2023 LA Marketplace Report

Independent insurance agents & Brokers of Louisiana

Louisiana Marketplace report 2024 Louisiana Annual P&C Marketplace Report

Prepared by Ben Albright President & CEO

Louisiana Marketplace Report

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Introduction & Purpose

You are being provided this 2024 Louisiana Annual P&C Marketplace Summary covering the Louisiana property and casualty (P&C) insurance marketplace as a benefit of your membership in the Independent Insurance Agents & Brokers of Louisiana.

What follows is a graphic and numeric presentation of the Louisiana P&C industry data from an Independent Agent’s perspective. The 2023 data used is the most recently available from A.M. Best Company and includes all 50 states and the District of Columbia (equaling the 51 entities referred to in the data in this report). The 2024 United States Annual P&C Marketplace Summary is also available to you as members of the Independent Insurance Agents & Brokers of Louisiana at www.independentagent.com.

This Summary emphasizes direct premiums, direct losses, and the associated direct underwriting results before reinsurance. Also included is data from nearly 3,000 insurers that are domiciled in the United States, and if they have written premiums in Louisiana then their data is incorporated. As Independent Agents, this is the marketplace experience for the business we place (or compete against) for our clients in Louisiana.

This 2024 Louisiana Annual P&C Marketplace Summary provides you with the following important information on the Louisiana P&C marketplace: Premiums for all 32 P&C lines of business in Louisiana The Top 10 lines of business for Independent Agents Premium Growth Rates Loss Ratios Distribution Style penetration rates and trends Commission rates Surplus Lines utilization rates Lists of the largest insurers for each of the top Lines of Business Largest/highest and smallest/lowest state specific data To enhance your understanding, this Summary includes four instructive Appendices: Distribution Style Classifications, NAIC Line of Business Definitions, Line of Business Facts-A Visual Reference, and a Louisiana All Active Insurers List. This last appendix is a new and valuable resource this year, as it allows you to quickly see basic information on any insurer operating in the Louisiana P&C marketplace.

Table of Contents Louisiana P&C Marketplace Executive Summary Louisiana Premiums: All 32 P&C Lines of Business Louisiana Top 10 Independent Agent Lines of Business Louisiana Loss Ratios Louisiana Premium Change Louisiana Independent Agent Penetration Rates Louisiana Commission Rates Louisiana Surplus Lines Louisiana Line of Business In-Depth Detail Pages Total All P&C Lines of Business Aircraft (all perils) All Commercial Auto All Private Passenger Auto Allied Perils Only Boiler & Machinery Burglary & Theft Commercial Multi-Peril Earthquake Excess Workers’ Comp Farmowners Multi-Peril Federal Flood Fidelity Fire Peril Only Homeowners Inland Marine International Medical Malpractice Multi-Peril Crop Ocean Marine Other Liability (Claims-made) Other Liability (Occurrence) Private Crop Private Flood Products Liability Surety Workers' Compensation Appendix #1: Distribution Style Classifications Appendix #2: NAIC Line of Business Definitions Appendix #3: Line of Business Facts—A Visual Reference Appendix #4: Louisiana All Active Insurers List

3 5 8 10 12 14 17 19 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 53 56 57

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Louisiana P&C Marketplace Executive Summary Premiums Overall In 2023, Louisiana P&C premiums reached $16.8 billion, ranking Louisiana 20 of 51 in total premiums in the United States. That is 1.8% out of $953 Billion in premiums nationwide. On a relative comparative basis, per capita premiums rank Louisiana 7 of 51 for all P&C premiums combined, 3 of 51 for Personal Lines, 14 of 51 for Commercial Lines, and 26 of 51 for Agricultural Lines.

Lines of Business In Louisiana the largest Line of Business for independent agents was Homeowners Multi-Peril (as determined by direct written premium). The second largest Line of Business in Louisiana was All Private Passenger Auto, and the third was Allied Perils Only. For comparison, in the United States those Top 3 Lines of Business are: All Private Passenger Auto, Homeowners Multi-Peril, and Other Liability (Occurrence).

Loss Ratios Louisiana's average loss ratio across all P&C Lines of Business was 56.3%, with the highest loss ratios experienced in Private Crop (272.6%), Multi-Peril Crop (119.2%), and Aircraft (all perils) (113.6%). Comparatively, the United States average loss ratio was 65.9%, with the highest loss ratio in Hawaii (140.5%), and the lowest in District of Columbia (43.4%). In the United States, the Lines of Business with the highest loss ratios are Multi-Peril Crop (102.2%), Private Crop (98.8%), and Farmowners Multi-Peril (79.0%).

Premium Change Rates Premiums grew 13.7% in Louisiana from 2022 to 2023 for all P&C Lines of Business combined, placing it 6 of 51 in the United States and District of Columbia. The fastest growing Lines of Business in Louisiana are Burglary & Theft (56.1%), Private Crop (53.5%), and Allied Perils Only (36.3%). By comparison the United States grew by 10.6%, with the fastest growing state being Florida (16.1%), and the slowest being District of Columbia (3.4%). The United States fastest growing Lines of Business are Fire Peril Only (29.9%), Allied Perils Only (27.0%), and Earthquake (16.7%).

Independent Agent Penetration of Marketplace Independent Agents control 60.4% of the Louisiana P&C marketplace. This compares to the United States average of 62.2%, with the highest penetration in Massachusetts (79.6%), and the lowest in Alabama (51.6%). In Louisiana, the top penetration rates by Lines of Business for Independent Agents are: Multi-Peril Crop (100.0%), Private Crop (100.0%), and International (100.0%). In the United States, top penetration rates by Lines of Business for Independent Agents are: International (100.0%), Ocean Marine (96.5%), and Burglary & Theft (96.3%).

Commissions The average commission rate in Louisiana was 11.5% for all P&C Lines of Business combined. By contrast, the average commission rate in the United States was 11.4%. The highest average commission was in the District of Columbia (13.8%) with the lowest in Delaware (9.9%).

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Surplus Lines Surplus Lines utilization is on the rise across all states. In Louisiana, the average percentage of premiums going to UNLICENSED insurers (that is, Surplus Lines) was 13.3%. That percentage was 13.1% one year ago, and 9.3% five years ago. In the United States the corresponding figures are 9.3%, 9.0%, and 6.2%, respectively. In Louisiana, the top 3 Lines of Business with premiums going to Surplus Lines insurers are: Earthquake (65.2%), Fire Peril Only (52.8%), and Products Liability (52.7%). In United States, the top 3 Lines of Business with premiums going to Surplus Lines insurers are: Earthquake (50.8%), Private Flood (46.2%), and Products Liability (42.1%).

Largest Insurers State Farm Group (G) was the largest insurer group in Louisiana, and it writes 15.4% of all P&C premiums.

Progressive Security Insurance Company emerges as the largest pure Independent Agent policy-issuing insurer, State Farm Mutual Automobile Ins Co as the largest Exclusive-Captive policy-issuing insurer, and Progressive Paloverde Insurance Company as the largest Direct policy-issuing insurer.

Louisiana Marketplace Report

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Louisiana Premiums All 32 P&C Lines of Business The below chart, Louisiana Premiums: By Line of Business, lists the Line of Business and then shows 2023 total premiums for all 32 P&C Lines of Business that P&C insurers are required to report on in their annual statement to regulators. The Lines of Business are listed in alphabetical order, both below and in most of the subsequent tables, charts, and graphs in this Summary. Of the 32 lines, 26 Lines of Business are primarily focused on by Independent Agents, emphasized below with an asterisk (*). As Independent Agents are the target audience of this Summary, the 26 Lines of Business are emphasized throughout the remainder of it.

Louisiana Premiums: By Line of Business

A.M. Best Company — Used

by Permission; US Census Bureau Source: © A.M. Best CompanySource: — used by©permission.

(Note: Independent Agent-focused lines of business are designated by an asterisk (*)).

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The below table, Louisiana: All Lines of Business Additional Details, provides further data on Louisiana Premiums, Loss Ratios, Premium Growth rates, and Penetration rates by Independent Agents for these 32 P&C lines of business.

Louisiana Top 10 Independent Agent Lines of Business All Direct Written Premium

1-Year Loss Ratio

5-Year Loss Ratio

1-Year Growth

5-Year Growth

1-Year Penetration

5-Year Penetration

Accident & Health Aggregate Write-ins Aircraft (all perils) All Commercial Auto All Private Passenger Auto Allied Perils Only Boiler & Machinery Burglary & Theft Commercial Multi-Peril Credit Earthquake Excess Workers' Comp Farmowners Multi-Peril Federal Flood Fidelity Financial Guaranty Fire Peril Only Homeowners Multi-Peril Inland Marine International Medical Malpractice Mortgage Guaranty Multi-Peril Crop Ocean Marine Other Liability (Claims-made) Other Liability (Occurrence) Private Crop Private Flood Products Liability Surety Warranty Workers' Compensation

92,890,000 19,736,000 50,203,000 1,134,348,000 5,479,982,000 1,259,089,000 56,950,000 9,172,000 816,550,000 36,811,000 9,826,000 61,017,000 17,006,000 274,486,000 13,594,000 253,000 720,782,000 3,007,509,000 589,764,000 3,000 117,168,000 60,865,000 188,087,000 178,894,000 315,445,000 1,158,714,000 8,449,000 34,070,000 62,726,000 175,709,000 7,081,000 885,108,000

91% 69% 114% 78% 66% 23% 21% 4% 53% 30% 6% 20% 65% 1% 25% 0% 65% 46% 41% 33% 23% -2% 119% 86% 53% 73% 273% 3% 2% 39% 95% 37%

70% 71% 74% 81% 68% 179% 65% 28% 142% 47% 4% 33% 116% 71% 30% -20% 153% 150% 57% -320% 21% 10% 121% 84% 45% 65% 220% 22% 55% 24% 89% 48%

6% 6% -1% 8% 10% 36% 7% 56% 17% 11% 27% 4% 6% 6% -7% -77% 25% 22% 1% 0% 1% -4% 22% 4% 5% 14% 54% 18% 18% 15% 3% 1%

6% -4% 5% 8% 3% 29% 9% 7% 12% -1% 15% 1% 2% 2% 0% -48% 18% 11% 6% N/A 4% -1% 23% 5% 9% 11% 16% 23% 7% 10% 2% 2%

61% 38% 99% 75% 26% 91% 96% 88% 81% 82% 86% 94% 35% 74% 84% 0% 93% 52% 78% 100% 88% 18% 100% 96% 96% 89% 100% 85% 96% 87% 43% 95%

60% 38% 98% 77% 25% 87% 96% 82% 80% 78% 82% 97% 37% 73% 85% 0% 87% 40% 78% 100% 91% 19% 100% 96% 95% 88% 100% 79% 96% 88% 54% 95%

Total (All Lines)

16,842,289,000

56%

91%

14%

8%

60%

56%

All P-C Lines of Business

Source: © A.M. Best Company — used by permission. (Note: Independent Agent-focused Lines of Business are bold and underlined)

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Louisiana All Lines of Business Total Premium Comparisons

The table below, Total and Per Capita Premiums, compares Louisiana P&C premiums to the United States both in total, and on a per capita basis.Per capita premiums are provided to give a relative sense of the cost of premiums, but also allows comparing premiums state to state. For insights, per capita premiums are provided for the following groupings of Lines of Business: Total (All Lines of Business Combined), Personal Lines of Business, Commercial Lines of Business, and Agricultural Lines of Business.

The definition of Total, Personal, Commercial, and Agricultural Lines of Business are as follows: Total (All Lines of Business Combined) includes premiums for all 32 P&C Lines of Business.

Personal Lines includes All Private Passenger Auto, and Homeowners Multi-Peril.

Commercial Lines includes All Commercial Auto, Commercial Multi-Peril, Other Liability (Claims-Made), Other Liability (Occurrence), Products Liability, and Workers’ Compensation.

Agricultural Lines include Farmowners Multi-Peril, Multi-Peril Crop, and Private Crop.

In this table, total and per capita premiums are provided for each Line of Business grouping. Also provided is the largest/highest state and the smallest/lowest state for either total premiums, or per capita premiums.

Note: The most recent population estimate from the United Census Bureau is the basis for the per capita comparative premium figures.

Total and Per Capita Premiums Louisiana (Rank)

United States (Average State)

Largest/Highest State

Smallest/Lowest State

$16.8 billion

$953,042,560,000 ($18.7 billion)

California ($112.3 billion)

Vermont ($1.6 billion)

Total (All Lines) Per Capita Premium

$3,682 (Rank is 7 of 51)

$2,846

North Dakota ($4,877)

Ohio ($1,985)

Personal Lines Per Capita Premium

$1856 (Rank is 3 of 51)

$1,403

Florida ($2,111)

District of Columbia ($964)

Commercial Lines Per Capita Premium

$956 (Rank is 14 of 51)

$899

District of Columbia ($1,756)

Ohio ($543)

Agricultural Lines Per Capita Premium

$47 (Rank is 26 of 51)

$77

North Dakota ($2,278)

District of Columbia ($0)

Groupings of Premiums Total (All Lines) Premiums

Source: © A.M. Best Company — used by permission, and United States Census Bureau, Population Division and Annual Estimates of Resident Population (Release Date: December 2023)

Louisiana Marketplace Report

Louisiana Top 10 Lines of Business

United States Top 10 Lines of Business

Source: © A.M. Best Company — used by permission

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Louisiana Marketplace Report

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Top 10 Independent Agent Lines of Business Premium Comparison The table below, Top 10 Lines of Business Premium Rankings, compares annual premium rankings for all 32 P&C Lines of Business (LOB). Shown under the column heading “Louisiana LOB Ranking” are the top 10 Lines of Business in terms of premiums for Louisiana in 2023. Shown under the column heading “United States LOB Ranking” are the top 10 Lines of Business in terms of premiums nationwide in 2023.

The column heading “Percent of Time #1 LOB (All States),” shows that the #1 Line of Business for the United States in 2023 was also the top Line of Business in most individual states. Specifically, Private Passenger Auto was the number one Line of Business in 67% of all states, meaning it was #1 in 34 of the 51 states and District of Columbia.

The last column, “Percent of Time in Top 10 LOB (All States),” shows the frequency of each Line of Business in any state’s Top 10 Lines of Business. For example, Private Passenger Auto, Commercial MultiPeril, and Homeowners Multi-Peril were in every state’s Top 10 Lines of Business (100%), but Aircraft was in the Top 10 only once (2%), Medical Malpractice was in the Top 10 three-times (6%), and so on.

Top 10 Lines of Business Premium Rankings

Lines of Business Accident & Health Aggregate Write-ins Aircraft (all perils) All Commercial Auto All Private Passenger Auto Allied Perils Only Boiler & Machinery Burglary & Theft Commercial Multi-Peril Credit Earthquake Excess Workers' Comp Farmowners Multi-Peril Federal Flood Fidelity Financial Guaranty Fire Peril Only Homeowners Multi-Peril Inland Marine International Medical Malpractice Mortgage Guaranty Multi-Peril Crop Ocean Marine Other Liability (Claims-made) Other Liability (Occurrence) Private Crop Private Flood Products Liability Surety Warranty Workers' Compensation

Louisiana LOB Ranking

United States LOB Ranking

#5-LOB #2-LOB #3-LOB

#4-LOB #1-LOB #10-LOB

#8-LOB

#6-LOB

#7-LOB #1-LOB #9-LOB

#9-LOB #2-LOB #8-LOB

Percent of Time #1 LOB (All States)

67%

6%

12% #10-LOB #4-LOB

#7-LOB #3-LOB

2% 8%

#6-LOB

#5-LOB

6%

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Louisiana Loss Ratios

The below bar chart, Louisiana 1-Year and 5-Year Average Loss Ratios by Line of Business, shows Loss Ratios for the 26 P&C Lines of Business focused on by Independent Agents. These 26 Lines of Business were previously highlighted earlier in this Summary. The 1-Year Loss Ratio is for 2023. The 5-Year Loss Ratio is the average Loss Ratio for 2019 to 2023.

Notes: International and Excess Workers’ Compensation are not shown due to extreme values and low premiums (that data is available in the Louisiana Line of Business Data In-Depth Details Pages. And, after the bar chart is a definition of “Loss Ratios,” and the formula for how loss ratios are calculated.

Louisiana 1-year and 5-year Loss Ratios by Line of Business

Source: © A.M. Best Company — used by permission.

Loss Ratios Defined Loss Ratios are calculated as “adjusted calendar year loss ratios.” The losses used in the ratio of losses to earned premiums equals the paid losses that year, plus any estimates of future losses that will be paid from claims that year (new reserves), plus any changes in reserves from previous years made that year (prior reserves).The "adjusted" part is if dividends are paid out under a Line of Business, then the Loss Ratio is adjusted for that cost. Where dividends are a factor (for example, workers’ compensation), it is important to include them whenever Loss Ratios of different Lines of Business are compared.

Adjusted Calendar Year Loss Ratio =

Paid Losses + New Reserves + Changes in Prior Reserves Earned Premiums - Policy Dividends

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Loss Ratio Comparisons

The table below, Lines of Business Loss Ratios, compares the 1-year and 5-year average Loss Ratios in Louisiana, and then the United States, by Line of Business, and for all lines combined, to the range in loss ratios for the 50 states and the District of Columbia. The Lines of Business are those 26 focused Lines of Business focused on by Independent Agents.

Note: individual state loss ratios can and do vary considerably, especially with low premiums in a state, and/or an individual Line of Business. Also, negative loss ratios are possible if there are prior year claim reserve reductions impacting loss ratios.

