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MARKETPLACE REPORT HIGHLIGHTS
Intro by Dave Hulcher, KAIA with reporting compiled by Paul Buse, RISC
We are proud to present the 2026 Kansas Annual P & C Marketplace Report – your exclusive, membersonly resource for navigating the Kansas property and casualty insurance landscape with confidence. A copy of the full report was mailed to member agencies earlier this month.
As always, independent agents remain at the heart of this marketplace. In 2025, independent agents controlled 58.3 % of Kansas P & C premiums, confirming that the independent agency system delivers value that no other distribution model can match.
In the full report, you’ ll find detailed analysis across all 32 lines of business, with special focus on the top 10 lines most relevant to independent agents. From loss and combined ratios to premium change rates, surplus lines trends, commission data, and top insurer rankings – this report gives you the intelligence to make sharper business decisions and have more informed conversations with your clients.
We encourage your agency to use the report to:
• Benchmark your agency’ s performance against market trends and identify where opportunities are emerging.
• Understand which lines are growing fastest – Products Liability(+ 19.3 %), Other Liability Occurrence(+ 13.7 %), and Burglary & Theft(+ 11.1 %) led Kansas premium growth in 2025.
• Monitor the continued rise of surplus lines, which now represent 5.2 % of Kansas premiums – up from 4.2 % just four years ago.
• Advocate powerfully for the independent agency model using real, credible market data.
Thank you for your continued membership and for the vital work you do every day protecting the people and livelihoods that make Kansas great. We hope this resource serves your agency well throughout the year.
REPORT OVERVIEW
The 2025 data used in the report is the most recent available from AM Best Company and includes all 50 states and the District of Columbia( equaling the 51 entities referred to in the data in this report).
10 KANSAS INSURANCE AGENT & BROKER