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Directory · California · Commercial package (BOP, CMP)

Who writes commercial package (BOP, CMP) 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).

207 companies wrote commercial package (BOP, CMP) in California in 2025, $6.46B in direct premium. Farmers Insurance Exchange led with 7.6%; the top five hold 31%.

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

Top 10 · NAIC table: 05 - Total Commercial Multiple Peril

The insurer groups that write the most commercial package (BOP, CMP) in California

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 ratioMember companies here
1Travelers Group$984.0M12.67%44%Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
2Farmers Insurance Group$947.9M12.21%91%Farmers Insurance Exchange, Foremost Insurance Company Grand Rapids, Michigan, Mid-Century Insurance Company, Fire Insurance Exchange Fire Underwriters Association
3Hartford Fire & Casualty Group$622.2M8.01%73%Hartford Fire Insurance Company, Hartford Underwriters Insurance Company, Hartford Casualty Insurance Company, Twin City Fire Insurance Company (The)
4Chubb Ltd Group$492.3M6.34%37%Federal Insurance Company, Ace American Insurance Company, Ace Property and Casualty Insurance Company, Chubb Lloyd's Insurance Company of Texas
5State Farm Group$373.3M4.81%202%State Farm Mutual Automobile Insurance Company, State Farm Fire and Casualty Company, State Farm Lloyds, State Farm General Insurance Company
6Tokio Marine Holdings Inc Group$370.2M4.77%80%Philadelphia Indemnity Insurance Company, Privilege Underwriters Reciprocal Exchange, PURE Risk Mgt, Atty-in-Fact, Safety National Casualty Corporation, Producers Agriculture Insurance Company
7Auto Owners Group$288.1M3.71%46%Auto-Owners Insurance Company, Owners Insurance Company, California Capital Insurance Company, Monterey Insurance Company
8Liberty Mutual Group$238.1M3.07%—Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
9Nationwide Corporation Group$210.5M2.71%56%Nationwide Mutual Insurance Company, Nationwide Insurance Company of America, National Casualty Company, Nationwide General Insurance Company
10Cna Insurance Group$204.1M2.63%65%Continental Casualty Company, Continental Insurance Company, (The), American Casualty Company of Reading, Pennsylvania, National Fire Insurance Company of Hartford
Commercial package (BOP, CMP) · California

