{"state":"FL","line":"total_all_lines","year":2024,"sample":true,"carriers":[{"rank":1,"entity_kind":"group","naic_code":"155","name":"PROGRESSIVE GRP","dpw":10500278000,"dpe":10372810000,"loss_ratio":53.95,"lcc_ratio":56.93,"market_share":10.98,"cumulative_market_share":10.98,"yoy_dpw_pct":11.44,"share_delta_pts":0.28},{"rank":2,"entity_kind":"group","naic_code":"31","name":"BERKSHIRE HATHAWAY GRP","dpw":8935207000,"dpe":9025686000,"loss_ratio":60.61,"lcc_ratio":64.31,"market_share":9.34,"cumulative_market_share":20.32,"yoy_dpw_pct":2.99,"share_delta_pts":-0.51},{"rank":3,"entity_kind":"group","naic_code":"176","name":"STATE FARM GRP","dpw":8028626000,"dpe":7759971000,"loss_ratio":53.77,"lcc_ratio":60.84,"market_share":8.4,"cumulative_market_share":28.72,"yoy_dpw_pct":16.19,"share_delta_pts":0.55},{"rank":4,"entity_kind":"company","naic_code":"10064","name":"CITIZENS PROP INS CORP","dpw":4597894000,"dpe":4953198000,"loss_ratio":54.09,"lcc_ratio":56.68,"market_share":4.81,"cumulative_market_share":33.53,"yoy_dpw_pct":-9.33,"share_delta_pts":-0.95},{"rank":5,"entity_kind":"group","naic_code":"8","name":"ALLSTATE INS GRP","dpw":4495620000,"dpe":4461283000,"loss_ratio":66.55,"lcc_ratio":72.83,"market_share":4.7,"cumulative_market_share":38.23,"yoy_dpw_pct":7.62,"share_delta_pts":-0.04}],"total":{"dpw":95626964000,"dpe":93193878000,"loss_ratio":62.43,"lcc_ratio":67.55},"all_other":{"dpw":48421422000,"market_share":50.64},"concentration":{"cr4":33.53,"cr10":49.36},"report_date":"2025-06-01","data_as_of":"2024","source":"NAIC Market Share Reports for Property/Casualty Groups and Companies, 2024 data year (June 2025)","coverage_note":"Source: free annual NAIC Market Share Report. Tables are top-125 countrywide ('us'/'us_alien' scope) or top-10 per jurisdiction ('state' scope) ONLY -- absence from these results does NOT mean a carrier writes no business there. Rows mix entity_kind 'group' (NAIC group code) and 'company' (cocode) in one ranking, per the report's own methodology. HHI is not computable from a truncated table; concentration is served as CR4/CR10 (cumulative_market_share at ranks 4 and 10), nullable when the table has fewer ranks.","note":"Free sample: FL top-5 carriers, total_all_lines, latest year. Other states, lines, full rankings (up to 125 countrywide), carrier profile trajectories, and cross-state footprint comparisons are paid endpoints (see /openapi.json)."}