Connecticut s Insurance Industry: Economic Impacts & Contributions

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1 Connecticut s Insurance Industry: Economic Impacts & Contributions Prepared by: Connecticut Economic Resource Center, Inc. December Insure Connecticut s Future, Connecticut Insurance and Financial Services Cluster

2 Introduction Insure Connecticut's Future and the Connecticut Insurance and Financial Services Cluster present this study as part of an ongoing effort to quantify the impact of the insurance industry on the economy and, ultimately, on the quality of life in the state of Connecticut. For more information, please visit 2

3 Table of contents Industry definition and size Employment and occupations Wages and salaries Gross state product/value added State economic sectors National competitiveness

4 Insurance carrier industry definition NAICS Code Industry Name Life Insurance Health Insurance Property/Casualty Ins. Re-insurance 4

5 Number of insurance carrier headquarters in CT 17 Life insurance 11 Accident and health insurance 5 Hospital and medical service plans 26 Fire, marine, and casualty insurance 5 Surety insurance 8 Reinsurance Source: D&B Sales & Marketing Solutions, 2006; Connecticut Insurance Department,

6 Connecticut Magazine's list of the 100 largest companies headquartered in the state COMPANY TOWN SALES (000s) 4 4 The Hartford Financial Services Group Hartford $22,693, Aetna Inc. Hartford $19,904, W.R. Berkley Corp Greenwich $4,513, Phoenix Companies Inc. Hartford $2,732, Odyssey Re Holdings Corp. Stamford $2,656, Knights of Columbus Corp. New Haven $850, Independence Holding Co. Stamford $223,000 Source: Ranked according to annual sales,

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10 There were more than 67,000 insurance carrier jobs in Connecticut in 2004 Re-insurance, 2,922 Property/Casualty, 13,288 Life, 29,134 Health, 22,096 Source: U.S. Census Bureau, County Business Patterns 10

11 Insurance employment by county: 1994 and 2004 Region 1994 (SIC) 2004(NAICS) Growth Total Percent Total Percent Connecticut 66,921 67, % Fairfield 6,187 9% 8,528 13% 37.8% Hartford 49,067 73% 49,370 73% 0.6% New Haven 5,421 8% 3,926 6% -27.6% Other 6,246 9% 5,843 9% -6.5% Source: US Census Bureau, County Business Patterns 11

12 CT has triple the U.S. average of insurance carrier jobs 4.0% 3.5% 3.0% 2.5% 2.0% 1.5% Insurance carrier jobs, percent of total state employment % 0.5% 0.0% CT US Source: Moody s Economy.com, BLS 12

13 CT has the highest concentration of insurance carrier jobs in the U.S. 3.5% Employment: Insurance carriers (SA) as a percent of state total 2006 est. 3.0% 2.5% 2.0% 1.5% 1.0% 0.5% 0.0% Alaska Wyoming Louisiana Arkansas Mississippi Montana Nevada West Virginia District Of Columbia New Mexico Utah South Dakota Vermont Virginia Kentucky Hawaii Arizona North Carolina Maryland Tennessee Georgia Washington Kansas California Alabama Oklahoma Michigan Indiana Oregon Texas Florida Idaho Delaware Missouri South Carolina New York Colorado Illinois Maine Rhode Island Pennsylvania Massachusetts North Dakota Ohio New Jersey Minnesota New Hampshire Wisconsin Iowa Nebraska Connecticut Source: Moody s Economy.com 13

14 CT s share of total U.S. employment is just 1.2 percent Total state employment (SA) as a percent of total U.S. employment 2006 est. 12% 11% 10% 9% 8% 7% 6% 5% 4% 3% 2% 1% 0% Source: Moody s Economy.com, BLS 14 Wyoming Vermont Alaska North Dakota South Dakota Montana Delaware Rhode Island Maine Hawaii Idaho New Hampshire District Of Columbia West Virginia New Mexico Nebraska Mississippi Utah Arkansas Nevada Kansas Iowa Oklahoma Connecticut Oregon Louisiana Kentucky South Carolina Alabama Colorado Maryland Arizona Minnesota Missouri Tennessee Washington Wisconsin Indiana Massachusetts Virginia North Carolina Georgia New Jersey Michigan Ohio Pennsylvania Illinois Florida New York Texas California

