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Insurance Industry Terminal
Real-time market data, news, and analytics for insurance professionals
LIVE
2.4M
Licensed Agents (US)
Active Professionals
42,800
New Licenses
Last 30 Days
12.5%
Avg Commission
Commercial Lines
+8.2%
Job Growth
Year over Year
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Industry Market Indicators
Q2 2026P&C Combined Ratio
+1.3%99.2%
Industry avg (lower is better)
Commercial Lines Loss Ratio
-2.1%68.4%
Business insurance claims
Workers Comp Loss Ratio
+0.5%54.8%
Worker injury claims
GL Premium Growth
+1.2%+8.7%
General liability YoY
Catastrophe Losses (2026 YTD)
+12.3%$45.2B
Natural disasters impact
Premium Rate Change
+0.8%+6.2%
Avg across all lines
Industry News Feed
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Carrier Ratings (AM Best)
Commercial P&C| Carrier | Rating | Outlook | Specialty |
|---|---|---|---|
| Progressive | A+ | Stable | Commercial Lines |
| Travelers | A++ | Stable | Multi-Line |
| Hartford | A+ | Stable | Small Business |
| Liberty Mutual | A | Stable | Workers Comp |
| Nationwide | A+ | Stable | P&C |
State Market Data
7 StatesMO$12,450
+6.2%
234 filings
TX$14,200
+8.1%
567 filings
OK$11,890
+5.4%
178 filings
KS$10,980
+4.8%
145 filings
AR$11,230
+7.2%
112 filings
CO$13,450
+9.1%
289 filings
IA$10,560
+3.9%
98 filings
CAREERS
Insurance Industry Career Market
Job market insights, salary data, and licensing requirements for insurance professionals
Average Salaries by Role
2026 Data| Role | Salary Range | Demand | Growth (YoY) |
|---|---|---|---|
| Licensed Agent (Personal Lines) | $45,000 - $75,000 | High | +6.2% |
| Commercial Lines Agent | $68,000 - $105,000 | Very High | +12.4% |
| Non-Standard Lines Broker | $72,000 - $120,000 | High | +9.8% |
| Regional Sales Manager | $95,000 - $145,000 | High | +7.5% |
| National Sales Director | $150,000 - $280,000 | Medium | +5.3% |
| Actuary (Entry) | $75,000 - $110,000 | Very High | +18.2% |
| Actuary (Senior/Fellow) | $150,000 - $350,000+ | Very High | +15.8% |
| Underwriter | $62,000 - $95,000 | High | +8.3% |
| Claims Adjuster | $48,000 - $72,000 | Medium | +5.1% |
| Risk Manager | $85,000 - $135,000 | High | +9.7% |
| Agency Owner (Small 1-5) | $80,000 - $200,000 | High | +6.8% |
| Agency Principal (Mid-size) | $150,000 - $400,000 | Medium | +4.2% |
Licensing Quick Facts
Exam Pass Rate
68%
Avg Study Time
40-60 hours
Cost Range
$150 - $350
Renewal Period
2-3 years (varies by state)
Top States for Insurance Careers
Job Market Analysis| State | Avg Salary | Open Positions | Required Licenses |
|---|---|---|---|
| MO | $64,200 | 1,240 positions | P&C, Life & Health |
| TX | $71,800 | 3,850 positions | P&C, Life & Health, Title |
| CA | $82,400 | 5,620 positions | P&C, Life & Health |
| FL | $68,900 | 2,940 positions | P&C, Life & Health, 2-20 |
| IL | $69,300 | 1,890 positions | P&C, Life & Health |
Data sources: Bureau of Labor Statistics, state DOI databases, industry surveys
Explore Career Opportunities →INDUSTRY
Insurance Industry Landscape
Company sizes, broker types, and market segments in the insurance industry
Company Sizes
US MarketBoutique Agencies1-5 employees
Independent agents, family-owned shops285,000+
Small Agencies6-25 employees
Multi-agent offices, local specialists42,000+
Regional Brokerages26-250 employees
Multi-state operations, specialty lines8,500+
National Brokers250-5,000 employees
Multi-line, multi-region coverage450+
Global Insurers5,000+ employees
Fortune 500 carriers & reinsurers~100
Broker Types & Market Segments
P&C Market| Type | Focus | Market Share |
|---|---|---|
| Standard Lines | Preferred risks, A-rated carriers | 68% |
| Non-Standard/E&S | Hard-to-place, specialty risks | 18% |
| Wholesale/MGA | Binding authority, program business | 14% |
Standard lines: preferred risks with admitted carriers. Non-standard/E&S: hard-to-place risks via surplus lines.
Data aggregated from AM Best, NAIC, State DOIs, and industry sources. Updated every 15 minutes during business hours.
AM Best|NAIC|Insurance Journal|State DOI Filings|BLS