Who writes credit 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).
31 companies wrote credit in California in 2025, $189.4M in direct premium. Euler Hermes North America Insurance Company led with 22.0%; the top five hold 66%.
By Sam Alishahi, independent insurance broker · All lines in California
The companies
| # | Company | NAIC | Home state | Status here | Premium | Share |
|---|---|---|---|---|---|---|
| 1 | Euler Hermes North America Insurance Company | 20516 | MD | Admitted (licensed) | $41.7M | 22.04% |
| 2 | Great American Assurance Company | 26344 | OH | Admitted (licensed) | $29.1M | 15.38% |
| 3 | Atradius Trade Credit Insurance, Inc. | 25422 | MD | Admitted (licensed) | $19.8M | 10.43% |
| 4 | Ace American Insurance Company | 22667 | PA | Admitted (licensed) | $18.6M | 9.84% |
| 5 | Coface North America Insurance Company | 31887 | MA | Admitted (licensed) | $16.2M | 8.58% |
| 6 | American National General Insurance Company | 39942 | NE | Admitted (licensed) | $10.6M | 5.57% |
| 7 | Old Republic Insurance Company | 24147 | PA | Admitted (licensed) | $9.0M | 4.77% |
| 8 | Insurance Company of the State of Pennsylvania (The) | 19429 | IL | Admitted (licensed) | $7.2M | 3.79% |
| 9 | Securian Casualty Company | 10054 | MN | Admitted (licensed) | $5.4M | 2.87% |
| 10 | Liberty Mutual Insurance Company | 23043 | MA | Admitted (licensed) | $5.3M | 2.82% |
| 11 | Triton Insurance Company | 41211 | TX | Admitted (licensed) | $4.0M | 2.12% |
| 12 | General Security National Insurance Company | 39322 | NY | Admitted (licensed) | $3.1M | 1.65% |
| 13 | Allied World Assurance Company (U.S.) Inc. | 22730 | NH | Admitted (licensed) | $2.8M | 1.50% |
| 14 | Markel Insurance Company | 38970 | IL | Admitted (licensed) | $2.5M | 1.33% |
| 15 | American National Property and Casualty Company | 28401 | NE | Admitted (licensed) | $2.4M | 1.27% |
| 16 | Great American Insurance Company | 16691 | OH | Admitted (licensed) | $2.1M | 1.13% |
| 17 | American Bankers Insurance Company of Florida | 10111 | FL | Admitted (licensed) | $1.7M | 0.92% |
| 18 | First Colonial Insurance Company | 29980 | IL | Admitted (licensed) | $1.7M | 0.91% |
| 19 | Response Indemnity Company of California | 10970 | CA | Admitted (licensed) | $1.7M | 0.89% |
| 20 | U.S. Specialty Insurance Company | 29599 | TX | Admitted (licensed) | $1.7M | 0.88% |
| 21 | Wesco Insurance Company | 25011 | DE | Admitted (licensed) | $859,934 | 0.45% |
| 22 | Atlantic Specialty Insurance Company | 27154 | NY | Admitted (licensed) | $529,710 | 0.28% |
| 23 | Ascot Insurance Company | 23752 | CO | Admitted (licensed) | $385,382 | 0.20% |
| 24 | United States Fire Insurance Company | 21113 | DE | Admitted (licensed) | $334,794 | 0.18% |
| 25 | Old United Casualty Company | 37060 | KS | Admitted (licensed) | $125,173 | 0.07% |
| 26 | STARR INDEMNITY \u0026 LIABILITY COMPANY | 38318 | TX | Admitted (licensed) | $74,082 | 0.04% |
| 27 | Arch Indemnity Insurance Company | 30830 | MO | Admitted (licensed) | $72,948 | 0.04% |
| 28 | Markel American Insurance Company | 28932 | VA | Admitted (licensed) | $64,349 | 0.03% |
| 29 | Freedom Specialty Insurance Company | 22209 | OH | Admitted (licensed) | $59,325 | 0.03% |
| 30 | Virginia Surety Company, Inc. | 40827 | IL | Admitted (licensed) | $674 | 0.00% |
| 31 | StarStone National Insurance Company | 25496 | DE | Admitted (licensed) | $475 | 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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