Change in red denotes worsening, while change in green denotes improvement of direct incurred loss ratio.
| Medical professional liability | Comm'l auto liability | ||||||
|---|---|---|---|---|---|---|---|
| Year | 06/30 YTD | 12/31 YTD | Change (pts) | Year | 06/30 YTD | 12/31 YTD | Change (pts) |
| 2015 | 47.7% | 42.6% | (5.1)pts | 2015 | 61.8% | 67.4% | 5.5pts |
| 2016 | 50.8% | 48.8% | (2.0)pts | 2016 | 64.4% | 70.6% | 6.2pts |
| 2017 | 50.1% | 49.2% | (0.9)pts | 2017 | 66.4% | 71.1% | 4.7pts |
| 2018 | 52.7% | 47.9% | (4.9)pts | 2018 | 70.2% | 71.6% | 1.5pts |
| 2019 | 60.4% | 56.9% | (3.4)pts | 2019 | 67.3% | 73.4% | 6.0pts |
| 2020 | 60.0% | 56.3% | (3.7)pts | 2020 | 68.0% | 68.2% | 0.2pts |
| 2021 | 55.3% | 54.3% | (1.0)pts | 2021 | 64.4% | 66.4% | 1.9pts |
| 2022 | 55.3% | 53.7% | (1.6)pts | 2022 | 68.7% | 71.9% | 3.2pts |
| 2023 | 57.4% | 55.9% | (1.5)pts | 2023 | 72.5% | 76.6% | 4.2pts |
| 2024 | 57.5% | NA | 2024 | 75.8% | NA | ||