Directory · California · Equipment breakdown
Who writes equipment breakdown in California
Ranked by direct premium written in 2025 from the California Department of Insurance market share report (every company, not a top-N list).
122 companies wrote equipment breakdown in California in 2025, $205.6M in direct premium. Factory Mutual Insurance Company led with 18.1%; the top five hold 50%.
By Sam Alishahi, independent insurance broker · All lines in California
Equipment breakdown · California
The companies
| # | Company | NAIC | Home state | Status here | Premium | Share |
|---|---|---|---|---|---|---|
| 1 | Factory Mutual Insurance Company | 21482 | RI | Admitted (licensed) | $37.1M | 18.06% |
| 2 | Travelers Property Casualty Company of America | 25674 | CT | Admitted (licensed) | $20.8M | 10.12% |
| 3 | Federal Insurance Company | 20281 | IN | Admitted (licensed) | $19.3M | 9.40% |
| 4 | Zurich American Insurance Company | 16535 | NY | Admitted (licensed) | $16.5M | 8.05% |
| 5 | California Capital Insurance Company | 13544 | CA | Admitted (licensed) | $9.6M | 4.65% |
| 6 | Affiliated F M Insurance Company | 10014 | RI | Admitted (licensed) | $9.0M | 4.37% |
| 7 | Hartford Steam Boiler Inspection and Insurance Company (The) | 11452 | CT | Admitted (licensed) | $7.6M | 3.72% |
| 8 | Swiss Re Corporate Solutions Elite Insurance Corporation | 29700 | MO | Admitted (licensed) | $6.6M | 3.20% |
| 9 | XL Insurance America, Inc. | 24554 | DE | Admitted (licensed) | $6.0M | 2.92% |
| 10 | Continental Casualty Company | 20443 | IL | Admitted (licensed) | $5.4M | 2.61% |
| 11 | Liberty Mutual Fire Insurance Company | 23035 | WI | Admitted (licensed) | $3.7M | 1.81% |
| 12 | Travelers Indemnity Company of Connecticut (The) | 25682 | CT | Admitted (licensed) | $3.6M | 1.73% |
| 13 | California General Underwriters Insurance Company, Inc. | 31046 | CA | Admitted (licensed) | $3.4M | 1.67% |
| 14 | National Union Fire Insurance Company of Pittsburgh, Pennsylvania | 19445 | PA | Admitted (licensed) | $3.4M | 1.67% |
| 15 | Nationwide Mutual Insurance Company | 23787 | OH | Admitted (licensed) | $2.9M | 1.41% |
| 16 | Employers Insurance Company of Wausau | 21458 | WI | Admitted (licensed) | $2.9M | 1.40% |
| 17 | Monterey Insurance Company | 23540 | CA | Admitted (licensed) | $2.5M | 1.23% |
| 18 | Hartford Fire Insurance Company | 19682 | CT | Admitted (licensed) | $2.5M | 1.19% |
| 19 | Pacific Indemnity Company | 20346 | DE | Admitted (licensed) | $2.3M | 1.10% |
| 20 | American Home Assurance Company | 19380 | NY | Admitted (licensed) | $2.2M | 1.09% |
| 21 | Accelerant National Insurance Company | 10220 | AR | Admitted (licensed) | $1.9M | 0.92% |
| 22 | Federated Mutual Insurance Company | 13935 | MN | Admitted (licensed) | $1.8M | 0.88% |
| 23 | Ace Fire Underwriters Insurance Company | 20702 | PA | Admitted (licensed) | $1.7M | 0.83% |
| 24 | Oregon Mutual Insurance Company | 14907 | OR | Admitted (licensed) | $1.7M | 0.81% |
| 25 | Sutton National Insurance Company | 25798 | OK | Admitted (licensed) | $1.6M | 0.80% |
| 26 | Tokio Marine America Insurance Company | 10945 | NY | Admitted (licensed) | $1.6M | 0.78% |
| 27 | Brotherhood Mutual Insurance Company | 13528 | IN | Admitted (licensed) | $1.5M | 0.72% |