The companies

#CompanyNAICHome stateStatus herePremiumShare
1Farmers Insurance Exchange21652CAAdmitted (licensed)$492.4M7.62%
2Hartford Underwriters Insurance Company30104CTAdmitted (licensed)$444.9M6.89%
3State Farm General Insurance Company25151ILAdmitted (licensed)$373.3M5.78%
4Travelers Indemnity Company of Connecticut (The)25682CTAdmitted (licensed)$355.5M5.50%
5Travelers Property Casualty Company of America25674CTAdmitted (licensed)$345.8M5.35%
6Philadelphia Indemnity Insurance Company18058PAAdmitted (licensed)$322.7M5.00%
7Travelers Casualty Insurance Company of America19046CTAdmitted (licensed)$263.4M4.08%
8Truck Insurance Exchange21709CAAdmitted (licensed)$239.3M3.71%
9Federal Insurance Company20281INAdmitted (licensed)$232.1M3.59%
10California Capital Insurance Company13544CAAdmitted (licensed)$207.0M3.20%
11Ace American Insurance Company22667PAAdmitted (licensed)$168.1M2.60%
12Fireman's Fund Insurance Company21873ILAdmitted (licensed)$137.1M2.12%
13Fire Insurance Exchange Fire Underwriters Association21660CAAdmitted (licensed)$125.2M1.94%
14AmGUARD Insurance Company42390NEAdmitted (licensed)$114.2M1.77%
15California General Underwriters Insurance Company, Inc.31046CAAdmitted (licensed)$112.5M1.74%
16Hartford Fire Insurance Company19682CTAdmitted (licensed)$93.5M1.45%
17Mid-Century Insurance Company21687CAAdmitted (licensed)$90.6M1.40%
18Wesco Insurance Company25011DEAdmitted (licensed)$87.5M1.35%
19Ohio Security Insurance Company24082NHAdmitted (licensed)$74.0M1.15%
20West American Insurance Company44393INAdmitted (licensed)$71.2M1.10%
21Continental Casualty Company20443ILAdmitted (licensed)$65.1M1.01%
22Nationwide General Insurance Company23760OHAdmitted (licensed)$59.2M0.92%
23Monterey Insurance Company23540CAAdmitted (licensed)$58.1M0.90%
24Hanover Insurance Company (The)22292NHAdmitted (licensed)$56.1M0.87%
25Zurich American Insurance Company16535NYAdmitted (licensed)$55.2M0.85%
26Massachusetts Bay Insurance Company22306NHAdmitted (licensed)$53.8M0.83%
27Spinnaker Insurance Company24376ILAdmitted (licensed)$53.7M0.83%
28Church Mutual Insurance Company, S. I.18767WIAdmitted (licensed)$50.8M0.79%
29Berkshire Hathaway Direct Insurance Company10391NEAdmitted (licensed)$50.2M0.78%
30Brotherhood Mutual Insurance Company13528INAdmitted (licensed)$49.4M0.76%
31Zenith Insurance Company13269CAAdmitted (licensed)$47.0M0.73%
32Allstate Insurance Company19232ILAdmitted (licensed)$46.8M0.72%
33Integon National Insurance Company29742ILAdmitted (licensed)$45.9M0.71%
34Security National Insurance Company19879DEAdmitted (licensed)$44.3M0.69%
35National Union Fire Insurance Company of Pittsburgh, Pennsylvania19445PAAdmitted (licensed)$43.7M0.68%
36Nationwide Mutual Insurance Company23787OHAdmitted (licensed)$41.6M0.64%
37GuideOne Insurance Company15032IAAdmitted (licensed)$38.0M0.59%
38Great American Assurance Company26344OHAdmitted (licensed)$37.2M0.58%
39DB Insurance Company, Ltd. (US Branch)12502HIAdmitted (licensed)$36.1M0.56%
40Valley Forge Insurance Company20508PAAdmitted (licensed)$34.6M0.54%
41National Fire Insurance Company of Hartford20478ILAdmitted (licensed)$33.6M0.52%
42UNITED FIRE \u0026 CASUALTY COMPANY13021IAAdmitted (licensed)$33.1M0.51%
43Continental Insurance Company, (The)35289PAAdmitted (licensed)$31.8M0.49%
44Oregon Mutual Insurance Company14907ORAdmitted (licensed)$30.4M0.47%
45Great American Insurance Company16691OHAdmitted (licensed)$29.5M0.46%
46American Zurich Insurance Company40142ILAdmitted (licensed)$28.0M0.43%
47Citizens Insurance Company of America31534MIAdmitted (licensed)$27.6M0.43%
48Accelerant National Insurance Company10220ARAdmitted (licensed)$26.9M0.42%
49Ohio Casualty Insurance Company (The)24074NHAdmitted (licensed)$26.7M0.41%
50Allmerica Financial Benefit Insurance Company41840MIAdmitted (licensed)$26.7M0.41%
51Financial Pacific Insurance Company31453CAAdmitted (licensed)$26.1M0.40%
52Seneca Insurance Company Incorporated10936NYAdmitted (licensed)$23.8M0.37%
53Dentists Insurance Company (The)40975CAAdmitted (licensed)$23.0M0.36%
