30 West Virginia

17

0

Minnesota

46

12 Wisconsin

179

22

Mississippi

16

20 Wyoming

3

0

Missouri

54

30 United States (1)

47 Utah

2,737 1,106

(1) Includes U.S. territories and possessions.
Source: Insurance Department Resources Report, 2009, published by the
National Association of Insurance Commissioners. Reprinted with
permission. Further reprint or redistribution strictly prohibited without
written permission of NAIC.

25

TORNADOES AND RELATED DEATHS BY STATE, 2009
State

Tornadoes

Alabama

Fatalities

105

1

Alaska

0

0

Arizona

4

0

Arkansas

35

3

California

2

0

Colorado

58

0

Connecticut

3

0

Delaware

0

0

D.C.

0

0

Florida

34

0

Georgia

72

1

Hawaii

0

0

Idaho

2

0

Illinois

52

0

Indiana

13

0

Iowa

42

0

Kansas

87

0

Kentucky

38

2

Louisiana

102

0

12

0

Maryland

8

0

Massachusetts

1

0

Michigan

3

0

Minnesota

31

0

Mississippi

50

1

Missouri

63

3

Montana

7

0

Nebraska

46

0

Nevada

2

0

New Hampshire

0

0

New Jersey

1

0

New Mexico

4

0

New York

11

0

North Carolina

40

0

North Dakota

33

0

Ohio

16

0

Oklahoma

34

8

4

0

Maine

Oregon

26

Pennsylvania

7

0

Rhode Island

0

0

South Carolina

17

0

South Dakota

35

0

Tennessee

57

2

125

0

Utah

3

0

Vermont

2

0

Virginia

11

0

Washington

2

0

West Virginia

0

0

Wisconsin

19

0

Wyoming

12

0

1,305 (1)

21

Texas

United States

(1) Includes tornadoes that track from a touchdown state
into another state.
Source: U.S. Department of Commerce, Storm Prediction
Center, National Weather Service.

27

EARTHQUAKES

The 1994 Northridge earthquake caused $15.3 billion in insured damages when it occurred ($22.2
billion in 2009 dollars). It ranks as the fourth costliest U.S. disaster, based on insured property losses
(in 2009 dollars), topped only by Hurricane Katrina, Hurricane Andrew and the attacks on the World
Trade Center. The earthquake and fire that devastated San Francisco on April 18, 1906 was one of the
worst natural disasters in the United States. A 2009 study by AIR Worldwide estimates the insured loss
at $96 billion, were the quake to hit under current economic and demographic conditions.
THE TEN MOST COSTLY U.S. EARTHQUAKES (1)
($ millions)
Insured losses

Rank

Year

Location

Overall
losses
when
occurred

When
occurred

In 2009
dollars
(2)

Fatalities

Rank
based on
insured
losses in
2009
dollars

California: Northridge, Los
Angeles, San Fernando
$44,000
$15,300
$22,200
60
Valley, Ventura, Orange
California: Loma Prieta,
Santa Cruz, San Francisco,
2
Oct. 17, 1989
10,000
960
1,660
70
Oakland, Berkeley, Silicon
Valley
Washington: Olympia,
3
Feb. 28, 2001
2,000
305
370
1
Seattle, Tacoma; Oregon
California: San Francisco,
4
Apr. 18, 1906
524
180 3,901 (3)
3,000
Santa Rosa, San Jose
California: Los Angeles,
5
Oct. 1-4, 1987
358
73
138
8
Whittier
Hawaii: Big Island, Kailua
6
Oct. 15, 2006
200
50
53
NA
Kona, Oahu, Honolulu
California: Napa
7
Sept. 3, 2000
80
50
62
NA
Alaska: Anchorage, Kodiak
Mar. 27-28,
Island, Seward, Valdez,
8
540
45
312
130
1964
Portage, Whittier, Cordova,
Homer, Seldovia; Hawaii
California: Paso Robles,
San Simeon, San Luis
9
Dec. 22, 2003
200
40
47
2
Obispo, Atascadero
California: San Bernardino
10
Jun. 28, 1992
100
40
61
1
County
(1) Costliest U.S. earthquakes occurring from 1900 to 2009, based on insured losses when occurred.
(2) Adjusted to 2009 dollars by Munich Re.
(3) Adjusted to 2009 dollars by the Insurance Information Institute based on 1913 Bureau of Labor Statistics data
(earliest year available).
1

Jan. 17, 1994

NA=Data not available.
Source: © 2010 Munich Re, Geo Risks Research, NatCatSERVICE.

