State dossier / SLACAL
California
Conditions: Declining YoY, and Softening vs LY
Last scraped September 22, 2026 at 11:48 PM
Last scraped September 22, 2026 at 11:48 PM
DESK READ Condition, scale, and direction lead the dossier. Monthly movement and relative pace follow before carrier, broker, and industry detail.
Market conditions: Declining YoY, and Softening vs LY
Premium fell 0.7% after growing +32.8% over the same period last year — growth has flipped to decline, consistent with a softening market. (Jan–Aug 2026 vs same months prior years)
Premium is down 1% this year
California has written $15.90B through Aug 2026, versus $16.01B over the same months of 2025 — the monthly trend chart below shows what that looks like month by month.
Aug came in up 18%
Aug 2026 brought in $2.50B — up 18% from Aug 2025 ($2.11B).
Top carrier
Lloyd'S Of London leads California's carrier rankings with $2.18B, 13% of state premium. That's 4.4× the premium of #2, Scottsdale Insurance Company.
Broker concentration
The three biggest broker groups — R-T Specialty, Llc, Amwins Group Inc., Crc — place 38% of California's surplus lines premium ($6.59B combined).
$15.90B
YTD 2026 Premium
1,358,613
YTD 2026 Transactions
$11,704
Avg Policy Size
vs $14,508 same months 2025 -19.3%
$2.50B
Premium in 2026-08
20
Months of Data
107
Ranked Carriers
49
Broker Groups
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