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Directory · State regulator company lists · Updated 2026-10-18

Insurance companies directory

Every property and casualty insurer on the states' public company lists, joined by NAIC number: where each is admitted, where it's eligible for surplus lines, the lines it's licensed for, who writes the most of each line, the rules carriers publish, and the market of last resort in every state. Free to search and download.

3,628 property and casualty insurance companies appear on the public lists of the 37 state regulators loaded so far: 3,197 licensed (admitted) somewhere, 861 eligible for surplus lines somewhere, 431 surplus-lines only. Each company's page shows its status state by state, the lines it's licensed for, and its premium rank where regulators publish every company (California, Illinois, North Carolina, South Dakota, Texas, Wisconsin).

Search the directoryWho's likely to insure me?By state

By Sam Alishahi, independent insurance broker · Data from 2026-10-18

The market

Who can insure you

3,197licensed (admitted) P&C insurers; 1,559 licensed for auto, 1,543 for property, 1,974 for liability
861eligible surplus lines insurers for hard-to-place risks (Lloyd's, Lexington, Kinsale, Scottsdale and others)
1,383licensed for workers' compensation; 1,086 for surety bonds
Illinoismost common home state (230), then Texas (229), Ohio (179), New York (154)
By state

Every state's companies

Lists loaded from Alaska, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Iowa, Idaho, Illinois, Kentucky, Massachusetts, Maryland, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Jersey, Nevada, New York, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Washington, Wisconsin, West Virginia, Wyoming; the other states' regulators keep their lists behind lookups that can't be read by machine, so those pages show Treasury surety licenses, domiciled companies and the last-resort market.

  • Alabama0 admitted · 0 surplus lines · no machine-readable list
  • Alaska726 admitted · 213 surplus lines
  • Arizona0 admitted · 0 surplus lines · no machine-readable list
  • Arkansas0 admitted · 0 surplus lines · no machine-readable list
  • California1,244 admitted · 135 surplus lines
  • Colorado933 admitted · 259 surplus lines
  • Connecticut995 admitted · 243 surplus lines
  • Delaware1,202 admitted · 0 surplus lines
  • District of Columbia0 admitted · 0 surplus lines · no machine-readable list
  • Florida914 admitted · 170 surplus lines
  • Georgia1,109 admitted · 0 surplus lines
  • Hawaii690 admitted · 0 surplus lines
  • Idaho872 admitted · 308 surplus lines
  • Illinois1,201 admitted · 0 surplus lines
  • Indiana0 admitted · 0 surplus lines · no machine-readable list
  • Iowa1,072 admitted · 201 surplus lines
  • Kansas0 admitted · 0 surplus lines · no machine-readable list
  • Kentucky1,017 admitted · 302 surplus lines
  • Louisiana0 admitted · 0 surplus lines · no machine-readable list
  • Maine0 admitted · 0 surplus lines · no machine-readable list
  • Maryland1,369 admitted · 180 surplus lines
  • Massachusetts850 admitted · 212 surplus lines
  • Michigan0 admitted · 0 surplus lines · no machine-readable list
  • Minnesota898 admitted · 171 surplus lines
  • Mississippi847 admitted · 289 surplus lines
  • Missouri1,568 admitted · 0 surplus lines
  • Montana0 admitted · 228 surplus lines
  • Nebraska1,109 admitted · 0 surplus lines
  • Nevada1,034 admitted · 0 surplus lines
  • New Hampshire0 admitted · 0 surplus lines · no machine-readable list
  • New Jersey889 admitted · 306 surplus lines
  • New Mexico0 admitted · 0 surplus lines · no machine-readable list
  • New York869 admitted · 332 surplus lines
  • North Carolina801 admitted · 193 surplus lines
  • North Dakota853 admitted · 0 surplus lines
  • Ohio1,110 admitted · 0 surplus lines
  • Oklahoma995 admitted · 233 surplus lines
  • Oregon620 admitted · 324 surplus lines
  • Pennsylvania0 admitted · 0 surplus lines · no machine-readable list
  • Rhode Island840 admitted · 212 surplus lines
  • South Carolina1,387 admitted · 0 surplus lines
  • South Dakota672 admitted · 0 surplus lines
  • Tennessee1,076 admitted · 233 surplus lines
  • Texas1,198 admitted · 417 surplus lines
  • Utah856 admitted · 102 surplus lines
  • Vermont0 admitted · 0 surplus lines · no machine-readable list
  • Virginia0 admitted · 0 surplus lines · no machine-readable list
  • Washington683 admitted · 314 surplus lines
  • West Virginia0 admitted · 244 surplus lines
  • Wisconsin1,118 admitted · 0 surplus lines
  • Wyoming764 admitted · 187 surplus lines
By line

Companies licensed for each line

By premium

The 10 largest writers across California, Illinois, North Carolina, South Dakota, Texas, Wisconsin

Direct premium written across all lines, summed over the states whose regulators publish every company's premium by line (California 2025, Illinois 2025, North Carolina 2025, South Dakota 2025, Texas 2025, Wisconsin 2024).

