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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|
July 2026
|
July 2025
|
% Change |
2026 YTD
|
2025 YTD
|
% Change |
| $12,700.34 |
$14,421.37 |
(11.93%) |
$12,110.00 |
$15,357.22 |
(21.14%) |
| Year |
2025 |
2024 |
2023 |
2022 |
2021 |
| Index Value |
$12,300.49 |
$14,571.85 |
$16,514.58 |
$17,649.89 |
$17,979.58 |
| Percent Change |
(15.59%) |
(11.76%) |
(6.43%) |
(1.83%) |
N/A |
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| Month |
MCAT Value |
Rolling Average |
% Change |
| July 2026 |
$12,700.34 |
$12,866.40 |
1.20% |
| June 2026 |
$12,550.35 |
$12,880.24 |
(2.47%) |
| May 2026 |
$12,868.34 |
$12,910.23 |
7.89% |
| April 2026 |
$11,926.98 |
$12,914.42 |
21.43% |
| March 2026 |
$9,821.83 |
$13,024.13 |
(19.42%) |
| February 2026 |
$12,188.73 |
$13,424.42 |
(5.54%) |
| January 2026 |
$12,903.05 |
$13,600.95 |
(28.96%) |
| December 2025 |
$18,163.81 |
$13,717.26 |
84.56% |
| November 2025 |
$9,841.47 |
$12,827.95 |
(17.72%) |
| October 2025 |
$11,960.87 |
$13,574.58 |
(11.72%) |
| September 2025 |
$13,549.02 |
$14,112.48 |
(5.69%) |
| August 2025 |
$14,367.05 |
$14,394.21 |
(0.38%) |
| July 2025 |
$14,421.37 |
$14,421.37 |
100.00% |
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| Coverage Type |
July 2026
|
July 2025
|
% Change |
2026 YTD
|
2025 YTD
|
% Change |
|
ACCIDENT/DISABILITY
|
$3,063.03 |
$3,905.36 |
(21.57%) |
$5,727.47 |
$6,072.47 |
(568.14%) |
|
AUTOMOBILES
|
$10,292.62 |
$31,005.95 |
(66.80%) |
$14,324.52 |
$23,525.68 |
(3911.11%) |
|
AVIATION
|
$233,719.98 |
$25,563.18 |
814.28% |
$63,646.61 |
$72,829.68 |
(1260.90%) |
|
COMMERCIAL PROPERTY
|
$21,709.64 |
$22,247.41 |
(2.42%) |
$16,626.98 |
$21,667.13 |
(2326.17%) |
|
CRIME
|
$5,489.20 |
$2,376.84 |
130.95% |
$5,661.82 |
$6,156.65 |
(803.74%) |
|
EXCESS LIABILITY
|
$32,277.77 |
$34,191.85 |
(5.60%) |
$33,016.35 |
$39,194.40 |
(1576.26%) |
|
FIDELITY, SURETY & BONDS
|
$7,600.65 |
$13,373.44 |
(43.17%) |
$6,168.94 |
$6,574.49 |
(616.85%) |
|
FIRE & ALLIED LINES
|
$4,409.41 |
$4,773.86 |
(7.63%) |
$4,377.92 |
$6,130.02 |
(2858.22%) |
|
GARAGE
|
$7,694.03 |
$8,133.81 |
(5.41%) |
$8,854.19 |
$8,232.50 |
755.16% |
|
GENERAL LIABILITY
|
$2,457.13 |
$1,952.20 |
25.86% |
$1,935.67 |
$1,546.10 |
2519.65% |
|
INLAND MARINE
|
$5,765.20 |
$8,817.85 |
(34.62%) |
$7,573.22 |
$8,207.71 |
(773.04%) |
|
LIABILITY
|
$9,209.20 |
$9,125.65 |
0.92% |
$9,189.20 |
$9,403.72 |
(228.12%) |
|
MALPRACTICE
|
$31,202.70 |
$25,346.61 |
23.10% |
$26,022.93 |
$31,967.17 |
(1859.48%) |
|
MISCELLANEOUS
|
$39,055.29 |
$2,457.39 |
1489.30% |
$76,469.84 |
$97,828.92 |
(2183.31%) |
|
MORTGAGE
|
$61,226.86 |
$59,450.94 |
2.99% |
$55,024.62 |
$58,213.73 |
(547.83%) |
|
PLATE GLASS
|
$91.00 |
$0.00 |
100.00% |
$28.63 |
$84.67 |
(6618.21%) |
|
PROFESSIONAL LIABILITY/ERRORS & OMISSION
|
$26,617.47 |
$26,469.04 |
0.56% |
$23,984.33 |
$26,113.66 |
(815.41%) |
|
WORKER'S COMPENSATION
|
$329,932.33 |
$337,428.50 |
(2.22%) |
$412,012.60 |
$2,801,162.88 |
(8529.14%) |
|
ALL FEES
|
$0.00 |
$0.00 |
0.00% |
$0.00 |
$0.00 |
0.00% |