Commercial Insurance Companies -

: Consult AM Best ratings to assess a carrier's ability to pay out long-term claims.

: Commercial insurers have seen steady growth, with the median combined ratio for personal lines reaching a highly profitable 89.2% entering 2025. However, casualty-exposed insurers are seeing weakening underwriting profits due to rising litigation and settlement costs. COMMERCIAL INSURANCE COMPANIES

: 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 . : Consult AM Best ratings to assess a