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Q3 2025 Premium Filing Compliance Update and Required Actions

January opened with a year-over-year decline in premium as total written premium for the month reached just over $1.1 billion, down 16 percent from January 2025. Policy count declined more modestly to 122,642 filings, a 4 percent decrease. As premium declined at a faster pace than policy volume, the average cost per policy fell 12 percent, from $10,657 to $9,352. This divergence between premium and policy count remains a defining characteristic of the current market cycle.

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