The California Surplus Lines Market Index (MCat Index) is a high-level measure of the relative health of the California Surplus Lines market over time.
The Index is the average premium amount per transaction for various periods based on the registered date of the policy/endorsement. The average is calculated by dividing the sum total of premium for all transactions (new and renewal policies and endorsements) by the number of premium-bearing transactions the same period.
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|
April 2025
|
April 2024
|
% Change |
2025 YTD
|
2024 YTD
|
% Change |
| $17,030.74 |
$19,352.43 |
(12.00%) |
$15,756.67 |
$15,720.96 |
0.23% |
| Year |
2024 |
2023 |
2022 |
2021 |
2020 |
| Index Value |
$15,548.15 |
$16,499.98 |
$17,651.99 |
$17,979.89 |
$16,010.11 |
| Percent Change |
(5.77%) |
(6.53%) |
(1.82%) |
12.30% |
N/A |
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| Month |
MCAT Value |
Rolling Average |
% Change |
| April 2025 |
$17,030.74 |
$16,769.08 |
24.39% |
| March 2025 |
$13,691.01 |
$16,747.28 |
(17.57%) |
| February 2025 |
$16,608.95 |
$17,025.12 |
4.76% |
| January 2025 |
$15,854.90 |
$17,066.74 |
(19.25%) |
| December 2024 |
$19,634.42 |
$17,201.39 |
35.82% |
| November 2024 |
$14,455.72 |
$16,897.26 |
(6.23%) |
| October 2024 |
$15,416.19 |
$17,246.05 |
(26.71%) |
| September 2024 |
$21,034.65 |
$17,551.03 |
12.99% |
| August 2024 |
$18,616.63 |
$16,854.30 |
24.99% |
| July 2024 |
$14,894.21 |
$16,413.72 |
(17.78%) |
| June 2024 |
$18,115.43 |
$16,920.22 |
36.28% |
| May 2024 |
$13,292.80 |
$16,322.62 |
(31.31%) |
| April 2024 |
$19,352.43 |
$19,352.43 |
100.00% |
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| Coverage Type |
April 2025
|
April 2024
|
% Change |
2025 YTD
|
2024 YTD
|
% Change |
|
ACCIDENT/DISABILITY
|
$14,632.79 |
$5,377.86 |
172.09% |
$8,222.64 |
$4,658.90 |
7649.32% |
|
AUTOMOBILES
|
$40,040.29 |
$41,120.38 |
(2.63%) |
$27,384.87 |
$26,095.93 |
493.92% |
|
AVIATION
|
$32,345.28 |
$12,782.00 |
153.05% |
$71,703.97 |
$91,516.95 |
(2164.95%) |
|
COMMERCIAL PROPERTY
|
$22,264.09 |
$18,955.90 |
17.45% |
$19,753.71 |
$18,433.13 |
716.41% |
|
CRIME
|
$5,191.88 |
$4,718.24 |
10.04% |
$7,422.03 |
$6,771.84 |
960.12% |
|
EXCESS LIABILITY
|
$35,612.66 |
$27,101.35 |
31.41% |
$41,485.62 |
$24,751.09 |
6761.13% |
|
FIDELITY, SURETY & BONDS
|
$9,176.67 |
$14,665.43 |
(37.43%) |
$5,172.34 |
$5,918.35 |
(1260.51%) |
|
FIRE & ALLIED LINES
|
$8,244.70 |
$27,394.48 |
(69.90%) |
$7,064.13 |
$12,987.73 |
(4560.92%) |
|
GARAGE
|
$8,290.88 |
$6,671.81 |
24.27% |
$7,724.05 |
$6,145.37 |
2568.91% |
|
GENERAL LIABILITY
|
$1,515.93 |
$1,984.82 |
(23.62%) |
$1,502.34 |
$2,037.73 |
(2627.38%) |
|
INLAND MARINE
|
$9,851.42 |
$8,660.31 |
13.75% |
$8,607.27 |
$7,476.53 |
1512.38% |
|
LIABILITY
|
$9,922.97 |
$8,205.22 |
20.93% |
$9,490.77 |
$8,078.44 |
1748.27% |
|
MALPRACTICE
|
$34,386.27 |
$25,306.52 |
35.88% |
$29,386.55 |
$30,579.19 |
(390.02%) |
|
MISCELLANEOUS
|
$406,579.13 |
$9,012.83 |
4411.12% |
$118,224.11 |
$21,560.82 |
44832.85% |
|
MORTGAGE
|
$16,505.46 |
$39,981.20 |
(58.72%) |
$57,697.03 |
$55,210.20 |
450.43% |
|
PLATE GLASS
|
$50.00 |
$0.00 |
100.00% |
$91.75 |
$0.00 |
10000.00% |
|
PROFESSIONAL LIABILITY/ERRORS & OMISSION
|
$25,719.04 |
$26,916.13 |
(4.45%) |
$26,625.93 |
$28,312.89 |
(595.83%) |
|
WORKER'S COMPENSATION
|
$0.00 |
$173,033.00 |
(100.00%) |
$5,386,888.25 |
$463,516.50 |
106217.83% |
|
ALL FEES
|
$0.00 |
$0.00 |
0.00% |
$0.00 |
$23.47 |
(10000.00%) |