28

1

3

5
2
6
9
7
4

10
8

The previous chart ranks historic earthquakes based on their total property losses, adjusted for
inflation. The chart below uses a computer model to measure the estimated impact of historical quakes
according to current exposures. The analysis, conducted in 2009, is based on AIR Worldwide's U.S.
earthquake model. It makes use of the firm's property exposure database and takes into account the
current number and value of exposed properties.
ESTIMATED INSURED LOSSES FOR THE TOP TEN HISTORICAL
EARTHQUAKES BASED ON CURRENT EXPOSURES
($ billions)
Insured loss
(current exposures)
1
Feb. 7, 1812
New Madrid, MO
7.7
$100
San Francisco, CA
2
Apr. 18, 1906
7.8
96
3
Aug. 31, 1886
Charleston, SC
7.3
37
San Francisco, CA
4
Jun. 1, 1838
7.4
27
Northridge, CA
5
Jan. 17, 1994
6.7
21
Hayward, CA
6
Oct. 21, 1868
7.0
21
Fort Tejon, CA
7
Jan. 9, 1857
7.9
8
Loma Prieta, CA
8
Oct. 17, 1989
6.3
6
Long Beach, CA
9
Mar. 10, 1933
6.4
5
Calaveras, CA
10
Jul. 1, 1911
6.4
4
(1) Modeled loss to property, contents, and business interruption and additional living expenses for
residential, mobile home, commercial and auto exposures as of December 31, 2008. Losses include
demand surge and fire following earthquake. Policy conditions and earthquake insurance take up
rates are based on estimates by state insurance departments and client claims data.
Rank

Date

Location

Magnitude

Source: AIR Worldwide Corporation.

29

WILDFIRES

Fire plays an important role in the life of a forest, clearing away dead wood and undergrowth to make
way for younger trees. But for much of the last century, fire-suppression policies have sought to
extinguish wildfires as quickly as possible to preserve timber and real estate. This approach has led to
the accumulation of brush and other vegetation that is easily ignited and serves as fuel for wildfires.
Most of the large fires with significant property damage have occurred in California, where some of the
fastest developing counties are in forest areas.
2009 WILDFIRES

Historically, the costliest U.S. wildfires have been in California, which saw an average of $500 million
per year in insured losses from 1990 to 2009. While there were a number of large wildfires in Southern
California in 2009, damages were far below average. Munich Re put insured catastrophic wildfire losses
at $185 million in 2009, with the losses concentrated in California. Although eight of the 10 costliest
U.S. wildfires in history, based on insured losses, occurred in California, Texas had the greatest number
of wildfires in 2008 and 2009.
TOP TEN STATES FOR WILDLAND FIRES RANKED BY NUMBER OF FIRES, 2009
Rank
State
Number of fires Number of acres burned
1
Texas
16,614
753,261
California
2
9,159
405,585
3
Georgia
3,732
13,714
4
North Carolina
3,344
25,142
5
Missouri
2,957
42,241
6
Florida
2,797
124,401
7
Arizona
2,371
263,358
8
Mississippi
2,366
31,280
9
Indiana
2,083
4,706
10
Washington
1,976
77,250
Source: National Interagency Coordination Center.

TOP TEN STATES FOR WILDLAND FIRES BY ACRES BURNED, 2009
Rank
State
Number of fires
Number of acres burned
1
Alaska
527
2,951,597
2
Texas
16,614
753,261
3
New Mexico
1,278
421,481
California
4
9,159
405,585
5
Arizona
2,371
263,358
6
Oklahoma
1,773
153,948
7
Florida
2,797
124,401
8
Utah
1,136
112,753
9
Oregon
1,488
100,668
10
Washington
1,976
77,250
Source: National Interagency Coordination Center.

