MARKETPLACE
The 2026 United States Annual P & C Marketplace Summary is also available to you as members of Big I at independentagent. com / market-share-report /.
EXECUTIVE SUMMARY
Premiums Overall In 2025, Kansas property and casualty( P & C) Direct Premium Written reached $ 10.8 billion, ranking Kansas 31 of 51 states for total premiums in the United States. That is 1.0 % out of $ 1.10 trillion in premiums nationwide. On a per capita basis, Kansas ranks 11 of 51 for all P & C premiums combined, 21 of 51 for Personal Lines, 31 of 51 for Commercial Lines, and 5 of 51 for Agricultural Lines.
Lines of Business In Kansas in 2025, the largest Line of Business for independent agents was Multi-Peril Crop, as determined by Direct Premium Written( DPW). The second largest Line of Business in Kansas was All Private Passenger Auto, and the third was Homeowners Multi-Peril. For comparison, nationwide in 2025 those Top 3 Lines of Business were: All Private Passenger Auto, Homeowners Multi-Peril, and Other Liability( Occurrence).
Loss Ratios In 2025 the Kansas average Loss Ratio across all P & C Lines of Business was 57.5 %, with the highest Loss Ratios occurring in Private Flood( 159.9 %), Aircraft( all perils)( 93.6 %), and Federal Flood( 86.8 %). Nationwide in 2025 the average Loss Ratio was 57.3 %, with the highest state-wide average Loss Ratio being 77.8 %( California), and the lowest being 35.1 %( Hawaii). Across the United States, the Lines of Business with the highest Loss Ratios are Private Crop( 85.7 %), Other Liability( Occurrence)( 77.2 %), and Multi-Peril Crop( 74.9 %).
Premium Change Rates From 2024 to 2025 premiums changed in Kansas by + 5.8 % for all P & C Lines of Business combined, placing it 21 of 51 in the United States and District of Columbia. The fastest-growing Lines of Business in
Kansas were Products Liability( 19.3 %), Other Liability( Occurrence)( 13.7 %), and Burglary & Theft( 11.1 %). Nationally, P & C premium change averaged + 5.1 %, with the fastest growing percentage being + 11.5 %( Delaware), and the slowest being – 0.7 %( Florida). The fastest-growing Lines of Business across the U. S. were Other Liability( Occurrence)( 11.1 %), Farmowners Multi-Peril( 9.4 %), and Homeowners Multi-Peril( 9.1 %).
Independent Agent Penetration of the P & C Market During 2025, independent agents controlled 58.3 % of the Kansas P & C marketplace. This compares to the United States average of 62.1 %, with the highest Penetration Rate being 79.8 %( Massachusetts), and the lowest being 51.1 %( Alabama).
In Kansas, the top Penetration Rates by Lines of Business were: Aircraft( all perils)( 99.0 %), Ocean Marine( 98.1 %), and Excess Workers ' Comp( 96.5 %). In the United States, top penetration rates by Lines of Business were: Multi-Peril Crop( 97.3 %), Ocean Marine( 96.7 %), and Private Crop( 96.7 %).
COMMISSIONS
Surplus Lines The percentage of P & C insurance premiums going to Surplus Lines is on the rise in most states. In Kansas in 2025, the percentage of premiums going to Surplus Lines Domestic insurers was 5.2 %. That percentage was 4.8 % in 2024, and 4.2 % going back to 2021. In the United States the corresponding figures were 9.9 %, 9.7 %, and 8.3 %, respectively.
In Kansas, the top 3 Lines of Business with premiums going to Surplus Lines insurers were: Other Liability( Occurrence), Fire Peril Only, and Other Liability( Claims-made). In United States, the top 3 Lines of Business with premiums going to Surplus Lines insurers were: Other Liability( Occurrence), Other Liability( Claims-made), and Fire Peril Only.
CONTINUED ON PAGE 24
JULY / AUGUST 2026
11