B
Commerce & Industry Ins Co
Rating Date
June 2026
NAIC
Classification
Property & Casualty
Risk Adjusted
Capital Ratio #1
2.69
Risk Adjusted
Capital Ratio #2
1.71
Loss
Ratio
60.49%
Total
Assets
1.76B
Capital
499.70M
Net
Premiums
417.07M
Net
Income
110.56M
My Lists My Alerts
Auto Physical Damage
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2025
4,395
1,078
5,473
19.70%
23.88%
2024
4,446
1,069
5,515
19.38%
23.31%
2023
4,561
1,008
5,569
18.10%
22.83%
2022
4,391
982
5,373
18.28%
23.10%
2021
4,285
911
5,196
17.53%
22.81%
Commercial Auto Liability
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2025
3,574
1,209
4,783
25.28%
49.08%
2024
3,626
1,225
4,851
25.25%
47.46%
2023
3,780
1,169
4,949
23.62%
47.29%
2022
3,596
1,111
4,707
23.60%
45.44%
2021
3,678
1,099
4,777
23.01%
44.40%
Commercial Multiple Peril
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2025
297
111
408
27.21%
42.44%
2024
338
119
457
26.04%
41.75%
2023
421
124
545
22.75%
38.64%
2022
415
121
536
22.57%
39.39%
2021
458
111
569
19.51%
40.41%
Homeowners & Farmowners
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2025
1,485
530
2,015
26.30%
38.98%
2024
1,696
626
2,322
26.96%
39.58%
2023
1,832
645
2,477
26.04%
36.96%
2022
2,161
666
2,827
23.56%
37.07%
2021
2,406
601
3,007
19.99%
39.17%
Medical Professional Liability (Claims Made)
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2025
0
2
2
100.00%
95.15%
2024
0
2
2
100.00%
96.08%
2023
0
1
1
100.00%
95.22%
2022
0
2
2
100.00%
96.00%
2021
0
2
2
100.00%
93.58%
Medical Professional Liability (Occurrence)
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2025
0
0
0
0.00%
94.16%
2024
0
0
0
0.00%
92.29%
2023
0
0
0
0.00%
92.52%
2022
0
0
0
0.00%
92.14%
2021
0
0
0
0.00%
91.74%
Other Liability: Claims Made
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2025
23
126
149
84.56%
83.87%
2024
25
119
144
82.64%
81.44%
2023
24
103
127
81.10%
74.87%
2022
22
67
89
75.28%
72.69%
2021
18
78
96
81.25%
79.01%
Other Liability: Occurrence
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2025
863
356
1,219
29.20%
13.25%
2024
958
320
1,278
25.04%
12.32%
2023
1,093
338
1,431
23.62%
16.34%
2022
1,246
301
1,547
19.46%
11.13%
2021
1,350
334
1,684
19.83%
18.93%
Private Passenger Auto Liability
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2025
40
4
44
9.09%
45.21%
2024
44
5
49
10.20%
45.23%
2023
42
4
46
8.70%
44.64%
2022
47
7
54
12.96%
46.15%
2021
54
4
58
6.90%
46.87%
Product Liability: Claims Made
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2025
0
0
0
0.00%
84.76%
2024
0
0
0
0.00%
84.35%
2023
0
0
0
0.00%
68.07%
2022
0
0
0
0.00%
77.84%
2021
0
0
0
0.00%
84.45%
Product Liability: Occurrence
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2025
32
10
42
23.81%
63.59%
2024
30
9
39
23.08%
63.97%
2023
32
13
45
28.89%
62.55%
2022
45
13
58
22.41%
56.52%
2021
22
9
31
29.03%
62.74%
Warranty
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2025
2
0
2
0.00%
3.84%
2024
2
0
2
0.00%
4.30%
2023
2
0
2
0.00%
4.57%
2022
2
0
2
0.00%
4.29%
2021
2
0
2
0.00%
5.64%
Workers' Compensation
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2025
178
85
263
32.32%
34.83%
2024
210
115
325
35.38%
35.33%
2023
265
147
412
35.68%
35.67%
2022
277
294
571
51.49%
37.14%
2021
355
108
463
23.33%
35.46%