Number of Insurance Companies. U.S. Premiums by NAIC Financial Statement Type. U.S. Premiums by IDRR Premium Type. Insurance Department Data
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1 The mission of the National Association of Commissioners (NAIC) is to assist state insurance regulators, individually and collectively, in serving the public interest and achieving the following fundamental insurance regulatory goals in a responsive, efficient and cost effective manner, consistent with the wishes of its members. As part of this mission, the NAIC compiles meaningful data about the insurance regulatory community, as well as the insurance industry. Number of Companies The number of insurance companies is provided by state insurance regulators and is compiled annually by the NAIC. Depending on the type of insurance companies provided, they are classified either as property/casualty, life, health, fraternal or title insurers. Insurers with primary corporate headquarters located in a particular state are called domestic insurers. The insurance regulator in the insurer s state of domicile is the primary regulator of that insurer. Foreign insurers are those that are allowed to sell insurance in a state but have a primary legal residence in another state. The state rank represents the rank relative to the state with the largest number of insurers among all states. U.S. s by NAIC Financial ment Type The premium volume from the NAIC financial filing database is direct written premium derived from insurer annual financial statement filings provided to the NAIC. The total is comprised of aggregate premium and deposits generated without any adjustments for reinsurance. This data is grouped according to insurer financial statement filing type (i.e., property/casualty; life, accident and health; health; fraternal organizations; and title). Data in one financial statement type could contain data that seemingly fits better under another line of business. For example, traditional health data may be filed by an insurer using the filing type of life, accident and health. Depending on the regulatory requirements in the state of domicile, captives and risk retention groups are not always required to file with the NAIC and, consequently, this data may not be considered complete. Not all state funds are required to file with the NAIC. fund data contained herein is reported separately and added to the premium volume during composition of this report. Some categories are modified to more closely align with the structure of the NAIC financial statement filings and may not be comparable to data reported in prior years. The state rank represents the rank relative to the state with the largest premium volume among all states. U.S. s by IDRR Type The premium volume from the Department Resources Report (IDRR) is comprised of direct written premium that the states report to the NAIC in compiling the IDRR. This data is grouped by type of business and will not match up with data grouped by NAIC financial statement type. This data includes total direct written premium reported by each state insurance department and does not include premiums from captives or surplus lines business. It was requested that each state include state funds in its premium volume reported. Some companies may report premium data to the state insurance department that are not required to report to the NAIC due to sales volume or other regulatory requirements of their domiciliary state. Department Data The insurance department data is provided by state insurance regulators and is compiled annually by the NAIC. taxes include premium, retaliatory, franchise and income taxes paid by insurers. revenue includes other sources of revenue, such as licensing fees and fines and assessments, as well as total taxes. budget represents the annual operating budget of the state insurance department. employment is the number of full-time state insurance department employees. The state rank represents the rank relative to the state with the largest respective number among all states.
