2025 WI Property & Casualty Line of Business Profitability Summary
This 2025 Wisconsin P&C Line of Business Profitability Summary provides an account of the profitability of P&C insurers in Wisconsin, with comparison to the United States overall. The goal is to provide a better perspective, and insights on insurer underwriting choices. It is useful to be aware of how profitable a specific line of business is in your state when discussing insurer profitability with your prospects, insureds, or in your state legislature. While Direct Combined Ratios are used in other Real Insurance Solutions Consulting (RISC) Marketplace Summaries, Underwriting +Profit and –Loss is used in this 2025 Wisconsin P&C Line of Business Profitability Summary, as it is the most intuitive way to look at insurance company (insurer) profitability per premium dollar. In the case of favorable or positive P&C insurer results, “Underwriting Profit” or “+Profit” is used.
In the case of unfavorable or negative results, an “Underwriting –Loss” or “–Loss” is used. For clarification, Appendix #1: Defining Underwriting +Profit and –Loss provides an explanation of the correlation