30

THE TEN MOST COSTLY WILDLAND FIRES IN THE UNITED STATES (1)
($ millions)
Estimated insured loss
Dollars
In 2008 dollars
Rank
Date
Location
when
(2)
occurred
Oakland Fire, CA
1
Oct. 20-21, 1991
$1,700
$2,496
Witch Fire, CA
2
Oct. 21-24, 2007
1,300
1,344
Cedar Fire, CA
3
Oct. 25 - Nov.4, 2003
1,060
1,237
Old Fire, CA
4
Oct. 25 - Nov.3, 2003
975
1,137
Los Angeles County Fire, CA
5
Nov. 2-3, 1993
375
526
Orange County Fire, CA
6
Oct. 27-28, 1993
350
491
Santa Barbara Fire, CA
7
Jun. 27 - Jul.2, 1990
265
403
8
May 10-16, 2000
Cerro Grande Fire, NM
140
173
9
Jun. 23-28, 2002
Rodeo Chediski Complex Fire, AZ
120
143
Oakland and Berkeley Hills Fire, CA
10
Sep. 22-30, 1970
25
112
(1) Property coverage only for catastrophic fires. Effective January 1, 1997, ISO's Property Claim
Services (PCS) unit defines catastrophes as events that cause more than $25 million in insured property
damage and that affect a significant number of insureds and insurers. From 1982 to 1996, PCS used a
$5 million threshold in defining catastrophes. Before 1982, PCS used a $1 million threshold.
(2) Adjusted for inflation through 2009 by ISO using the GDP implicit price deflator.
Source: ISO’s Property Claim Services (PCS) unit.

31

FAIR PLANS

Fair Access to Insurance Requirements (FAIR) Plans developed in the 1960s after the era of urban riots,
to make property insurance available to those who had difficulty obtaining it in certain areas. The plans,
run by the states, make insurance available to properties meeting established standards, regardless of
location or exposure. All FAIR Plan policies insure for losses from fire, vandalism, riot and windstorm.
INSURANCE PROVIDED BY FAIR PLANS BY STATE, FISCAL YEAR 2009 (1)
Number of
State
California

Habitational
policies

Commercial
policies

Exposure
($000)

Direct written premiums
($000)

138,891

7,520

$41,598,445

$65,946

Connecticut

3,436

179

639,694

3,784

Delaware

2,159

96

281,753

656

NA

NA

NA

NA

1,122,262

57,609

405,990,630

2,181,283

22,646

1,851

3,912,725

18,093

Hawaii

NA

NA

NA

NA

Illinois

6,298

122

521,107

5,194

Indiana

2,045

74

162,146

1,313

874

45

56,750

534

Kansas

9,330

195

472,318

4,302

Kentucky

9,986

596

NA

6,031

Louisiana (2)

140,964

6,380

28,366,895

222,251

Massachusetts

222,172

653

79,395,334

293,664

40,812

1,266

5,474,271

40,369

Minnesota

6,776

4

610,310

5,510

Mississippi

11,286

(3)

680,848

7,509

5,665

322

294,926

2,734

New Jersey

25,309

894

3,300,785

12,931

New York

54,895

5,081

13,880,554

35,601

Ohio

37,355

745

7,557,891

20,699

2,965

122

220,601

1,165

Pennsylvania

27,009

1,820

1,791,047

9,459

Rhode Island

18,667

155

4,311,658

22,522

Texas

97,882

(3)

11,706,720

60,255

Virginia

30,623

665

3,624,475

14,969

39

38

20,259

154

786

87

33,409

496

2,837

56

NA

1,288

86,575 $614,905,551

$3,038,712

D.C.
Florida (2)
Georgia

Iowa

Michigan

Missouri

Oregon

Washington
West Virginia
Wisconsin
Total

2,043,969

(1) Does not include the FAIR Plans of Arkansas, Hawaii and North Carolina.

32

(2) Citizens Property Insurance Corporation, which combined the FAIR and Beach Plans.
(3) The Mississippi and Texas FAIR Plans do not offer a commercial policy.
NA=Data not available.
Source: Property Insurance Plans Service Office (PIPSO).

33

CLAIMS/LOSSES BY LINE BY STATE - PROPERTY/CASUALTY
INCURRED LOSSES BY STATE, PROPERTY/CASUALTY INSURANCE, 2009 (1)
($000)
State

Incurred losses

Alabama

$4,405,891

Alaska

705,971

Arizona

5,039,322

Arkansas

2,789,325

California

28,682,010

Colorado

5,870,205

Connecticut

3,756,345

D.C.