2 Cost of Regulation The cost of regulation is calculated from data supplied by state insurance regulators and collected from insurers financial filings. It is a ratio that compares the insurance department budget to total premium written in the state. Beginning with the IDRR, insurance budget data no longer includes pass-through funding. Budget figures from and forward were adjusted to reflect this change. For state-specific details, please refer to the IDRR technical notes. Property/Casualty by Line of Business The premiums are from the annual financial statement information that property/casualty insurers file with the NAIC. Property/casualty premium is subdivided into several categories. This data includes information on state funds reported separately and added to the premium volume during composition of this report. The state rank represents the rank relative to the state with the largest respective premium by line of business among all states. Industry Employment The U.S. Bureau of Labor Statistics (BLS) produces the Quarterly Census of Employment and Wages (QCEW). The QCEW is derived from quarterly unemployment insurance tax reports submitted by employers to state workforce agencies. The reports are subject to state unemployment insurance laws, as well as to the Unemployment Compensation for Federal Employees (UCFE) program. According to the BLS, the QCEW program publishes a quarterly count of employment and wages covering 98% of U.S. jobs, available by industry in the county, metropolitan statistical area (MSA), state and national levels. Employment is the total number of persons employed full-time or part-time in non-farm establishments during a specified payroll period. Temporary employees are included. In general, data refer to persons who worked during, or received pay for, any part of the pay period that includes the 12th of the month, which is standard for all federal agencies collecting employment data from business establishments. carriers include employees of direct insurers from all insurance types and reinsurers. Agencies, brokerages and other insurance-related activities include insurance agents and brokers, independent claims adjusters, third-party administrators of insurance and pension funds, and other insurance-related activities. Consumer Complaints Complaints include all formal complaints lodged with the insurance department. Consumer Inquiries Inquiries include all requests for information about insurance-related issues made by any medium, including phone calls, written letters, s, etc. Requests for brochures are included, as are incidents where a complaint is voiced, but is not formally lodged. Gross Domestic Product The U.S. Bureau of Economic Analysis (BEA) produces the gross domestic product (GDP). The BEA defines GDP by state as the most comprehensive measure of overall economic activity in the individual states. Per the BEA, GDP by state is calculated as the sum of incomes earned by labor and capital and the costs incurred in the production of goods and services. It includes workers wages and salaries; income earned by sole proprietorships, partnerships and corporations; and business taxes (such as sales, property, and federal excise taxes) that count as a business expense.
3 Regulation: Key Facts and Market Trends The primary goal of state regulation is to protect insurance consumers, while recognizing that consumers as well as companies are well served by efficient, market-oriented regulation of the business of insurance. OVERVIEW OF THE UNITED STATES INSURANCE MARKET Group Five Largest Groups in the U.S. by Direct Written Direct Written* % of METROPOLITAN GRP $93,586,439, % UNITEDHEALTH GRP $93,172,272, % STATE FARM IL $58,886,598, % WELLPOINT INC GRP $51,932,256, % AETNA $43,102,903, % Top 5 $340,680,469,903 *Includes Deposit Type Funds and premium written in U.S. territories from Property, Life, Fraternal, Title, and