54Mitsui Sumitomo Insurance Company of America20362NYAdmitted (licensed)$21.9M0.34%
55Nationwide Agribusiness Insurance Company28223IAAdmitted (licensed)$21.6M0.33%
56Markel Insurance Company38970ILAdmitted (licensed)$21.2M0.33%
57Granada Indemnity Company38148NYAdmitted (licensed)$20.3M0.31%
58Great American Alliance Insurance Company26832OHAdmitted (licensed)$19.8M0.31%
59Arch Insurance (UK) Limited11150MOAdmitted (licensed)$19.3M0.30%
60Transportation Insurance Company20494ILAdmitted (licensed)$19.2M0.30%
61American Casualty Company of Reading, Pennsylvania20427PAAdmitted (licensed)$19.1M0.30%
62California Mutual Insurance Company27480CAAdmitted (licensed)$19.0M0.29%
63Fidelity and Guaranty Insurance Company35386IAAdmitted (licensed)$18.8M0.29%
64Atlantic Specialty Insurance Company27154NYAdmitted (licensed)$18.0M0.28%
65American Alternative Insurance Corporation19720DEAdmitted (licensed)$17.1M0.26%
66Ace Fire Underwriters Insurance Company20702PAAdmitted (licensed)$16.7M0.26%
67AGCS Marine Insurance Company22837ILAdmitted (licensed)$16.5M0.26%
68Hiscox Insurance Company (Bermuda), Ltd.10200ILAdmitted (licensed)$15.7M0.24%
69Nova Casualty Company42552NYAdmitted (licensed)$15.2M0.24%
70Golden Bear Insurance Company39861CAAdmitted (licensed)$14.7M0.23%
71Stillwater Insurance Company25180CAAdmitted (licensed)$14.7M0.23%
72Intrepid Insurance Company10749IAAdmitted (licensed)$14.5M0.22%
73Federated Mutual Insurance Company13935MNAdmitted (licensed)$14.3M0.22%
74Star Insurance Company18023MIAdmitted (licensed)$13.7M0.21%
75Chubb Indemnity Insurance Company12777NYAdmitted (licensed)$13.4M0.21%
76American Southern Home Insurance Company41998FLAdmitted (licensed)$13.0M0.20%
77Tokio Marine America Insurance Company10945NYAdmitted (licensed)$12.4M0.19%
78Westchester Fire Insurance Company10030PAAdmitted (licensed)$12.0M0.19%
79Ace Property and Casualty Insurance Company20699PAAdmitted (licensed)$11.7M0.18%
80Great Northern Insurance Company20303INAdmitted (licensed)$11.5M0.18%
81New York Marine and General Insurance Company16608NYAdmitted (licensed)$11.2M0.17%
82Zurich American Insurance Company of Illinois27855ILAdmitted (licensed)$10.9M0.17%
83Navigators Insurance Company42307NYAdmitted (licensed)$10.6M0.16%
84Pennsylvania Manufacturers' Association Insurance Company12262PAAdmitted (licensed)$10.5M0.16%
85Hanover American Insurance Company (The)36064NHAdmitted (licensed)$10.5M0.16%
86Business Alliance Insurance Company10830CAAdmitted (licensed)$10.2M0.16%
87Pharmacists Mutual Insurance Company13714IAAdmitted (licensed)$10.0M0.15%
88Safeco Insurance Company of America24740NHAdmitted (licensed)$9.7M0.15%
89American Guarantee and Liability Insurance Company26247NYAdmitted (licensed)$9.6M0.15%
90United States Fire Insurance Company21113DEAdmitted (licensed)$9.3M0.14%
91Manufacturers Alliance Insurance Company36897PAAdmitted (licensed)$8.1M0.13%
92Berkley Regional Insurance Company29580IAAdmitted (licensed)$8.0M0.12%
93Hartford Accident and Indemnity Company22357CTAdmitted (licensed)$8.0M0.12%
94Accredited Surety and Casualty Company, Inc.26379FLAdmitted (licensed)$8.0M0.12%
95American Fire and Casualty Company24066NHAdmitted (licensed)$7.9M0.12%
96Liberty Mutual Insurance Company23043MAAdmitted (licensed)$7.2M0.11%
97Hudson Insurance Company25054DEAdmitted (licensed)$7.1M0.11%
98Berkshire Hathaway Specialty Insurance Company22276NEAdmitted (licensed)$6.7M0.10%
99RLI Insurance Company13056ILAdmitted (licensed)$6.7M0.10%
100Crestbrook Insurance Company18961OHAdmitted (licensed)$6.6M0.10%
101Vigilant Insurance Company20397NYAdmitted (licensed)$6.1M0.09%
102EMPLOYERS MUTUAL CASUALTY COMPANY Employers Mutual Casualty Company)21415IAAdmitted (licensed)$5.9M0.09%
103Housing Enterprise Insurance Company, Inc.11206VTAdmitted (licensed)$5.9M0.09%
104American National Property and Casualty Company28401NEAdmitted (licensed)$5.6M0.09%
105Greenwich Insurance Company22322DEAdmitted (licensed)$5.5M0.08%
106Lio Insurance Company40550AZAdmitted (licensed)$5.3M0.08%
