2025 Aon Public Transit Liability Benchmark Report

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2025 Aon Public Transit Liability Benchmark Report

2025 Aon Public Transit Liability Benchmark Report

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Public Transit Liability Analysis

The industry has been navigating a complex web of challenges resulting from evolving hybrid and remote work patterns, infrastructure improvements, inflation, governmental changes, and budget challenges. These factors, alongside social inflation driving higher claims settlements, continue to shape the operational landscape for public transit entities.

Key Findings

Overall Results and Trends

Severity

  • Overall public transit liability claim severity is increasing at a 5% annual rate.
  • The severity forecast for accident year 2024 is $21,571.

Frequency

  • Overall public transit liability claim frequency is increasing at an annual rate of 4%
  • The forecasted 2024 accident year frequency for bus and rail operations combined is 0.38% per 1,000 riders. In other words, this implies one occurrence per 262,711 riders.
  • The forecasted 2024 accident year frequency for incident-only/$0 claims is 0.62% per 1,000 riders. This implies one incident-only report per 161,292 riders.

Loss Rate

  • Overall public transit liability loss rates are increasing by an average of 9% annually.
  • The forecasted 2024 accident year loss rate for bus and rail operations combined is $82.11 per 1,000 riders, or approximately 8.2 cents per rider.
2025 Aon Public Transit Liability Benchmark Report

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2025 Aon Public Transit Liability Benchmark Report

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