Commercial Insurance Companies May 2026

: The NAIC market average is 1.0 . A score below 1.0 indicates the company receives fewer complaints than the average carrier of its size.

: Nonprofits are facing significant hurdles; approximately 70% of brokers report that carriers are non-renewing certain classes of nonprofits regardless of their loss history, often with premium increases of 25% or more .

: The Excess & Surplus market now accounts for 9% of the entire property and casualty sector, up from less than 5% five years ago, as specialized risks move toward non-admitted carriers. Essential Commercial Coverage Types COMMERCIAL INSURANCE COMPANIES

To evaluate the reliability of a commercial insurance company, experts recommend reviewing several data points provided by organizations like the National Association of Insurance Commissioners (NAIC) :

: A legal requirement in most states to cover medical bills and lost wages for work-related injuries. : The NAIC market average is 1

Businesses typically secure a combination of the following to manage operational risk:

: Consult AM Best ratings to assess a carrier's ability to pay out long-term claims. : The Excess & Surplus market now accounts

: Review recent J.D. Power rankings for small business satisfaction and claims experience. Strategies for Reducing Premiums Commercial Insurance | The Hartford