1,767,212

Delaware

1,684,267

Florida

18,597,980

Georgia

10,362,554

Hawaii

772,361

Idaho

1,104,112

Illinois

13,358,136

Indiana

5,070,432

Iowa

3,097,059

Kansas

3,085,693

Kentucky

4,084,636

Louisiana

4,247,860

Maine

924,452

Maryland

5,255,720

Massachusetts

5,357,345

Michigan

11,168,047

Minnesota

5,139,470

Mississippi

2,077,502

Missouri

5,165,394

Montana

1,124,460

Nebraska

2,013,018

Nevada

2,458,551

New Hampshire

1,088,021

New Jersey

10,020,839

New Mexico

1,388,529

New York

25,336,523

North Carolina

6,744,096

North Dakota

801,587

34

Ohio

7,439,699

Oklahoma

4,510,073

Oregon

3,095,544

Pennsylvania

10,843,097

Rhode Island

995,586

South Carolina

3,461,098

South Dakota

913,488

Tennessee

4,958,879

Texas

21,774,583

Utah

1,791,058

Vermont

488,801

Virginia

5,950,200

Washington

5,436,302

West Virginia

1,626,006

Wisconsin

4,613,838

Wyoming

498,524

United States

$282,941,701

(1) Losses occurring within a fixed period whether or not adjusted or paid during the
same period, on a direct basis before reinsurance.
Source: SNL Financial LC.

35

INCURRED LOSSES BY STATE, PRIVATE PASSENGER AUTOMOBILE INSURANCE, 2009 (1)
($000)
State

Total incurred losses

Alabama

$1,383,545

Alaska

$229,229

Arizona

1,874,918

Arkansas

916,686

California

10,999,982

Colorado

1,803,734

Connecticut

1,427,885

D.C.

157,476

Delaware

417,703

Florida

8,437,605

Georgia

3,323,993

Hawaii

302,329

Idaho

352,901

Illinois

3,622,102

Indiana

1,735,551

Iowa

769,516

Kansas

892,914

Kentucky

1,509,196

Louisiana

1,929,164

Maine

313,699

Maryland

2,355,658

Massachusetts

2,323,814

Michigan

6,359,363

Minnesota

1,572,173

Mississippi

849,387

Missouri

1,716,942

Montana

287,538

Nebraska

533,760

Nevada

1,017,254

New Hampshire

373,282

New Jersey

4,304,740

New Mexico

602,968

New York

6,548,580

North Carolina

2,733,844

North Dakota

180,505

Ohio

2,906,043

Oklahoma

1,246,219

36

Oregon

1,214,399

Pennsylvania

4,367,498

Rhode Island

413,941

South Carolina

1,528,957

South Dakota

214,595

Tennessee

1,692,375

Texas

8,283,818

Utah

774,438

Vermont

167,635

Virginia

2,539,780

Washington

2,244,302

West Virginia

610,703

Wisconsin

1,300,391

Wyoming

182,196

United States

$103,847,226

(1) Losses occurring within a fixed period whether or not
adjusted or paid during the same period, on a direct basis
before reinsurance.
Source: SNL Financial LC.

37

INCURRED LOSSES BY STATE, HOMEOWNERS INSURANCE, 2009 (1)
($000)
State

Incurred losses

Alabama

$1,186,716

Alaska

$68,892

Arizona

550,776

Arkansas

648,221

California

2,218,837

Colorado

1,665,215

Connecticut

426,348

D.C.

58,157

Delaware

81,707

Florida

2,695,442

Georgia

2,814,124

Hawaii

56,463

Idaho

134,298

Illinois

1,713,755

Indiana

957,205

Iowa

319,769

Kansas

519,319

Kentucky

937,956

Louisiana

173,036

Maine

155,260

Maryland

598,728

Massachusetts

656,655

Michigan

1,458,632

Minnesota

704,341

Mississippi

342,437

Missouri

816,165

Montana

127,371

Nebraska

244,760

Nevada

174,456

New Hampshire

157,288

New Jersey

954,876

New Mexico

165,883

New York

1,695,691

North Carolina

1,001,454

North Dakota

57,013

Ohio

1,619,340

Oklahoma

1,198,492

38

Oregon

349,032

Pennsylvania

1,360,771

Rhode Island

102,959

South Carolina

547,927

South Dakota

103,426

Tennessee

1,109,993

Texas

3,642,231

Utah

183,730

Vermont

70,803

Virginia

730,301

Washington

738,924

West Virginia

218,360

Wisconsin

509,278

Wyoming

73,696

United States

$39,022,812

(1) Losses occurring within a fixed period whether or not adjusted or paid during the
same period, on a direct basis before reinsurance.
Source: SNL Financial LC.

