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California Surplus Lines Market Index

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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October 2022 October 2021 % Change 2022 YTD 2021 YTD % Change
$24,975.39 $16,621.18 50.26% $18,627.18 $16,151.35 15.33%
Year 2021 2020 2019 2018 2017
Index Value $18,500.38 $16,016.84 $14,689.01 $11,368.55 $10,673.31
Percent Change 15.51% 9.04% 29.21% 6.51% N/A
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Month MCAT Value Rolling Average % Change
October 2022 $24,975.39 $17,962.92 32.15%
September 2022 $18,899.18 $17,378.54 (6.26%)
August 2022 $20,160.96 $17,240.30 23.76%
July 2022 $16,289.91 $16,948.24 (1.04%)
June 2022 $16,461.77 $17,021.39 (16.33%)
May 2022 $19,675.30 $17,091.34 (0.69%)
April 2022 $19,811.65 $16,722.20 13.09%
March 2022 $17,519.08 $16,207.29 8.68%
February 2022 $16,119.15 $15,944.94 (0.92%)
January 2022 $16,269.24 $15,901.38 9.69%
December 2021 $14,831.66 $15,778.76 (6.62%)
November 2021 $15,883.45 $16,252.32 (4.44%)
October 2021 $16,621.18 $16,621.18 100.00%
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Coverage Type October 2022 October 2021 % Change 2022 YTD 2021 YTD % Change
$7,148.63 $3,507.86 103.79% $7,284.27 $5,621.98 2956.76%
AUTOMOBILES $18,500.29 $25,297.46 (26.87%) $18,379.80 $17,031.92 791.38%
AVIATION $123,554.27 $80,566.30 53.36% $32,222.57 $72,716.51 (5568.74%)
COMMERCIAL PROPERTY $22,548.47 $16,525.94 36.44% $20,942.19 $17,336.46 2079.85%
CRIME $6,337.88 $3,155.77 100.83% $6,822.47 $2,292.00 19766.43%
EXCESS LIABILITY $29,546.91 $26,621.92 10.99% $45,769.23 $37,071.36 2346.25%
FIDELITY, SURETY & BONDS $14,223.67 $34,000.97 (58.17%) $3,616.54 $8,505.74 (5748.12%)
FIRE & ALLIED LINES $32,795.39 $32,647.11 0.45% $22,713.47 $19,542.61 1622.54%
GARAGE $6,010.15 $4,297.82 39.84% $4,933.37 $4,128.22 1950.36%
GENERAL LIABILITY $11,020.95 $10,707.40 2.93% $10,659.37 $9,995.69 663.97%
INLAND MARINE $9,147.71 $6,955.40 31.52% $8,250.67 $7,028.62 1738.67%
MALPRACTICE $32,254.78 $24,576.03 31.24% $32,362.20 $28,695.03 1277.98%
MISCELLANEOUS $128,286.11 $15,774.21 713.27% $29,733.08 $27,291.77 894.52%
PROFESSIONAL LIABILITY/ERRORS & OMISSION $32,267.58 $27,613.26 16.86% $32,177.34 $27,593.58 1661.17%
WORKER'S COMPENSATION $0.00 $0.00 0.00% $274,350.20 $1,511,149.64 (8184.49%)