| 28 | Nationwide Agribusiness Insurance Company | 28223 | IA | Admitted (licensed) | $1.5M | 0.71% |
| 29 | Great American Alliance Insurance Company | 26832 | OH | Admitted (licensed) | $1.4M | 0.67% |
| 30 | Berkshire Hathaway Direct Insurance Company | 10391 | NE | Admitted (licensed) | $1.3M | 0.61% |
| 31 | Pennsylvania Lumbermen's Mutual Insurance Company | 14974 | PA | Admitted (licensed) | $1.2M | 0.57% |
| 32 | Nationwide General Insurance Company | 23760 | OH | Admitted (licensed) | $1.2M | 0.56% |
| 33 | Great American Insurance Company | 16691 | OH | Admitted (licensed) | $998,029 | 0.49% |
| 34 | Chubb Indemnity Insurance Company | 12777 | NY | Admitted (licensed) | $997,834 | 0.49% |
| 35 | Verlan Fire Insurance Company | 10815 | NH | Admitted (licensed) | $953,884 | 0.46% |
| 36 | Ace Property and Casualty Insurance Company | 20699 | PA | Admitted (licensed) | $927,238 | 0.45% |
| 37 | Hanover Insurance Company (The) | 22292 | NH | Admitted (licensed) | $922,724 | 0.45% |
| 38 | Great American Assurance Company | 26344 | OH | Admitted (licensed) | $855,582 | 0.42% |
| 39 | Great Northern Insurance Company | 20303 | IN | Admitted (licensed) | $836,821 | 0.41% |
| 40 | Pacific Employers Insurance Company | 22748 | PA | Admitted (licensed) | $818,742 | 0.40% |
| 41 | Berkley National Insurance Company | 38911 | IA | Admitted (licensed) | $677,975 | 0.33% |
| 42 | Allianz Global Risks US Insurance Company | 35300 | IL | Admitted (licensed) | $672,046 | 0.33% |
| 43 | Westchester Fire Insurance Company | 10030 | PA | Admitted (licensed) | $656,156 | 0.32% |
| 44 | California Mutual Insurance Company | 27480 | CA | Admitted (licensed) | $647,752 | 0.32% |
| 45 | Atlantic Specialty Insurance Company | 27154 | NY | Admitted (licensed) | $641,314 | 0.31% |
| 46 | Fireman's Fund Insurance Company | 21873 | IL | Admitted (licensed) | $634,142 | 0.31% |
| 47 | EMPLOYERS MUTUAL CASUALTY COMPANY Employers Mutual Casualty Company) | 21415 | IA | Admitted (licensed) | $633,079 | 0.31% |
| 48 | National Fire Insurance Company of Hartford | 20478 | IL | Admitted (licensed) | $594,620 | 0.29% |
| 49 | SOMPO AMERICA FIRE \u0026 MARINE INSURANCE COMPANY | 38997 | NY | Admitted (licensed) | $503,788 | 0.25% |
| 50 | Bankers Standard Insurance Company | 18279 | PA | Admitted (licensed) | $478,370 | 0.23% |
| 51 | Mitsui Sumitomo Insurance Company of America | 20362 | NY | Admitted (licensed) | $464,392 | 0.23% |
| 52 | StarNet Insurance Company | 40045 | IA | Admitted (licensed) | $438,309 | 0.21% |
| 53 | Accredited Surety and Casualty Company, Inc. | 26379 | FL | Admitted (licensed) | $387,281 | 0.19% |
| 54 | Vigilant Insurance Company | 20397 | NY | Admitted (licensed) | $382,672 | 0.19% |
| 55 | HDI Global Insurance Company | 41343 | IL | Admitted (licensed) | $371,458 | 0.18% |
| 56 | Valley Forge Insurance Company | 20508 | PA | Admitted (licensed) | $368,338 | 0.18% |
| 57 | Pharmacists Mutual Insurance Company | 13714 | IA | Admitted (licensed) | $366,361 | 0.18% |
| 58 | Intrepid Insurance Company | 10749 | IA | Admitted (licensed) | $347,740 | 0.17% |
| 59 | Berkley Regional Insurance Company | 29580 | IA | Admitted (licensed) | $282,241 | 0.14% |