39

INCURRED LOSSES BY STATE, COMMERCIAL LINES, 2009 (1)
($000)
Total incurred
losses

State
Alabama

$1,761,786

Alaska

$402,949

Arizona

2,572,598

Arkansas

1,195,220

California

14,197,778

Colorado

2,068,187

Connecticut

1,882,885

D.C.

1,480,762

Delaware

1,012,929

Florida

7,147,301

Georgia

4,042,945

Hawaii

405,621

Idaho

575,309

Illinois

7,741,747

Indiana

2,150,235

Iowa

1,866,628

Kansas

1,505,682

Kentucky

1,470,308

Louisiana

2,110,296

Maine

450,993

Maryland

2,255,380

Massachusetts

2,327,602

Michigan

3,190,375

Minnesota

2,719,922

Mississippi

842,446

Missouri

2,401,968

Montana

671,491

Nebraska

1,101,796

Nevada

1,254,499

New Hampshire

550,347

New Jersey

4,711,413

New Mexico

599,586

New York

15,719,444

North Carolina

2,923,885

North Dakota

518,042

Ohio

2,739,963

40

Oklahoma

1,922,424

Oregon

1,470,556

Pennsylvania

4,919,575

Rhode Island

448,594

South Carolina

1,349,297

South Dakota

523,759

Tennessee

2,005,459

Texas

9,428,906

Utah

790,605

Vermont

243,351

Virginia

2,602,300

Washington

2,346,060

West Virginia

771,452

Wisconsin

2,626,250

Wyoming

211,705

United States

$132,230,611

(1) Losses occurring within a fixed period
whether or not adjusted or paid during the
same period, on a direct basis before
reinsurance.
Source: SNL Financial LC.

41

INCURRED LOSSES BY STATE, WORKERS COMPENSATION, 2009 (1)
($000)
State

Incurred losses

Alabama

$210,865

Alaska

$145,921

Arizona

488,844

Arkansas

111,305

California

4,678,729

Colorado

447,401

Connecticut

498,053

D.C.

86,366

Delaware

116,021

Florida

970,420

Georgia

718,749

Hawaii

84,200

Idaho

92,010

Illinois

1,995,413

Indiana

350,062

Iowa

414,769

Kansas

252,206

Kentucky

401,413

Louisiana

477,995

Maine

145,976

Maryland

401,955

Massachusetts

593,626

Michigan

540,297

Minnesota

544,517

Mississippi

163,594

Missouri

411,267

Montana

111,667

Nebraska

200,564

Nevada

144,008

New Hampshire

185,057

New Jersey

1,276,657

New Mexico

162,751

New York

2,868,190

North Carolina

850,366

North Dakota

NA

Ohio

21,349

Oklahoma

370,624

42

Oregon

467,530

Pennsylvania

1,345,585

Rhode Island

104,462

South Carolina

388,353

South Dakota

91,206

Tennessee

469,241

Texas

1,009,735

Utah

220,846

Vermont

97,103

Virginia

479,182

Washington

37,031

West Virginia

275,348

Wisconsin

1,046,326

Wyoming

547

United States

$27,565,704

(1) Losses occurring within a fixed period whether or not adjusted or paid during the
same period, on a direct basis before reinsurance.
NA=Data not available.
Source: SNL Financial LC.

43

CLAIMS/LOSSES BY LINE BY STATE - LIFE/HEALTH
LIFE INSURANCE CLAIMS AND BENEFITS PAID BY STATE, 2009 (1)
($000)
State

Claims and benefits paid

Alabama

$4,936,933

Alaska

$620,687

Arizona

6,740,966

Arkansas

2,191,180

California

41,781,956

Colorado

6,293,627

Connecticut

16,182,062

D.C.