107Everest National Insurance Company10120DEAdmitted (licensed)$5.1M0.08%
108Midvale Indemnity Company27138WIAdmitted (licensed)$5.0M0.08%
109Indemnity Insurance Company of North America43575PAAdmitted (licensed)$4.6M0.07%
110Housing Authority Property Insurance, a Mutual Company10069VTAdmitted (licensed)$4.6M0.07%
111Cumis Insurance Society Incorporated10847IAAdmitted (licensed)$4.3M0.07%
112StarNet Insurance Company40045IAAdmitted (licensed)$4.3M0.07%
113Jewelers Mutual Insurance Company, SI14354WIAdmitted (licensed)$4.1M0.06%
114Sompo America Insurance Company11126NYAdmitted (licensed)$4.0M0.06%
115Granite State Insurance Company23809ILAdmitted (licensed)$4.0M0.06%
116Chubb National Insurance Company10052INAdmitted (licensed)$4.0M0.06%
117Great Divide Insurance Company25224NDAdmitted (licensed)$4.0M0.06%
118Markel American Insurance Company28932VAAdmitted (licensed)$3.7M0.06%
119Fidelity and Deposit Company of Maryland (The)39306ILAdmitted (licensed)$3.6M0.06%
120Sentinel Insurance Company, Limited11000CTAdmitted (licensed)$3.5M0.05%
121Berkley National Insurance Company38911IAAdmitted (licensed)$3.4M0.05%
122Pacific Employers Insurance Company22748PAAdmitted (licensed)$3.3M0.05%
123Mitsui Sumitomo Insurance USA Inc.22551NYAdmitted (licensed)$3.3M0.05%
124Cincinnati Insurance Company (The)10677OHAdmitted (licensed)$2.9M0.05%
125Hartford Insurance Company of the Midwest37478INAdmitted (licensed)$2.9M0.05%
126Insurance Company of the State of Pennsylvania (The)19429ILAdmitted (licensed)$2.3M0.04%
127Hartford Casualty Insurance Company29424INAdmitted (licensed)$2.2M0.03%
128Everspan Insurance Company24961AZAdmitted (licensed)$2.2M0.03%
129GuideOne Specialty Insurance Company14559IAAdmitted (licensed)$2.0M0.03%
130Diamond State Insurance Company42048INAdmitted (licensed)$1.9M0.03%
131HDI Global Insurance Company41343ILAdmitted (licensed)$1.8M0.03%
132Chicago Insurance Company22810ILAdmitted (licensed)$1.7M0.03%
133Great American Insurance Company of New York22136NYAdmitted (licensed)$1.7M0.03%
134Obsidian Pacific Insurance Company26395DEAdmitted (licensed)$1.5M0.02%
135Allied World Specialty Insurance Company16624DEAdmitted (licensed)$1.3M0.02%
136BITCO General Insurance Corporation20095IAAdmitted (licensed)$1.3M0.02%
137American Family Home Insurance Company23450FLAdmitted (licensed)$1.2M0.02%
138Ascot Insurance Company23752COAdmitted (licensed)$1.2M0.02%
139State National Insurance Company, Inc.12831TXAdmitted (licensed)$1.2M0.02%
140Trans Pacific Insurance Company41238NYAdmitted (licensed)$1.0M0.02%
141CM Select Insurance Company16203COAdmitted (licensed)$995,2930.02%
142National Interstate Insurance Company32620OHAdmitted (licensed)$990,4380.02%
143Sentry Insurance Company24988WIAdmitted (licensed)$976,0370.02%
144Nationwide Property and Casualty Insurance Company37877OHAdmitted (licensed)$935,0750.01%
145AXIS Insurance Company37273ILAdmitted (licensed)$870,6710.01%
146Employers Insurance Company of Wausau21458WIAdmitted (licensed)$850,8660.01%
147American Automobile Insurance Company21849MOAdmitted (licensed)$834,5610.01%
148Amerisure Mutual Insurance Company23396MIAdmitted (licensed)$808,7830.01%
149Pacific Indemnity Company20346DEAdmitted (licensed)$793,7760.01%
150Liberty Mutual Fire Insurance Company23035WIAdmitted (licensed)$793,1350.01%
151American Reliable Insurance Company19615AZAdmitted (licensed)$749,9310.01%
152New Hampshire Insurance Company23841ILAdmitted (licensed)$741,8720.01%
153Nationwide Insurance Company of America25453OHAdmitted (licensed)$703,2260.01%
154Admiral Indemnity Company44318DEAdmitted (licensed)$652,5070.01%
155Alaska National Insurance Company38733AKAdmitted (licensed)$622,8160.01%
156North River Insurance Company (The)21105NJAdmitted (licensed)$583,3720.01%
157Twin City Fire Insurance Company (The)29459INAdmitted (licensed)$562,3410.01%
158Technology Insurance Company, Inc.42376DEAdmitted (licensed)$547,8050.01%
159American Home Assurance Company19380NYAdmitted (licensed)$543,8430.01%