CompanyNAICHome statePremium written
State Farm Mutual Automobile Insurance Company25178IL$18.75B
Progressive County Mutual Insurance Company29203TX$9.42B
Interinsurance Exchange of the Automobile Club15598CA$6.04B
CSAA Insurance Exchange15539CA$5.05B
State Farm Fire and Casualty Company25143IL$4.96B
GEICO General Insurance Company35882NE$4.88B
State Farm Lloyds43419TX$4.35B
State Farm General Insurance Company25151IL$4.34B
Farmers Insurance Exchange21652CA$4.06B
United Services Automobile Association, USAA Reciprocal, Attorney-in-fact25941TX$3.65B
Countrywide

The largest insurer groups in the United States

Top 10 insurer groups by direct premium written in 2025, from the NAIC's Market Share Reports for Property/Casualty Groups and Companies by State. A group is the parent and its insurance companies together; share is the group's part of the state total for the line; loss ratio is losses incurred over premium earned.

#Insurer groupPremium writtenShareLoss ratio
1State Farm Group$115.28B10.43%70%
2Progressive Group$84.20B7.62%57%
3Berkshire Hathaway Group$63.63B5.76%63%
4Allstate Insurance Group$59.47B5.38%56%
5Travelers Group$43.14B3.90%53%
6Liberty Mutual Group$41.10B3.72%51%
7United Serv Automobile Assn Group$38.53B3.49%65%
8Chubb Ltd Group$34.68B3.14%58%
9Farmers Insurance Group$29.59B2.68%52%
10Zurich Insurance Group$18.83B1.70%65%
How insurers decide

What carriers say they will and won't insure

Eligibility rules from carriers' own published appetite guides and filed underwriting guidelines, with the source for each. Carriers change these; check the date.

ERGO NEXT (Next Insurance) BOP

carrier (admitted) · 48 states; not CA or FL, as of 2026-08-20

  • Revenue up to $5M
  • Total insured value up to $5M
  • Ineligible with more than 2 claims, or more than $20,000 in claims, in the last 3 years
  • Ineligible with bankruptcy or liens in the last 3 years; owner convicted of arson or fraud in the last 5 years
  • Ineligible at protection class 9 or higher
  • Ineligible if vacant 60 days or more
  • Ineligible with wood shake or slate roofs
  • Ineligible with aluminum wiring

Source

Chubb Small Business (California guide)

carrier (admitted) · CA (this guide)

  • BOP red (limited or no appetite): grocery, liquor stores, fast food, trucking, logistics, warehouses, schools, religious institutions
  • BOP amber (case by case): casual and fine dining, salons, wholesale, janitorial, HVAC, plumbing, electrical, landscaping contractors
  • BOP green (strong): offices, technology, lessor's risk only, bakeries and coffee shops, pharmacies
  • Management liability: revenue under $50M and fewer than 250 employees; offered in 44 states

Source

Kinsale small business casualty

carrier (surplus lines) · national (East and West territories), as of 2026-04

  • Small business means revenue under $2.5M
  • Fewer than 200 apartment units; buildings under 200,000 sq ft; vacant land under 1,500 acres
  • Contractor classes include roofing, EIFS/stucco, demolition, excavation; nearly 200 premises classes including vacant buildings, lessor's risk, hotels, habitational
  • Excess casualty: 5 years of currently valued loss runs and a description of any loss over $200,000

Source

Foremost vacant dwelling

carrier (admitted) · most states

  • No restriction based only on how long the home has been vacant; switches between vacant and rental use without rewriting
  • No restriction based only on the home's age
  • Dwelling value $5,000 to $1M; can be written to an LLC or trust
  • Filed guidelines (Maine) decline intentional or careless fire losses in the past 5 years
  • Filed guidelines (Maine) decline homes heated only by a wood stove or portable heater

Source

Travelers Contractors Pac / Select Accounts

carrier (admitted) · national (state guide)

  • Ineligible operations include roofing of any type, waterproofing of any type, handyman operations, fireproofing of structures and fire suppression systems; carpentry classes must perform no roofing
  • Subcontracted work must not exceed 25% of annual receipts
  • No construction defect claim in 10 years; no more than 2 claims per $10,000 of premium in 3 years
  • 3 years in business preferred
  • BOP 2.0 appetite: 16 industry segments