1,705,980

Delaware

10,275,358

Florida

25,191,445

Georgia

8,447,652

Hawaii

1,953,360

Idaho

1,459,957

Illinois

16,175,579

Indiana

7,031,993

Iowa

6,058,725

Kansas

3,419,561

Kentucky

3,422,080

Louisiana

4,317,581

Maine

1,470,232

Maryland

10,072,917

Massachusetts

12,322,392

Michigan

12,920,503

Minnesota

7,029,542

Mississippi

2,306,281

Missouri

6,979,799

Montana

792,553

Nebraska

2,421,391

Nevada

2,428,837

New Hampshire

1,824,912

New Jersey

16,906,629

New Mexico

2,067,945

New York

31,039,472

North Carolina

11,298,636

North Dakota

631,555

44

Ohio

14,921,891

Oklahoma

3,161,197

Oregon

4,173,204

Pennsylvania

18,055,614

Rhode Island

1,467,464

South Carolina

4,424,146

South Dakota

845,003

Tennessee

6,807,103

Texas

22,377,385

Utah

2,628,066

Vermont

775,396

Virginia

8,155,910

Washington

7,251,681

West Virginia

1,738,102

Wisconsin

6,811,566

Wyoming

498,020

United States

$394,812,027

(1) On a direct basis before reinsurance. Includes life insurance, death benefits,
matured endowments, annuity benefits and other life insurance benefits. Does
not include accident and health.
Source: SNL Financial LC.

45

VEHICLES BY STATE
PRIVATE PASSENGER CARS INSURED IN SHARED MARKETS AND VOLUNTARY MARKETS, 2007

State
Alabama

Voluntary

Shared
market

Total

Shared market
as a percent of
total

3,263,498

10

3,263,508

(1)

424,290

252

424,542

0.06%

Arizona

4,063,514

49

4,063,563

0.001

Arkansas

2,028,273

1

2,028,274

(1)

California

24,187,996

11,915

24,199,911

0.049

Colorado

3,588,408

3

3,588,411

(1)

Connecticut

2,421,935

958

2,422,893

0.04

Delaware

605,226

84

605,310

0.014

D.C.

223,379

943

224,322

0.42

Florida

11,250,398

21

11,250,419

(1)

Georgia

6,694,814

2

6,694,816

(1)

786,973

5,003

791,976

0.632

Idaho

1,187,889

51

1,187,940

0.004

Illinois

7,780,889

1,853

7,782,742

0.024

Indiana

4,370,136

5

4,370,141

(1)

Iowa

2,383,327

13

2,383,340

0.001

Kansas

2,324,407

1,477

2,325,884

0.064

Kentucky

2,970,884

281

2,971,165

0.009

Louisiana

2,787,136

38

2,787,174

0.001

Maine

1,022,473

58

1,022,531

0.006

Maryland

3,770,632

76,658

3,847,290

1.993

Massachusetts

3,999,112

177,402

4,176,514

4.248

Michigan

6,217,059

1,766

6,218,825

0.028

Minnesota

3,703,118

4

3,703,122

(1)

Mississippi

1,998,203

78

1,998,281

0.004

Missouri

4,151,162

85

4,151,247

0.002

Montana

772,037

265

772,302

0.034

Nebraska

1,492,287

8

1,492,295

0.001

Nevada

1,754,997

29

1,755,026

0.002

891,794

835

892,629

0.094

New Jersey

5,244,074

26,902

5,270,976

0.51

New Mexico

1,415,853

56

1,415,909

0.004

New York

9,154,980

112,518

9,267,498

1.214

North Carolina

5,470,099 1,506,510

6,976,609

21.594

580,290

0.001

Alaska

Hawaii

New Hampshire

North Dakota

580,287

3

46

Ohio

8,009,267

0

8,009,267

(1)

Oklahoma

2,713,011

87

2,713,098

0.003

Oregon

2,690,660

21

2,690,681

0.001

Pennsylvania

8,453,793

26,103

8,479,896

0.308

Rhode Island

657,417

17,203

674,620

2.55

3,233,090

1

3,233,091

(1)

664,233

0

664,233

(1)

4,149,908

38

4,149,946

0.001

NA

NA

NA

NA

1,764,823

1 (2)

1,764,822

(1)

473,219

754

473,973

0.159

Virginia

5,961,143

2,238

5,963,381

0.038

Washington

4,429,429

2

4,429,431

(1)

West Virginia

1,289,984

90

1,290,074

0.007

Wisconsin

3,664,374

1

3,664,375

(1)

490,907

0

490,907

(1)

183,626,797 1,972,673 185,599,470

1.06%

South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont

Wyoming
United States

(1) Less than 0.001 percent.
(2) Negative numbers represent vehicles owned by drivers who were rejected
or cancelled.
NA=Data not available.
Source: Automobile Insurance Plans Service Office.

47

HOMES BY STATE

The chart below shows the number of owned housing units by state. A 2006 Insurance Research
Council poll found that 96 percent homeowners had homeowners insurance while 43 percent of renters
had renters insurance.
OWNER OCCUPIED HOUSING BY STATE, 2006
(000)
State

Owner occupied housing by state

Alabama

1,289

Alaska

148

Arizona

1,523

Arkansas

753

California

7,102

Colorado

1,269

Connecticut

921

Delaware

238

D.C.

