DIFP's Statistics Section collects information, maintains databases and publishes reports on the insurance markets in Missouri. With this information, the department aims to facilitate the flow of insurance market information for consumers, insurance companies and departmental staff and to monitor the availability and affordability of insurance coverage in Missouri.
Reports generated annually
Complaint index report
Complaints filed against Missouri insurers during the past three years. Companies are categorized by line of business and type of complaint. Company performance is compared to the Missouri industry average.
Market share report
Market data for the top 35 firms and insurance groups and insurance groups, including historical trends, for each line of business.
Supplement data reports for property & casualty and life & health
Data on written premium, loss ratios, and other data for all property and casualty and life and health insurers licensed in Missouri for all major lines of business.
Market conduct annual statement
Industrywide averages for 2010, including underwriting and claims payment times.
Autism report and ABA limits
Missouri law requires the Department of Insurance to issue an annual report to the legislature assessing the impact of the autism mandate on the insurance marketplace, and adjust the annual benefit limit for inflation.
HMO data from the annual financial statements, such as premiums earned and costs incurred for health-related services. It also includes enrollment data, including enrollment for specified regions of the state.
Medical malpractice report
Aggregate claims for the three years before the report. Includes information on claim frequency, loss ratios by company, by type of insured, average dollar settlements, litigated claims, average time to close claims and other trends in medical malpractice.
Real estate malpractice report
A 10-year summary by area of real estate for filed claims, major activity responsible for alleged error or omission, most significant reasons for claims, years of real estate experience for the insured and relationship of the insured to the claimant.
Legal malpractice report
A 10-year summary by area of law for filed claims, major activity responsible for alleged errors or omissions, most significant reasons for claims, years admitted to practice and relationship of the insured to the claimant.
Product liability report
Aggregate claims analysis incorporating three years of data. Included are indemnity paid per claim, average loss expense, average initial reserve, average time to close claims, business classification loss experience, product indemnity analysis and resolution and expense of litigated claims.
Mortgage guaranty insurance report
Reports data from the most recent year and for more than two decades for both residential and commercial lines of mortgage guaranty insurance. The data includes earned premium by company, losses paid, outstanding claim reserves, IBNR reserves, contingency reserves, loaded loss ratios and true loss ratios.
DIFP Annual Report
Outlines the agency's mission and organizational structure, and summarizes major activities for the year.
First Steps Report (February 2012)
Senate Bill 500, passed in 2005, requires licensed health insurers and HMOs to include coverage in their benefit packages for services provided under the First Steps Program. This report details the number of children receiving private insurance coverage for the program and the total amount paid for children with private insurance coverage.
Special reports (paper copies are available for $35 each):
- Missouri Bail Bond Study Committee (January 2010)
- Prompt Pay for a Healthy Missouri Project (December 2009)
- DIFP medical malpractice actuarial analysis - 1996-2008
- Earthquake Insurance Task Force (December 2008)
- Pre-need funeral contracts special investigation (2008)
- Missouri Health Care Stabilization Fund Feasibility Board
- Workers' compensation - NCCI loss cost filing
- Summary of market structure and performance: Private passenger automobile iInsurance & homeowners insurance (May 2007)
- Study to assess the impact of the Mental Health and Substance Abuse Insurance Act (HB 191) (February 2004)
- Insurance-based credit scores: impact on minority and low-income populations in Missouri (January 2004)
The department also maintains the following databases:
Missouri ZIP code insurance data for homeowners/dwelling fire, farm owners, mobile Home, earthquake and private passenger automobile
Missouri law requires insurers writing personal lines insurance to file data by ZIP code, including exposures written, premium written, loss paid count and losses paid. Data is collected on an annual basis.
Medigap (Medicare supplement) experience data
Since 1982, companies writing Medigap insurance have reported their experience by policy number. Included are annual premium and loss experiences.
Commercial liability experience data
Provides information on companies writing commercial liability insurance, including a profitability report and a summary of the claims, closed and outstanding, for specific commercial lines of insurance.
The Department of Insurance compiles a sophisticated database of ZIP code information on premium sales, losses and exposures from company reports. Aggregate data (non-company specific) is available to the public by exposures written, premium written, number of losses and losses paid. Please email or call us at 573-526-3911 to place your request.
ZIP code data years available
Mobile home (1993-present)
Farm owners (1993-present)