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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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September 2023 September 2022 % Change 2023 YTD 2022 YTD % Change
$20,303.16 $18,869.50 7.60% $18,009.46 $17,899.46 0.61%
Year 2022 2021 2020 2019 2018
Index Value $18,009.46 $17,996.42 $16,015.12 $14,688.25 $11,368.52
Percent Change 0.07% 12.37% 9.03% 29.20% N/A
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Month MCAT Value Rolling Average % Change
September 2023 $20,303.16 $18,054.30 (9.92%)
August 2023 $22,538.13 $17,866.89 31.00%
July 2023 $17,204.89 $17,442.23 5.26%
June 2023 $16,345.77 $17,465.97 10.18%
May 2023 $14,835.86 $17,590.43 (24.77%)
April 2023 $19,721.11 $17,934.75 17.99%
March 2023 $16,714.40 $17,679.56 (0.28%)
February 2023 $16,762.00 $17,840.42 (3.22%)
January 2023 $17,319.58 $18,056.11 31.89%
December 2022 $13,131.45 $18,240.24 (18.08%)
November 2022 $16,029.78 $19,943.17 (35.70%)
October 2022 $24,930.22 $21,899.86 32.12%
September 2022 $18,869.50 $18,869.50 100.00%
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Coverage Type September 2023 September 2022 % Change 2023 YTD 2022 YTD % Change
$11,281.84 $5,326.57 111.80% $6,125.33 $7,359.70 (1677.20%)
AUTOMOBILES $31,830.89 $17,142.98 85.68% $21,019.80 $18,442.06 1397.75%
AVIATION $250,316.48 $81,511.22 207.09% $102,079.29 $30,263.53 23730.13%
COMMERCIAL PROPERTY $22,217.79 $20,346.17 9.20% $21,614.81 $18,809.20 1491.62%
CRIME $12,867.41 $3,681.79 249.49% $6,581.06 $6,916.96 (485.62%)
EXCESS LIABILITY $51,396.14 $43,487.09 18.19% $44,174.00 $45,937.43 (383.87%)
FIDELITY, SURETY & BONDS $20,027.30 $79,208.29 (74.72%) $10,823.42 $13,953.90 (2243.44%)
FIRE & ALLIED LINES $9,361.89 $10,263.85 (8.79%) $10,892.80 $10,623.60 253.39%
GARAGE $9,681.70 $3,751.01 158.11% $1,489.09 $4,863.92 (6938.49%)
INLAND MARINE $7,129.68 $11,144.34 (36.02%) $7,567.21 $8,412.87 (1005.20%)
LIABILITY $9,918.43 $9,518.52 4.20% $9,243.94 $9,277.52 (36.20%)
MALPRACTICE $31,246.47 $35,845.21 (12.83%) $30,058.62 $33,318.42 (978.38%)
MISCELLANEOUS $3,965.06 $11,977.07 (66.89%) $57,697.43 $66,060.24 (1265.94%)
MORTGAGE $66,872.97 $112,583.44 (40.60%) $59,721.34 $38,497.96 5512.86%
PLATE GLASS $0.00 $0.00 0.00% $(46.00) $578.00 (10795.85%)
PROFESSIONAL LIABILITY/ERRORS & OMISSION $36,292.95 $43,063.11 (15.72%) $34,544.47 $40,797.23 (1532.64%)
WORKER'S COMPENSATION $0.00 $0.00 0.00% $733,860.00 $1,371,751.00 (4650.20%)