Source

Hanover homeowners (Maine filed guidelines)

carrier (admitted) · ME (filed); other states may differ, as of 2018-12-03

  • At most 2 losses in the prior 3 years
  • Roof under 25 years old; no flat or wood shingle roofs
  • Electrical at least 100 amp breakers and under 40 years old; no knob-and-tube or aluminum wiring; no polybutylene pipe
  • Within 5 road miles of a responding fire department

Source

Lexington (AIG) builder's risk

carrier (surplus lines) · national, as of 2025

  • Capacity up to $100M; wood frame up to $7.5M
  • $100,000 minimum premium

Source

US Assure builder's risk (surplus lines)

MGA (surplus lines) · national

  • Projects of $10M to $50M

Source

Colonial General vacant dwelling

program · includes CA

  • 1-4 family vacant dwellings (not commercial)

Source

King Support Systems dwelling fire (CA, non-admitted)

program (surplus lines) · CA

  • Accepts vacant homes
  • Property must be at least 150 feet from brush

Source

Zurich vacant commercial property (E&S)

carrier (surplus lines) · CA availability not confirmed

  • $10,000 minimum premium
  • Writes vacant commercial property

Source

California FAIR Plan (last resort)

residual market · CA, as of 2023-07-24

  • Ineligible if vacant or unoccupied more than one year, unless under construction
  • Ineligible: condemned, lender-owned, to be demolished, or used only for storage
  • Ineligible: owner with an insurance fraud or arson felony in the last 10 years
  • Substandard wiring, heating or construction is surcharged, not declined
  • Location or neighborhood cannot be a reason to decline (the plan exists for areas the market won't write)
  • Dwelling 1-4 units and commercial (including 5+ unit habitational, farms, wineries); broker must search the regular market first and register on the broker portal
  • Residential coverage limit $3,000,000 per location (all coverages combined); commercial $20,000,000 per location

Source

Citizens Property Insurance (Florida, last resort)

residual market · FL, as of 2024-08-01

  • Coverage past the stated roof age once, if remaining useful life supports it, with Citizens' roof form or a Florida-licensed roofer's report

Source

State Farm General homeowners (California)

carrier (admitted) · CA, as of 2024-02-05

  • Not accepting new California homeowners applications since May 27, 2023; a filing to resume only for homes with an IBHS Wildfire Prepared Home designation is pending with the California Department of Insurance (as of October 2026)
  • Uses a CoreLogic brushfire model for underwriting eligibility; non-renewals by ZIP published (e.g. 90272: 69.4%)

Source

California Earthquake Authority (CEA)

residential earthquake (publicly managed, privately funded) · CA, as of 2026-10-18

  • Sold only alongside a residential policy from a CEA participating insurer (the home's own insurer); it is not a standalone purchase
  • A home insured by a non-participating company or by the FAIR Plan buys earthquake coverage from a private earthquake insurer instead

Source

Brotherhood Mutual Insurance Company

carrier (admitted) · most states, as of 2026-10-18

  • Writes churches, ministries, Christian schools and colleges, camps and related nonprofits only; not a general commercial market

Source

Foremost manufactured and mobile home

carrier (admitted) · most states, as of 2026-10-18

  • Manufactured and mobile homes of most ages and conditions, including older homes other carriers decline
  • Owner-occupied, seasonal, rental and vacant occupancies have programs
  • Sold through independent agents

Source

Hagerty collector vehicle program

program (admitted) · all states, as of 2026-10-18

  • Collector, classic, antique and exotic vehicles kept garaged and driven on a limited, pleasure basis; agreed value coverage
  • Not for daily drivers or commuting

Source

American Modern collector car

carrier (admitted) · most states, as of 2026-10-18

  • Collector vehicles 25 years and older and newer specialty cars, agreed value, limited pleasure use, garaged

Source

Markel child care program

carrier (admitted) · most states, as of 2026-10-18

  • Child care centers, preschools, home day cares and before/after-school programs; general liability with abuse and molestation coverage, professional liability, property
  • Home day care (family child care) is a separate small program; centers above home-day-care capacity go on the center program

Source

Philadelphia Insurance day care

carrier (admitted) · all states, as of 2026-10-18

  • Licensed day care and child care centers, nursery schools and preschools; package with abuse and molestation and professional liability

Source

Nobody will insure you?

The market of last resort, by state

Every state has a way to get insured when standard companies say no, usually at a higher price and with narrower coverage.