15 CT s share of total U.S. insurance carrier employment is 3.9 percent State insurance carrier employment (SA) as a percent of total U.S. insurance carrier employment 2006 est. 10% 9% 8% 7% 6% 5% 4% 3% 2% 1% 0% Source: Moody s Economy.com, BLS 15 Wyoming Alaska Montana Vermont South Dakota District Of West Virginia Delaware Hawaii New Mexico North Dakota Arkansas Mississippi Idaho Nevada Rhode Island Louisiana Utah Maine New Kansas Kentucky Oklahoma Oregon Alabama Arizona South Carolina Maryland Nebraska Tennessee Washington Virginia Colorado Indiana Missouri Iowa North Carolina Georgia Michigan Minnesota Massachusetts Wisconsin Connecticut New Jersey Illinois Pennsylvania Ohio Florida New York Texas California

16 The insurance carrier industry has the slowest projected growth rate in the IFS sector Industry Employment 10-Year Change Net Percent Finance and Insurance 120, ,130 10, % Credit Intermediation and Related Activities 31,660 33,320 1, % Securities, Commodity Contracts, Other Financial 18,400 23,850 5, % Insurance Carriers and Related Activities 65,640 68,310 2, % Funds, Trusts, and Other Financial Vehicles 4,750 5, % Source: Connecticut Department of Labor 16

17 Insurance carrier employment has grown 2.4% in CT since 1995 Percent gain/loss in insurance carrier jobs by state, (est.) Bottom 18 States Connecticut Kansas Tennessee Haw aii Texas Massachusetts Alabama New York Maryland Pennsylvania Indiana Delaware Arkansas Illinois Vermont Mississippi District Of Columbia Louisiana U.S. +4.6% % -24.8% -28.3% -15.5% -15.9% -16.9% -18.0% -8.3% -9.1% -10.2% -10.9% -4.5% -0.7% -1.5% -0.1% 0.9% 0.8% 2.4% -35.0% -30.0% -25.0% -20.0% -15.0% -10.0% -5.0% 0.0% 5.0% Source: Moody s Economy.com, BLS 17

18 CT has lagged the U.S. and the Northeast in total employment growth 1.25 Total non-farm employment (SA) growth Index: 1990= Source: Moody s Economy.com Connecticut Northeast US 18

19 Since 1995, CT s reliance on insurance carrier jobs has not changed Insurance carrier jobs as a percent of total state employment Top 5 States 4.00% 3.50% 3.00% 2.50% 2.00% 1.50% 1.00% 0.50% 0.00% New Hampshire Wisconsin Iowa Nebraska Connecticut Source: Moody s Economy.com, BLS 19

20 Occupational employment and wages in the Connecticut insurance carrier industry: 2005 Occupations Estimated Employment Average Wage All Occupations in Insurance Carrier Industry 65,200 $61,846 Management Occupations 6,230 $118,275 Business And Financial Operations Occupations 15,960 $62,135 Computer And Mathematical Occupations 9,840 $73,710 Architecture And Engineering Occupations 90 $78,325 Life, Physical, And Social Science Occupations 560 $72,750 Community And Social Services Occupations 140 $49,120 Legal Occupations 1,050 $100,730 Education, Training, And Library Occupations 20 $67,705 Arts, Design, Entertainment, Sports, And Media Occupations 420 $57,665 Healthcare Practitioners And Technical Occupations 1,170 $62,130 Protective Service Occupations 90 $33,305 Sales And Related Occupations 6,300 $68,295 Office And Administrative Support Occupations 23,170 $37,960 Installation, Maintenance, And Repair Occupations 80 $44,670 Production Occupations 60 $40,520 Transportation And Material Moving Occupations 20 $51,990 Source: Connecticut Department of Labor 20

