You are receiving this 2026 Massachusetts Annual P&C Marketplace Summary as a benefit of your membership in the Massachusetts Association of Insurance Agents.
This Summary focuses on direct premiums, direct losses, and associated underwriting results before reinsurance. It includes Direct data from the approximately 3,000 U.S.-domiciled insurers, highlighting those that have written premiums in Massachusetts. Direct data is the insurer data that most closely demonstrates what is happening in the P&C marketplace. As independent agents, we operate within this marketplace—competing for, explaining, and placing P&C insurance across the state.
This 2026 Massachusetts Annual P&C Marketplace Summary provides you with data and insights into the following important aspects of the Massachusetts P&C marketplace:
• Premiums for all 32 P&C Lines of Business
• The Top 10 Lines of Business for Independent Agents
• Loss and Combined Ratios by Line of Business
• Premium Change Rates
• Independent Agent Penetration Rates
• Commission Rates
• Surplus Lines
• P&C Premium Tax Revenue
• Largest/Highest and Smallest/Lowest states, and U.S. Average
• In-Depth Details on the Lines of Business focused on by Independent Agents
To enhance your understanding, this Summary includes five Appendices: Distribution Style Classification, NAIC Line of Business Definitions, Lines of Business—Visual Reference and Abbreviations of Key Terms, a Massachusetts All Active Insurers List, and Massachusetts Fastest Growing Insurers.
View the 2026 Massachusetts Annual P&C Marketplace Summary here.