Health Annual ments. Source: National Association of Commissioners U.S. Gross Domestic Product * Funds, trusts, and other financial vehicles $45,463 N/A carriers and related activities $413,066 N/A Securities, commodity contracts, and investments Federal Reserve banks, credit intermediation, and related services $184,592 N/A $435,033 N/A Finance and insurance $1,078,153 $1,114,594 *Figure is an estimate. Source: US Department of Commerce, Bureau of Economic Analysis U.S. Financial Sector Employment Carriers and Related 2,051,492 2,078,166 2,144,426 Carriers 1,170,270 1,172,476 1,198,142 Direct Life and Health Carriers 587, , ,724 Direct Life Carriers 267, , ,898 Direct Health and Medical 331, , ,907 Carriers Direct Insurers (except Life and Health) 517, , ,365 Direct Property and Casualty Insurers 461, , ,277 Direct Title Carriers 51,272 53,474 58,352 Other Direct Carriers 11,847 11,697 10,358 Reinsurance Carriers 22,054 20,852 21,290 Securities, Commodity Contracts, Investments 17.12% Carriers and Related 38.31% U.S. Gross Dometic Product Shares of Financial Institutions By Component, Federal Reserve Banks, Credit Internediation and Related Services 40.35% Funds, Trusts, and Other Financial Vehicles 4.22% Agencies and Brokerages 881, , ,284 Other Related 243, , ,807 Claims Adjusting 51,782 52,718 54,277 Third Party Administration of 137, , ,233 Funds All Other Related 54,739 62,033 67,300 Source: U.S. Department of Labor, Bureau of Labor Statistics Securities, Commodity Contracts, Investments 15.42% Carriers and Related 34.30% U.S. Gross Dometic Product Shares of Financial Institutions By Component, Federal Reserve Banks, Credit Internediation and Related Services 46.93% Funds, Trusts, and Other Financial Vehicles 3.35% Copyright 2014 National Association of Commissioners. All rights reserved. August 19, 2014
4 Regulation: Key Facts and Market Trends OVERVIEW OF THE UNITED STATES INSURANCE MARKET Billions $1,600 $1,200 $800 $400 U.S. All Types of ($ billions) $1,330 $1,363 $1,469 $1,635 $1,677 $1,639 $1,648 $1,741 $1,839 $1, (s from Property, Life, Fraternal, Health and Title Annual ments plus Funds for Property and Health) Source: National Association of Commissioners U.S. Property & Casualty by Line of Business Line of Business Workers' compensation 51,951,041,593 55,719,690,895 Allied lines 12,606,688,555 13,349,691,960 Federal flood 2,876,015,507 3,078,500,389 Farm 14,613,306,861 15,084,480,622 Homeowners multiple peril 77,854,316,384 82,660,181,703 Commercial multi peril 35,947,768,015 37,721,168,598 Mortgage guaranty 4,300,615,164 4,546,543,732 Ocean & Inland Marine 18,270,857,223 19,947,274,865 Financial guaranty 722,768, ,444,024 Medical professional liability 10,019,190,943 9,784,645,857 Fire 12,729,292,339 13,098,155,584 Accident & Health 6,031,285,543 5,943,310,369 Products liability 3,085,747,844 3,321,275,989 Automobile 197,382,643, ,309,113,843 Aircraft (all perils) 1,682,562,116 1,550,680,659 Fidelity 1,140,580,323 1,171,257,946 Surety 5,007,345,606 5,214,468,817 Burglary and theft 231,452, ,775,411 Boiler and machinery 1,428,349,646 1,466,336,006 Credit 2,056,777,995 1,695,022,129 Other 52,869,684,488 57,058,714,234 Earthquake 2,263,465,729 2,280,047, ,071,756, ,855,780,420 Source: National Association of Commissioners (s from Property Annual ments plus Funds) $200,000 $160,000 $120,000 $80,000 $40, ,228 Written for Automobile 193, , , , , , , ,309 $80,000 $70,000 $60,000 $50,000 $40,000 $30,000 $20,000 $10,000 57,319 Written for Homeowners 60,800 64,679 65,034 67,642 71,004 73,676 77,854 82,660 $40,000 $35,000 $30,000 $25,000 $20,000 $15,000 $10,000 $5,000 34,127 Written for Commercial MP 35,987 35,572 34,608 33,663 32,886 33,668 35,948 37,721 $14,000 $12,000 $10,000 $8,000 $6,000 $4,000 12,191 Written for Medical Liability 12,326 11,657 11,208 10,795 10,595 10,280 10,019 9,785 $700,000 $600,000 $500,000 $400,000 $300,000 $200,000 $100, ,593 Written for Life * 522, , , , , , , ,056 $800,000 $700,000 $600,000 $500,000 $400,000 $300,000 $200,000 $100, ,404 Written & Deposits for Health ** 432, , , , , , , ,899 * Figures include Life, Annuities, Deposit Type Funds, and Other Considerations from the NAIC Life, and Fraternal financial statements. ** Figures includes Health data from the NAIC Health, Life, and Fraternal financial statements and California data. Figures include data from Funds where applicable. Copyright 2014 National Association of Commissioners. All rights reserved. August 21, 2014
