Below are the Top 10 insurance companies ranked by direct written premium and accident year loss ratios

Direct Written Premium: Direct Written Premium is the total amount of premium an insurance company receives from policyholders for policies it has written directly, before any deductions for reinsurance.

Accident Year Loss Ratio: The Accident Year Loss Ratio measures the incurred losses and loss adjustment expenses from claims that occurred during a specific calendar year (regardless of when those claims occurred) divided by the earned premium for that same calendar year. Because claims for certain products take years to develop (late reporting, litigation development etc…) the accident year loss ratio measures the loss ratio for any given calendar year as it changes over time.