Line of Business Loss Ratios Louisiana United States Highest State Lowest State Line of Business Loss Ratios 1-Yr | 5-Yr 1-Yr | 5-Yr (1-Yr) (1-Yr) All Lines of Business 56.3% | 91.3% 65.9% | 63.7% 140.5% (Hawaii) 43.4% (District of Columbia) Aircraft (all perils) 113.6% | 74.3% 48.1% | 57.0% 291.8% (New Jersey) -17.9% (Connecticut) All Commercial Auto 77.8% | 80.8% 74.2% | 68.9% 93.5% (Nevada) 47.2% (Hawaii) All Private Passenger Auto 66.4% | 68.0% 75.7% | 69.9% 88.2% (Nevada) 61.5% (Montana) Allied Perils Only 23.2% | 178.7% 50.5% | 69.5% 183.8% (Arkansas) 2.7% (District of Columbia) Boiler & Machinery 21.3% | 65.5% 35.2% | 39.6% 157.6% (Alabama) -48.4% (Tennessee) Burglary & Theft 3.8% | 27.6% 31.4% | 45.6% 82.7% (Indiana) -17.2% (Kentucky) Commercial Multi-Peril 53.2% | 142.2% 61.5% | 60.0% 276.4% (Hawaii) 26.9% (Delaware) Earthquake 6.2% | 4.2% 0.3% | 1.6% 8.6% (Hawaii) -9.3% (New Jersey) Excess Workers' Comp 19.7% | 33.3% 14.9% | 44.2% 140.0% (Wyoming) -500.0% (North Dakota) Farmowners Multi-Peril 65.1% | 116.3% 79.0% | 70.3% 171.0% (Kentucky) 15.5% (Rhode Island) Federal Flood 1.0% | 70.9% 59.6% | 58.4% 930.0% (Vermont) 1.0% (Louisiana) Fidelity 25.2% | 30.4% 34.4% | 34.1% 124.3% (Minnesota) -14.4% (Vermont) Fire Peril Only 65.1% | 152.9% 45.7% | 58.1% 401.9% (Hawaii) 11.9% (Wyoming) Homeowners Multi-Peril 46.3% | 150.3% 70.8% | 67.8% 390.9% (Hawaii) 40.0% (Florida) Inland Marine 40.5% | 56.6% 44.2% | 50.3% 59.7% (Alabama) 20.1% (District of Columbia) International 33.3% | -320.0% 146.3% | 93.8% 635.4% (Massachusetts) -800.0% (Nevada) Medical Malpractice 23.5% | 20.6% 55.8% | 56.2% 195.5% (New Mexico) 14.1% (Wyoming) Multi-Peril Crop 119.2% | 121.3% 102.2% | 92.2% 200.2% (New Hampshire) 19.9% (Indiana) Ocean Marine 86.0% | 84.3% 48.1% | 56.1% 113.2% (Arkansas) 5.8% (West Virginia) Other Liability (Claims-made) 53.2% | 44.6% 50.8% | 53.3% 79.0% (Vermont) 23.2% (Wyoming) Other Liability (Occurrence) 72.6% | 64.7% 71.1% | 67.5% 139.3% (Delaware) 26.9% (Montana) Private Crop 272.6% | 220.1% 98.8% | 97.1% 272.6% (Louisiana) -7.5% (Oregon) Private Flood 2.7% | 21.7% 6.3% | 35.7% 1317.7% (Vermont) -31.8% (New Jersey) Products Liability 2.2% | 55.5% 53.7% | 50.0% 147.2% (Pennsylvania) -13.0% (Delaware) Surety 38.7% | 24.4% 23.1% | 18.9% 57.9% (New York) -11.0% (Maine) Workers' Compensation 37.2% | 48.1% 46.1% | 47.9% 78.3% (Oregon) 16.7% (Washington)

Source: © A.M. Best Company — used by permission.

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Louisiana Premium Change The below bar chart, Louisiana 1-Year and 5-Year Premium Changes, shows the percentage change in direct written premiums for the 26 different P&C Lines of Business focused on by Independent Agents. The 1-Year growth rate is the percentage change in premiums from 2022 to 2023. The 5-Year growth rate is the percentage that results when the premiums from the first year equal the most recent year, when the percentage is applied annually.

Note: International is not shown as there is less than 5 years data available.

Louisiana 1-Year and 5-Year Premium Changes

Source: © A.M. Best Company — used by permission. (International not shown, as less than 5 years data is available)

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Average Premium Change Comparisons The table below, Line of Business Premium Change compares the 1-year and 5-year average premium change in Louisiana to the range of premium changes in the United States and across the 50 states and the District of Columbia.

Line of Business Premium Change Louisiana United States Highest State Lowest State Line of Business Premium Change 1-Yr | 5-Yr 1-Yr | 5-Yr (1-Yr) (1-Yr) Total (All Lines) 13.7% | 7.8% 10.6% | 8.0% 16.1% (Florida) 3.4% (District of Columbia) Aircraft (all perils) -1.3% | 5.0% 7.8% | 12.4% 42.7% (District of Columbia) -32.1% (Massachusetts) All Commercial Auto 7.9% | 8.2% 7.2% | 9.1% 17.4% (Florida) -11.3% (District of Columbia) All Private Passenger Auto 10.4% | 2.9% 14.5% | 5.8% 20.6% (Texas) 5.8% (Hawaii) Allied Perils Only 36.3% | 28.6% 27.0% | 18.5% 40.4% (Florida) 0.5% (District of Columbia) Boiler & Machinery 7.4% | 9.2% 13.4% | 11.4% 32.1% (Tennessee) -9.7% (Alaska) Burglary & Theft 56.1% | 7.5% 5.1% | 7.7% 56.1% (Louisiana) -18.5% (South Dakota) Commercial Multi-Peril 17.4% | 12.4% 12.4% | 8.9% 34.3% (Florida) 6.0% (Alaska) Earthquake 27.3% | 15.3% 16.7% | 13.8% 87.6% (New Hampshire) -14.9% (New Jersey) Excess Workers' Comp 4.0% | 1.4% 3.3% | 3.2% 40.0% (North Dakota) -255.4% (Wyoming) Farmowners Multi-Peril 5.8% | 2.1% 9.7% | 6.4% 36.0% (Mississippi) 0.6% (California) Federal Flood 5.8% | 2.0% 13.0% | 1.4% 120.7% (Utah) -5.5% (Alaska) Fidelity -7.1% | 0.3% -0.2% | 3.5% 18.5% (South Dakota) -10.5% (Nebraska) Fire Peril Only 24.5% | 17.9% 29.9% | 18.6% 55.5% (Nebraska) 9.2% (North Dakota) Homeowners Multi-Peril 22.0% | 11.3% 14.1% | 10.0% 22.0% (Utah) 7.0% (West Virginia) Inland Marine 1.1% | 6.5% 6.9% | 8.3% 18.6% (Florida) 1.0% (Washington) International 0.0% | N/A -204.5% | N/A 436.4% (New Jersey) 0.0% (Alaska) Medical Malpractice 0.9% | 3.5% 2.8% | 5.8% 30.8% (Nebraska) -20.8% (North Dakota) Multi-Peril Crop 21.8% | 22.7% -3.4% | 16.9% 126.7% (Nevada) -33.8% (Alaska) Ocean Marine 4.1% | 5.2% 10.6% | 10.9% 45.9% (Washington) -19.8% (Mississippi) Other Liability (Claims-made) 5.1% | 9.2% -5.9% | 11.6% 22.6% (Vermont) -18.1% (District of Columbia) Other Liability (Occurrence) 14.0% | 11.0% 5.9% | 10.6% 26.9% (Delaware) -20.4% (Florida) Private Crop 53.5% | 16.1% 4.4% | 8.6% 800.0% (Connecticut) -72.0% (Nevada) Private Flood 17.8% | 23.5% 10.5% | 27.3% 61.7% (Utah) -16.5% (New Mexico) Products Liability 18.1% | 7.3% 6.5% | 6.1% 35.1% (New Mexico) -11.1% (District of Columbia) Surety 15.2% | 10.1% 10.7% | 7.9% 41.7% (Delaware) -14.5% (South Dakota) Workers' Compensation 1.2% | 1.7% 2.3% | 1.1% 17.7% (North Dakota) -15.1% (Idaho)

Source: © A.M. Best Company — used by permission.

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Louisiana Independent Agent Penetration Rates

The clustered bar chart below, Louisiana Top 10 Lines of Business and 5-Year Penetration Rates, shows 5 years of penetration rates, from 2019 to 2023, for the top 10 Lines of Business written through Independent Agents in Louisiana. The clustered bars are organized by the rank-order of premiums of each Line of Business. The final cluster of bars labeled Total (IA-Focused Lines) is the trend for the 26 P&C Lines of Business focused on by Independent Agents.

Note:After the bar chart is a definition of “Independent Agent Penetration Rates,” and the formula for how penetration rates are calculated.

Louisiana Top 10 Lines of Business and 5-Year Penetration Rates

Source: © A.M. Best Company — used by permission.

Independent Agent Penetration Rates Defined Independent Agent penetrations are estimated based on premiums of insurers using Independent Agents either directly, or in combination with other Distribution Styles (like Managing General Agents). For further information Appendix #1: Distribution Style Classifications gives a detailed explanation of the classification of insurers into Distribution Styles, based on insurer reported Marketing Types.

Independent Agent Penetration =

Independent Agent Written Premium by Line of Business All Written Premium by Line of Business

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Independent Agent Penetration Comparisons by Line of Business The table below, Line of Business Penetration Rates, shows the 1-year and 5-year average Independent Agent penetration rates for Louisiana, as compared to the range of Independent Agent penetration rates across the 50 states and the District of Columbia.

Line of Business Penetration Rates Louisiana United States Highest State Lowest State Line of Business Penetration Rates 1-Yr | 5-Yr 1-Yr | 5-Yr (1-Yr) (1-Yr) Total (IA-Focused Lines) 60.4% | 56.4% 62.2% | 61.0% 79.6% (Massachusetts) 51.6% (Alabama) Aircraft (all perils) 98.6% | 98.3% 95.5% | 94.5% 99.4% (Delaware) 86.4% (Maine) All Commercial Auto 75.3% | 77.4% 85.0% | 84.4% 92.7% (Massachusetts) 63.8% (District of Columbia) All Private Passenger Auto 25.9% | 25.4% 32.8% | 31.8% 61.8% (Massachusetts) 10.2% (Alaska) Allied Perils Only 91.3% | 86.9% 87.4% | 85.2% 95.4% (Hawaii) 70.8% (Arkansas) Boiler & Machinery 96.3% | 95.5% 94.0% | 93.5% 99.9% (Maine) 80.4% (Michigan) Burglary & Theft 88.0% | 82.4% 96.3% | 95.8% 99.8% (Massachusetts) 73.9% (Mississippi) Commercial Multi-Peril 80.8% | 80.3% 84.6% | 83.6% 97.9% (Massachusetts) 44.4% (Delaware) Earthquake 86.2% | 82.3% 87.4% | 86.0% 97.9% (Florida) 40.1% (Oklahoma) Excess Workers' Comp 94.0% | 96.6% 92.9% | 93.9% 101.7% (Minnesota) 28.6% (North Dakota) Farmowners Multi-Peril 35.4% | 37.3% 40.0% | 40.0% 99.7% (New Jersey) 12.1% (Missouri) Federal Flood 73.9% | 73.1% 79.4% | 77.4% 92.7% (Massachusetts) 49.3% (Utah) Fidelity 84.2% | 85.0% 90.5% | 90.5% 95.1% (Nevada) 76.1% (West Virginia) Fire Peril Only 92.9% | 86.7% 89.7% | 87.6% 96.3% (Hawaii) 73.0% (Arkansas) Homeowners Multi-Peril 51.7% | 40.4% 50.8% | 47.9% 81.8% (Florida) 19.7% (Alaska) Inland Marine 78.3% | 77.8% 78.8% | 76.9% 90.8% (Indiana) 55.9% (Delaware) International 100.0% | 100.0% 100.0% | 100.0% 100.0% (46 States) 0.0% (5 States $0 Prem.)

Medical Malpractice 88.4% | 91.1% 73.0% | 73.7% 97.7% (Maine) 43.9% (Connecticut) Multi-Peril Crop 100.0% | 99.9% 95.8% | 95.6% 100.0% (Alaska) 80.3% (Utah) Ocean Marine 96.2% | 96.2% 96.5% | 95.7% 99.7% (New Mexico) 91.0% (Alaska) Other Liability (Claims-made) 95.5% | 94.5% 91.1% | 91.7% 95.5% (Louisiana) 84.9% (District of Columbia) Other Liability (Occurrence) 88.6% | 88.2% 85.4% | 85.5% 91.5% (District of Columbia) 69.0% (Delaware) Private Crop 100.0% | 99.9% 96.2% | 96.4% 106.7% (Michigan) 49.1% (California) Private Flood 85.0% | 79.4% 88.1% | 83.9% 99.4% (West Virginia) 75.1% (Arkansas) Products Liability 95.9% | 95.7% 90.9% | 92.2% 98.2% (Hawaii) 62.2% (Nebraska) Surety 86.8% | 88.0% 85.0% | 85.7% 93.2% (Mississippi) 71.8% (Rhode Island) Workers' Compensation 94.9% | 94.9% 91.0% | 90.7% 97.1% (Rhode Island) 43.3% (Idaho)

Source: © A.M. Best Company — used by permission.

Louisiana Marketplace Report

Louisiana: 5-Year Penetration Rate Trends

Page 16

Below are 5-Year Louisiana penetration rate trends, from 2019 to 2023, broken-down into the Distribution Styles previously presented as 4 groupings of Lines of Business. Refer to the Louisiana All Lines of Business Total Premiums Comparisons section earlier in this Summary for what is included in each grouping.

Source: © A.M. Best Company — used by permission.

Louisiana Marketplace Report

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Louisiana Commission Rates

The below bar chart, Louisiana Commission Rates: Independent Agent Lines of Business, shows the commission rates paid by all insurers for the 26 different Independent Agent-focused P&C Lines of Business, for the most recent 1-year, and the 5-year average. Shown last in the bar chart, Total (All Lines), is the average combined commission paid on all Lines of Business.

Notes: International is not shown as there is less than 5 years data available. And, after the bar chart is a definition of “Commission Rate,” and the formula for how commissions are calculated.

Louisiana Commission Rates: Independent Agent Lines of Business

Source: © A.M. Best Company — used by permission.

Commission Rate Defined The formula below shows how commission percentages are calculated, where the commission % equals the direct and contingent commissions, divided by the Line of Business written premium.

Commission % =

Line of Business Direct and Contingent Commissions Line of Business Written Premium

Louisiana Marketplace Report

Page 18

Average Commission Comparisons

The table below, Line of Business Commission Rates, shows the 1-year commission rate, and 5-year average commission rates for Louisiana, and then the United States, compared to the range of commission rates across the 50 states and the District of Columbia.

Note: Where premiums are low in a Line of Business or a state, unusual highest and/or lowest commission rate figures are possible. An example of this is Ohio had the highest commission rate for Workers’ Compensation, as Louisiana is a monopolistic fund state with almost no premiums in this Line of Business.

Line of Business Commission Rates Louisiana United States Highest State Lowest State Line of Business Commission Rates 1-Yr | 5-Yr 1-Yr | 5-Yr (1-Yr) (1-Yr) Total (All Lines) 11.5% | 11.6% 11.4% | 11.4% 13.8% (District of Columbia) 9.9% (Delaware) Aircraft (all perils) 15.4% | 16.2% 14.8% | 14.9% 29.2% (Maine) 5.3% (Georgia) All Commercial Auto 12.8% | 13.3% 12.5% | 13.0% 15.0% (Alabama) 9.7% (District of Columbia) All Private Passenger Auto 7.4% | 7.5% 7.7% | 7.8% 10.3% (North Dakota) 4.4% (District of Columbia) Allied Perils Only 11.0% | 12.0% 12.0% | 12.1% 17.6% (Hawaii) 9.1% (Idaho) Boiler & Machinery 5.7% | 5.5% 9.4% | 9.5% 13.3% (Montana) 5.0% (Wyoming) Burglary & Theft 13.3% | 18.2% 19.1% | 20.9% 25.9% (New York) 13.3% (Louisiana) Commercial Multi-Peril 17.2% | 16.9% 16.8% | 17.0% 20.2% (Maine) 8.6% (Delaware) Earthquake 9.5% | 10.2% 12.9% | 12.6% 15.8% (Florida) 4.3% (Wisconsin) Excess Workers' Comp 14.7% | 14.5% 7.8% | 8.0% 17.9% (Delaware) 0.5% (District of Columbia) Farmowners Multi-Peril 14.7% | 14.8% 14.6% | 14.8% 20.8% (New York) 9.9% (Alabama) Federal Flood 17.4% | 17.9% 17.6% | 17.5% 20.7% (Ohio) 12.6% (Vermont) Fidelity 16.1% | 15.7% 16.1% | 15.9% 19.0% (District of Columbia) 12.3% (Kentucky) Fire Peril Only 11.8% | 12.5% 12.7% | 13.0% 21.6% (South Carolina) 8.9% (Illinois) Homeowners Multi-Peril 12.5% | 13.0% 12.4% | 12.5% 16.9% (Massachusetts) 9.9% (Alaska) Inland Marine 19.8% | 19.1% 17.9% | 17.2% 26.9% (Indiana) 11.6% (District of Columbia) International 0.0% | 0.0% -2868.9% | 2472.5% 20030.5% (New Jersey) 0.0% (Alaska) Medical Malpractice 11.3% | 10.4% 9.4% | 9.1% 13.2% (New Hampshire) 5.5% (Connecticut) Multi-Peril Crop 8.5% | 8.0% 7.6% | 7.8% 15.6% (Nevada) 2.9% (West Virginia) Ocean Marine 16.6% | 17.8% 15.8% | 15.5% 21.8% (Nevada) 8.9% (Tennessee) Other Liability (Claims-made) 18.0% | 17.3% 16.3% | 15.6% 19.2% (Wyoming) 12.8% (Rhode Island) Other Liability (Occurrence) 14.6% | 14.7% 13.8% | 13.3% 19.3% (Wyoming) 8.5% (Delaware) Private Crop 23.3% | 21.3% 19.9% | 19.2% 279.5% (Montana) 0.0% (Massachusetts) Private Flood 11.1% | 11.0% 14.4% | 13.4% 20.4% (Hawaii) 7.7% (North Dakota) Products Liability 14.9% | 15.6% 14.1% | 14.5% 16.5% (Montana) 10.7% (Indiana) Surety 22.9% | 23.9% 26.9% | 26.6% 31.1% (Vermont) 20.7% (Rhode Island) Workers' Compensation 9.2% | 9.0% 9.3% | 9.1% 48.4% (Ohio) 6.4% (North Dakota)

Source: © A.M. Best Company — used by permission.

Louisiana Marketplace Report

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Louisiana Surplus Lines

The pie chart below, LouisianaSurplus Lines: Top 10 Lines of Business, illustrates the Top 10 Lines of Business by percentage of all Surplus Lines premiums in Louisiana for 2023. Also below, the combination line and bar chart, Louisiana Total Premiums and Percentage of All Premiums, shows (orange bars) the total Surplus Lines premiums, and shows (orange dotted line) the Surplus Lines premium-to-premium percentages for all Lines of Business combined.

Note: Alien insurer data (e.g. Lloyds of London) is not included, as it is not tracked as consistently across states nor in the same time-frame, and if included, would increase Surplus Lines premiums by about 1%.

Louisiana Surplus Lines: Top 10 Lines of Business

Louisiana Total Premiums and Percentage of All Premiums

Source: © A.M. Best Company — used by permission

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Average Surplus Lines Comparison

The table below, Line of Business Surplus Lines Utilization, looks at Surplus Lines utilization for the 26 Lines of Business focused on by Independent Agents.It compares Louisiana 1-year, and 5-year average Surplus Lines utilization rates to the range in Surplus Lines utilization rates for the 50 states and District of Columbia.