115

Florida

4,994

Georgia

2,285

Hawaii

258

Idaho

391

Illinois

3,301

Indiana

1,756

Iowa

886

Kansas

761

Kentucky

1,167

Louisiana

1,072

Maine

399

Maryland

1,450

Massachusetts

1,588

Michigan

2,908

Minnesota

1,558

Mississippi

760

Missouri

1,629

Montana

260

Nebraska

476

Nevada

581

New Hampshire

364

New Jersey

2,110

New Mexico

506

48

New York

3,941

North Carolina

2,351

North Dakota

182

Ohio

3,150

Oklahoma

950

Oregon

939

Pennsylvania

3,475

Rhode Island

255

South Carolina

1,165

South Dakota

216

Tennessee

1,660

Texas

5,291

Utah

586

Vermont

182

Virginia

2,030

Washington

1,620

West Virginia

555

Wisconsin

1,571

Wyoming

144

United States

75,086

Source: U.S. Census.

49

BUSINESSES BY STATE

Nearly 98 percent of businesses either purchase business insurance or self-insure, according to a poll by
the National Federation of Independent Businesses.
TOTAL FIRMS BY STATE, 2006 (1)
Firms by employment size of enterprise
State

Total

20+

100+

500+

Alabama

80,656

15.1%

5.2%

2.8%

Alaska

16,713

12.0

5.0

3.2

Arizona

110,401

14.8

5.2

2.6

Arkansas

53,491

13.9

5.2

3.0

California

723,880

11.9

2.6

0.8

Colorado

129,861

11.8

4.2

2.2

Connecticut

77,637

14.6

5.0

2.6

Delaware

21,140

18.9

9.7

6.5

D.C.

17,069

24.6

12.2

6.9

Florida

430,429

9.2

2.6

1.0

Georgia

181,300

13.3

4.4

2.1

Hawaii

26,723

15.4

5.7

3.1

Idaho

39,664

12.2

4.4

2.7

Illinois

262,870

13.4

4.0

1.6

Indiana

118,159

15.2

5.0

2.4

Iowa

65,829

14.3

4.9

2.6

Kansas

61,902

15.1

5.6

3.1

Kentucky

72,992

15.7

5.6

3.0

Louisiana

81,421

15.0

4.9

2.5

Maine

35,687

12.1

4.5

2.6

Maryland

115,149

14.5

4.7

2.3

Massachusetts

144,873

13.7

4.4

2.0

Michigan

190,411

13.1

3.7

1.6

Minnesota

124,237

13.9

4.2

2.0

Mississippi

48,011

14.7

5.6

3.3

Missouri

124,120

14.0

4.5

2.2

Montana

32,251

10.5

3.6

2.2

Nebraska

42,649

14.4

5.4

3.2

Nevada

50,657

16.9

7.4

4.1

New Hampshire

33,228

15.3

5.7

3.4

New Jersey

208,465

11.7

3.4

1.5

New Mexico

37,871

15.8

6.2

3.8

444,728

10.3

2.6

0.9

New York

50

North Carolina

176,815

13.3

4.1

1.9

North Dakota

17,872

15.2

6.0

3.5

207,768

14.9

4.2

1.8

Oklahoma

72,863

13.6

4.7

2.6

Oregon

92,695

12.7

4.2

2.2

Pennsylvania

240,636

13.9

3.9

1.6

Rhode Island

26,691

14.7

5.7

3.5

South Carolina

83,945

14.2

4.9

2.7

South Dakota

21,925

14.0

5.5

3.2

Tennessee

103,559

15.7

5.5

2.9

Texas

391,527

13.2

3.5

1.3

Utah

58,463

13.6

5.1

3.0

Vermont

19,558

13.1

5.0

3.2

Virginia

156,240

13.9

4.4

2.1

Washington

150,604

12.1

3.8

1.8

32,334

14.9

5.9

3.6

Wisconsin

117,917

15.0

4.4

2.0

Wyoming

17,749

12.9

5.4

3.4

6,022,127

10.7%

1.8%

0.3%

Ohio

West Virginia

United States

(1) These percentages are not designed to add to 100%, since "100
+" is a subset of "20 +", and "500 +" is a subset of the other two
categories.
Source: U.S. Department of Commerce.

