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Directory · Alabama · Updated 2026-10-18

Insurance companies licensed in Alabama

Every property and casualty insurer admitted in Alabama and every eligible surplus lines insurer, with NAIC numbers, the lines each is licensed for, who writes the most of each line, and the market of last resort when nobody else will.

Alabama's regulator doesn't publish a company list that can be read by machine (or it's behind a CAPTCHA or terms that bar automated use), so this page shows what public sources do say: 216 sureties licensed in Alabama per the U.S. Treasury, 43 insurers domiciled here, the state's markets of last resort, and each company's standing in the states that do publish lists.

By Sam Alishahi, independent insurance broker · All states

The market

Who can insure you in Alabama

0licensed (admitted) property and casualty insurers known from other states' lists and Treasury data
0eligible surplus lines insurers for hard-to-place risks
216Treasury-certified sureties licensed here
43insurers domiciled in Alabama
Who actually writes it

Market leaders by line in Alabama

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.

Earthquake

Top groups, 2025

  1. Ms & Ad Insurance Group · 11.4%
  2. State Farm Group · 11.4%
  3. American International Group · 10.6%
  4. Allianz Insurance Group · 6.6%
  5. United Serv Automobile Assn Group · 5.6%

Top 10 and every licensed company

Flood

Top groups, 2025

  1. Wright National Flood Insurance Co. · 23.4%
  2. Selective Insurance Group · 18.8%
  3. Assurant Inc Group · 16.2%
  4. Allstate Insurance Group · 9.2%
  5. Auto Owners Group · 8.5%

Top 10 and every licensed company

Bonds

Treasury-certified sureties licensed in Alabama

Companies on the U.S. Treasury's Circular 570 (acceptable sureties on federal bonds) that list a Alabama license, with each one's federal underwriting limit.

SuretyNAICHome stateUnderwriting limit
National Indemnity Company20087NE$25.10B
Liberty Mutual Insurance Company23043MA$2.72B
State Farm Fire and Casualty Company25143IL$2.69B
Nationwide Mutual Insurance Company23787OH$2.26B
Auto-Owners Insurance Company18988MI$1.77B
General Reinsurance Corporation22039DE$1.62B
Hartford Fire Insurance Company19682CT$1.33B
Cincinnati Insurance Company (The)10677OH$974.9M
Travelers Indemnity Company (The)25658CT$955.0M
Travelers Casualty and Surety Company19038CT$940.8M
Everest Reinsurance (Bermuda) Limited -26921DE$853.3M
Berkley Assurance Company32603DE$852.7M
Sentry Insurance Company24988WI$845.8M
Continental Casualty Company20443IL$794.3M
St. Paul Fire and Marine Insurance Company24767CT$745.8M
Federated Mutual Insurance Company13935MN$647.4M
Munich Reinsurance America, Inc.10227DE$644.6M
American Home Assurance Company19380NY$591.7M
Zurich American Insurance Company16535NY$584.9M
National Union Fire Insurance Company of Pittsburgh, Pennsylvania19445PA$584.7M
Ace American Insurance Company22667PA$554.1M
Progressive Casualty Insurance Company24260OH$553.7M
Federal Insurance Company20281IN$545.2M
Mid-Century Insurance Company21687CA$543.8M
Safety National Casualty Corporation15105MO$504.2M
Berkshire Hathaway Specialty Insurance Company22276NE$503.4M
Pacific Indemnity Company20346DE$446.4M
Endurance Assurance Corporation11551DE$422.8M
Philadelphia Indemnity Insurance Company18058PA$422.8M
Ace Property and Casualty Insurance Company20699PA$411.3M
Swiss Reinsurance America Corporation25364NY$374.8M
ACUITY, A Mutual Insurance Company14184WI$370.2M
Great American Insurance Company16691OH$355.1M
Ohio Casualty Insurance Company (The)24074NH$340.3M
Ohio Farmers Insurance Company24104OH$334.2M
Arch Insurance (UK) Limited11150MO$327.9M
Markel Insurance Company38970IL$322.0M
Greenwich Insurance Company22322DE$313.1M
Berkshire Hathaway Homestate Insurance Company20044NE$312.9M
NATIONAL LIABILITY \u0026 FIRE INSURANCE COMPANY20052CT$299.8M
Hartford Accident and Indemnity Company22357CT$297.5M
United States Fire Insurance Company21113DE$295.6M
Safeco Insurance Company of America24740NH$292.0M
Hanover Insurance Company (The)22292NH$254.3M
Navigators Insurance Company42307NY$250.0M
Employers Insurance Company of Wausau21458WI$240.0M
Travelers Casualty and Surety Company of America31194CT$237.1M
Liberty Mutual Fire Insurance Company23035WI$227.0M
Allied World Assurance Company (U.S.) Inc.22730NH$221.4M
Executive Risk Indemnity, Inc.35181DE$213.9M
Insurance Company of the West27847CA$212.9M
Partner Reinsurance Company of the U.S.38636NY$209.0M
Continental Insurance Company, (The)35289PA$205.9M
EMPLOYERS MUTUAL CASUALTY COMPANY Employers Mutual Casualty Company)21415IA$200.8M
Arch Reinsurance Ltd. (Bermuda)10348DE$194.9M
West Bend Insurance Company15350WI$189.4M
Standard Fire Insurance Company (The)19070CT$183.9M
Utica Mutual Insurance Company25976NY$174.2M
RLI Insurance Company13056IL$174.0M
Westfield Insurance Company24112OH$152.9M

Showing the 60 largest of 216.