Line of Business Surplus Lines Utilization Louisiana United States Highest State Lowest State All Lines Surplus Lines Utilization Rates 1-Yr | 5-Yr 1-Yr | 5-Yr (1-Yr) (1-Yr) Total (All Lines) 13.3% | 11.7% 9.4% | 8.1% 17.6% (Mississippi) 2.6% (South Dakota) Aircraft (all perils) 0.0% | 0.3% 1.6% | 2.5% 8.9% (Massachusetts) 0.0% (6 states) All Commercial Auto 19.1% | 20.4% 7.4% | 6.5% 23.6% (California) 1.6% (New York) All Private Passenger Auto 0.0% | 0.0% 0.2% | 0.2% 11.9% (Mississippi) 0.0% (36 states) Allied Perils Only 30.3% | 34.1% 33.8% | 30.5% 52.1% (South Carolina) 11.8% (Minnesota) Boiler & Machinery 11.5% | 8.5% 9.0% | 7.6% 24.2% (Hawaii) 1.8% (Wyoming) Burglary & Theft 50.2% | 22.0% 23.9% | 18.3% 50.2% (Louisiana) 6.3% (Rhode Island) Commercial Multi-Peril 33.4% | 28.2% 11.0% | 9.0% 41.3% (Florida) 2.5% (Delaware) Earthquake 65.2% | 59.6% 50.8% | 47.7% 86.9% (Florida) 10.4% (Kentucky) Excess Workers' Comp 0.0% | 0.0% 0.5% | 0.7% 46.2% (District of Columbia) 0.0% (38 states) Farmowners Multi-Peril 0.4% | 0.8% 0.5% | 0.5% 21.5% (Mississippi) 0.0% (5 states) Federal Flood 0.1% | 2.6% 2.5% | 2.3% 11.4% (Texas) 0.1% (Louisiana) Fidelity 1.7% | 1.8% 2.1% | 1.9% 9.2% (Vermont) 0.2% (West Virginia) Fire Peril Only 52.8% | 46.9% 40.7% | 34.5% 59.7% (South Carolina) 22.5% (New Hampshire) Homeowners Multi-Peril 3.7% | 4.6% 2.2% | 2.3% 20.3% (Mississippi) 0.1% (Kentucky) Inland Marine 10.6% | 7.8% 7.7% | 6.5% 17.8% (California) 1.8% (Delaware) International 0.0% | 0.0% 0.7% | 100.5% 200.0% (Michigan) 0.0% (44 states) Medical Malpractice 34.6% | 32.6% 26.3% | 23.9% 47.7% (Rhode Island) 10.0% (New York) Multi-Peril Crop 0.0% | 0.0% 0.0% | 0.0% 0.0% (Alaska) 0.0% (50 states) Ocean Marine 3.8% | 2.5% 6.2% | 3.9% 20.4% (Oklahoma) 0.6% (District of Columbia) Other Liability (Claims-made) 45.1% | 40.3% 38.2% | 34.7% 64.2% (Alaska) 25.1% (South Dakota) Other Liability (Occurrence) 46.8% | 44.0% 33.5% | 29.9% 46.8% (Louisiana) 13.8% (Delaware) Private Crop 0.0% | 0.0% 0.1% | 0.0% 13.1% (Montana) 0.0% (33 states) Private Flood 52.4% | 45.9% 46.2% | 41.9% 65.4% (Rhode Island) 15.6% (Montana) Products Liability 52.7% | 54.7% 42.1% | 42.8% 58.8% (California) 15.6% (South Dakota) Surety 0.3% | 0.2% 0.6% | 0.5% 28.5% (Rhode Island) 0.0% (4 states) Workers' Compensation 0.0% | 0.0% 0.4% | 0.5% 2.7% (Florida) 0.0% (8 states)

Source: © A.M. Best Company — used by permission.

Louisiana Marketplace Report

Page 21

Louisiana Line of Business Details The following 27 pages of graphs and tables provide indepth data detail on the 26 P&C Lines of Business focused on by Independent Agents in Louisiana with all Lines of Business combined presented first. The 26 Lines of Business are presented in alphabetical order.

The facts and details presented include: A bar chart of 5-Years data on premiums for all Distribution Styles (dark blue bars), and premiums written through Independent Agents (light blue bars). Independent Agent classification of premiums is based on the approach explained in Appendix #1: Distribution Style Classifications.

5-Year line charts, showing the Loss Ratio (dashed red line) and Combined Ratio (solid red line).

Additionally, the average commission on each Line of Business is provided below the combination bar and line chart.

Direct written premium for insurers using Independent Agents, Exclusive-Captive agents, and Direct distribution is provided, as is the percentage of Surplus Lines premiums to all premiums.

The count of active insurers for Independent Agent, Exclusive-Captive, and Direct insurers is provided, as is the count of active Surplus Lines insurers.

1-Year and 5-Year growth rates for all insurers, Independent Agent, Exclusive-Captive, and Direct insurers are provided, as is the percentage of premiums through insurers acting as Surplus Lines.

The top 5 insurer groups in each Line of Business are provided. This features premiums ("1-yr DPW"), 1-year Loss and Combined Ratio ("1-yr LR | CR"), and 1-year growth and commission percentages ("1yr Growth | Comm%"). The last column denotes the largest insurer in the group for that Line of Business in Louisiana.

Listed after the top insurer groups are the top policy-issuing insurers distributing insurance through Independent Agents, Exclusive-Captive agents, Direct, Surplus Lines insurers, with the top risk retention group for that Line of Business shown last. The column headings remain consistent (“1-yr DPW,” “1-yr LR | 1-yr CR,” and “1-yr Growth | Comm%”). Note: The last column changes to the Group that the policy-issuing insurer belongs to (if any).If there is no Group, “N/A” is shown.

As you navigate the Line of Business In-Depth Detail pages, notice if a small pie chart thumbnail is presented at the upper-right corner.If there is a pie chart present, that indicates the product is in the top 10 Lines of Business for Independent Agents in Louisiana. Also at the bottom of each table, after the source citation, is a short narrative of the types of policies that are included in that Line of Business.

For complete definitions of each Line of Business, refer to Appendix #2: NAIC Line of Business Definitions. Lastly, Appendix #3: Line of Business Facts—Visual Reference gives the reader another view of the presentation of Line of Business In-Depth Detail Page figures.

Louisiana Marketplace Report

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Total All P&C Lines of Business

Source: © A.M. Best Company — used by permission. (Included in the above data are all P&C policies issued in Louisiana for all 32 Lines of Business from Aircraft to Workers’ Compensation.)

Louisiana Marketplace Report

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Aircraft (all perils)

Source: © A.M. Best Company — used by permission. (Included in the above data are all P&C policies issued in Louisiana for property damage to aircraft themselves with any liability for operating an aircraft, an airport and manufacture of aircraft)

Louisiana Marketplace Report

Page 24

All Commercial Auto

Source: © A.M. Best Company — used by permission. (Included in the above data are all P&C policies issued in Louisiana to cover commercial auto liability, physical damage, uninsured motorist, and no-fault benefits, if applicable).

Louisiana Marketplace Report

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All Private Passenger Auto

Source: © A.M. Best Company — used by permission. (Included in the above data are all P&C policies issued in Louisiana to cover private passenger auto liability, physical damage, uninsured motorist, and no-fault benefits, if applicable).

Louisiana Marketplace Report

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Allied Perils Only

Source: © A.M. Best Company — used by permission. (Included in the above data are all P&C policies issued in Louisiana to cover real or personal property for other than fire, such as windstorm, hail, vehicles, etc. If premiums are combined in policies with Fire, the premiums and losses are reported as they are allocated by insurers).

Louisiana Marketplace Report

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Boiler & Machinery

Source: © A.M. Best Company — used by permission. (Included in the above data are all P&C policies issued in Louisiana to cover failure of boilers, machinery and electrical equipment).

Louisiana Marketplace Report

Page 28

Burglary & Theft

Source: © A.M. Best Company — used by permission. (Included in the above data are all P&C policies issued in Louisiana to cover property lost due to burglary, robbery, fraud or kidnap).

Louisiana Marketplace Report

Page 29

Commercial Multi-Peril

Source: © A.M. Best Company — used by permission. (Included in the above data are all P&C package policies issued in Louisiana to cover commercial enterprises for property and liability).

Louisiana Marketplace Report

Page 30

Earthquake

Source: © A.M. Best Company — used by permission. (Included in the above data are all P&C policies issued in Louisiana to cover sudden trembling or shaking of the earth, including volcanos.

Louisiana Marketplace Report

Page 31

Excess Workers’ Comp

Source: © A.M. Best Company — used by permission. (Included in the above data are all P&C policies issued in Louisiana to cover indemnity of employers for self-insured employers, usually written on an excess or high deductible).

Louisiana Marketplace Report

Page 32

Farmowners Multi-Peril

Source: © A.M. Best Company — used by permission. (Included in the above data are all P&C policies issued in Louisiana to cover property and liability risks of farming and ranching operations).

Louisiana Marketplace Report

Page 33

Federal Flood

Source: © A.M. Best Company — used by permission. (Included in the above data are all P&C policies issued in Louisiana under the Federal Flood Insurance Program and the Write Your Own program).

Louisiana Marketplace Report

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Fidelity

Source: © A.M. Best Company — used by permission. (Included in the above data are all P&C policies issued in Louisiana to cover dishonest acts of employees.

Louisiana Marketplace Report

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Fire Peril Only

Source: © A.M. Best Company — used by permission. (Included in the above data are all P&C policies issued in Louisiana to cover fire or lightning loss to real or personal property. If premiums are combined in policies with other perils like windstorm, the premiums and losses are reported as they are allocated by insurers).

Louisiana Marketplace Report

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Homeowners

Source: © A.M. Best Company — used by permission. (Included in the above data are all P&C policies issued in Louisiana to cover liability, and real and personal property of homeowners, condo owners and renters).

Louisiana Marketplace Report

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Inland Marine

Source: © A.M. Best Company — used by permission. (Included in the above data are all P&C policies issued in Louisiana for a wide variety of risks including contractors equipment, other moveable property, pet insurance, event cancellation, travel insurance, watercraft and cash in transit.

Louisiana Marketplace Report

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International

Source: © A.M. Best Company — used by permission. (Included in the above data are all P&C policies issued in Louisiana to cover losses outside the U.S. where a line of business is not determined.)

Louisiana Marketplace Report

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Medical Malpractice

Source: © A.M. Best Company — used by permission. (Included in the above data are all P&C policies issued in Louisiana to cover liability losses of licensed healthcare providers).

Louisiana Marketplace Report

Page 40

Multi-Peril Crop

Source: © A.M. Best Company — used by permission. (Included in the above data are all P&C policies issued in Louisiana to cover losses that are subsidized or reinsured by the Federal Crop Insurance Corporation.)

Louisiana Marketplace Report

Ocean Marine

Source: © A.M. Best Company — used by permission. (Included in the above data are all P&C policies issued in Louisiana to cover losses resulting from transportation on ocean and inland waters).

Page 41

Louisiana Marketplace Report

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Other Liability (Claims-made)

Source: © A.M. Best Company — used by permission. (Included in the above data are all P&C policies issued in Louisiana to cover legal liability losses liability losses from a wide variety of exposures that are issued on a claims-made basis. Common examples include errors & omissions, directors & officers, and Internet liability).

Louisiana Marketplace Report

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Other Liability (Occurrence)

Source: © A.M. Best Company — used by permission. (Included in the above data are all P&C policies issued in Louisiana to cover legal liability losses liability losses from a wide variety of exposures that are issued on an occurrence basis. Examples include premises, completed operations, and umbrella.

Louisiana Marketplace Report

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Private Crop

Source: © A.M. Best Company — used by permission. (Included in the above data are all P&C policies issued in Louisiana to cover crop hail and fire and other risks NOT subsidized or reinsured by the Federal Crop Insurance Corporation).

Louisiana Marketplace Report

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Private Flood

Source: © A.M. Best Company — used by permission. (Included in the above data are all P&C policies issued in Louisiana to cover flood and are NOT under the Federal Flood Insurance Program and its Write Your Own program).

Louisiana Marketplace Report

Page 46

Products Liability

Source: © A.M. Best Company — used by permission. (Included in the above data are all P&C policies issued in Louisiana to cover liability from manufacturing or selling of defective products that cause injury or damage).

Louisiana Marketplace Report

Page 47

Surety

Source: © A.M. Best Company — used by permission. (Included in the above data are all P&C policies issued in Louisiana for 3-party agreements covering the default of a principal on an obligation to an obligee).

Louisiana Marketplace Report

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Workers’ Compensation

Source: © A.M. Best Company — used by permission. (Included in the above data are all P&C policies issued in Louisiana for liability for worker injuries under statutes or common law but not on excess basis. This includes Occurrence and Claims-Made policies).

Louisiana Marketplace Report

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Appendix #1: Distribution Style Classifications This 2024 Louisiana P&C Marketplace Summary classifies insurers into Distribution Styles based on the insurer’s reported Marketing Type(s). These Marketing Types are provided by A.M. Best as part of what is known as a “Galley Process.”. Below are the various Marketing Types reported by insurers in 2023.

Marketing Types Reported by A.M. Best Company: Affinity Group Marketing Bank Broker Career Agent Direct Response Exclusive/Captive Agent General Agent Inactive Independent Agency Internet Managing General Agent Not Available Other Other Agency Other Direct Worksite Marketing

Distribution Style Classifications: The approach used by this Summary is to take each insurer’s reported Marketing Type and classify data from that insurer into one of 6 Distribution Styles. Some insurer classifications are obvious and straight forward, others less so. When insurers list multiple Marketing Types, more weight is given to the Marketing Type listed first, that closest aligns to each Distribution Style. About 10% of insurers have “Not Available” for their listed Marketing Type. These insurers represent less than 1% of all written premiums in 2023.

There are 6 Distribution Styles into which each insurer is categorized in this Summary: (1) Pure IA or Broker, (2) MGA/Wholesale, (3) IA-Mixed, (4) Exclusive-Captive, (5) Direct, and (6) Other. When general Independent Agent distribution figures are cited, data for the first three Distribution Styles are combined.

The remaining 3 Distribution Styles stand on their own. Other industry analyses of distribution and penetration may vary in how the impact of insurer Distribution Style choices are determined, but generally the results are similar to the approach taken in this Summary.

By controlling the Distribution Style classification in this way, for each insurer, flexibility is attained in providing data that matches an Independent Agent’s view of the marketplace. It allows determination of approximate penetrations of the Distribution Styles by Line of Business, and also the creation of lists of insurers by Line of Business for each Distribution Style. This is illustrated in the 2 tables below.

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Proprietary Classification of Premiums by Line of Business Featured in the table below, Louisiana: All Lines of Business Distribution Style, are the premiums, calculated based on the proprietary classification of insurers into Distribution Styles. Premiums are shown first for each Line of Business and all Distribution Styles combined, and then for each of 6 Distribution Styles previously listed above. All 32 Lines of Business are included, but bold and underlined are the 26 P&C Independent Agent-focused Lines of Business. The total for those 26 lines is provided in the last line of the table, Total (IA-Focused Lines).

Louisiana: All Lines of Business Distribution Style (Premiums in Millions of Dollars) Louisiana All P-C Lines of Business

All Distribution (1+2+3+4+5+6)

Accident & Health Aggregate Write-ins Aircraft (all perils)

93 20 50

All Commercial Auto All Private Passenger Auto

1,134 5,480

Allied Perils Only Boiler & Machinery

1,259 57

Burglary & Theft Commercial Multi-Peril Credit

9 817 37

Earthquake

10

Excess Workers' Comp Farmowners Multi-Peril

61 17

Federal Flood

274

Fidelity Financial Guaranty Fire Peril Only

14 0 721

Homeowners Multi-Peril Inland Marine International Medical Malpractice Mortgage Guaranty Multi-Peril Crop Ocean Marine Other Liability (Claims-made) Other Liability (Occurrence) Private Crop Private Flood Products Liability Surety Warranty Workers' Compensation Total (All Lines)

3,008 590 0 117 61 188 179 315 1,159 8 34 63 176 7 885 16,842

Total (IA-Focused Lines)

16,625

Pure IA or Broker DPW (1) 50 3 46 661 1,124 542 35 8 538 28 7 57 6 101 11 0 501 990 391

MGA/ Wholesale DPW (2) 6 4 3 162 257 74 1 0 111 2 1 0 0 102 0 0 68 411

IA-Mixed DPW (3) 1 1 0 31 38 534 19 0 11 0 0 0 0 0 0 0 101 153 32

43 11 133 113 266 833 7 25 53 140 3 758 7,485

38 0 9 0 7 58 31 180 0 2 7 12 0 50 1,597

51 0 48 2 4 14 2 2 0 1 0 31 1,076

7,391

1,584

1,074

0

0

ExclusiveCaptive DPW Direct DPW (4) (5) 33 1 0 12 0 0 112 150 2,662 1,399 24 74 1 2 1 0 126 10 4 2 1 0 0 4 11 0 54 18 0 2 0 0 14 28 952 489 60 65 0 0 3 7 0 34 0 0 0 6 2 5 58 49 0 0 0 5 1 1 7 12 4 0 14 28 4,141 2,404 4,100

2,355

Other (6) 3 0 0 19 0 12 (0) 0 20 0 0 0 0 0 0 0 10 12 3 0 4 16 0 0 8 25 0 (0) 1 4 0 3 139 120

Source: © A.M. Best Company — used by permission, and the Real Insurance Solutions Consulting proprietary classification of policy issuing insurers, based on reported Marketing Types into Distribution Styles.

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Top 10 Largest Insurers by Distribution Style To provide examples of the classification approach results, the top insurers in each Distribution Style are shown below with the reported Marketing Type and premiums for Louisiana.

Top 10 Insurers by Distribution Style (Premium in Thousands) Top 10 Insurers Classified as IA or Broker Louisiana Policy-Issuing Insurers Progressive Security Insurance Company Louisiana Workers' Compensation Corp Imperial Fire and Casualty Insurance Co Continental Casualty Company Allstate Vehicle and Property Ins Co Foremost Insurance Co Grand Rapids, MI National Union Fire Ins Co Pittsburgh PA Safeco Insurance Company of Oregon Progressive Property Insurance Company Safepoint Insurance Company

Group Progressive Insurance Group ...

Allstate Insurance Group CNA Insurance Companies Allstate Insurance Group Farmers Insurance Group American International Group Liberty Mutual Insurance Companies Progressive Insurance Group Safepoint Insurance Group

2023 Premium ($000) 729,650 238,973 228,738 155,708 150,227 137,157 136,760 133,224 130,519 121,009

Listed Marketing Type Independent Agency Independent Agency Independent Agency Independent Agency Independent Agency Independent Agency Broker Independent Agency Independent Agency Independent Agency

Top 10 Insurers Classified as MGA/Wholesale Louisiana Policy-Issuing Insurers GoAuto Insurance Company SureChoice Underwriters Reciprocal Exch Allied Trust Insurance Company Houston Specialty Insurance Company Wright National Flood Insurance Company Evanston Insurance Company Old American Indemnity Company Centauri National Insurance Company U.S. Specialty Insurance Company Atlantic Casualty Insurance Company

Group ...

Forza Insurance Group ...

Skyward Specialty Insurance Group ...