51

CALIFORNIA STATE INSURANCE ORGANIZATIONS
CALIFORNIA - DEPARTMENT OF INSURANCE
300 South Spring Street, South Tower
Los Angeles, CA 90013 United States
Phone: 213-897-8921
Web Address: http://www.insurance.ca.gov
Description: Steve Poizner, Commissioner of Insurance

ASSOCIATION OF CALIFORNIA INSURANCE COMPANIES
1415 L Street, Suite 670
Sacramento, California 95814-3972
Key Executive: Samuel Sorich
Chief Communications Officer: Bill Packer
Phone: 916-449-1370
Fax: 916-449-1378
E-mail Address: [email protected]
Web Address: http://www.acicnet.org
Membership: Domestic & Non-Domestic Property/Casualty Companies
Operations: Lobbying

ASSOCIATION OF CALIFORNIA LIFE AND HEALTH INSURANCE COMPANIES
1201 K Street, Suite 1820
Sacramento, California 95814
Key Executive: Brad Wenger
Phone: 916-442-3648
Fax: 916-442-1730
E-mail Address: [email protected]
Web Address: http://www.aclhic.com
Membership: Domestic & Non-Domestic Life and Health Insurance Companies
Operations: Lobbying

INSURANCE BROKERS & AGENTS OF THE WEST (IBA WEST)
7041 Koll Center Parkway, Suite 290
Pleasanton, California 94566
Key Executive: Clark Payan
Chief Communications Officer: David Benesh
Phone: 800-772-8998 or 925-426-3300
Fax: 925-484-6014
E-mail Address: [email protected];
Web Address: http://www.ibawest.com
Operations: Lobbying

52

INSURANCE INFORMATION NETWORK OF CALIFORNIA (IINC)
900 Wilshire Blvd., Suite 1414
Los Angeles, California 90017
Key Executive: Candysse Miller
Chief Communications Officer: Candysse Miller
Phone: 213-624-IINC
Fax: 213-624-4432
E-mail Address: [email protected]
Web Address: http://www.iinc.org
Twitter: http://www.twitter.com/iinc
Membership: Domestic & Non-Domestic Property/Casualty Companies
Operations: Media and Public Relations

NATIONAL ASSOCIATION OF INSURANCE AND FINANCIAL ADVISORS - CALIFORNIA
(NAIFA – CALIFORNIA)
1451 River Park Drive, Suite 175
Sacramento, California 95815-4520
Key Executive: David V. Dellinger
Chief Communications Officer: Carol J. Nicolaysen
Phone: 916-646-8600
Fax: 916-646-8130
E-mail Address: [email protected]
Web Address: http://www.naifacalifornia.org

PACIFIC ASSOCIATION OF DOMESTIC INSURANCE COMPANIES (PADIC)
1940 Burlin Way
Auburn, California 95603
Key Executive: Milo Pearson
Phone: 530-888-6045
Fax: 530-888-6435
E-mail Address: [email protected]; [email protected];
Web Address: http://www.padic.org

PERSONAL INSURANCE FEDERATION OF CALIFORNIA
1201 K Street, Suite 1220
Sacramento, California 95814
Key Executive: Rex Frazier
Chief Communications Officer: Dan Edwards
Phone: 916-442-6646
Fax: 916-446-9548
E-mail Address: [email protected] ; [email protected]
Internet Address: http://www.pifc.org
Membership: Domestic & Non-Domestic Personal Lines Property/Casualty Companies
Operations: Lobbying, Government Affairs and Public Relations

53

SURPLUS LINE ASSOCIATION OF CALIFORNIA (STAMPING OFFICE)
50 California Street, 18th Fl.
San Francisco, California 94111
Executive Director: Theodore M. Pierce
Director of Stamping Office: Joy Erven
Phone: 415-434-4900
Fax: 415-434-3716
E-mail Address: [email protected]
Web Address: http://www.slacal.org

WESTERN INSURANCE AGENTS ASSOCIATION (WIAA)
(Serving Arizona, California, Nevada and New Mexico)
11190 Sun Center Drive, Suite 100
Rancho Cordova, California 95670
Chief Communications Officer: Nancy Garafano
Phone: 916-443-4221; 800-553-4221
Fax: 916-443-5559
E-mail Address: [email protected]
Web Address: http://www.wiaagroup.org

54