Underwriting expense ratio of P/C insurance in the U.S. 2009-2015

In 2015, the predicted underwriting expense ratio of property and casualty insurance in the United States was 27.5 percent.

Expense ratio

The expense ratio in the insurance industry calculates the profitability. It divides the expenses associated with servicing premiums by the net premiums that are earned by the company. Some examples of expenses include advertising, employee salaries, and sales commission. There are two methods that companies can use to compute their expense ratio, either statutory accounting or Generally Accepted Accounting Principles. The underwriting expense ratio specifically is the amount of a company’s net premiums that were devoted to the underwriting costs, such as agent and broker commissions, government taxes, salaries, and employee benefits. It demonstrates how efficient a business is to investors.

Property and casualty insurance market

The leading mutual property/casualty insurance company in the United States in 2017 by revenue was State Farm. In 2015, commercial auto insurance had the highest combined ratio of property and casualty insurance in the United States. Additionally, the net premium written by property and casualty insurance in the United States was expected to grow 2.9 percent in 2015.

Underwriting expense ratio of property/casualty insurance in the United States from 2009 to 2015

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Release date

February 2015


United States

Survey time period

2009 to 2013

Supplementary notes

Mortgage and financial guaranty segments are excluded.

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Statistics on "Property and casualty insurance in the United States"

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