Markel Insurance Group Old American Capital Group AU Holding Company Group Tokio Marine US PC Group Auto-Owners Insurance Group

2023 Premium ($000) 187,559 170,012 107,899 98,544 98,111 76,408 69,789 55,338 38,493 37,292

Listed Marketing Type Managing General Agent Managing General Agent Managing General Agent Managing General Agent Managing General Agent Managing General Agent Managing General Agent Managing General Agent MGA/IA General Agent

Top 10 Insurers Classified as IA-Mixed Louisiana Policy-Issuing Insurers Louisiana Citizens Property Ins Corp Factory Mutual Insurance Company American Modern Property & Casualty Ins American Agri-Business Insurance Company LAMMICO United Financial Casualty Company Automobile Club Inter-Insurance Exchange Affiliated FM Insurance Company Princeton Excess & Surplus Lines Ins Co Jefferson Insurance Company

Group ....

FM Global Group Munich-American Holding Corp Cos Sompo Holdings US Group LAMMICO Group Progressive Insurance Group Auto Club Enterprises Insurance Group FM Global Group Munich-American Holding Corp Cos Allianz US PC Insurance Companies

2023 Premium ($000) 618,060 108,459 57,361 45,354 44,707 25,732 24,927 20,411 19,756 15,937

Listed Marketing Type Other Direct Response, Broker Worksite Marketing Other Agency Direct Response, Independent Agency Independent Agency, Direct Response Independent Agency, Exclusive/Captive Agent Broker, Direct Response Affinity Group Marketing, Broker Internet, Independent Agency

Top 10 Insurers Classified as Exclusive-Captive Louisiana Policy-Issuing Insurers State Farm Mutual Automobile Ins Co State Farm Fire and Casualty Company Allstate Property and Casualty Ins Co Allstate Insurance Company Louisiana Farm Bureau Casualty Ins Co Shelter Mutual Insurance Company Southern Farm Bureau Casualty Ins Co American National Property & Casualty Co Allstate Indemnity Company Dover Bay Specialty Insurance Company

Group State Farm Group State Farm Group Allstate Insurance Group Allstate Insurance Group Southern Farm Bureau Casualty Group Shelter Insurance Companies Southern Farm Bureau Casualty Group BAMR US PC Group Allstate Insurance Group State Farm Group

2023 Premium ($000) 1,662,627 887,620 415,992 239,376 230,985 161,264 117,889 97,325 82,174 27,983

Listed Marketing Type Exclusive/Captive Agent Exclusive/Captive Agent Exclusive/Captive Agent Exclusive/Captive Agent Exclusive/Captive Agent Exclusive/Captive Agent Exclusive/Captive Agent Exclusive/Captive Agent Exclusive/Captive Agent Exclusive/Captive Agent

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Top 10 Largest Insurers by Distribution Style Continued Top 10 Insurers Classified as Direct Louisiana Policy-Issuing Insurers Progressive Paloverde Insurance Company GEICO Casualty Company Louisiana Farm Bureau Mutual Ins Co United Services Automobile Association USAA General Indemnity Company GEICO Secure Insurance Company USAA Casualty Insurance Company Liberty Personal Insurance Company Garrison Property and Casualty Ins Co Liberty Mutual Fire Insurance Company

Group Progressive Insurance Group Berkshire Hathaway Insurance Group ...

USAA Group USAA Group Berkshire Hathaway Insurance Group USAA Group Liberty Mutual Insurance Companies USAA Group Liberty Mutual Insurance Companies

2023 Premium ($000) 538,701 284,587 190,030 180,246 175,996 170,743 153,954 124,215 104,964 68,615

Listed Marketing Type Direct Response Direct Response Direct Response Direct Response Direct Response Direct Response Direct Response Direct Response Direct Response Direct Response

Top 10 Insurers Classified as Other Louisiana Policy-Issuing Insurers Bridgeway Insurance Company Spinnaker Specialty Insurance Company Berkshire Hathaway Specialty Ins Co Westfield Specialty Insurance Company Essent Guaranty, Inc. Velocity Specialty Insurance Company Upland Specialty Insurance Company Greenwich Insurance Company National Mortgage Insurance Corporation Attorneys' Liab Assr Society Ltd., A RRG

Group Munich-American Holding Corp Cos Spinnaker Insurance Group Berkshire Hathaway Insurance Group Westfield Group Essent Guaranty Group ... ...

XL America Companies National Mortgage Insurance Group ...

2023 Premium ($000) 20,295 17,662 16,830 11,854 9,945 9,508 7,542 7,421 5,437 3,633

Listed Marketing Type Inactive Inactive Not Available Inactive Not Available Inactive Inactive Not Available Not Available Not Available

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Appendix #2: NAIC Line of Business Line-of-Business (L.O.B. or Combination) Aggregate Write-ins

NAIC Line Numbers Line 34

Definition

Aircraft (all perils)

Line 22

Coverage for aircraft (hull) and their contents; aircraft owners’ and aircraft manufacturers’ liability to passengers, airports and other third parties.

Allied Lines

Line 2

Extended coverage; glass; tornado, windstorm and hail; sprinkler and water damage; explosion, riot and civil commotion; rain; and damage from aircraft and vehicle.

All Commercial Auto

Lines 19.3+19.4+21.1

Commercial Auto No-Fault (Personal Injury Protection). Other Commercial Auto Passenger Liability (Include-BI, PD, UM and UIM). Commercial Auto Physical Damage.

All Private Passenger

Lines 19.1+19.2+21.1

Private Passenger Auto No-Fault (Personal Injury Protection). Other Private Passenger Auto Liability (Include-BI/PD/UM and UIM). Private Passenger Auto Physical Damage.

Boiler & Machinery

Line 27

Coverage for the failure of boilers, machinery and electrical equipment. Benefits include: (i) property of the insured that has been directly damaged by the accident. (ii) Costs of temporary repairs and expediting expenses. (iii) Liability for damage to the property of others.

Burglary & Theft

Line 26

Coverage for property taken or destroyed by breaking and entering the insured’s premises, burglary or theft, forgery or counterfeiting, fraud, kidnap and ransom, and off-premises exposure.

Commercial Multiple Peril

Line 5

A contract for a commercial enterprise that packages two or more insurance coverages protecting an enterprise from various property and liability risk exposures. Frequently includes fire, allied lines, various other coverages (e.g., difference in conditions) and liability coverage (such coverages would be included in other annual statement lines, if written individually). Include multi-peril policies (other than farmowners, homeowners and automobile policies) that include coverage for liability other than auto. (Builders’ Risk Policies, Businessowners, Commercial Package Policies, Manufacturers Output Policies, e-Commerce and Difference-in-Conditions).

Credit

Line 28

Coverage purchased by consumers, manufacturers, merchants, educational institutions or other providers of goods and services extending credit, for indemnification of losses or damages resulting from the nonpayment of debts owed to/from them for goods or services provided in the normal course of their business.

Excess Workers’ Compensation

Line 17.3

Indemnification coverage provided to self-insured employers on an excess of loss basis.

Farmowners Multiperil

Line 4

A package policy for farming and ranching risks, similar to a homeowners policy, that has been adopted for farms and ranches and includes both property and liability coverages for personal and business losses. Coverages include farm dwellings and their contents, barns, stables, other farm structures and farm inland marine, such as mobile equipment and livestock. A commercial package policy for farming and ranching risks that includes both property and liability coverage. Coverage includes barns, stables, other farm structures and farm inland marine, such as mobile equipment and livestock.

Fidelity

Line 23

A bond covering an employer’s loss resulting from an employee’s dishonest act (e.g., loss of cash, securities, valuables, etc.)

Financial Guaranty

Line 10

A surety bond, insurance policy, or when issued by an insurer, an indemnity contract and any guaranty similar to the foregoing types, under which loss is payable upon proof of occurrence of financial loss to an insured claimant, obligee or indemnitee as a result of failure to perform a financial obligation (see Financial Guaranty Insurance Guideline (#1626)).

Fire

Lines 1

Coverage protecting the insured against the loss to real or personal property from damage caused by the peril of fire or lightning, including business interruption, loss of rents, etc.

Homeowners Multiperil

Line 3

A package policy combining broad property coverage for the personal property and/or structure with broad personal liability coverage. Coverage applicable to the dwelling, appurtenant structures, unscheduled personal property and additional living expense are typical. Includes mobile homes at a fixed location. (Alternative Workers’ Compensation, Employers’ Liability and Standard Workers’ Compensation).

Inland Marine

Line 9

Coverage for property that may be in transit, held by a bailee, at a fixed location, a movable good that is often at different locations (e.g., off-road construction equipment) or scheduled property (e.g., Homeowners Personal Property Floater), including items such as live animals, property with antique or collector’s value, etc. This line also includes instrumentalities of transportation and communication, such as bridges, tunnels, piers, wharves, docks, pipelines, power and phone lines, and radio and television towers. (Animal Mortality, EDP Policies, Pet Insurance Plans, Communication Equipment, Event Cancellation, Travel Coverage, Vehicle Excess Waiver, Boatowners, Other Commercial Inland Marine, Other Personal Marine and Cash and Cash in Transit Insurance).

Explained coverage written in that do not fit elsewhere.

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Line-of-Business (L.O.B. or Combination) International

NAIC Line Numbers Line-29

Definition

Medical Professional Liability

Line 11

Insurance coverage protecting a licensed health care provider or health care facility against legal liability resulting from the death or injury of any person due to the insured’s misconduct, negligence, or incompetence in rendering professional services. Medical Professional Liability is also known as Medical Malpractice.

Mortgage Guaranty

Line 6

Insurance that indemnifies a lender from loss if a borrower fails to meet required mortgage payments.

Ocean Marine

Line 8

Coverage for ocean and inland water transportation exposures; goods or cargoes; ships or hulls; earnings; and liability.

Other Liability (Claims-made)

Line 17.2

Same as 17.1 but on a Claims-Made Basis. These policies cover insured events that are reported (as defined in the policy) within the effective dates of the policy, subject to retroactive dates and extended reporting periods when applicable.

Other Liability (Occurrence)

Line 17.1

Occurrence Based: These policies cover insured events that occur within the effective dates of the policy, regardless of when they are reported to the reporting entity.Insurance coverage protecting the insured against legal liability resulting from negligence, carelessness or a failure to act, causing property damage or personal injury to others. Typically, coverages include construction and alteration liability; contingent liability; contractual liability; elevators and escalators liability; errors and omissions liability, environmental pollution liability; excess stop loss, excess over insured or self-insured amounts and umbrella liability; liquor liability; personal injury liability; premises and operations liability; completed operations liability, nonmedical professional liability, etc. Also includes indemnification coverage provided to self-insured employers on an excess of loss basis (excess workers’ compensation). (Completed Operations, Construction Liability, Contingent Liability, Contractual Liability, Elevators, Error and Omissions, Environmental Pollution, Excess and Umbrella, Personal Liability, Premises and Operations, Excess Workers’ Compensation, Commercial General Liability, Comprehensive Personal Liability, Day Care Centers, Directors and Officers, Employee Benefit Liability, Employers’ Liability, Employment Practices, Fire Legal, Municipal Liability, Nuclear Energy, Veterinarian, Internet Liability and Cyber Liability). Excludes excess workers’ compensation.

Products Liability

Line 18

Insurance coverage protecting the manufacturer, distributor, seller or lessor of a product against legal liability resulting from a defective condition causing personal injury, or damage, to any individual or entity, associated with the use of the product.

Surety

Line 24

A three–party agreement where the insurer agrees to pay a second party (the obligee) or make complete an obligation in response to the default, acts or omissions of a third party (the principal).

Warranty

Line 30

Coverage that protects against manufacturer’s defects past the normal warranty period and for repair after breakdown to return a product to its originally intended use. Warranty insurance generally protects consumers from financial loss caused by the seller’s failure to rectify or compensate for defective or incomplete work and cost of parts and labor necessary to restore a product’s usefulness.

Includes, but is not limited to, coverage for all obligations and liabilities incurred by a service contract provider, mechanical breakdown insurance and service contracts written by insurers. (Mechanical Breakdown and Service Contracts).

Workers Compensation

Line 16

Insurance that covers an employer’s liability for injuries, disability or death to persons in their employment, without regard to fault, as prescribed by state or Federal workers’ compensation laws and other statutes. Includes employer’s liability coverage against the common law liability for injuries to employees (as distinguished from the liability imposed by Workers’ Compensation Laws). Excludes excess workers’ compensation.

Fire & Allied Lines Breakout

Definition

Fire Only

NAIC Line Numbers Line 1

Allied Lines

Line 2.1

Extended coverage; glass; tornado, windstorm and hail; sprinkler and water damage; explosion, riot and civil commotion; rain; and damage from aircraft and vehicle.

Multi-Peril Crop

Line 2.2

Insurance protection that is subsidized or reinsured by the Federal Crop Insurance Corporation for protection against losses due to damage, decreases in revenues and/or gross margins from crop, livestock and other agricultural-related production from unfavorable weather conditions, drought, wind, frost, fire or lightning, flood, hail, insect infestation, disease or other yield-reducing conditions or perils.

Federal Flood

Line 2.3

Coverage provided by the Federal Insurance Administration (FIA) of the Federal Emergency Management Agency (FEMA) through insurers participating in the National Flood Insurance Program’s (NFIP) Write Your Own (WYO) program. Coverage is subject to the terms and conditions provided in the Financial Assistance/Subsidy Arrangement between the reporting entity and the FIA.

Includes all business transacted outside the U.S. and its territories and possessions where the appropriate Line of Business is not determinable

Coverage protecting the insured against the loss to real or personal property from damage caused by the peril of fire or lightning, including business interruption, loss of rents, etc.

Louisiana Marketplace Report Fire & Allied Lines Breakout

Page 55 Definition

Private Crop

NAIC Line Numbers Line 2.4

Private Flood

Line 2.5

Private market coverage (primary standalone, first dollar policies that cover the flood peril and excess flood) for flood insurance that is not offered through the National Flood Insurance Program.

(Sewer/water backup coverage issued as an endorsement homeowners or commercial policy.)

Earthquake

Line 12

Property coverages for losses resulting from a sudden trembling or shaking of the earth, including that caused by volcanic eruption. Excluded are losses resulting from fire, explosion, flood or tidal wave following the covered event.

Private market coverage for crop insurance and agricultural-related protection, such as hail and fire, and is not reinsured by the Federal Crop Ins

Source: ©1984 –2019 National Association of Insurance Commissioners: Annual Statement Instructions Property/Casualty-2019 Reporting Year

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Appendix #3: Line of Business Facts - A Visual Reference Below is an image of a sample Line of Business In-Depth Detail page. It is provided with notations (A-I) to assist in understanding the components of the product details provided for each Line of Business.

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Appendix #4: Louisiana All Active Insurers List On the following pages, Appendix #4: Louisiana All Active Insurers List presents the 2023 year’s list of policyissuing insurers with any direct written premium greater than $0, for all reporting insurers in Louisiana.

Insurers are listed in alphabetical order.

Included for each insurer on the List is: the insurer’s total Direct Written Premium the premium change from 2022 to 2023 the percentage that Louisiana The fastest growing Lines of Business in Indiana are Fire Peril Only 26.2%), Allied Perils Only (23.3%), and All Private Passenger Auto (13.3%). the policy-issuing insurer’s Louisiana Adjusted Loss Ratio This appendix allows you to quickly see basic information on the many insurers that might be encountered in daily Independent Agent insurance agency operations. If you desire to know more about a particular insurer, you can check with your Independent Insurance Agents & Brokers of Louisiana staff.

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Policy-Issuing Insurer

Insurer Group (if any)

2023 Louisiana Premium

21st Century Premier Insurance Co 7710 Insurance Company Academic Medical Prof Ins Exchange RRG Accelerant National Insurance Company Accelerant Specialty Insurance Company Acceptance Indemnity Insurance Company Accident Fund General Insurance Co Accident Fund Ins Co of America Accident Fund National Insurance Co Accident Insurance Company, Inc. Accredited Specialty Insurance Company Accredited Surety and Casualty Co, Inc. ACE American Insurance Company ACE Fire Underwriters Insurance Company ACE Insurance Company of the Midwest ACE Property and Casualty Insurance Co ACIG Insurance Company ACSTAR Insurance Company Admiral Insurance Company Adriatic Insurance Company Aegis Security Insurance Company Affiliated FM Insurance Company Affiliates Insurance Reciprocal, A RRG AGCS Marine Insurance Company Agent Alliance Insurance Company Agri General Insurance Company AIG Assurance Company AIG Property Casualty Company AIG Specialty Insurance Company AIU Insurance Company AIX Specialty Insurance Company Alaska National Insurance Company Allegheny Casualty Company Alliance of Nonprofits for Ins RRG, Inc. Allianz Global Risks US Insurance Co Allianz Underwriters Insurance Company Allied Eastern Indemnity Company Allied Professionals Ins Co, A RRG, Inc. Allied Trust Insurance Company Allied World Assurance Co (U.S.) Inc. Allied World Insurance Company Allied World National Assurance Company Allied World Specialty Insurance Company Allied World Surplus Lines Insurance Co Allmerica Financial Alliance Ins Co Allmerica Financial Benefit Insurance Co Allstate Fire and Casualty Insurance Co Allstate Indemnity Company Allstate Insurance Company Allstate Property and Casualty Ins Co Allstate Vehicle and Property Ins Co AM Specialty Insurance Company America First Insurance Company American Agri-Business Insurance Company American Alternative Insurance Corp American Assoc of Orthodontists Ins RRG American Automobile Insurance Company American Bankers Insurance Co of Florida American Casualty Company of Reading, PA American Commerce Insurance Company American Contractors Indemnity Company American Contractors Insurance Co RRG American Family Home Insurance Company American Federated Insurance Company American Federation Insurance Company American Fire and Casualty Company American Guarantee and Liability Ins Co American Home Assurance Company American Interstate Ins Co of Texas American Interstate Insurance Company American Liberty Insurance Company American Mercury Insurance Company American Modern Home Insurance Company American Modern Property & Casualty Ins American Modern Select Insurance Company American National General Insurance Co American National Lloyds Insurance Co American National Property & Casualty Co American Pet Insurance Company American Reliable Insurance Company American Risk Insurance Company American Road Insurance Company American Security Insurance Company

Farmers Insurance Group Benchmark Insurance Group ...

Accelerant US Holdings Group Accelerant US Holdings Group IAT Insurance Group AF Group AF Group AF Group Accident Insurance Group Randall & Quilter America Holdings Inc. Randall & Quilter America Holdings Inc. Chubb INA Group Chubb INA Group Chubb INA Group Chubb INA Group American Contractors Insurance Group ...

W. R. Berkley Insurance Group ...

LD Investments Group FM Global Group ...

Allianz US PC Insurance Companies Allstate Insurance Group Chubb INA Group American International Group American International Group American International Group American International Group Hanover Ins Group Prop & Cas Cos CopperPoint Insurance Group IAT Insurance Group Nonprofits Insurance Alliance Group Allianz US PC Insurance Companies Allianz US PC Insurance Companies ProAssurance Group ... ...