21 Employment & average wage by occupational group in the insurance carrier industry Employment Average Wage ($1,000) 25,000 20,000 15,000 Estimated Employment Average Wage $140 $120 $100 $80 10,000 5,000 $60 $40 $20 0 $0 21 Office & Administrative Support Business & Financial Operations Computer & Mathematical Sales & Related Management Healthcare & Technical Legal All others Source: Connecticut Department of Labor, 2005

22 Wages and salaries Industry Annual Payroll (000) Life Insurance Health Insurance Property/Casualty Ins. Re-insurance $2,290,766 $2,281,558 $1,037,769 $559,826 Total $6,169,919 Source: U.S. Census, County Business Patterns,

23 CT s share of total U.S. wages is just 1.6 percent Total state wage and salary disbursements as a percent of U.S. total 2006 (est.) 14% 13% 12% 11% 10% 9% 8% 7% 6% 5% 4% 3% 2% 1% 0% Source: Moody s Economy.com, BEA 23 Wyoming Vermont North Dakota South Dakota Montana Alaska Delaware Rhode Island Maine Idaho West Virginia Hawaii New Hampshire New Mexico Nebraska Mississippi Arkansas Utah District Of Columbia Kansas Nevada Iowa Oklahoma Kentucky Oregon South Carolina Louisiana Alabama Connecticut Colorado Wisconsin Missouri Tennessee Arizona Indiana Minnesota Maryland Washington North Carolina Georgia Massachusetts Virginia Michigan New Jersey Ohio Pennsylvania Illinois Florida Texas New York California

24 7% 6% 5% 4% 3% 2% 1% 0% CT s insurance carrier wages represent 6.1 percent of state total, the highest in the U.S. Insurance carrier wage and salary disbursements as a percent of total state wages 2006 est. U.S. Average = 1.5% Alaska Wyoming District Of Columbia West Virginia Louisiana Arkansas Mississippi Montana New Mexico Nevada Utah Hawaii South Dakota Oklahoma Virginia North Carolina Idaho Arizona Michigan Vermont Kentucky Washington Tennessee Kansas Georgia Maryland Texas Oregon Indiana South Carolina California Delaware Missouri Alabama Florida Rhode Island Colorado North Dakota New York Illinois Ohio Maine Pennsylvania New Jersey Massachusetts New Hampshire Wisconsin Minnesota Nebraska Iowa Connecticut Source: Moody s Economy.com 24

25 CT s Gross State Product represents just 1.6 percent of total U.S. Gross Domestic Product Total real GSP as a percent of total U.S. GDP 2006 est. 15% 14% 13% 12% 11% 10% 9% 8% 7% 6% 5% 4% 3% 2% 1% 0% Source: Moody s Economy.com, BEA 25 North Dakota Vermont Wyoming Montana South Dakota Alaska Rhode Island Maine Idaho West Virginia Hawaii Delaware New Hampshire New Mexico Nebraska Mississippi District Of Columbia Arkansas Utah Kansas Oklahoma Nevada Iowa Louisiana Kentucky South Carolina Oregon Alabama Connecticut Missouri Colorado Wisconsin Arizona Tennessee Minnesota Indiana Maryland Washington Massachusetts Virginia North Carolina Georgia Michigan Ohio New Jersey Pennsylvania Illinois Florida Texas New York California

26 CT s share of total U.S. insurance carrier GDP is 6.7 percent State insurance carrier GSP as a percent of total U.S. insurance carrier GDP 2006 est. 10% 9% 8% 7% 6% 5% 4% 3% 2% 1% 0% Wyoming Montana Alaska South West Virginia Vermont North Dakota New Mexico Idaho District Of Arkansas Hawaii Mississippi Louisiana Utah Rhode Island Maine Nevada Oklahoma New Kansas Kentucky Oregon South Alabama Nebraska Tennessee Delaware Arizona Washington Colorado Missouri Maryland Virginia Georgia North Indiana Michigan Iowa Wisconsin Minnesota Massachuset Florida New Jersey Ohio Pennsylvania Texas Illinois Connecticut New York California Source: Moody s Economy.com, BEA 26

