State dossier / SLACAL
California
Conditions: Growing YoY, but Softening vs LY
Last scraped November 04, 2026 at 12:29 PM
Last scraped November 04, 2026 at 12:29 PM
DESK READ Condition, scale, and direction lead the dossier. Monthly movement and relative pace follow before carrier, broker, and industry detail.
Market conditions: Growing YoY, but Softening vs LY
Premium grew +0.9% vs +26.6% over the same period last year — still growing, but the slowdown points to a softening market. (Jan–Oct 2026 vs same months prior years)
Premium is up 1% this year
California has written $20.17B through Oct 2026, versus $19.99B over the same months of 2025 — the monthly trend chart below shows what that looks like month by month.
Oct came in up 15%
Oct 2026 brought in $2.26B — up 15% from Oct 2025 ($1.97B).
Top carrier
Lloyd'S Of London leads California's carrier rankings with $2.61B, 13% of state premium. That's 4.5× 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 ($7.67B combined).
$20.17B
YTD 2026 Premium
1,729,434
YTD 2026 Transactions
$11,663
Avg Policy Size
vs $13,948 same months 2025 -16.4%
$2.26B
Premium in 2026-10
22
Months of Data
101
Ranked Carriers
49
Broker Groups
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