Fairfax Financial (USA) Group Fairfax Financial (USA) Group Fairfax Financial (USA) Group Fairfax Financial (USA) Group Fairfax Financial (USA) Group Hanover Ins Group Prop & Cas Cos Hanover Ins Group Prop & Cas Cos Allstate Insurance Group Allstate Insurance Group Allstate Insurance Group Allstate Insurance Group Allstate Insurance Group ...

Liberty Mutual Insurance Companies Sompo Holdings US Group Munich-American Holding Corp Companies ...

Allianz US PC Insurance Companies Assurant P&C Group CNA Insurance Companies MAPFRE North America Group Tokio Marine US PC Group American Contractors Insurance Group Munich-American Holding Corp Companies ...

Farmers Insurance Group Liberty Mutual Insurance Companies Zurich Insurance US PC Group American International Group AMERISAFE Insurance Group AMERISAFE Insurance Group Benchmark Insurance Group Mercury Casualty Group Munich-American Holding Corp Companies Munich-American Holding Corp Companies Munich-American Holding Corp Companies BAMR US PC Group BAMR US PC Group BAMR US PC Group Trupanion Insurance Group ECM Group ... ...

Assurant P&C Group

$105,000 $1,644,000 $9,000 $105,000 $15,361,000 $13,107,000 $3,867,000 $5,913,000 $1,007,000 $504,000 $5,336,000 $4,431,000 $74,815,000 $22,000 $5,576,000 $43,826,000 $688,000 $11,000 $20,689,000 $14,000 $28,000 $20,411,000 $16,000 $19,127,000 $5,915,000 $17,865,000 $3,000 $1,724,000 $25,581,000 $10,283,000 $5,229,000 $226,000 $2,186,000 $10,000 $27,296,000 $9,533,000 $610,000 $49,000 $107,899,000 $13,964,000 $4,116,000 $3,785,000 $6,924,000 $9,771,000 $166,000 $23,724,000 $4,779,000 $82,174,000 $239,376,000 $415,992,000 $150,227,000 $34,000 $22,924,000 $45,354,000 $18,738,000 $123,000 $3,071,000 $70,542,000 $22,056,000 $344,000 $2,043,000 $3,363,000 $1,717,000 $5,748,000 $102,000 $3,202,000 $16,070,000 $1,613,000 $1,729,000 $12,364,000 $2,899,000 $399,000 $4,308,000 $57,361,000 $240,000 $9,561,000 $1,909,000 $97,325,000 $6,041,000 $3,368,000 $3,000 $1,724,000 $57,409,000

2022 to 2023 Premium Change 5% 18% 125% N/A 150% 72% -15% -8% -23% 119% -28% -30% -3% -88% 1% 32% 39% -69% 20% -7% -99% 19% 14% 27% 35% 11% -91% -76% 9% 5% 34% -48% -9% 233% 14% -3445% -36% 0% 49% 32% 3% 29% -21% -9% 63% 7% -6% -2% -5% 8% 47% N/A 11% 36% 5% -4% 106% -2% 21% 20% -3% -20% 14% -22% -35% -22% -7% 51% 33% -5% -43% -13% 7% 21% 4% 12% 66% 6% 19% -13% 50% 91% 18%

Louisiana to Grand Total % 1% 15% 1% <1% 3% 11% <1% <1% <1% 2% 1% <1% 1% <1% 6% <1% 2% <1% 2% <1% <1% 1% <1% 3% 7% 3% <1% <1% 2% 2% 3% <1% 4% <1% 1% 4% <1% <1% 48% 2% 1% <1% 1% 1% <1% 3% <1% 3% 5% 7% 2% 2% 100% 2% 3% 1% <1% 2% 2% <1% 3% 3% <1% 34% <1% 1% 1% <1% 13% 5% 9% <1% <1% 4% 101% 7% 1% 8% <1% 3% <1% <1% 3%

Louisiana Adj Loss Ratio 1% 36% 89% -27% 43% 15% 25% 51% -18% -21% 101% 49% 10% 470% 37% 97% 41% 7% 30% 0% -56% -2% -413% 50% 27% 95% 875% 239% -2% 35% 36% -271% 0% 63% 41% 47% 88% -30% 26% -23% 37% 121% 61% 118% 17% 66% 74% 53% 38% 61% 41% 40% 74% 182% 21% -27% 62% 29% -9% 12% -5% 112% 44% 2% 23% 75% 132% -242% 39% 9% 75% 97% 34% 53% -37% 108% 58% 77% 67% 45% 267% 27% 26%

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Policy-Issuing Insurer

Insurer Group (if any)

2023 Louisiana Premium

American Southern Home Insurance Company American States Insurance Company American Surety Company American Trucking & Transp Ins Co, a RRG American Zurich Insurance Company Amerisure Insurance Company Amerisure Mutual Insurance Company Amerisure Partners Insurance Company AMEX Assurance Company AmFed Advantage Insurance Company AmFed Casualty Insurance Company AmFed National Insurance Company AmGUARD Insurance Company Amica Mutual Insurance Company AmTrust Insurance Company Applied Medico-Legal Solutions RRG, Inc. ARAG Insurance Company Arch Indemnity Insurance Company Arch Insurance Company Arch Mortgage Insurance Company Arch Specialty Insurance Company ARCOA Risk Retention Group, Inc. Argonaut Insurance Company Argonaut-Midwest Insurance Company ARISE Boiler Inspection & Insurance RRG Armed Forces Insurance Exchange Ascalon Risk Retention Group, Inc. Ascot Insurance Company Ascot Specialty Insurance Company Ascot Surety & Casualty Company ASI Lloyds Aspen American Insurance Company Aspen Specialty Insurance Company Associated Industries Insurance Company Atain Insurance Company Atain Specialty Insurance Company Ategrity Specialty Insurance Company Atlantic Casualty Insurance Company Atlantic Specialty Insurance Company Atradius Trade Credit Insurance, Inc. Attorneys' Liab Assr Society Ltd., A RRG AttPro RRG Reciprocal RRG Automobile Club Inter-Insurance Exchange Automobile Ins Co of Hartford, CT Avemco Insurance Company AXIS Insurance Company AXIS Reinsurance Company AXIS Surplus Insurance Company AZGUARD Insurance Company Bankers Insurance Company Bankers Standard Insurance Company BAR Vermont Risk Retention Group, Inc. BCS Insurance Company Bearing Midwest Casualty Company Beazley Insurance Company, Inc. Benchmark Insurance Company Benchmark Specialty Insurance Company Berkley Assurance Company Berkley Casualty Company Berkley Insurance Company Berkley National Insurance Company Berkley Regional Insurance Company Berkley Specialty Insurance Company Berkshire Hathaway Direct Insurance Co Berkshire Hathaway Homestate Ins Co Berkshire Hathaway Specialty Ins Co BITCO General Insurance Corporation BITCO National Insurance Company Blue Hill Specialty Insurance Company Bond Safeguard Insurance Company Branch Insurance Exchange Bricktown Specialty Insurance Company Bridgefield Casualty Insurance Company Bridgefield Employers Insurance Company Bridgeway Insurance Company Brotherhood Mutual Insurance Company Build America Mutual Assur Co Bulldog National RRG, Inc. Burlington Insurance Company Cajun Underwriters Reciprocal Exchange California Casualty Indemnity Exchange CAMICO Mutual Insurance Company Campmed Casualty & Indemnity Company

Munich-American Holding Corp Companies Liberty Mutual Insurance Companies Core Specialty Insurance Group ...

Zurich Insurance US PC Group Amerisure Companies Amerisure Companies Amerisure Companies ...

Ascot Insurance U.S. Group Ascot Insurance U.S. Group Ascot Insurance U.S. Group Berkshire Hathaway Insurance Group Amica Mutual Group AmTrust Group ... ...

Arch Insurance Group Arch Insurance Group Arch Insurance Group Arch Insurance Group AMERCO Property and Casualty Ins Group BAMR US PC Group BAMR US PC Group ... ... ...

Ascot Insurance U.S. Group Ascot Insurance U.S. Group Ascot Insurance U.S. Group Progressive Insurance Group Aspen US Insurance Group Aspen US Insurance Group AmTrust Group Atain Insurance Companies Atain Insurance Companies ...

Auto-Owners Insurance Group Intact US Insurance Group ... ...

Berkshire Hathaway Insurance Group Auto Club Enterprises Insurance Group Travelers Group Tokio Marine US PC Group AXIS US Operations AXIS US Operations AXIS US Operations Berkshire Hathaway Insurance Group Bankers Financial Group Chubb INA Group ...

BCS Financial Group Waypoint Mutual Group Beazley USA Insurance Group Benchmark Insurance Group Benchmark Insurance Group W. R. Berkley Insurance Group W. R. Berkley Insurance Group W. R. Berkley Insurance Group W. R. Berkley Insurance Group W. R. Berkley Insurance Group W. R. Berkley Insurance Group Berkshire Hathaway Insurance Group Berkshire Hathaway Insurance Group Berkshire Hathaway Insurance Group Old Republic Insurance Group Old Republic Insurance Group Progressive Insurance Group Sompo Holdings US Group ...

Trisura US Insurance Group Great American P & C Insurance Group Great American P & C Insurance Group Munich-American Holding Corp Companies ... ... ...

IFG Companies Safepoint Insurance Group California Casualty Group ...

Hanover Ins Group Prop & Cas Cos

$2,120,000 $8,000 $81,000 $1,180,000 $33,777,000 $4,098,000 $5,020,000 $812,000 $1,145,000 $2,000 $544,000 $233,000 $64,102,000 $11,079,000 $11,785,000 $707,000 $189,000 $5,192,000 $62,489,000 $7,569,000 $48,291,000 $3,000 $14,508,000 $539,000 $12,000 $2,815,000 $4,000 $18,343,000 $9,180,000 $227,000 $10,037,000 $4,780,000 $9,427,000 $10,747,000 $259,000 $12,360,000 $14,218,000 $37,292,000 $13,631,000 $497,000 $3,633,000 $623,000 $24,927,000 $524,000 $847,000 $6,081,000 $178,000 $55,451,000 $247,000 $24,867,000 $577,000 $24,000 $20,666,000 $14,000 $6,735,000 $3,785,000 $3,187,000 $5,637,000 $1,157,000 $6,012,000 $11,776,000 $4,279,000 $680,000 $5,862,000 $2,372,000 $16,830,000 $15,989,000 $365,000 $62,036,000 $11,000 $3,000 $175,000 $29,024,000 $5,170,000 $20,295,000 $11,451,000 $253,000 $1,692,000 $19,239,000 $105,562,000 $437,000 $565,000 $9,000

2022 to 2023 Premium Change -12% -11% 0% N/A -6% 214% 57% 62% -7% N/A 141% 248% 9% 15% -12% 12% 16% 33% 22% 0% 26% -50% -13% 45% 20% 2% N/A 7% 28% N/A 0% -16% -7% 9% 260% 10% 109% 40% -34% 22% 6% 1% 15% 14% 3% -58% 1% 15% N/A 85% 36% 14% 34% -7% 21% -9% 1180% 67% 372% -1% -1% 16% -29% 33% -28% 34% 18% 14% -6% 10% N/A N/A 6% -19% 44% 43% -67% 90% -3% 632% -20% 8% 13%

Louisiana to Grand Total % 2% <1% <1% 2% 2% 1% <1% 1% <1% <1% 2% 1% 4% <1% 3% <1% <1% 3% 2% <1% 3% <1% 2% 2% 1% 4% 9% 5% 2% 1% 2% 1% 1% 1% 2% 12% 4% 7% <1% <1% <1% 7% 7% <1% 2% <1% <1% 3% <1% 29% <1% <1% 4% <1% 1% <1% 12% 2% <1% <1% 2% 1% <1% 1% <1% <1% 3% <1% 16% <1% <1% <1% 6% 5% 4% 1% <1% 11% 5% 100% <1% 2% <1%

Louisiana Adj Loss Ratio 18% -1467% 163% 12% 57% 45% 19% 12% 17% 0% 13% -2% 151% 74% 91% 71% 17% 41% 56% 2% 58% 1633% 11% 61% 0% 54% 0% 87% 38% 28% -2% 152% 3% 50% 25% 78% 34% 53% 55% 9% -47% -7% 72% 30% 128% 119% 2% 68% 0% 31% 32% 52% 47% -63% 35% 88% 37% 165% 27% 34% 140% 65% -14% 49% -63% 30% 87% 491% 72% 227% 0% 2100% 30% 12% 15% 37% 0% 112% 182% 14% 114% -9% 0%

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Policy-Issuing Insurer

Insurer Group (if any)

2023 Louisiana Premium

Canopius US Insurance, Inc. Capitol Indemnity Corporation Capitol Specialty Insurance Corporation CARE Risk Retention Group, Inc. Caring Communities, a Reciprocal RRG Carolina Casualty Insurance Company Caterpillar Insurance Company Censtat Casualty Company Centauri National Insurance Company Centennial Casualty Company Central States Indemnity Co. of Omaha Centurion Casualty Company Century Surety Company Century-National Insurance Company Champlain Specialty Insurance Company Charter Oak Fire Insurance Company Cherokee Insurance Company Chicago Insurance Company Chiron Insurance Company Chubb Custom Insurance Company Chubb Indemnity Insurance Company Chubb National Insurance Company Church Mutual Insurance Company, S.I. Cimarron Insurance Company, Inc. Cincinnati Casualty Company Cincinnati Indemnity Company Cincinnati Insurance Company Cincinnati Specialty Underwriters Ins Co Circle Star Insurance Company RRG Claim Prof Liability Insurance Co A RRG Clear Blue Insurance Company Clear Blue Specialty Insurance Company Clear Spring Property & Casualty Company Clearcover Insurance Company Clinician Assurance Inc., a RRG CM Select Insurance Company CM Vantage Specialty Insurance Company Coalition Insurance Company Coface North America Insurance Company College Risk Retention Group, Inc. Colonial American Casualty & Surety Co Colonial Surety Company Colony Insurance Company Colony Specialty Insurance Company Columbia Casualty Company Commerce and Industry Insurance Company Community Blood Centers' Exch RRG Concert Insurance Company Concert Specialty Insurance Company Conifer Insurance Company Consumer Specialties Insurance Co RRG Continental Casualty Company Continental Heritage Insurance Company Continental Indemnity Company Continental Insurance Company Continental Western Insurance Company Contractors Bonding and Insurance Co COPIC, A Risk Retention Group CorePointe Insurance Company County Hall Insurance Company Inc. A RRG Courtesy Insurance Company Coverys Specialty Insurance Company Covington Specialty Insurance Company Crestbrook Insurance Company CrossFit Risk Retention Group, Inc. Crum & Forster Indemnity Company Crum & Forster Specialty Insurance Co CUMIS Insurance Society, Inc. CUMIS Specialty Insurance Company, Inc. Cypress Insurance Company DAN Risk Retention Group, Inc. Dealers Assurance Company Developers Surety and Indemnity Company Doctors Company, An Interinsurance Exch Dorinco Reinsurance Company Dover Bay Specialty Insurance Company Eastern Advantage Assurance Company Eastern Alliance Insurance Company EastGUARD Insurance Company Economy Premier Assurance Company Electric Insurance Company Elevate Reciprocal Exchange EMC Property & Casualty Company

...

Berkshire Hathaway Insurance Group Berkshire Hathaway Insurance Group ... ...

W. R. Berkley Insurance Group ... ...

AU Holding Company Group ...

Berkshire Hathaway Insurance Group ...

AF Group Allstate Insurance Group ...

Travelers Group ...

Allianz US PC Insurance Companies Pharmacists Mutual Insurance Group Chubb INA Group Chubb INA Group Chubb INA Group Church Mutual Insurance Group ...

The Cincinnati Insurance Companies The Cincinnati Insurance Companies The Cincinnati Insurance Companies The Cincinnati Insurance Companies ... ...

Clear Blue Insurance Group Clear Blue Insurance Group Group 1001 Property and Casualty Group ... ... ...

Church Mutual Insurance Group ... ... ...

Zurich Insurance US PC Group ...

BAMR US PC Group BAMR US PC Group CNA Insurance Companies American International Group ...

Concert Insurance Group Concert Insurance Group Conifer Insurance Group ...

CNA Insurance Companies ...

AU Holding Company Group CNA Insurance Companies W. R. Berkley Insurance Group RLI Group COPIC Insurance Group AmTrust Group ... ...

Coverys Companies Berkshire Hathaway Insurance Group Nationwide Property & Casualty Group ...

Fairfax Financial (USA) Group Fairfax Financial (USA) Group CUMIS Insurance Society Group CUMIS Insurance Society Group Berkshire Hathaway Insurance Group ... ...

AmTrust Group Doctors Company Insurance Group ...

State Farm Group ProAssurance Group ProAssurance Group Berkshire Hathaway Insurance Group Farmers Insurance Group ...

