Directory · Alabama · Earthquake

Who writes earthquake in Alabama

Top insurer groups from the NAIC market share report; the state's own licensed-company list isn't available in a form a program can read.

Ms & Ad Insurance Group wrote the most earthquake in Alabama in 2025, $1.4M and 11.4% of the state's premium; the top five groups hold 46%. Alabama doesn't publish a machine-readable list of every licensed company, so the ranking below is the NAIC's top 10 groups.

By Sam Alishahi, independent insurance broker · All lines in Alabama

Top 10 · NAIC table: 12 - Earthquake

The insurer groups that write the most earthquake 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.

#	Insurer group	Premium written	Share	Loss ratio	Member companies here
1	Ms & Ad Insurance Group	$1.4M	11.39%	2%	Mitsui Sumitomo Insurance Company of America, MS Transverse Insurance Company, MS Transverse Specialty Insurance Company, Mitsui Sumitomo Insurance USA Inc.
2	State Farm Group	$1.4M	11.37%	0%	State Farm Mutual Automobile Insurance Company, State Farm Fire and Casualty Company, State Farm Lloyds, State Farm General Insurance Company
3	American International Group	$1.3M	10.57%	—	National Union Fire Insurance Company of Pittsburgh, Pennsylvania, AIG Property Casualty Company, Lexington Insurance Company, AIU Insurance Company
4	Allianz Insurance Group	$840,000	6.61%	—	Allianz Global Risks US Insurance Company, Jefferson Insurance Company, Fireman's Fund Insurance Company, AGCS Marine Insurance Company
5	United Serv Automobile Assn Group	$707,000	5.56%	—	United Services Automobile Association, USAA Reciprocal, Attorney-in-fact, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company
6	Liberty Mutual Group	$649,000	5.10%	0%	Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
7	Travelers Group	$581,000	4.57%	0%	Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
8	Sompo Group	$571,000	4.49%	—	American Agri-Business Insurance Company, Endurance Assurance Corporation, Endurance American Insurance Company, Sompo America Insurance Company
9	Berkshire Hathaway Group	$458,000	3.60%	—	GEICO General Insurance Company, GEICO Texas County Mutual Insurance Company, GEICO County Mutual Insurance Company, Government Employees Insurance Company
10	Markel Group	$443,000	3.48%	—	State National Insurance Company, Inc., Markel Insurance Company, Markel American Insurance Company, Essentia Insurance Company

Turned down?

Last resort for earthquake in Alabama

Last resort	Lines	Where	How to get in
Surplus lines and Lloyd's open market	all	all states, under each state's diligent-search rules	Through surplus lines wholesalers; commercial property and liability have no guaranteed plan, so this is their last step	Source

Method and source

Top insurer groups from the NAIC market share report; the state's own licensed-company list isn't available in a form a program can read. "Premium" is direct premium written in the state for the year shown; "share" is that company's part of the state total for the line. A company can be licensed for a line and write none of it, and a surplus lines insurer can write a line without a state license for it.

Open to use. Cite "Alishahi Insurance insurance company directory" and link here. CSV · JSON.

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