| 60 | Chubb National Insurance Company | 10052 | IN | Admitted (licensed) | $256,764 | 0.12% |
| 61 | National Casualty Company | 11991 | OH | Admitted (licensed) | $243,769 | 0.12% |
| 62 | Fidelity and Deposit Company of Maryland (The) | 39306 | IL | Admitted (licensed) | $200,342 | 0.10% |
| 63 | Greenwich Insurance Company | 22322 | DE | Admitted (licensed) | $200,147 | 0.10% |
| 64 | Ace American Insurance Company | 22667 | PA | Admitted (licensed) | $194,189 | 0.09% |
| 65 | Ohio Security Insurance Company | 24082 | NH | Admitted (licensed) | $159,289 | 0.08% |
| 66 | West American Insurance Company | 44393 | IN | Admitted (licensed) | $152,515 | 0.07% |
| 67 | Massachusetts Bay Insurance Company | 22306 | NH | Admitted (licensed) | $129,102 | 0.06% |
| 68 | Argonaut Insurance Company | 19801 | NE | Admitted (licensed) | $127,131 | 0.06% |
| 69 | Crestbrook Insurance Company | 18961 | OH | Admitted (licensed) | $122,621 | 0.06% |
| 70 | Granite State Insurance Company | 23809 | IL | Admitted (licensed) | $121,508 | 0.06% |
| 71 | First Liberty Insurance Corporation (The) | 33588 | IL | Admitted (licensed) | $114,165 | 0.06% |
| 72 | New Hampshire Insurance Company | 23841 | IL | Admitted (licensed) | $105,248 | 0.05% |
| 73 | Cincinnati Insurance Company (The) | 10677 | OH | Admitted (licensed) | $94,866 | 0.05% |
| 74 | Federated Service Insurance Company | 28304 | MN | Admitted (licensed) | $88,235 | 0.04% |
| 75 | Continental Insurance Company, (The) | 35289 | PA | Admitted (licensed) | $83,430 | 0.04% |
| 76 | Arch Insurance (UK) Limited | 11150 | MO | Admitted (licensed) | $78,404 | 0.04% |
| 77 | L M Insurance Corporation | 33600 | IL | Admitted (licensed) | $67,887 | 0.03% |
| 78 | Liberty Mutual Insurance Company | 42404 | IL | Admitted (licensed) | $66,543 | 0.03% |
| 79 | Great American Insurance Company of New York | 22136 | NY | Admitted (licensed) | $54,174 | 0.03% |
| 80 | Swiss Re Corporate Solutions America Insurance Corporation | 29874 | MO | Admitted (licensed) | $49,333 | 0.02% |
| 81 | National Interstate Insurance Company | 32620 | OH | Admitted (licensed) | $42,649 | 0.02% |
| 82 | Scottsdale Indemnity Company | 15580 | OH | Admitted (licensed) | $41,148 | 0.02% |
| 83 | Ohio Casualty Insurance Company (The) | 24074 | NH | Admitted (licensed) | $39,875 | 0.02% |
| 84 | AXIS Insurance Company | 37273 | IL | Admitted (licensed) | $33,988 | 0.02% |
| 85 | Nationwide Insurance Company of America | 25453 | OH | Admitted (licensed) | $27,197 | 0.01% |
| 86 | Hanover American Insurance Company (The) | 36064 | NH | Admitted (licensed) | $21,561 | 0.01% |
| 87 | Citizens Insurance Company of America | 31534 | MI | Admitted (licensed) | $21,082 | 0.01% |
| 88 | Aspen American Insurance Company | 43460 | TX | Admitted (licensed) | $18,743 | 0.01% |
| 89 | Indemnity Insurance Company of North America | 43575 | PA | Admitted (licensed) | $18,518 | 0.01% |
| 90 | Sompo America Insurance Company | 11126 | NY | Admitted (licensed) | $17,850 | 0.01% |
| 91 | Nationwide Property and Casualty Insurance Company | 37877 | OH | Admitted (licensed) | $17,575 | 0.01% |
| 92 | UNITED FIRE \u0026 CASUALTY COMPANY | 13021 | IA | Admitted (licensed) | $16,798 | 0.01% |