Forza Insurance Group EMC Insurance Companies

$3,346,000 $759,000 $6,756,000 $6,000 $47,000 $2,420,000 $8,926,000 $184,000 $55,338,000 $129,000 $1,297,000 $15,000 $12,443,000 $981,000 $3,866,000 $29,957,000 $190,000 $4,000 $142,000 $2,210,000 $1,093,000 $483,000 $10,266,000 $65,000 $102,000 $150,000 $1,971,000 $64,000 $21,000 $182,000 $5,111,000 $7,109,000 $1,792,000 $611,000 $24,000 $31,000 $575,000 $30,000 $538,000 $150,000 $128,000 $179,000 $16,439,000 $1,179,000 $15,259,000 $1,679,000 $105,000 $614,000 $717,000 $5,000 $6,000 $155,708,000 $44,000 $1,745,000 $27,001,000 $669,000 $231,000 $114,000 $4,152,000 $227,000 $324,000 $3,120,000 $24,206,000 $8,000 $46,000 $1,212,000 $38,099,000 $12,281,000 $1,084,000 $2,272,000 $93,000 $3,595,000 $178,000 $892,000 $25,275,000 $27,983,000 $774,000 $1,505,000 $48,000 $1,164,000 $1,085,000 $5,424,000 $19,470,000

2022 to 2023 Premium Change -3% 126% -1% 0% -8% -34% -6% -15% -4% 6% -2% 650% -23% -44% 28% 12% -2% 0% 7000% 58% -2% -75% -53% 550% 55% -50% 11% -35% 110% 21% -62% -81% 53% -21% 140% N/A -58% N/A 3% 2% -30% -11% -5% 125% 51% 31% 46% 1516% 55% -88% 20% -7% 42% -36% 9% -47% 23% 84% -12% 49% -13% -9% 35% 167% -8% 37% -2% 5% 164% 76% 15% 14% 58% 17% 2% -16% -31% -1% 9% -44% -14% N/A 6%

Louisiana to Grand Total % 2% 1% 2% <1% <1% <1% 2% 8% 100% <1% 1% <1% 3% <1% 4% 2% <1% <1% 1% <1% <1% <1% <1% <1% <1% <1% <1% <1% <1% 8% <1% 1% <1% <1% <1% <1% <1% <1% <1% <1% <1% <1% 3% 2% 1% 1% 3% 4% <1% <1% <1% 2% <1% 1% 1% <1% <1% <1% 3% 2% <1% 1% 8% <1% 2% <1% 2% 2% <1% <1% <1% 1% <1% <1% 17% 63% 2% 1% <1% <1% <1% 13% 8%

Louisiana Adj Loss Ratio 71% 13% 35% 33% 9% 80% 134% 65% 63% 25% 49% 47% 52% 19% 22% 73% 220% 3950% 68% 46% 92% -16% 147% 15% 14% -73% 92% -606% 0% 75% 26% 74% 347% 89% 58% 155% -11% 75% 63% 25% -6% 8% 84% 25% -68% 562% 90% 48% 128% -232% 0% 39% -5% 90% 80% 20% 38% 54% 56% -61% 128% 14% 38% 17% -15% 84% 62% 61% 413% 1% 17% 98% -6% 39% 483% 39% -1% 53% -8% 29% 65% 45% 21%

Louisiana Marketplace Report

Page 61

Policy-Issuing Insurer

Insurer Group (if any)

2023 Louisiana Premium

EMCASCO Insurance Company Emergency Capital Management, A RRG, LLC Empire Fire and Marine Insurance Company Employers Assurance Company Employers Compensation Insurance Company Employers Insurance Company of Nevada Employers Insurance Company of Wausau Employers Mutual Casualty Company Employers Preferred Insurance Company Enact Mortgage Insurance Corp of NC Enact Mortgage Insurance Corporation Encompass Indemnity Company Encompass Insurance Company of America Encompass Property and Casualty Company Endurance American Insurance Company Endurance American Specialty Ins Co Endurance Assurance Corporation Essent Guaranty, Inc. Essentia Insurance Company Esurance Insurance Company Euler Hermes North America Insurance Co. Evanston Insurance Company Everest Denali Insurance Company Everest Indemnity Insurance Company Everest National Insurance Company Everest Premier Insurance Company Everest Reinsurance Company Evergreen National Indemnity Company Everspan Indemnity Insurance Company Everspan Insurance Company Executive Risk Indemnity Inc. Factory Mutual Insurance Company Fair American Insurance and Reins Co Falls Lake Fire and Casualty Company Farmers Casualty Insurance Company Farmers Direct Prop and Cas Insurance Co Farmers Group Prop and Cas Insurance Co Farmers Insurance Exchange Farmers Mutual Hail Insurance Co of Iowa Farmers Property and Casualty Ins Co Farmington Casualty Company FCCI Insurance Company Federal Insurance Company Federated Mutual Insurance Company Federated Reserve Insurance Company Federated Rural Electric Ins Exchange Federated Service Insurance Company Fidelity and Deposit Company of Maryland Fidelity and Guaranty Insurance Company Financial Casualty & Surety, Inc Financial Indemnity Company Fireman's Fund Indemnity Corporation Fireman's Fund Insurance Company First Chicago Insurance Company First Colonial Insurance Company First Community Insurance Company First Financial Insurance Company First Guard Insurance Company First Liberty Insurance Corporation First Mercury Insurance Company Florists' Mutual Insurance Company FMH Ag Risk Insurance Company Foremost Insurance Co Grand Rapids, MI Foremost Property and Casualty Ins Co Fortegra Specialty Insurance Company Fortress Insurance Company Founders Insurance Company Frank Winston Crum Insurance Company Frankenmuth Insurance Company Franklin Casualty Insurance Co RRG Freedom Specialty Insurance Company Future Care Risk Retention Group, Inc. Garrison Property and Casualty Ins Co GEICO Casualty Company GEICO Choice Insurance Company GEICO General Insurance Company GEICO Indemnity Company GEICO Marine Insurance Company GEICO Secure Insurance Company Gemini Insurance Company General Casualty Company of Wisconsin General Insurance Company of America General Security Indemnity Co of Arizona

EMC Insurance Companies ...

Zurich Insurance US PC Group Employers Insurance Group Employers Insurance Group Employers Insurance Group Liberty Mutual Insurance Companies EMC Insurance Companies Employers Insurance Group Enact Mortgage Insurance Group Enact Mortgage Insurance Group Allstate Insurance Group Allstate Insurance Group Allstate Insurance Group Sompo Holdings US Group Sompo Holdings US Group Sompo Holdings US Group Essent Guaranty Group Markel Insurance Group Allstate Insurance Group Allianz US PC Insurance Companies Markel Insurance Group Everest Re U.S. Group Everest Re U.S. Group Everest Re U.S. Group Everest Re U.S. Group Everest Re U.S. Group Stillwater Insurance Group Ambac Financial Group Ambac Financial Group Chubb INA Group FM Global Group Berkshire Hathaway Insurance Group James River Group Farmers Insurance Group Farmers Insurance Group Farmers Insurance Group Farmers Insurance Group FMH Insurance Group Farmers Insurance Group Travelers Group FCCI Insurance Group Chubb INA Group Federated Mutual Group Federated Mutual Group ...

Federated Mutual Group Zurich Insurance US PC Group Travelers Group ...

Kemper PC Companies Allianz US PC Insurance Companies Allianz US PC Insurance Companies First Chicago Insurance Group Allstate Insurance Group Bankers Financial Group IFG Companies Biglari Holdings Insurance Group Liberty Mutual Insurance Companies Fairfax Financial (USA) Group Sentry Insurance Group FMH Insurance Group Farmers Insurance Group Farmers Insurance Group Fortegra P&C Group National Group Utica National Insurance Group ...

Frankenmuth Insurance Group ...

Nationwide Property & Casualty Group ...

USAA Group Berkshire Hathaway Insurance Group Berkshire Hathaway Insurance Group Berkshire Hathaway Insurance Group Berkshire Hathaway Insurance Group Berkshire Hathaway Insurance Group Berkshire Hathaway Insurance Group W. R. Berkley Insurance Group QBE North America Insurance Group Liberty Mutual Insurance Companies SCOR US Group

$2,419,000 $88,000 $2,935,000 $778,000 $382,000 $130,000 $11,136,000 $16,632,000 $7,168,000 $10,000 $11,045,000 $1,671,000 $5,619,000 $7,695,000 $15,059,000 $45,707,000 $3,560,000 $9,945,000 $10,849,000 $9,893,000 $3,318,000 $76,408,000 $7,161,000 $27,650,000 $16,690,000 $3,636,000 $2,197,000 $1,697,000 $1,425,000 $38,000 $1,389,000 $108,459,000 $1,694,000 $1,945,000 $65,000 $112,000 $6,087,000 $4,121,000 $3,937,000 $21,271,000 $1,897,000 $17,456,000 $53,473,000 $22,792,000 $12,237,000 $5,098,000 $10,064,000 $6,822,000 $3,890,000 $1,233,000 $17,092,000 $2,001,000 $8,110,000 $2,959,000 $477,000 $286,000 $525,000 $1,109,000 $10,153,000 $335,000 $67,000 $4,661,000 $137,157,000 $4,539,000 $11,900,000 $1,664,000 $1,007,000 $1,160,000 $4,000 $7,000 $852,000 $994,000 $104,964,000 $284,587,000 $8,981,000 $44,776,000 $13,889,000 $4,688,000 $170,743,000 $8,981,000 $1,566,000 $1,585,000 $21,433,000

2022 to 2023 Premium Change -3% -63% 17% -11% 84% 5% 56% 5% 20% 11% -8% -1% 47% 54% 7% 49% -14% -2% 15% -40% 61% 26% -14% -15% -4% 63% -10% 17% 769% 217% -13% 23% 9% 60% -23% 489% -3% 23% 261% -51% 45% -5% 18% -17% 148% 5% -3% -9% 60% -6% -33% N/A 28% 19% 15% -26% 21% 6% 88% 104% -77% 58% 26% 35% 416% 6% 96% 0% -98% 0% 89% 74% 48% -18% N/A -2% -4% -1% 12% -13% -28% 10% 16%

Louisiana to Grand Total % <1% <1% <1% <1% <1% 4% 1% 1% 1% <1% 1% <1% 4% 21% 2% 2% <1% 1% 1% 3% <1% 3% 3% 2% 1% 1% <1% 4% <1% <1% <1% 2% 1% 1% <1% <1% <1% <1% <1% 1% <1% 3% <1% 1% 4% 2% 3% 1% 1% 6% <1% <1% <1% 2% <1% <1% 5% 3% 2% 10% <1% 2% 4% 3% 2% 6% <1% 2% <1% <1% <1% 6% 2% 5% <1% <1% <1% 1% 4% <1% <1% <1% 4%

Louisiana Adj Loss Ratio 40% 242% 7% 123% 45% 123% 162% 78% 79% 0% 6% 112% 50% 152% 74% 63% 55% 11% 51% 70% 18% 39% 59% 108% 63% 36% 43% 5% 63% 29% 25% 32% 31% 54% 41% 20% 51% 74% 140% 60% 42% 47% 15% 42% 39% 11% 58% 104% 57% 20% 66% 11% 110% -15% 61% 0% 66% 45% 32% 899% 10% 40% 48% 31% 44% 36% 3% 88% 5% 0% 643% 51% 62% 58% 100% 58% 55% 25% 68% 85% 58% 139% 22%

Louisiana Marketplace Report

Page 62

Policy-Issuing Insurer

Insurer Group (if any)

2023 Louisiana Premium

General Security National Insurance Co General Star Indemnity Company Generali USB GeoVera Specialty Insurance Company Glencar Insurance Company GoAuto Insurance Company Golden Bear Insurance Company Golden Insurance Company, A RRG Gotham Insurance Company Government Employees Insurance Company Granite Re, Inc. Granite State Insurance Company Gray Surplus Lines Insurance Company Great Amer Risk Sol Surplus Lines Ins Co Great American Alliance Insurance Co Great American Assurance Company Great American E & S Insurance Company Great American Fidelity Insurance Co Great American Insurance Co of New York Great American Insurance Company Great American Security Insurance Co Great American Spirit Insurance Company Great Divide Insurance Company Great Midwest Insurance Company Great Northern Insurance Company Great West Casualty Company Green Hills Insurance Company RRG Greenwich Insurance Company Greystone Insurance Company Guarantee Company of North America USA GuideOne Elite Insurance Company GuideOne Insurance Company GuideOne National Insurance Company GuideOne Specialty Insurance Company Gulf States Insurance Company Hallmark Specialty Insurance Company Hamilton Select Insurance Inc. Harco National Insurance Company Harleysville Insurance Co of New York Hartford Accident and Indemnity Company Hartford Casualty Insurance Company Hartford Fire Insurance Company Hartford Insurance Co of the Midwest Hartford Insurance Co of the Southeast Hartford Insurance Company of Illinois Hartford Steam Boiler Inspec & Ins Hartford Underwriters Insurance Company HDI Global Insurance Company HDI Specialty Insurance Company Health Care Indemnity, Inc. Health Care Industry Liab Recip Ins RRG Healthcare Professional RRG, Inc. Highlander Specialty Insurance Company Hilltop Specialty Insurance Company Hiscox Insurance Company Inc. Homeland Insurance Company of Delaware Homeland Insurance Company of New York Homesite Insurance Company Homesite Insurance Company of Florida Horace Mann Insurance Company Horace Mann Property & Casualty Ins Co Housing Authority Prop Ins, A Mutual Co Housing Authority RRG, Inc. Housing Enterprise Insurance Co, Inc. Housing Specialty Insurance Co, Inc. Houston Casualty Company Houston Specialty Insurance Company HPIC Risk Retention Group HSB Specialty Insurance Company Hudson Excess Insurance Company Hudson Insurance Company Illinois Union Insurance Company Imperial Fire and Casualty Insurance Co Imperium Insurance Company Incline Casualty Company Indemnity Insurance Co of North America Indemnity National Insurance Company Independence American Insurance Company Independent Mutual Fire Insurance Co Indian Harbor Insurance Company Insurance Company of North America Insurance Company of State of PA Insurance Company of the West

SCOR US Group Berkshire Hathaway Insurance Group ...

GeoVera U.S. Insurance Group HDI/Talanx US PC Group ... ...

InSure Homes Group Coaction Specialty Insurance Group Berkshire Hathaway Insurance Group Federated Mutual Group American International Group The Gray Insurance Group Great American P & C Insurance Group Great American P & C Insurance Group Great American P & C Insurance Group Great American P & C Insurance Group Great American P & C Insurance Group Great American P & C Insurance Group Great American P & C Insurance Group Great American P & C Insurance Group Great American P & C Insurance Group W. R. Berkley Insurance Group Skyward Specialty Insurance Group Chubb INA Group Old Republic Insurance Group ...

XL America Companies Fairfax Financial (USA) Group Intact US Insurance Group GuideOne Insurance Companies GuideOne Insurance Companies GuideOne Insurance Companies GuideOne Insurance Companies Gulf States Group Hallmark Insurance Group ...

IAT Insurance Group Nationwide Property & Casualty Group Hartford Insurance Group Hartford Insurance Group Hartford Insurance Group Hartford Insurance Group Hartford Insurance Group Hartford Insurance Group Munich-American Holding Corp Companies Hartford Insurance Group HDI/Talanx US PC Group HDI/Talanx US PC Group ... ... ...

Clear Blue Insurance Group Fairfax Financial (USA) Group Hiscox USA Group Intact US Insurance Group Intact US Insurance Group American Family Insurance Group American Family Insurance Group Horace Mann Insurance Group Horace Mann Insurance Group HAI Group HAI Group HAI Group HAI Group Tokio Marine US PC Group Skyward Specialty Insurance Group Healthcare Providers Insurance Group Munich-American Holding Corp Companies Fairfax Financial (USA) Group Fairfax Financial (USA) Group Chubb INA Group Allstate Insurance Group Skyward Specialty Insurance Group Incline Insurance Group Chubb INA Group ...

Independence Pet Insurance Group ...

XL America Companies Chubb INA Group American International Group ICW Group

$492,000 $45,499,000 $8,223,000 $16,273,000 $380,000 $187,559,000 $446,000 $21,000 $14,291,000 $19,314,000 $219,000 $4,806,000 $1,644,000 $7,158,000 $5,943,000 $15,583,000 $14,984,000 $1,008,000 $1,061,000 $26,336,000 $1,940,000 $1,471,000 $4,466,000 $5,605,000 $31,981,000 $2,334,000 $24,000 $7,421,000 $3,000 $13,000 $222,000 $33,690,000 $2,974,000 $6,541,000 $92,533,000 $409,000 $1,324,000 $4,525,000 $1,192,000 $22,201,000 $12,410,000 $26,221,000 $16,489,000 $1,480,000 $330,000 $1,841,000 $20,116,000 $18,396,000 $2,984,000 $710,000 $341,000 $139,000 $601,000 $69,000 $7,117,000 $222,000 $9,667,000 $27,743,000 $2,181,000 $12,367,000 $6,031,000 $123,000 $186,000 $390,000 $147,000 $22,746,000 $98,544,000 $153,000 $410,000 $23,193,000 $6,703,000 $21,937,000 $228,738,000 $12,299,000 $643,000 $15,823,000 $3,730,000 $1,310,000 $310,000 $43,762,000 $2,000 $3,220,000 $1,021,000

2022 to 2023 Premium Change 50% 58% 90% 145% 95% 23% -28% 5% 125% -5% 131% 16% 10% 86% 2% 30% 50% 11% 18% 15% -1% 23% 13% 32% 21% 343% 20% 64% N/A -24% 31% 30% -4% -13% 57% -97% 193% 42% 303% -5% 4% 10% 4% 56% N/A 9% 31% 106% -26% 2% 10% 85% N/A -27% -2% -22% 27% 37% 604% 6% 16% -15% 9% 12% 101% 25% 10% -60% -66% 20% -17% -2% 11% -3% -78% 24% 27% -5% 343% -2% 0% 74% 241%

Louisiana to Grand Total % <1% 5% 1% 5% <1% 77% <1% <1% 4% <1% <1% 2% 3% 2% 1% 2% 2% 1% 1% <1% <1% <1% 1% 2% 2% <1% <1% <1% 1% <1% <1% 7% 1% 12% 100% <1% 2% <1% <1% 3% <1% <1% 2% <1% <1% 2% <1% 3% 2% 1% <1% 1% <1% <1% 1% <1% 2% 2% <1% 5% 3% <1% <1% <1% 4% 2% 17% 3% 1% 3% <1% 2% 78% 3% <1% <1% 4% <1% 3% 2% <1% <1% <1%

Louisiana Adj Loss Ratio 4% 33% 24% 29% 47% 61% 0% 0% 114% 58% 6% 133% 25% 25% 101% 62% -23% 45% 8% 52% 10% 31% 58% 58% 27% 59% 14% 185% 67% -27% 3% 32% 179% 42% 12% 64% 48% -5% 40% 66% 60% -17% 1% 69% 11% 9% 35% -33% 52% -3% 51% 29% 55% -36867% 64% 8% 51% 59% -1% 74% 77% -1% 13% 83% 9% -99% 58% 24% -89% 69% 35% 45% 53% 119% -163% 54% 15% 54% 23% 74% -138800% 212% 35%

Louisiana Marketplace Report

Page 63

Policy-Issuing Insurer

Insurer Group (if any)

2023 Louisiana Premium

Insurors Indemnity Company Integon Indemnity Corporation Integon National Insurance Company International Fidelity Insurance Company Interstate Fire & Casualty Company Intrepid Insurance Company Intrepid Specialty Insurance Company Ironshore Indemnity Inc. Ironshore Specialty Insurance Co ISMIE Indemnity Company James River Insurance Company Jefferson Insurance Company Jet Insurance Company Jewelers Mutual Insurance Company, SI JM Specialty Insurance Company Key Risk Insurance Company Kin Interinsurance Network Kinsale Insurance Company Knight Specialty Insurance Company KnightBrook Insurance Company KW Specialty Insurance Company LAMMICO LAMMICO Risk Retention Group, Inc. Lancer Insurance Company Landmark American Insurance Company Lexington Insurance Company Lexington National Insurance Corporation Lexon Insurance Company Liberty Insurance Corporation Liberty Insurance Underwriters, Inc. Liberty Mutual Fire Insurance Company Liberty Mutual Insurance Company Liberty Personal Insurance Company Liberty Surplus Insurance Corporation Lion Insurance Company LM Insurance Corporation LM Property and Casualty Insurance Co Lone Star Alliance, Inc., RRG Louisiana Citizens Property Ins Corp Louisiana Farm Bureau Casualty Ins Co Louisiana Farm Bureau Mutual Ins Co Louisiana Pest Control Insurance Company Louisiana Workers' Compensation Corp LUBA Casualty Insurance Company LUBA Indemnity Insurance Company Lyndon Southern Insurance Company MAG Mutual Insurance Company Manufacturers Alliance Insurance Company Markel American Insurance Company Markel Insurance Company Massachusetts Bay Insurance Company Maxum Indemnity Company Medical Protective Company MEMIC Indemnity Company Mercer Insurance Company Merchants Bonding Company (Mutual) Merchants National Bonding, Inc. Merchants National Insurance Company Mesa Underwriters Specialty Insurance Co Metropolitan General Insurance Company MIC Property and Casualty Insurance Corp Mid-Century Insurance Company Mid-Continent Casualty Company Middlesex Insurance Company Midvale Indemnity Company Midwest Employers Casualty Company Milford Casualty Insurance Company Mississippi Farm Bureau Casualty Ins Co Mitsui Sumitomo Insurance Co of America Mitsui Sumitomo Insurance USA Inc. Mobilitas Insurance Company Monroe Guaranty Insurance Company Mortgage Guaranty Insurance Corporation Motor Transport Mutual RRG, Inc. Motors Insurance Corporation MS Transverse Insurance Company MS Transverse Specialty Insurance Co MSA Insurance Company MSIG Specialty Insurance USA Inc. Mt. Hawley Insurance Company MTAW Insurance Company National American Insurance Company National Casualty Company

Insurors Indemnity Companies Allstate Insurance Group Allstate Insurance Group IAT Insurance Group Allianz US PC Insurance Companies W. R. Berkley Insurance Group W. R. Berkley Insurance Group Liberty Mutual Insurance Companies Liberty Mutual Insurance Companies ISMIE Mutual Group James River Group Allianz US PC Insurance Companies ...

