Where physicians face the heaviest liability exposure, how the underwriting environment has shifted over fifteen years, and what specific states look like over time.
Each state scored 0–75 from three components: damage cap structure, NAIC-reported premium burden per physician, and litigation environment.
Lower scores favor physicians. Pennsylvania and New York anchor the hostile tier; Texas, Wisconsin, and North Dakota anchor the favorable tier.
Each tile shows the same map, colored by that year's loss & DCC ratio per state. A ratio above 100% means insurers paid out more in losses and defense costs than they collected in earned premium.
Watch the warm colors expand and deepen from left to right. Hover any state in any year to track it across all years.
Pick a preset or build your own comparison. Track how the underwriting climate and premium burden have moved within specific states over fifteen years.