27 CT ranks first in GSP generated by insurance carriers Percent share of total state GSP from insurance carrier employment (SA) 2006 est. Top 10 states Connecticut 5.50% Iowa 4.20% Delaware 4.10% Nebraska 2.90% Minnesota 2.60% Wisconsin 2.40% Illinois 1.80% Massachusetts 1.80% Ohio 1.80% New Hampshire 1.70% 0.0% 1.0% 2.0% 3.0% 4.0% 5.0% 6.0% Source: Moody s Economy.com 27

28 CT insurance workers produce more GSP per worker than both the region and the nation $250,000 Real GSP per insurance worker - Connecticut, Northeast and the U.S $200,000 $150,000 $100,000 $50,000 $ US GSP per Worker Insurance Northeast GSP per Worker Insurance Connecticut GSP per Worker Insurance Source: Moody s Economy.com, BEA 28

29 GSP per worker: CT and the U.S. for insurance carriers and all other industries, $250,000 $200,000 CT Insurance Carriers $150,000 CT Other Industries $100,000 U.S. Insurance Carriers $50,000 U.S. Other Industries $ Source: Economy.com (BLS) 29

30 CT has lagged other states in GSP growth since 1995 Percentage change in total GSP, est. 90% 80% 70% 60% 50% U.S. average growth rate = 43% 40% 30% 20% 10% 0% Source: Moody s Economy.com, BEA 30 Louisiana Alaska West Virginia Hawaii Michigan Mississippi Ohio Missouri Illinois Kentucky District Of Columbia Pennsylvania Maine Nebraska North Dakota Alabama Oklahoma Indiana Arkansas Montana South Carolina Kansas Wisconsin Connecticut New Jersey Tennessee Rhode Island Iowa Wyoming Delaware Maryland New York Washington New Mexico South Dakota Georgia Vermont Minnesota Utah North Carolina Massachusetts Virginia Florida Texas New Hampshire California Oregon Colorado Idaho Nevada Arizona

31 CT has lagged most states in insurance carrier GSP growth since 1995 Percentage change in insurance carrier GSP, est. 180% 160% 140% 120% 100% 80% 60% U.S. average growth rate = 35%% 40% 20% 0% -20% Source: Moody s Economy.com, BEA 31 Louisiana Mississippi Delaware Illinois Vermont Arkansas Indiana Nebraska Connecticut Kansas Massachusetts Missouri Pennsylvania Rhode Island West Virginia Arizona Ohio Maryland Michigan New Utah Tennessee Wisconsin Hawaii Washington Texas Georgia District Of New Jersey Alabama New York Virginia South Dakota Oregon Montana North Oklahoma South Florida Wyoming California Maine Idaho Colorado Alaska Minnesota North Dakota Iowa New Mexico Kentucky Nevada

32 Gross product originating from insurance carriers (Value Added) In 2004, the total value added by the insurance carrier industry in Connecticut was about $12.2 billion, which represented about 6.7 percent of total GSP in that year. Value added is an industry s gross output (sales, receipts, other operating income, commodity taxes, inventory change) minus its intermediate inputs (consumption of goods and services imported or purchased from other U.S. industries). Source: Bureau of Economic Analysis,

33 Insurance industry purchases Every year insurance carriers purchase, on average, just under $1 billion in goods and services from other industries in Connecticut. Source: IMPLAN,

34 Industry multipliers One new job in the insurance industry results in an additional 1.35 jobs in the Connecticut economy. An increase of $1 in labor income in the insurance carrier industry results in an additional $0.76 in Connecticut s economy. Increasing sales by $1 in Connecticut s insurance carrier industry results in an additional increase of $0.77 in other industries in Connecticut. Source: IMPLAN,

35 Taxes paid by the insurance carrier industry Personal wage taxes: $210 million (2004 estimate) Premiums taxes: $244 million ( ) Local property taxes: significant At least 18 towns have insurance companies as top five taxpayers (2004) Source: Connecticut Department of Revenue Services 35