Jewelers Mutual Insurance Group Jewelers Mutual Insurance Group W. R. Berkley Insurance Group Kin Insurance Group ...

Knight Insurance Group Knight Insurance Group ...

LAMMICO Group LAMMICO Group Core Specialty Insurance Group Berkshire Hathaway Insurance Group American International Group Revolutionary Insurance Group Sompo Holdings US Group Liberty Mutual Insurance Companies Liberty Mutual Insurance Companies Liberty Mutual Insurance Companies Liberty Mutual Insurance Companies Liberty Mutual Insurance Companies Liberty Mutual Insurance Companies ...

Liberty Mutual Insurance Companies Liberty Mutual Insurance Companies Texas Medical Insurance Group ...

Southern Farm Bureau Casualty Group ... ... ...

LUBA Insurance Companies LUBA Insurance Companies Fortegra P&C Group MAG Mutual Companies Old Republic Insurance Group Markel Insurance Group Markel Insurance Group Hanover Ins Group Prop & Cas Cos Hartford Insurance Group Berkshire Hathaway Insurance Group MEMIC Group United Fire & Casualty Group Merchants Bonding Co (Mutual) Group Merchants Bonding Co (Mutual) Group Merchants Insurance Group Selective Insurance Group ...

Ally Insurance Group Farmers Insurance Group Great American P & C Insurance Group Sentry Insurance Group American Family Insurance Group W. R. Berkley Insurance Group AmTrust Group Southern Farm Bureau Casualty Group MS&AD US Insurance Group MS&AD US Insurance Group CSAA Insurance Group FCCI Insurance Group Mortgage Guaranty Group ...

Ally Insurance Group MS&AD US Insurance Group MS&AD US Insurance Group American Family Insurance Group MS&AD US Insurance Group RLI Group Fairfax Financial (USA) Group ...

Nationwide Property & Casualty Group

$8,000 $21,716,000 $8,776,000 $11,000 $5,527,000 $1,074,000 $624,000 $1,516,000 $30,139,000 $48,000 $16,054,000 $15,937,000 $110,000 $9,998,000 $147,000 $4,133,000 $19,171,000 $49,970,000 $2,090,000 $8,000 $1,861,000 $44,707,000 $5,728,000 $14,000 $46,102,000 $74,308,000 $276,000 $160,000 $8,811,000 $19,277,000 $68,615,000 $26,894,000 $124,215,000 $5,530,000 $183,000 $6,709,000 $1,000 $865,000 $618,060,000 $230,985,000 $190,030,000 $41,000 $238,973,000 $62,975,000 $10,550,000 $50,821,000 $225,000 $9,477,000 $21,362,000 $10,424,000 $3,609,000 $8,798,000 $4,182,000 $194,000 $1,618,000 $1,226,000 $1,844,000 $1,292,000 $7,559,000 $1,374,000 $405,000 $2,000 $2,423,000 $327,000 $5,074,000 $8,614,000 $993,000 $118,000 $12,005,000 $3,682,000 $78,000 $6,339,000 $11,236,000 $128,000 $6,105,000 $215,000 $20,432,000 $1,389,000 $1,516,000 $7,969,000 $3,000 $5,967,000 $9,194,000

2022 to 2023 Premium Change N/A -34% 15% -238% -69% 72% 21% -22% 0% 4% -6% 3% 100% 12% 13% 6% 237% 61% 304% -38% 107% -3% 36% -44% 41% 36% 151% -93% -31% -65% 7% 9% 28% -46% -45% -3% -50% 0% 46% -6% 16% 0% -4% 4% 11% -4% -29% 90% 26% 0% -9% -7% 6% 96% -54% 14% 34% 13% 2% 61% 2% -50% -11% -13% 171% 31% -3% -67% -16% 5% 136% 18% -2% -77% 12% 306% 108% N/A 372% -62% N/A 30% -39%

Louisiana to Grand Total % <1% 2% <1% <1% 3% <1% 1% <1% 2% <1% 2% 1% <1% 3% 5% 2% 6% 3% <1% <1% 3% 91% 44% <1% 2% 2% <1% <1% <1% <1% 2% <1% 100% <1% 1% <1% <1% 1% 100% 100% 100% 85% 100% 67% 69% 8% <1% 4% 2% 1% <1% 5% <1% <1% 2% <1% 2% 2% 2% <1% <1% <1% 2% <1% <1% 3% <1% <1% 3% 2% <1% 3% 1% 1% 2% <1% 3% 5% 2% 1% 2% 2% <1%

Louisiana Adj Loss Ratio 0% 90% 2% -133% 303% 44% 41% 60% 71% 43% 52% 20% 9% 26% 101% 43% 16% 36% 83% 10% 38% 11% 37% 1011% 29% 24% 49% -761% 60% 132% 38% 65% 59% 4% 0% 32% 0% 10% 15% 61% 55% 0% 62% 26% 41% 24% 75% 56% 45% -45% 38% 41% 31% 261% 428% 20% -214% 81% 92% 48% 39% -100% 14% 4% 43% -15% 144% 0% 34% 71% 114% 81% -1% 7% 16% 8% 20% 178% 38% 5% 0% 116% 64%

Louisiana Marketplace Report

Page 64

Policy-Issuing Insurer

Insurer Group (if any)

2023 Louisiana Premium

National Catholic RRG, Inc. National Fire & Marine Insurance Co National Fire and Indemnity Exchange National Fire Insurance Co of Hartford National General Assurance Company National General Insurance Company National Guardian RRG , Inc National Indemnity Company National Interstate Insurance Company National Liability & Fire Insurance Co National Mortgage Insurance Corporation National Specialty Insurance Company National Surety Corporation National Trust Insurance Company National Union Fire Ins Co Pittsburgh PA Nationwide Agribusiness Insurance Co Nationwide Mutual Insurance Company Natl Independent Truckers Ins Co, A RRG NAU Country Insurance Company Nautilus Insurance Company Navigators Insurance Company Navigators Specialty Insurance Company NCMIC Insurance Company New Hampshire Insurance Company New Home Warranty Insurance Co, A RRG New York Marine and General Insurance Co Next Insurance US Company NGM Insurance Company NLADA Mutual Insurance Company, a RRG Noblr Reciprocal Exchange NORCAL Insurance Company NORCAL Specialty Insurance Company NorGUARD Insurance Company Normandy Insurance Company, Inc. North Light Specialty Insurance Company North Pointe Insurance Company North River Insurance Company Northfield Insurance Company NOVA Casualty Company Nuovo Indemnity RRG, Inc. Nutmeg Insurance Company Oak River Insurance Company OBI America Insurance Company OBI National Insurance Company Obsidian Insurance Company Obsidian Specialty Insurance Company Occidental Fire and Casualty Co of NC Ocean Harbor Casualty Insurance Company Ocean Marine Indemnity Company Ohio Casualty Insurance Company Ohio Indemnity Company Ohio Security Insurance Company Oklahoma Surety Company Old American Indemnity Company Old Glory Insurance Company Old Republic General Insurance Corp Old Republic Insurance Company Old Republic Union Insurance Company Omni Insurance Company OMS National Insurance Company, RRG OOIDA Risk Retention Group, Inc. Ophthalmic Mutual Insurance Co (A RRG) Overdrive Risk Retention Group, LLC Pacific Employers Insurance Company Pacific Indemnity Company Pacific Insurance Company, Limited Palmetto Surety Corporation Palms Specialty Insurance Company, Inc. Palomar Excess and Surplus Insurance Co Palomar Specialty Insurance Company Park Wood Risk Retention Group, Inc. PCH Mutual Insurance Company Inc., A RRG Peerless Indemnity Insurance Company Peerless Insurance Company Peleus Insurance Company Penn Millers Insurance Company Penn-America Insurance Company Pennsylvania Insurance Company Pennsylvania Lumbermens Mutual Ins Co Pennsylvania Manufacturers Indemnity Co Pennsylvania Manufacturers' Assoc Ins Co Permanent General Assurance Corporation Petroleum Casualty Company

...

Berkshire Hathaway Insurance Group ...

CNA Insurance Companies Allstate Insurance Group Allstate Insurance Group ...

Berkshire Hathaway Insurance Group Great American P & C Insurance Group Berkshire Hathaway Insurance Group National Mortgage Insurance Group Markel Insurance Group Allianz US PC Insurance Companies FCCI Insurance Group American International Group Nationwide Property & Casualty Group Nationwide Property & Casualty Group ...

QBE North America Insurance Group W. R. Berkley Insurance Group Hartford Insurance Group Hartford Insurance Group NCMIC Group American International Group ...

Coaction Specialty Insurance Group ...

American Family Insurance Group MLM Group USAA Group ProAssurance Group ProAssurance Group Berkshire Hathaway Insurance Group ...

Allstate Insurance Group QBE North America Insurance Group Fairfax Financial (USA) Group Travelers Group Hanover Ins Group Prop & Cas Cos ...

Hartford Insurance Group Berkshire Hathaway Insurance Group Intact US Insurance Group Intact US Insurance Group Obsidian Insurance Group Obsidian Insurance Group IAT Insurance Group Ocean Harbor Insurance Companies ...

Liberty Mutual Insurance Companies ...

Liberty Mutual Insurance Companies Great American P & C Insurance Group Old American Capital Group ...

Old Republic Insurance Group Old Republic Insurance Group Old Republic Insurance Group American Independent Companies National Group ... ... ...

Chubb INA Group Chubb INA Group Hartford Insurance Group ... ...

Palomar Holdings US Group Palomar Holdings US Group ... ...

Liberty Mutual Insurance Companies Liberty Mutual Insurance Companies BAMR US PC Group Chubb INA Group Global Indemnity Group AU Holding Company Group ...

Old Republic Insurance Group Old Republic Insurance Group American Family Insurance Group ...

$544,000 $113,845,000 $126,000 $10,576,000 $1,736,000 $244,000 $4,465,000 $1,000 $13,849,000 $12,308,000 $5,437,000 $6,721,000 $95,000 $4,394,000 $136,760,000 $4,583,000 $15,427,000 $730,000 $80,799,000 $38,866,000 $13,433,000 $5,897,000 $395,000 $11,813,000 $32,000 $9,286,000 $4,800,000 $41,000 $107,000 $540,000 $483,000 $32,000 $4,664,000 $268,000 $28,227,000 $1,264,000 $5,232,000 $3,995,000 $6,257,000 $902,000 $3,193,000 $84,000 $7,000 $803,000 $768,000 $3,021,000 $34,622,000 $22,540,000 $145,000 $12,244,000 $2,828,000 $41,693,000 $7,000 $69,789,000 $38,000 $4,000 $45,638,000 $18,978,000 $1,000 $649,000 $3,082,000 $805,000 $54,000 $312,000 $2,948,000 $3,090,000 $1,914,000 $130,000 $2,794,000 $109,000 $607,000 $10,000 $16,000 $471,000 $2,783,000 $4,550,000 $11,804,000 $808,000 $11,532,000 $1,325,000 $8,075,000 $9,419,000 $165,000

2022 to 2023 Premium Change 5% 73% -7% -1% -11% -45% 5% -92% 19% 18% 8% -5% 20% -31% 15% -29% 29% 11% 15% 9% 13% -20% 1% 9% -52% 11% 8% -69% N/A 82% -1% -67% -5% 396% 40% 72% 23% -8% 3% -9% 47% 24% N/A -11% 6300% 85% 9% 18% N/A 7% 5% -8% 0% 26% 81% -99% 12% 35% -98% 10% -22% 7% 69% 68% -29% 14% -6% N/A -23% 137% 5% 0% -1700% 6% -33% -5% 12% 35% 11% -51% -3% 12% -13%

Louisiana to Grand Total % 2% 3% 2% 2% 1% <1% 14% <1% 2% 1% <1% 2% <1% 3% 2% <1% <1% 11% 2% 4% 1% <1% <1% 2% <1% 2% 3% <1% 1% 4% <1% <1% <1% <1% 23% 2% <1% 1% 3% 24% 1% <1% 1% 2% 1% <1% 5% 4% 100% <1% <1% 2% <1% 50% 17% <1% 2% 4% <1% <1% 13% 1% 1% <1% <1% 2% 10% <1% <1% <1% 12% <1% <1% 6% 1% 2% 10% 1% 3% <1% 1% 1% 11%

Louisiana Adj Loss Ratio -18% 37% 39% 19% -115% 87% 13% -25% 73% 54% 6% 76% -319% 24% 34% 135% 60% 21% 116% 48% 101% 27% -7% 37% 119% 218% 67% 8% 23% 188% 134% 212% 61% 15% 17% 57% 47% 46% 130% 14% 90% 18% -20% 64% 55% 31% 51% 53% 90% 38% 60% 56% -100% 55% -56% -46760% 105% 45% -300% -4% 20% 22% 13% 940% 84% -52% 18% 54% 48% -2207% 8% 30% -105% 20% 52% 138% 46% 16% 62% 35% 14% 60% -304%

Louisiana Marketplace Report

Page 65

Policy-Issuing Insurer

Insurer Group (if any)

2023 Louisiana Premium

Pharmacists Mutual Insurance Company Philadelphia Indemnity Insurance Company Phoenix Insurance Company Plateau Casualty Insurance Company Platte River Insurance Company PMI Mortgage Insurance Co. PracticeProtection Insurance Co (a RRG) Praetorian Insurance Company Preferra Insurance Company RRG Preferred Professional Insurance Company Prescient National Insurance Company Prime Insurance Company Princeton Excess & Surplus Lines Ins Co Privilege Underwriters Reciprocal Exch ProAssurance Insurance Co of America ProAssurance Specialty Insurance Company ProCentury Insurance Company Producers Agriculture Insurance Company Professional Security Insurance Company Professional Solutions Ins Co Professional Transportation RRG, Inc. Progressive Paloverde Insurance Company Progressive Property Insurance Company Progressive Security Insurance Company Property and Casualty Ins Co of Hartford ProSelect Insurance Company Protective Insurance Company Protective Property & Casualty Ins Co Protective Specialty Insurance Company PURE Specialty Exchange QBE Insurance Corporation QBE Specialty Insurance Company R.V.I. America Insurance Company Radian Guaranty Inc. Recover Insurance Company RRG, Inc. Redwood Fire and Casualty Insurance Co Regent Insurance Company Republic Mortgage Insurance Company Republic-Vanguard Insurance Company Repwest Insurance Company Restoration Risk Retention Group, Inc. Retailers Casualty Insurance Company Richmond National Insurance Company Riverport Insurance Company RLI Insurance Company Roche Surety and Casualty Company, Inc. Rock Ridge Insurance Company Rockingham Specialty, Inc. Rockwood Casualty Insurance Company Root Insurance Company RSUI Indemnity Company Rural Community Insurance Company Rural Trust Insurance Company Rush Fire Insurance Company Safe Auto Insurance Company Safeco Insurance Company of America Safeco Insurance Company of Oregon Safepoint Insurance Company SafePort Insurance Company Safety First Insurance Company Safety National Casualty Corporation Safety Specialty Insurance Company Safeway Insurance Company of Louisiana Sagamore Insurance Company Samsung F & M Insurance Co, Ltd USB Scottsdale Indemnity Company Scottsdale Insurance Company Securian Casualty Company Security National Insurance Company Security Plan Fire Insurance Company Selective Insurance Co of the Southeast Seneca Insurance Company, Inc. Seneca Specialty Insurance Company Sentinel Insurance Company, Ltd. Sentruity Casualty Company Sentry Casualty Company Sentry Insurance Company Sentry Select Insurance Company Sequoia Insurance Company Service American Indemnity Company Service Lloyds Insurance Co, a Stock Co SFM Mutual Insurance Company Shelter General Insurance Company

Pharmacists Mutual Insurance Group Tokio Marine US PC Group Travelers Group ...

Berkshire Hathaway Insurance Group PMI Mortgage Group PracticeProtection Group QBE North America Insurance Group ...

Coverys Companies ...

Prime Insurance Group Munich-American Holding Corp Companies Tokio Marine US PC Group ProAssurance Group ProAssurance Group AF Group Tokio Marine US PC Group MAG Mutual Companies NCMIC Group ...

Progressive Insurance Group Progressive Insurance Group Progressive Insurance Group Hartford Insurance Group Coverys Companies Progressive Insurance Group ...

Progressive Insurance Group Tokio Marine US PC Group QBE North America Insurance Group QBE North America Insurance Group ...

Radian Group ...

Berkshire Hathaway Insurance Group QBE North America Insurance Group Old Republic Insurance Group AmTrust Group AMERCO Property and Casualty Ins Group ... ... ...

W. R. Berkley Insurance Group RLI Group ...

Clear Blue Insurance Group Rockingham Group BAMR US PC Group Root Insurance Group Berkshire Hathaway Insurance Group Zurich Insurance US PC Group ... ...

Allstate Insurance Group Liberty Mutual Insurance Companies Liberty Mutual Insurance Companies Safepoint Insurance Group IAT Insurance Group Tokio Marine US PC Group Tokio Marine US PC Group Tokio Marine US PC Group Safeway Insurance Group Progressive Insurance Group ...

Nationwide Property & Casualty Group Nationwide Property & Casualty Group ...

AmTrust Group ...

Selective Insurance Group Fairfax Financial (USA) Group Fairfax Financial (USA) Group Hartford Insurance Group ...