5 Regulation: Key Facts and Market Trends The primary goal of state regulation is to protect insurance consumers, while recognizing that consumers as well as companies are well served by efficient, market-oriented regulation of the business of insurance. OVERVIEW OF THE UNITED STATES INSURANCE MARKET Data Year U.S. s by NAIC Financial ment Type Fraternal Property & Casualty* Life Health** Organizations Title 2004 $474,220,004,131 $599,534,884,715 $6,969,679,330 $15,328,252,858 $1,329,739,671,466 $484,337,075,492 $584,720,919,871 $6,559,555,580 $16,712,273,034 $1,362,648,381,529 $496,294,031,030 $646,997,453,976 $6,441,524,762 $16,295,296,630 $1,469,425,157,555 $502,303,781,431 $701,396,470,641 $411,185,416,773 $6,244,013,237 $13,906,453,999 $1,635,036,136,081 $490,607,632,320 $733,223,936,388 $436,144,110,438 $7,651,600,465 $9,784,308,716 $1,677,411,588,327 $475,352,229,041 $673,775,162,639 $471,264,277,619 $8,874,377,984 $9,376,264,339 $1,638,642,311,622 $475,087,530,842 $667,917,139,633 $485,478,978,203 $10,056,997,119 $9,322,927,851 $1,647,863,573,648 $492,359,898,516 $712,620,034,399 $516,592,347,745 $10,059,457,703 $9,163,755,643 $1,740,795,494,006 $515,071,756,568 $755,487,272,271 $546,782,291,690 $10,309,568,435 $11,129,648,863 $1,838,780,537,827 $542,855,780,438 $728,887,621,482 $570,576,663,333 $10,215,714,914 $12,452,031,563 $1,864,987,811,730 *Starting in 2004, Property/Casualty premiums include Supplemental Funds. ** Starting in, Health premiums include data filed with the California Department of. Source: National Association of Commissioners U.S. s by NAIC IDRR Category Life / Annuities Property / Casualty Health Title Risk Retention Group All Other $1,842,780,411,400 $613,844,926,555 $508,813,699,180 $696,374,272,106 $11,545,400,398 $3,861,033,476 $8,341,079,686 was the first year IDRR collected premiums by category. Additional years will be added to the chart as they become available. U.S. Industry Information Domestic Num of Domestic Domestic Mean Captive Num of Captives Captive Mean $1,842,780,411,400 6,086 $302,790,077 $14,673,072,032 2,271 $6,461,062 Revenue Tax Revenue U.S. Department Information for All s Budget Employment Consumer Inquiries Consumer Complaints $20,451,949,205 $16,391,842,616 $1,296,623,443 11,529 2,071, ,711 Copyright 2014 National Association of Commissioners. All rights reserved. August 14, 2014
6 Regulation in Idaho: Key Facts and Market Trends Overview of the Market In Idaho Number of Companies in Idaho Type Number Domestic Domestic and Licensed Foreign Insurers Captives not included. Number of Captives 1, Captive Companies in Idaho Direct Written Captive 0 Description Department Data for Idaho Amount % of U.S. Taxes: $69,319, % Revenue: $94,889, % Budget: $8,163, % Employment: % Inquiries: 6, % Complaints: % ment Type s & Deposits by Type of Annual ment Filing in Idaho Written % of U.S. Fraternal $43,758, % Health $2,100,655, % Life, Accident, and Health $2,290,553, % Property and Casualty $2,201,505, % Title $103,031, % Idaho $6,739,503, % Source: National Association of Commissioners Category Type Property and Casualty Life/Annuities Risk Retention Group All Other Title Health IDRR s by Category in Idaho s % of U.S. $2,193,427, % $1,715,265, % $5,100, % % $103,031, % $2,737,349, % $6,754,174, % Year Cost of Regulation in Idaho Department Budget Dept. Budget Per $1, $6,039,600 $1.19 $6,284,400 $1.18 $7,186,100 $1.22 $7,354,300 $1.23 $7,319,600 $1.20 $7,725,000 $1.22 $7,270,600 $1.19 $7,480,500 $1.18 $8,012,500 $1.23 Dept Budget (Thousands) $10,000,000 $8,000,000 $6,000,000 $4,000,000,000 Cost of Regulation 2004 Fiscal Year $1.40 $1.20 $ Cost of Regulation per $1,000 $8,163,300 $1.21 Department Budget Dept Budget per $1,000 Copyright 2014 National Association of Commissioners. All rights reserved. August 20, 2014