Last resortLinesWhereHow to get in
Property FAIR Plansdwelling fire, homeowners, commercial propertyCA, CO, CT, IL, IN, IA, KS, KY, MN, MO, OH, OR, PA, TX, WI, WV, LA, DE, DC, GA, HI, MD, MA, MI, NJ, NM, NY, NC, RI, VA, FLEach state's plan; California: broker searches the regular market first, registers on the broker portal (cfpnet.com); a DIC wrap is optionalSource
Beach and windstorm poolswind, homeowners, commercial propertyTX, FL, LA, MS, AL, SC, NCTX TWIA, FL Citizens, LA Citizens, MS Windstorm UA, AL Insurance UA, SC Wind & Hail UA, NC IUA. Each plan's own siteSource
Auto assigned-risk planspersonal auto, commercial autoall states (AIPSO runs CA CAARP and Low Cost Auto plus AK, AZ, CO, ID, MT, NV, NM, OR, UT, WA, WY; CAIP handles commercial auto)California CAARP: any CA fire and casualty licensee can get certified (application and license copy to [email protected]) Elsewhere the state's Automobile Insurance Plan administered by AIPSO (aipso.com), through any licensed agent.Source
Workers' comp residual marketsworkers' compNCCI pools in 27 jurisdictions; monopolistic state funds in ND, OH, WA, WY; CA State Compensation Insurance Fund is the statutory last resortNCCI online application (ACORD 130 and 133); NCCI's VCAP flags voluntary carriers interested in the risk; NC and MA use their own systems Texas has no residual market (coverage is optional for most Texas employers).Source
Surplus lines and Lloyd's open marketallall states, under each state's diligent-search rulesThrough surplus lines wholesalers; commercial property and liability have no guaranteed plan, so this is their last stepSource
Texas Mutual Insurance Company (insurer of last resort)workers' compTXTexas has no assigned-risk pool; by statute Texas Mutual must offer workers' compensation to Texas employers who can't get it elsewhere. Apply through an agent or directly with Texas Mutual.Source
All companies

Find a company

Type a company name or NAIC number, or browse the index. Every company with enough data has its own page.

Companies A to Z

  • 0–924 companies
  • A423 companies
  • B112 companies
  • C303 companies
  • D66 companies
  • E114 companies
  • F229 companies
  • G168 companies
  • H149 companies
  • I104 companies
  • J11 companies
  • K29 companies
  • L418 companies
  • M237 companies
  • N150 companies
  • O75 companies
  • P229 companies
  • Q14 companies
  • R99 companies
  • S268 companies
  • T123 companies
  • U107 companies
  • V47 companies
  • W104 companies
  • X9 companies
  • Y6 companies
  • Z10 companies

Method and source

Company lists come from each state insurance regulator's public company search or licensing report (Alaska, read 2026-10-18; California Department of Insurance, read 2026-10-17; Colorado, read 2026-10-18; Connecticut, read 2026-10-18; Delaware, read 2026-10-18; Florida Office of Insurance Regulation, read 2026-10-18; Georgia, read 2026-10-18; Hawaii, read 2026-10-18; Iowa, read 2026-10-18; Idaho, read 2026-10-18; Illinois, read 2026-10-18; Kentucky Department of Insurance, read 2026-10-17; Massachusetts, read 2026-10-18; Maryland Insurance Administration, read 2026-10-17; Minnesota, read 2026-10-18; Missouri, read 2026-10-18; Mississippi Insurance Department, read 2026-10-17; Montana, read 2026-10-18; North Carolina, read 2026-10-18; North Dakota, read 2026-10-18; Nebraska, read 2026-10-18; New Jersey, read 2026-10-18; Nevada Division of Insurance, read 2026-10-17; Excess Line Association of New York (DFS-licensed and eligible excess line insurers), read 2026-10-17; Ohio Department of Insurance, read 2026-10-17; Oklahoma, read 2026-10-18; Oregon, read 2026-10-18; Rhode Island, read 2026-10-18; South Carolina, read 2026-10-18; South Dakota, read 2026-10-18; Tennessee, read 2026-10-18; Texas Department of Insurance, read 2026-10-17; Utah, read 2026-10-18; Washington Office of the Insurance Commissioner and the Surplus Line Association of Washington, read 2026-10-17; Wisconsin, read 2026-10-18; West Virginia, read 2026-10-18; Wyoming, read 2026-10-18), joined by NAIC company code. Where a surplus lines list carries no NAIC number (California's LASLI), companies are matched by name. Lines are each regulator's licensed lines grouped into common names. Premium and rank come from the market share reports that list every company (California 2025, Illinois 2025, North Carolina 2025, South Dakota 2025, Texas 2025, Wisconsin 2024), plus Washington's top-40 lists; surety licenses from the U.S. Treasury's Circular 570. The appetite rules are from each carrier's published guide or filed guidelines, linked with each; last-resort plans from each plan's operator. The lists are re-read weekly and every change is logged on the company and state pages.

Open to use. Please cite "Alishahi Insurance insurance company directory" and link to this page. Download every company: CSV · JSON.

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