| 93 | SAMSUNG FIRE \u0026 MARINE INSURANCE CO., LTD. (U.S. BRANCH) | 38300 | NY | Admitted (licensed) | $14,940 | 0.01% |
| 94 | Financial Pacific Insurance Company | 31453 | CA | Admitted (licensed) | $13,391 | 0.01% |
| 95 | Eagle West Insurance Company | 12890 | CA | Admitted (licensed) | $13,356 | 0.01% |
| 96 | Admiral Indemnity Company | 44318 | DE | Admitted (licensed) | $7,293 | 0.00% |
| 97 | Liberty Mutual Insurance Company | 23043 | MA | Admitted (licensed) | $6,764 | 0.00% |
| 98 | Vantage Risk Assurance Company | 32077 | DE | Admitted (licensed) | $6,695 | 0.00% |
| 99 | Alaska National Insurance Company | 38733 | AK | Admitted (licensed) | $6,377 | 0.00% |
| 100 | American Fire and Casualty Company | 24066 | NH | Admitted (licensed) | $5,895 | 0.00% |
| 101 | XL Specialty Insurance Company | 37885 | DE | Admitted (licensed) | $4,764 | 0.00% |
| 102 | American Southern Home Insurance Company | 41998 | FL | Admitted (licensed) | $4,679 | 0.00% |
| 103 | Great Divide Insurance Company | 25224 | ND | Admitted (licensed) | $4,575 | 0.00% |
| 104 | QBE Insurance (Europe) Limited | 39217 | PA | Admitted (licensed) | $3,732 | 0.00% |
| 105 | Mitsui Sumitomo Insurance USA Inc. | 22551 | NY | Admitted (licensed) | $3,564 | 0.00% |
| 106 | Berkshire Hathaway Specialty Insurance Company | 22276 | NE | Admitted (licensed) | $3,082 | 0.00% |
| 107 | Great American Spirit Insurance Company | 33723 | OH | Admitted (licensed) | $2,249 | 0.00% |
| 108 | Incline Casualty Company | 11090 | TX | Admitted (licensed) | $2,128 | 0.00% |
| 109 | Vanliner Insurance Company | 21172 | OH | Admitted (licensed) | $1,883 | 0.00% |
| 110 | Property and Casualty Insurance Company of Hartford | 34690 | IN | Admitted (licensed) | $1,349 | 0.00% |
| 111 | Riverport Insurance Company | 36684 | IA | Admitted (licensed) | $1,120 | 0.00% |
| 112 | Falls Lake Fire and Casualty Company | 15884 | CA | Admitted (licensed) | $1,033 | 0.00% |
| 113 | Transportation Insurance Company | 20494 | IL | Admitted (licensed) | $1,004 | 0.00% |
| 114 | Cincinnati Casualty Company (The) | 28665 | OH | Admitted (licensed) | $744 | 0.00% |
| 115 | American Alternative Insurance Corporation | 19720 | DE | Admitted (licensed) | $671 | 0.00% |
| 116 | Cincinnati Indemnity Company (The) | 23280 | OH | Admitted (licensed) | $375 | 0.00% |
| 117 | North Pointe Insurance Company | 27740 | PA | Admitted (licensed) | $310 | 0.00% |
| 118 | Trumbull Insurance Company | 27120 | CT | Admitted (licensed) | $201 | 0.00% |
| 119 | Glencar Insurance Company | 12254 | WI | Admitted (licensed) | $174 | 0.00% |
| 120 | American Guarantee and Liability Insurance Company | 26247 | NY | Admitted (licensed) | $169 | 0.00% |
| 121 | Sentinel Insurance Company, Limited | 11000 | CT | Admitted (licensed) | $115 | 0.00% |
| 122 | Westport Insurance Corporation | 39845 | MO | Admitted (licensed) | $85 | 0.00% |
Method and source
Source: the California Department of Insurance company list, read 2026-10-17 and the surplus lines list. California's company search lists every company on file (all lines, including some no longer active); P&C status comes from the merge. "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.
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