7 Regulation in Idaho: Key Facts and Market Trends Overview of the Market In Idaho Millions Direct Written & Deposits In- All Types of $7,000 $6,000 $5,000 $4,000 $3,000 $1,000 $5,092 $5,306 $5,874 $5,999 $6,103 $6,335 $6,129 $6,433 $6, Year Source: National Association of Commissioners ** $6,740 Line of Business by Line of Business in Idaho Written % of U.S. Automobile $834,966, % Workers' compensation $324,114, % Homeowners multiple peril $285,491, % Commercial multi peril $181,532, % Other $171,435, % Farm $122,559, % Ocean & Inland Marine $67,863, % Allied lines $43,796, % Fire $31,058, % Medical professional liability $30,599, % Mortgage guaranty $25,746, % Surety $18,815, % Accident & Health $17,859, % Aircraft (all perils) $13,361, % Products liability $10,201, % Boiler and machinery $7,982, % Federal flood $3,701, % Credit $3,461, % Earthquake $3,440, % Fidelity $3,011, % Burglary and theft $504, % Financial guaranty % $2,201,505, % Source: National Association of Commissioners $1,000 Written for Automobile $320 Written for Homeowners $200 Written for Commercial MP $800 $280 $240 $160 $600 $400 $ $200 $160 $120 $80 $ $120 $80 $ $50 Written for Medical Liability Written & Deposits for Life * $2,800 s Written & Deposits for Health ** $40 $30 $20 $ $1,600 $1,200 $800 $400 1,661 1,840 1,743 1,717 1,857 1,622 1,727 1,693 1,715 $2,400 $1,600 $1,200 $800 $400 1,538 1,796 2,015 2,211 2,358 2,455 2,526 2,615 2,719 * Figures include Life, Annuities, Deposit Type Funds, and Other Considerations from the NAIC Life, and Fraternal financial statements. ** Figures include Health data from the NAIC Health, Life, and Fraternal financial statements and California data. Figures include data from Funds where applicable. Copyright 2014 National Association of Commissioners. All rights reserved. August 26, 2014
8 Regulation in Idaho: Key Facts and Market Trends Overview of the Market In Idaho Industry Employment in Idaho Year Carriers and Related Carriers Agents Broker and Other Related 8,196 4,837 3,359 8,340 4,716 3,623 7,859 4,266 3,594 7,595 4,193 3,402 7,450 4,264 3,187 7,506 4,295 3,211 7,582 4,389 3,193 7,742 4,593 3,149 Source: US Department of Labor, Bureau of Labor Statistics Gross Domestic Product for Idaho Funds, trusts, and other $121 $144 $152 N/A financial vehicles carriers and $861 $901 $909 N/A related activities Securities, commodity $167 $159 $153 N/A contracts, and investments Federal Reserve banks, $1,206 $1,194 $1,347 N/A credit intermediation, and related services Finance and insurance $2,356 $2,398 $2,561 $2,739 Note: figure is an estimate. Source: US Department of Commerce, Bureau of Economic Analysis Gross Dometic Product in Idaho Shares of Financial Institutions By Component, Federal Reserve banks, credit intermediation, and related services 52.60% Funds, trusts, and other financial vehicles 5.94% carriers and related activities 35.49% Securities, commodity contracts, and investments 5.97% Copyright 2014 National Association of Commissioners. All rights reserved. August 25, 2014
Number of Insurance Companies. U.S. Premiums by NAIC Financial Statement Type. U.S. Premiums by IDRR Premium Type. Insurance Department Data
The mission of the National Association of Commissioners (NAIC) is to assist state insurance regulators, individually and collectively, in serving the public interest and achieving the following fundamental
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