Kemper KMPR Commercial Automobile Insurance—Liability — Year 1

Other product segments

Specialty Personal Automobile Insurance—Physical Damage

94.7%+1.8%

Homeowners

67.5%+0.7%

Specialty Personal Automobile Insurance—Liability

37.2%-2.1%

Preferred Personal Automobile Insurance—Liability

30.8%+1.0%

Similar metrics at other companies

HMNAutomobile Liability — Year One

37.1%-0.1pp

CNACommercial Auto — Year 1

22.6%-1.1pp

HIGCommercial automobile physical damage — 1st Year

80.7%+2.5pp

ORICommercial Automobile — Year 1

35%-0.4pp

CNAGeneral Liability — Year 1

3.4%0.0pp

HMNAutomobile Liability — Year Two

35.6%+0.3pp

Other financials

Income statement

See full

Revenue$1.1B-7.2%

Operating income$132.4M+440%

Net income-$1.7M-102%

EPS (diluted)-$0.03-102%

Balance sheet

See full

Cash & equivalents$92.6M-19.8%

Total debt$944.0M-5.3%

Total equity$2.6B+624%

Total assets$12.4B-0.5%

Cash flow

See full

Operating cash flow$88.8M-50.7%

CapEx$10.9M+41.6%

Free cash flow$77.9M-54.8%

Valuation

See full

Market cap$1.54B-58.0%

Profitability

See full

Net margin1.1%-6.3pp

FCF margin9.8%-0.3pp

Returns & leverage

See full

Return on equity3.3%-20.1pp

Debt / equity0.4×-2.4×

Where this comes from

Reported directly by Kemper in its filing.

Tagged under the XBRL concept us-gaap:ShortdurationInsuranceContractsHistoricalClaimsDurationYearOne.

The official record: Kemper’s 10-K, filed February 11, 2026, on SEC EDGAR. View the filing →

Ask your AI about Kemper's commercial automobile insurance—liability — year 1.

Connect your AI assistant and compare segments, right in your chat.

Connect your AI

Claude

Questions, answered.

What is Kemper's commercial automobile insurance—liability — year 1?: Kemper (KMPR) reported commercial automobile insurance—liability — year 1 of 19.1% in Q4 2025.
How has Kemper's commercial automobile insurance—liability — year 1 changed year-over-year?: Kemper's commercial automobile insurance—liability — year 1 decreased by 11.2% year-over-year, from 21.5% to 19.1%.
What does commercial automobile insurance—liability — year 1 mean?: This metric represents the loss development experience for the commercial automobile liability segment during the first year following the accident year. It is a standard actuarial data point used to analyze the speed and severity of claim reporting and settlement patterns.