Sentry Insurance Group Sentry Insurance Group Sentry Insurance Group AmTrust Group Service Insurance Group Service Insurance Group SFM Companies Shelter Insurance Companies

$2,856,000 $6,377,000 $33,272,000 $2,921,000 $261,000 $289,000 $1,000 $4,175,000 $178,000 $611,000 $89,000 $11,487,000 $19,756,000 $48,159,000 $1,010,000 $1,165,000 $1,025,000 $213,000 $103,000 $764,000 $1,516,000 $538,701,000 $130,519,000 $729,650,000 $8,774,000 $925,000 $8,579,000 $66,000 $1,145,000 $2,437,000 $19,217,000 $13,274,000 $5,000 $13,770,000 $431,000 $2,215,000 $2,555,000 $105,000 $6,740,000 $1,288,000 $473,000 $12,783,000 $2,410,000 $152,000 $23,256,000 $54,000 $461,000 $1,505,000 $284,000 $20,812,000 $16,535,000 $4,111,000 $2,742,000 $313,000 $365,000 $90,204,000 $133,224,000 $121,009,000 $39,148,000 $456,000 $15,958,000 $925,000 $69,469,000 $140,000 $3,376,000 $540,000 $93,223,000 $8,234,000 $3,280,000 $2,183,000 $15,320,000 $280,000 $1,377,000 $4,167,000 $6,223,000 $846,000 $2,946,000 $11,255,000 $1,344,000 $1,602,000 $593,000 $56,000 $5,077,000

2022 to 2023 Premium Change -23% 25% 13% 8% -33% -26% 0% 5% -2% -1% 11% 46% 17% 6% -3% 35% -5% -61% -11% 11% 9375% 24% 11% 14% 9% -35% 45% 27% 346% 31% -2% -36% -91% -7% -3% -16% 33% -24% 35% -2% -9% -12% 500% -55% 4% -11% -61% 25% 294% -37% 6% 0% -3% -35% -66% 18% 2% 56% 60% -47% 12% 61% 14% 30% 38% 6% -12% 17% 45% -65% 10% -15% 17% 2% 6% -35% 17% 10% 67% 4% 40% 12% 24%

Louisiana to Grand Total % 2% <1% 2% 4% <1% 1% <1% <1% <1% <1% <1% 6% 2% 2% 1% <1% 2% <1% <1% 1% 19% 54% 100% 100% 1% <1% 1% <1% 12% 4% 1% 1% <1% 1% 14% <1% 3% <1% 2% 2% 2% 49% 2% <1% 3% 2% <1% 3% <1% 4% 3% <1% 8% 100% <1% 2% 24% 40% 27% 1% 1% 1% 100% <1% 2% <1% 4% 2% <1% 100% 2% <1% <1% <1% 3% <1% <1% 1% <1% <1% <1% <1% 6%

Louisiana Adj Loss Ratio 57% 296% 64% 27% -13% -80% 0% 60% 3% 179% 0% 86% 37% 58% 56% 53% 28% 536% 12% 25% 28% 63% 25% 59% 24% 0% 90% 0% 58% 16% 148% 385% 0% -11% 134% 136% -2% -178% 33% -55% 66% 12% 56% 1% 43% 0% 69% 0% 24% 54% 37% 85% 6% 8% 72% 60% 64% 36% 14% 240% 37% 408% 67% 38% 59% -2% 104% 31% 68% 28% 5% 10% 106% -39% 52% 75% 207% 27% 37% 32% 8% 6% 74%

Louisiana Marketplace Report

Page 66

Policy-Issuing Insurer

Insurer Group (if any)

2023 Louisiana Premium

Shelter Mutual Insurance Company Shield Indemnity Incorporated Sierra Specialty Insurance Company Silver Oak Casualty, Inc. SiriusPoint America Insurance Company SiriusPoint Specialty Insurance Corp Skyraider Risk Retention Group, Inc. Sompo America Fire & Marine Ins Co Sompo America Insurance Company Southern Farm Bureau Casualty Ins Co Southern Insurance Company Southlake Specialty Insurance Company Southwind Risk Retention Group, Inc. Spartan Insurance Company Specialty Builders Insurance Company Spinnaker Insurance Company Spinnaker Specialty Insurance Company Spirit Mountain Ins Co RRG, Inc. St. Paul Fire and Marine Insurance Co St. Paul Guardian Insurance Company St. Paul Mercury Insurance Company St. Paul Surplus Lines Insurance Company Standard Fire Insurance Company Star Insurance Company StarNet Insurance Company Starr Indemnity & Liability Company Starr Specialty Insurance Company Starr Surplus Lines Insurance Company StarStone National Insurance Company StarStone Specialty Insurance Company State Farm Fire and Casualty Company State Farm General Insurance Company State Farm Mutual Automobile Ins Co State National Insurance Company, Inc. Steadfast Insurance Company STICO Mutual Insurance Company, RRG Stillwater Insurance Company Stonegate Insurance Company Stonetrust Commercial Insurance Company Stonetrust Premier Casualty Insurance Co Stonewood Insurance Company Stonington Insurance Company Stratford Insurance Company Summit Specialty Insurance Company Sun Surety Insurance Company SUNZ Insurance Company Superior Specialty Insurance Company SureChoice Underwriters Reciprocal Exch SureTec Insurance Company Sutton National Insurance Company Sutton Specialty Insurance Company Swiss Re Corporate Solutions America Ins Swiss Re Corporate Solutions Capacity Swiss Re Corporate Solutions Elite Ins Swiss Re Corporate Solutions Premier Ins T.H.E. Insurance Company TDC National Assurance Company TDC Specialty Insurance Company Teachers Insurance Company Technology Insurance Company, Inc. Terra Insurance Company (A RRG) Terrafirma RRG LLC Texas Insurance Company The Gray Casualty & Surety Company The Gray Insurance Company The Hanover American Insurance Company The Hanover Insurance Company Third Coast Insurance Company Timber Creek Casualty Ins Co, Inc, A RRG Titan Insurance Company, Inc., A RRG TNUS Insurance Company Tokio Marine America Insurance Company Tokio Marine Specialty Insurance Company Topa Insurance Company Tower Hill Prime Insurance Company Toyota Motor Insurance Company Transamerica Casualty Insurance Company TRANSGUARD INSURANCE COMPANY OF AMERICA Transportation Insurance Company TravCo Insurance Company Travelers Casualty and Surety Co of Amer Travelers Casualty and Surety Company Travelers Casualty Ins Co of America

Shelter Insurance Companies Universal Shield Insurance Group AmTrust Group AMERISAFE Insurance Group SiriusPoint America Insurance Group SiriusPoint America Insurance Group ...

Sompo Holdings US Group Sompo Holdings US Group Southern Farm Bureau Casualty Group AmTrust Group Southlake Insurance Group ... ...

Builders Insurance Group Spinnaker Insurance Group Spinnaker Insurance Group ...

Travelers Group Travelers Group Travelers Group Travelers Group Travelers Group AF Group W. R. Berkley Insurance Group Starr International Group Starr International Group Starr International Group Core Specialty Insurance Group Core Specialty Insurance Group State Farm Group State Farm Group State Farm Group Markel Insurance Group Zurich Insurance US PC Group ...

Stillwater Insurance Group Producers National Group Stonetrust Insurance Group Stonetrust Insurance Group James River Group QBE North America Insurance Group American International Group ReAlign Insurance Group ... ...

Markel Insurance Group Forza Insurance Group Markel Insurance Group Sutton National Group Sutton National Group Swiss Reinsurance Group Swiss Reinsurance Group Swiss Reinsurance Group Swiss Reinsurance Group XL America Companies Doctors Company Insurance Group Doctors Company Insurance Group Horace Mann Insurance Group AmTrust Group ... ...

AU Holding Company Group ...

The Gray Insurance Group Hanover Ins Group Prop & Cas Cos Hanover Ins Group Prop & Cas Cos AF Group ...

Titan Insurance Group Tokio Marine US PC Group Tokio Marine US PC Group Tokio Marine US PC Group Topa Insurance Group Tower Hill Group ... ...

IAT Insurance Group CNA Insurance Companies Travelers Group Travelers Group Travelers Group Travelers Group

$161,264,000 $6,544,000 $226,000 $7,267,000 $14,505,000 $3,892,000 $20,000 $158,000 $22,084,000 $117,889,000 $135,000 $68,000 $2,099,000 $117,000 $161,000 $3,035,000 $17,662,000 $96,000 $682,000 $395,000 $125,000 $103,000 $12,438,000 $3,162,000 $5,337,000 $75,415,000 $881,000 $57,725,000 $14,501,000 $58,685,000 $887,620,000 $15,458,000 $1,662,627,000 $4,711,000 $33,083,000 $13,000 $295,000 $3,327,000 $21,156,000 $236,000 $3,000 $258,000 $9,018,000 $2,531,000 $58,000 $1,740,000 $191,000 $170,012,000 $3,349,000 $180,000 $11,375,000 $20,254,000 $27,281,000 $11,726,000 $83,000 $1,876,000 $392,000 $3,461,000 $12,478,000 $16,636,000 $374,000 $2,000 $4,981,000 $5,787,000 $71,925,000 $3,204,000 $32,548,000 $2,832,000 $9,687,000 $62,000 $2,000 $14,836,000 $5,874,000 $966,000 $16,402,000 $291,000 $23,000 $8,268,000 $11,431,000 $111,000 $68,921,000 $12,160,000 $6,322,000

2022 to 2023 Premium Change 17% 347% N/A -11% 79% 69% 0% 48% 14% 136% 255% 48% 54% 1% N/A 83% 208% 7% 228% 262% -24% -42% 5% -15% -8% 17% -27% 2% 16% 54% 14% 4% 16% -25% 13% 8% 4% 41% -6% -43% -75% 57% 7% 145% -2% 24% N/A 66% 36% N/A 155% 69% 39% -13% -54% 6% -30% -13% 21% -4% 24% 100% 149% 37% 8% -73% 38% 138% 1745% 27% -80% 3% 0% N/A -2% 38% -12% 29% 33% -5% 30% 17% 7%

Louisiana to Grand Total % 7% 34% <1% 29% 2% 1% 2% <1% 3% 22% <1% <1% 7% 3% <1% <1% 10% 3% <1% <1% <1% <1% <1% 1% 1% 2% <1% 2% 3% 4% 3% <1% 3% <1% 2% <1% <1% 7% 40% 19% <1% 1% <1% 2% 2% 1% <1% 30% 3% <1% 4% 1% 4% 1% <1% 4% <1% 2% 6% <1% 3% <1% <1% 16% 58% 1% 2% 1% 76% <1% <1% 3% 2% 1% 10% <1% 5% 4% 3% <1% 2% 3% <1%

Louisiana Adj Loss Ratio 73% 37% 62% 25% 78% 57% 0% 18% -7% 98% -506% 75% 36% 0% 97% 19% 3% 28% 229% 23% 130% -58% 41% 3% 25% 61% 33% 75% 143% 50% 63% 87% 71% 26% 52% 9% -62% 12% 19% 25% -200% 2641% 82% 36% 0% 21% -56% 18% 26% 26% 17% 48% -14% -2% 14% 88% 39% 66% 50% 72% 1% 0% 34% 3% 60% 62% 73% 516% 28% 0% -500% 81% 70% 130% 38% 46% 4% 33% 42% 93% 16% 50% 49%

Louisiana Marketplace Report

Page 67

Policy-Issuing Insurer

Insurer Group (if any)

2023 Louisiana Premium

Travelers Excess and Surplus Lines Co Travelers Home and Marine Ins Co Travelers Indemnity Co of America Travelers Indemnity Co of Connecticut Travelers Indemnity Company Travelers Property Casualty Co of Amer Tri-State Insurance Company of Minnesota Trisura Insurance Company Trisura Specialty Insurance Company Triton Insurance Company Triumphe Casualty Company Truck Insurance Exchange Trumbull Insurance Company Twin City Fire Insurance Company U.S. Specialty Insurance Company Union Insurance Company Union Insurance Company of Providence Union National Fire Insurance Company United Casualty and Surety Insurance Co United Educators Ins, a Reciprocal RRG United Financial Casualty Company United Fire & Casualty Company United Fire & Indemnity Company United Guaranty Residential Insurance Co United National Insurance Company United Services Automobile Association United Specialty Insurance Company United States Fire Insurance Company United Wisconsin Insurance Company Unitrin Auto and Home Insurance Company Unitrin Safeguard Insurance Company Universal Fire & Casualty Insurance Co Universal Surety of America Universal Underwriters Insurance Company Upland Specialty Insurance Company USAA Casualty Insurance Company USAA General Indemnity Company Utica Mutual Insurance Company UV Insurance Risk Retention Group, Inc. Valley Forge Insurance Company Vanliner Insurance Company Vantage Risk Assurance Company Vantage Risk Specialty Insurance Company Vantapro Specialty Insurance Company Vault E&S Insurance Company Vault Reciprocal Exchange Velocity Specialty Insurance Company Verlan Fire Insurance Company Versant Casualty Insurance Company Victor Insurance Exchange Vigilant Insurance Company Virginia Surety Company, Inc. Voyager Indemnity Insurance Company Watford Insurance Company Watford Specialty Insurance Company Waypoint Mutual WCF National Insurance Company Wellfleet Insurance Company Wellfleet New York Insurance Company Wesco Insurance Company West American Insurance Company West Bend Insurance Company Westchester Fire Insurance Company Westchester Surplus Lines Insurance Co Western Pacific Mutual Ins Co, A RRG Western Surety Company Western World Insurance Company Westfield Insurance Company Westfield Specialty Insurance Company Wilshire Insurance Company Woodlands Risk Retention Group, Inc. Work First Casualty Company Wright National Flood Insurance Company XL Insurance America, Inc. XL Specialty Insurance Company Zenith Insurance Company Zurich American Insurance Co of Illinois Zurich American Insurance Company

Travelers Group Travelers Group Travelers Group Travelers Group Travelers Group Travelers Group W. R. Berkley Insurance Group Trisura US Insurance Group Trisura US Insurance Group ...

Great American P & C Insurance Group Farmers Insurance Group Hartford Insurance Group Hartford Insurance Group Tokio Marine US PC Group W. R. Berkley Insurance Group EMC Insurance Companies Kemper PC Companies ... ...

Progressive Insurance Group United Fire & Casualty Group United Fire & Casualty Group Arch Insurance Group Global Indemnity Group USAA Group Markel Insurance Group Fairfax Financial (USA) Group AF Group Kemper PC Companies Kemper PC Companies Universal Shield Insurance Group CNA Insurance Companies Zurich Insurance US PC Group ...

USAA Group USAA Group Utica National Insurance Group ...

CNA Insurance Companies Great American P & C Insurance Group Vantage US Group Vantage US Group Fairfax Financial (USA) Group Vault Insurance Group Vault Insurance Group ...

Hanover Ins Group Prop & Cas Cos ... ...

Chubb INA Group Assurant P&C Group Assurant P&C Group Watford US Insurance Group Watford US Insurance Group Waypoint Mutual Group WCF Insurance Group Berkshire Hathaway Insurance Group Berkshire Hathaway Insurance Group AmTrust Group Liberty Mutual Insurance Companies ...

Chubb INA Group Chubb INA Group ...

CNA Insurance Companies American International Group Westfield Group Westfield Group IAT Insurance Group ... ... ...

XL America Companies XL America Companies Fairfax Financial (USA) Group Zurich Insurance US PC Group Zurich Insurance US PC Group

$12,940,000 $32,000 $19,179,000 $33,393,000 $33,847,000 $116,349,000 $4,936,000 $5,740,000 $20,144,000 $2,836,000 $1,797,000 $5,000 $12,087,000 $12,730,000 $38,493,000 $1,676,000 $343,000 $7,581,000 $49,000 $6,194,000 $25,732,000 $25,434,000 $16,716,000 $1,459,000 $1,378,000 $180,246,000 $28,019,000 $28,056,000 $4,793,000 $2,116,000 $2,452,000 $488,000 $3,000 $510,000 $7,542,000 $153,954,000 $175,996,000 $124,000 $768,000 $14,781,000 $1,564,000 $174,000 $3,138,000 $5,543,000 $2,404,000 $4,165,000 $9,508,000 $1,037,000 $39,000 $3,002,000 $5,692,000 $509,000 $3,790,000 $865,000 $2,000 $86,000 $223,000 $1,931,000 $1,051,000 $30,655,000 $5,457,000 $413,000 $12,033,000 $86,399,000 $21,000 $10,335,000 $26,194,000 $714,000 $11,854,000 $7,095,000 $122,000 $40,000 $98,111,000 $25,189,000 $41,396,000 $1,103,000 $7,795,000 $201,532,000

2022 to 2023 Premium Change 37% -3% 0% 2% 0% 11% 1% 135% 16% 5% 79% 67% 27% 9% -15% 137% -20% -7% -22% 3% 9% 31% 17% -26% -58% 15% 80% -14% 134% -42% -47% -6% 0% -24% 42% 20% 25% 23% 4% 10% -20% 480% 21% 10% 60% -52% N/A 11% 22% N/A 3% -24% 23% 609% -98% 19% -69% -18% 111% 14% -29% 8% 17% 27% -22% 46% 36% 1% 114% -25% -24% 300% 6% 36% 16% 31% -16% 20%

Louisiana to Grand Total % 1% <1% 1% 2% 1% 2% 2% 2% 2% 2% 3% <1% <1% <1% 4% <1% <1% 58% <1% 2% <1% 4% 100% 1% 2% 2% 3% 1% 2% 4% 2% <1% <1% <1% 3% 2% 3% <1% 50% 2% <1% <1% <1% 6% 2% 4% 8% <1% <1% 6% 1% <1% 2% 5% <1% <1% <1% <1% <1% 1% 1% <1% 2% 5% <1% 2% 6% <1% 2% 4% 17% <1% 11% 2% 1% <1% 3% 2%

Louisiana Adj Loss Ratio 36% 34% 66% 49% 104% 64% 33% 50% 104% 33% 36% -500% 51% 91% 92% 37% 84% 19% 20% 32% 43% 72% 67% -71% 184% 76% 43% 64% 38% 68% 94% 31% -33% 69% 83% 66% 62% 28% 66% 12% 27% 59% 49% 66% 2% 71% 117% 11% 0% 0% 32% 37% 68% 41% 3833% 66% 210% 71% 49% 64% 94% 13% 58% 25% -36% 207% 38% 3% 31% 133% 230% -10% -3% 73% 96% 19% 9% 51%

Page 69

This 2024 Louisiana Annual P&C Marketplace Summary has provided the reader with both visual and numeric presentations of 2023 Louisiana P&C marketplace data. This data is provided to you as a benefit of your membership with the Independent Insurance Agents & Brokers of Louisiana.

Two additional, informative products are available from Real Insurance Solutions Consulting, which also may be available to you as members: Quarterly state marketplace summaries are made available during the calendar year, as the data is reported by P&C insurers becomes available.

Individual P&C Insurer Snapshots are available, based on the same data provided in the annual and quarterly summaries, with in-depth data and information provided both on a national and Louisianaspecific basis..

All questions and comments, or need for further analysis are welcomed at the contact information below.

P&C Insurance Industry Analysis Provided by: Real Insurance Solutions Consulting, LLC Paul A. Buse, Principal www.realinsurancesc.com 301-842-7472

P&C Insurance Industry Summary Provided by: Independent Insurance Agents & Brokers of Louisiana Ben Albright, CEO & President www.IIABL.com 225-819-8007

18153 E. Petroleum Drive | Baton Rouge, LA 70809