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 .

: Protects against lawsuits involving bodily injury, property damage, or advertising injury (libel/slander). COMMERCIAL INSURANCE COMPANIES

: 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. A score below 1

Businesses typically secure a combination of the following to manage operational risk: : Nonprofits are facing significant hurdles

: Protects against negligence in professional services, even if no actual mistake occurred. Selecting and Evaluating a Carrier

: The NAIC market average is 1.0 . A score below 1.0 indicates the company receives fewer complaints than the average carrier of its size.

To evaluate the reliability of a commercial insurance company, experts recommend reviewing several data points provided by organizations like the National Association of Insurance Commissioners (NAIC) :