Nobody will insure you?

The market of last resort in Alabama

Last resortLinesWhereHow to get in
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
Companies

Insurers domiciled in Alabama

43 property and casualty insurers have their home office in Alabama. Each company page shows where it is admitted or eligible for surplus lines among the states whose lists are loaded.

CompanyNAICHome stateAdmitted inSurplus lines inLines
Agent Alliance Insurance Company10389AL520Personal auto, Commercial auto, Commercial package (BOP, CMP) +2 more
Alfa General Insurance Corporation41661AL20Personal auto, Farm and crop, Fidelity bonds +6 more
Alfa Insurance Corporation22330AL20Personal auto, Farm and crop, Fidelity bonds +7 more
Alfa Mutual General Insurance Company19151AL20Personal auto, Farm and crop, Fidelity bonds +6 more
Alfa Mutual Insurance Company19135AL30General liability, Commercial property (fire and allied lines), Workers' compensation
American Builders Insurance Company Risk Retention Group, Inc.12631AL50Personal auto, General liability, Umbrella and excess
Ascalon Risk Retention Group, Inc.17381AL60Personal auto, Commercial auto, General liability
AXA XL Insurance Company (UK) Limited—AL01—
Bold Risk Retention Group, Inc.17677AL50General liability, Medical malpractice, Professional liability (E&O)
Brooklyn Specialty Insurance Company Risk Retention Group, Inc.16396AL40Personal auto, Commercial auto, General liability
Centennial Casualty Company34568AL413Personal auto, Commercial auto, Credit +1 more
Evolum Risk Retention Group, Inc.17646AL40Personal auto, Commercial auto, General liability +1 more
FD Insurance Company12441AL20General liability, Medical malpractice, Workers' compensation
Future Care Risk Retention Group, Inc.16661AL60General liability, Medical malpractice, Professional liability (E&O)
Gladius Insurance Risk Retention Group, Inc.17152AL50—
Healthcare Professional Long Term Care Risk Retention Group, Inc.16957AL80General liability, Medical malpractice, Professional liability (E&O)
HealthStar Risk Retention Group, LLC17756AL50General liability, Medical malpractice, Professional liability (E&O)
Holman Transportation Risk Retention Group, Inc.16488AL70Personal auto, Commercial auto, General liability +1 more
Inspirien Insurance Company11668AL30General liability, Workers' compensation
LOXDON INSURANCE COMPANY, INC., a RISK RETENTION GROUP16921AL20—
Motor Transport Mutual Risk Retention Group, Inc.16700AL80Personal auto, Commercial auto, Inland marine +2 more
Mutual Savings Fire Insurance Company31178AL10Ocean marine, Commercial property (fire and allied lines)
National Security Fire and Casualty Company12114AL92Personal auto, Equipment breakdown, Commercial package (BOP, CMP) +10 more
New York Healthcare Insurance Company, Inc., A Risk Retention Group12275AL10—
Notting Hill Risk Retention Group, LLC17052AL50General liability, Medical malpractice, Professional liability (E&O)
Pegaso Risk Retention Group Inc17417AL30Personal auto, Commercial auto, General liability
Pelagos Insurance Capital Bermuda Limited Fka Fidelis Insurance Bermuda LTD—AL01—
Pelagos Insurance Capital Underwriting Limited Fka Fidelis Underwriting LTD—AL01—
Physicians Casualty Risk Retention Group, Inc.13995AL10—
Polaris Insurance Company Risk Retention Group, Inc.17670AL30Personal auto, General liability, Umbrella and excess
Practiceprotection Insurance Company (A Rrg)16189AL50General liability, Medical malpractice, Professional liability (E&O)
Primary Care Insurance, Rrg, Inc.16959AL20General liability, Medical malpractice, Professional liability (E&O)
ProAssurance Indemnity Company, Inc.33391AL340Personal auto, Inland marine, General liability +5 more
Professional Transportation Risk Retention Group, Inc.17328AL80Personal auto, Commercial auto, General liability
Securent Risk Retention Group, Inc.17185AL50—
Seren Hospitality Risk Retention Group, Inc.17660AL60General liability
Spirit Mountain Insurance Company Risk Retention Group, Inc.10754AL70General liability, Medical malpractice, Professional liability (E&O)
Surya Insurance Company, Inc., Risk Retention Group16476AL10—
Technology Transportation Mutual Risk Retention Group, Inc.17046AL60Personal auto, Commercial auto, Inland marine +1 more
Trailblazers Insurance Company, Inc., a Risk Retention Group16994AL20Personal auto, Commercial auto, General liability
Trexis Insurance Corporation12188AL70Personal auto, General liability, Commercial property (fire and allied lines)
Trexis One Insurance Corporation11004AL50Personal auto, General liability, Commercial property (fire and allied lines) +1 more
YRIG Risk Retention Group, Inc.16887AL110General liability

Method and source

Alabama publishes its company list through a lookup that can't be read by a program, so the table above is built from the other states' lists, NAIC numbers, the U.S. Treasury's surety list and market share reports. A company missing here may still be licensed in Alabama; check the regulator's lookup. Lines are the regulator's licensed lines grouped into common names; a license to write a line doesn't mean a company sells it to every kind of customer. "Admitted" means licensed by the state and backed by its guaranty fund; "surplus lines" means eligible to take risks the admitted market declines, without rate or form approval and without guaranty fund protection.

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

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