160Vanliner Insurance Company21172OHAdmitted (licensed)$394,6330.01%
161Aspen American Insurance Company43460TXAdmitted (licensed)$353,8580.01%
162Garrison Property and Casualty Insurance Company21253TXAdmitted (licensed)$331,3150.01%
163Vantage Risk Assurance Company32077DEAdmitted (licensed)$327,6930.01%
164GeoVera Specialty Insurance Company DBA: USF&G Specialty Insurance Company10182DEAdmitted (licensed)$261,0790.00%
165SAMSUNG FIRE \u0026 MARINE INSURANCE CO., LTD. (U.S. BRANCH)38300NYAdmitted (licensed)$240,3060.00%
166Cincinnati Indemnity Company (The)23280OHAdmitted (licensed)$237,3000.00%
167Swiss Re Corporate Solutions Elite Insurance Corporation29700MOAdmitted (licensed)$236,2910.00%
168Scottsdale Indemnity Company15580OHAdmitted (licensed)$187,8340.00%
169Pennsylvania Manufacturers Indemnity Company41424PAAdmitted (licensed)$184,6170.00%
170National Specialty Insurance Company22608TXAdmitted (licensed)$180,8260.00%
171Glencar Insurance Company12254WIAdmitted (licensed)$180,7540.00%
172Travelers Casualty and Surety Company19038CTAdmitted (licensed)$176,3710.00%
173GeoVera Insurance Company10799CAAdmitted (licensed)$171,9760.00%
174Allied Insurance Company of America10127OHAdmitted (licensed)$147,5990.00%
175AMCO Insurance Company19100IAAdmitted (licensed)$142,9790.00%
176Great American Spirit Insurance Company33723OHAdmitted (licensed)$117,6650.00%
177Property and Casualty Insurance Company of Hartford34690INAdmitted (licensed)$113,9200.00%
178Standard Fire Insurance Company (The)19070CTAdmitted (licensed)$92,1480.00%
179Benchmark Insurance Company41394KSAdmitted (licensed)$84,9290.00%
180Trumbull Insurance Company27120CTAdmitted (licensed)$79,1040.00%
181U.S. Specialty Insurance Company29599TXAdmitted (licensed)$72,7790.00%
182TransGuard Insurance Company of America, Inc.28886ILAdmitted (licensed)$47,1500.00%
183BITCO National Insurance Company20109IAAdmitted (licensed)$45,3250.00%
184Riverport Insurance Company36684IAAdmitted (licensed)$43,3380.00%
185St. Paul Mercury Insurance Company24791CTAdmitted (licensed)$39,6210.00%
186Depositors Insurance Company42587IAAdmitted (licensed)$32,4590.00%
187Eagle West Insurance Company12890CAAdmitted (licensed)$26,5010.00%
188St. Paul Fire and Marine Insurance Company24767CTAdmitted (licensed)$20,2240.00%
189General Insurance Company of America24732NHAdmitted (licensed)$17,8200.00%
190National Surety Corporation21881ILAdmitted (licensed)$17,7800.00%
191XL Insurance America, Inc.24554DEAdmitted (licensed)$17,7780.00%
192Cincinnati Casualty Company (The)28665OHAdmitted (licensed)$16,7290.00%
193Vantapro Specialty Insurance Company44768ARAdmitted (licensed)$9,1910.00%
194St. Paul Guardian Insurance Company24775CTAdmitted (licensed)$8,3830.00%
195StarStone National Insurance Company25496DEAdmitted (licensed)$7,2890.00%
196Utica Mutual Insurance Company25976NYAdmitted (licensed)$6,9600.00%
197Nationwide Mutual Insurance Company10723OHAdmitted (licensed)$6,3580.00%
198Mercury Casualty Company11908CAAdmitted (licensed)$5,2250.00%
199Penn-America Insurance Company32859PAAdmitted (licensed)$3,4590.00%
200Contractors Bonding and Insurance Company37206ILAdmitted (licensed)$3,2710.00%
201Pennsylvania Insurance Company21962NMAdmitted (licensed)$3,0120.00%
202OCCIDENTAL FIRE \u0026 CASUALTY COMPANY OF NORTH CAROLINA23248NCAdmitted (licensed)$2,8250.00%
203Federated Service Insurance Company28304MNAdmitted (licensed)$2,3840.00%
204Regent Insurance Company24449WIAdmitted (licensed)$4200.00%
205National Casualty Company11991OHAdmitted (licensed)$3320.00%
206American Modern Home Insurance Company23469OHAdmitted (licensed)$1110.00%
207STARR INDEMNITY \u0026 LIABILITY COMPANY38318TXAdmitted (licensed)$140.00%
Turned down?

Last resort for commercial package (BOP, CMP) in California

Last resortLinesWhereHow to get in
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

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.

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

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