36 The insurance carrier industry by the numbers Employment # 67,000 % CT 4.4% Wages & salaries GSP Total sales $6,169,919 $13 billion $14.7 billion 8.5% 6.4% 5.0% Sources: U.S. Census, County Business Patterns; Moody s Economy.com; IMPLAN,

37 Finance and insurance is the 4 th largest industry sector in CT E M P L O Y M E N T Industry Sector Health care and social assistance # 237,579 % 15.5% Retail trade Manufacturing Finance & insurance Accommodation & food services 197, , , , % 12.3% 8.9% 8.1% Source: U.S. Dept. of Commerce, Bureau of Census and Bureau of Economic Analysis,

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39 Finance and insurance is the largest industry in terms of salary and wages A N N U A L P A Y R O L L Industry Sector # % Health care and social assistance $8,967, % Retail trade $5,024, % Manufacturing $9,578, % Finance & insurance $14,967, % Accommodation & food services $2,284, % Source: U.S. Dept. of Commerce, Bureau of Census and Bureau of Economic Analysis,

40 Finance and insurance is the largest sector in terms of GSP G S P Industry Sector # % Health care and social assistance $13, % Retail trade $11, % Manufacturing $20, % Finance & insurance $29, % Accommodation & food services $3, % Source: U.S. Dept. of Commerce, Bureau of Census and Bureau of Economic Analysis,

41 The finance and insurance sector is a significant part of the CT economy FINANCE & INSURANCE # % Employment 137, % Annual Payroll $14,967, % GSP $29, % Source: U.S. Dept. of Commerce, Bureau of Census and Bureau of Economic Analysis, 2002,

42 The insurance carrier industry is a vital part of CT s economic base 1 of 2 Top 5 states by industry segment; 1.0 is U.S. average Life Connecticut: 5.85 Iowa: 4.02 Wisconsin: 2.87 Maine: 2.64 New Hampshire: 2.19 Health and Medical Connecticut: 3.88 Nebraska: 2.59 Pennsylvania: 2.00 Minnesota: 1.72 Maryland: is U.S. average. This means, for example, that the life insurance carrier industry is nearly six (6) times as important to Connecticut s economy as it is to the U.S. economy as a whole. Source: U.S. Census, County Business Patterns 2004; Note: Some states not included in analysis due to suppressions. 42

43 The insurance carrier industry is a vital part of CT s economic base 2 of 2 Top 5 states by industry segment; 1.0 is U.S. average Property/Casualty Illinois: 1.97 Connecticut: 1.70 Nebraska: 1.67 Ohio: 1.62 New Hampshire: 1.60 Re-insurance Connecticut: 9.67 New Jersey: 2.92 Missouri: 2.67 Pennsylvania: 2.26 Maryland: is U.S. average. This means, for example, that the re-insurance industry is more than nine (9) times as important to Connecticut s economy as it is to the U.S. economy as a whole. Source: U.S. Census, County Business Patterns 2004; Note: Some states not included in analysis due to suppressions. 43

44 CT and Iowa have the same total employment growth trends Total employment (SA) jobs, CT vs. Iowa (Thousands - SA) ,800 1,700 Connecticut Iowa 1,600 1,500 1,400 1,300 1, Source: Moody s Economy.com, BLS 44

45 CT and Iowa insurance carrier employment Insurance carrier jobs, CT vs. Iowa (Thousands SA) Connecticut Iowa Source: Moody s Economy.com, BLS 45

46 Insurance carrier job growth Percent change in insurance carrier jobs State Percent Change Connecticut 2.4% Iowa 8.8% Source: Moody s Economy.com, Bureau of Labor Statistics 46

47 Overall, CT workers are more productive than Iowa workers $120 $110 GSP per worker, CT vs. Iowa (Thousands SA) Connecticut Iowa $100 $90 $80 $70 $60 $50 $ Source: Moody s Economy.com, BEA 47

48 Iowa has nearly caught up to CT in terms of GSP per insurance carrier worker $235 GSP per insurance carrier worker, CT vs. Iowa (Thousands SA) $215 $195 $175 $155 $135 Connecticut Iowa $115 $95 $ Source: Moody s Economy.com, BEA 48

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