Indices

Indices provide a live, time-based view of insurance pricing and market activity by tracking Rate on Line (RoL) across geographies and perils, anchored to underlying premium volume.

Each index represents aggregated market behavior derived from real insurance placements. Users can move through time to observe how pricing evolves, identify inflection points, and understand how shifts in capital, appetite, and risk selection translate into observable market movement.

Indices can be viewed at the state, city, or peril level. For each view, the Terminal surfaces both pricing and market structure in a single frame.

Index Methodology

Index values are calculated using a 120-day rolling average. This smoothing reduces short-term volatility while preserving meaningful pricing trends and market directionality.

The same methodology applies to RoL metrics displayed at the state, city, and peril level throughout the Terminal—ensuring consistency across all aggregate and market-level views.

Peer-level metrics, such as those used in Pricing Comparables, are not smoothed. These values reflect actual bound policy data to preserve precision at the transaction level.

Index Structure

At the core of each index is a time-series chart showing RoL over the selected period. Alongside pricing movement, users are shown key market context, including total premium represented in the index and current pricing levels by coverage type where available.

Geographic Indices

Geographic indices extend beyond pricing alone. State- and city-level views include breakdowns of premium concentration, highlighting the carriers and brokers most active in that market. This allows users to connect changes in pricing with changes in participation and distribution.

Peril Indices

Peril-level indices isolate risk-specific dynamics. These views surface where premium is being deployed for a given peril, how that activity is distributed across states, and which carriers are providing capacity. Where sufficient data exists, pricing trends are shown alongside participation; where it does not, premium and market structure remain visible to preserve transparency.

Together, indices allow users to observe insurance markets as they actually function—combining price, volume, geography, and participants—and to interpret pricing movement in the context of real market behavior rather than isolated transactions.