Net Written Premium

An insurer’s total premiums after subtracting what it hands to reinsurers. A core measure of how much risk it’s actually keeping.

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.