# Pythia Insurance

> Insurance data & intelligence for P&C and L&H — carrier & commission benchmarks, market sizing and rate forecasts built on two decades of filings.

Contact: info@pythiains.com

Customer sign-in: https://delphi.pythiains.com

This index lists every page on www.pythiains.com.

Sitemap: https://www.pythiains.com/sitemap-index.xml

## Start here

- [FAQ](https://www.pythiains.com/faq/): What Pythia covers for P&C and L&H insurance: carrier benchmarking, market sizing, rate forecasting and 45M+ DOI documents.
- [FAQ, full text](https://www.pythiains.com/llms-full.txt): Every question and answer above as plain text in one file, plus the blog in full. Fetch this instead of rendering the HTML.

## Pages

- [Home](https://www.pythiains.com/): 30+ years of carrier and rate data plus two decades of filings for P&C and L&H — commission benchmarks, market sizing and rate forecasts.
- [Blog](https://www.pythiains.com/blog/): Research notes and market commentary from the Pythia team on Property & Casualty: E&S growth, California homeowner rates and commission economics.
- [Request a demo](https://www.pythiains.com/request-demo/): Email us to arrange a demo of Pythia's ALPHA and ZETA suites for P&C and L&H: carrier and commission benchmarking, market sizing and rate forecasts.

## Reference

- [Sources, Metrics & Methodology](https://www.pythiains.com/sources-metrics-methodology/): Where Pythia's data comes from and how it is built: NAIC, PIPSO, SERFF, BLS, BEA, Census and FEMA, with the aggregation and allocation methods.
- [User Guide](https://www.pythiains.com/user-guide/): How to use the DELPHI platform: navigating use-case panels, exporting data, and the line of business and carrier classification systems.

## Blog

- [Strategic partnership launch with Perr & Knight](https://www.pythiains.com/blog/strategic-partnership-launch-with-perr-knight/): PK1Cloud, a division of Perr & Knight, and Pythia announce a strategic partnership to deliver AI-powered intelligence to the P&C insurance market.
- [The P&C Market in 2024: A Year of Milestones](https://www.pythiains.com/blog/the-pc-market-in-2024-a-year-of-milestones/): The P&C market passed $1 trillion in total premiums and $100 billion in Excess & Surplus in 2024. What the milestones actually tell us.
- [How California homeowners may end up paying over $4K in insurance by 2028](https://www.pythiains.com/blog/how-california-homeowners-may-end-up-paying-4k-in-insurance-by-2028/): Wildfires in the Los Angeles metro area are compounding an already difficult market for California households, businesses and carriers.
- [What does $1 of fixed commissions buy you?](https://www.pythiains.com/blog/what-does-1-of-fixed-commissions-buy-you/): For Admitted General Liability in New Jersey, $1 of incremental fixed commission yields roughly $2.50 in loss reduction — a 150% return.
- [The Rapid Growth of California's Excess and Surplus Market](https://www.pythiains.com/blog/ca-es-market/): E&S now accounts for over 20% of California's insurance market. Independent agents wrote more than $12 billion of E&S P&C premiums last year.

## Legal

- [Privacy Policy](https://www.pythiains.com/privacy-policy/): How Pythia Insurance collects, uses and stores your personal data, your rights under GDPR and the UK DPA, and how we use and manage cookies.
- [Terms of Use](https://www.pythiains.com/terms-of-use/): The terms governing access to and use of Pythia Insurance's services and data products: permitted use, restrictions, billing, cancellation and liability.