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SEARCH BY STATE |
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 |  |  Number of captives |
 Rank |  State |  2006 |  2007 |
| 9 | Kentucky | 10 | 31 |
($ millions) 
 |  Gross state product |
 State |  2005 |  2006 |
| Kentucky | 2,491 | 2,750 |
($000) 
 State |  Liability |  Nonliability |  Total incurred losses |
| Kentucky | 48,263 | 125,214 | 173,477 |
($000) 
 State |  Incurred losses |
| Kentucky | 434,457.6 |
($000) 
 State |  No-fault (PIP) |  Physical damage |  Other auto liability |  Total incurred losses |
| Kentucky | 173,208.8 | 417,655.8 | 720,411.8 | 1,311,276.5 |
($000) 
 State |  Incurred losses |
| Kentucky | 3,308,833.6 |
($000) 
 State |  Incurred losses |
| Kentucky | 411,151.3 |
($000) 
 |  Annual payroll |
 State |  2006 |  2007 |
| Kentucky | 1,925,213 | 2,089,480 |

 |  Number of employees |
 State |  2006 |  2007 |
| Kentucky | 34,050 | 35,755 |
($000) 
 State |  Claims and benefits paid |
| Kentucky | 4,347,078.9 |

 State |  Number of firms |
| Kentucky | 71,874 |

 |  Average expenditure (1) |
 State |  2004 |  2003 |  2002 |
| Kentucky | 758 | 739 | 688 |

 |  2006 |  2005 |  |
 State |  Liability |  Collision |  Compre- hensive |  Average expenditure |  Rank (1) |  Average expenditure |  Rank (1) |  Average expenditure percent change 2005-2006 |
| Kentucky | 484 | 266 | 132 | 739 | 28 | 751 | 26 | -1.5 |

 |  Homeowners |  Renters |  |  Homeowners |  Renters |
 State |  Average premium (1) |  Rank |  Average premium (2) |  Rank |  State |  Average premium (1) |  Rank |  Average premium (2) |  Rank |
| Kentucky | 628 | 39 | 163 | 33 | Texas (4) | 1,372 | 1 | 269 | 1 |
($000) 
 State |  Total, all lines |  State |  Total, all lines |
| Kentucky | 5,806,948 | Texas | 36,006,765 |
($000) 
 |  Private passenger auto |  Commercial auto |  |  |  |
 State |  Liability |  Coll./comp. |  Liability |  Coll./comp. |  Home-owners multiple peril |  Farmowners multiple peril |  Commercial multiple peril |
| Kentucky | 1,396,232 | 762,139 | 268,772 | 91,084 | 691,137 | 107,328 | 412,230 |
($000) 
 State |  Ocean marine |  Surety |  Fidelity |  Burglary and theft |  Boiler and machinery |  Financial guaranty |  Aircraft |
| Kentucky | 24,980 | 72,501 | 9,872 | 1,342 | 18,958 | 12,245 | 14,028 |
($000) 
 State |  Earthquake |  Federal flood |  Credit |  Accident and health |  Multiple peril crop |  Mortgage guaranty |  Misc. |
| Kentucky | 37,759 | 11,659 | 11,185 | 43,433 | 64,415 | 49,647 | 27,471 |
($000) 
 State |  Workers compensation |  Medical malpractice |  Products liability |  Other liability |  Fire |  Allied lines |  Inland marine |
| Kentucky | 637,084 | 173,862 | 31,638 | 404,019 | 119,605 | 83,755 | 228,569 |

 |  Number of |  |  |
 State |  Habitational policies |  Commercial policies |  Exposure ($000) |  Direct written premiums ($000) |
| Kentucky | 11,633 | 761 | 207,973 | 7,126 |
($ millions) 
 State |  Life insurance |  Annuities |  Accident and health insurance (2) |  Deposit-type contract funds |  Other considerations |  Total |
| Kentucky | 1,376 | 2,277 | 1,760 | 170 | 932 | 6,515 |
($000) 
 State |  Amount |  State |  Amount |
| Kentucky | 148,247 | Tennessee | 374,502 |

 State |  Voluntary |  Shared market |  Total |  Shared market as a percent of total |
| Kentucky | 2,924,688 | 583 | 2,925,271 | 0.020 |

 State |  Tornadoes |  Fatalities |
| Kentucky | 30 | 0 |
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