Modern two-story house with a pool
Directory · California · Ocean marine

Who writes ocean marine 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).

75 companies wrote ocean marine in California in 2025, $506.4M in direct premium. National Union Fire Insurance Company of Pittsburgh, Pennsylvania led with 14.4%; the top five hold 42%.

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

Top 10 · NAIC table: 08 - Ocean Marine

The insurer groups that write the most ocean marine 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
1American International Group$87.3M16.48%43%National Union Fire Insurance Company of Pittsburgh, Pennsylvania, AIG Property Casualty Company, Lexington Insurance Company, AIU Insurance Company
2Starr Group$43.5M8.23%97%STARR INDEMNITY \u0026 LIABILITY COMPANY, Starr Surplus Lines Insurance Company, Starr Specialty Insurance Company
3Travelers Group$39.9M7.54%30%Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
4Hartford Fire & Casualty Group$39.8M7.52%41%Hartford Fire Insurance Company, Hartford Underwriters Insurance Company, Hartford Casualty Insurance Company, Twin City Fire Insurance Company (The)
5Tokio Marine Holdings Inc Group$26.9M5.09%15%Philadelphia Indemnity Insurance Company, Privilege Underwriters Reciprocal Exchange, PURE Risk Mgt, Atty-in-Fact, Safety National Casualty Corporation, Producers Agriculture Insurance Company
6Zurich Insurance Group$22.9M4.34%32%Zurich American Insurance Company, Rural Community Insurance Company, American Zurich Insurance Company, American Guarantee and Liability Insurance Company
7Assurant Inc Group$22.7M4.29%10%Virginia Surety Company, Inc., American Bankers Insurance Company of Florida, American Security Insurance Company, Standard Guaranty Insurance Company
8Chubb Ltd Group$19.5M3.69%54%Federal Insurance Company, Ace American Insurance Company, Ace Property and Casualty Insurance Company, Chubb Lloyd's Insurance Company of Texas
9Cna Insurance Group$19.4M3.67%52%Continental Casualty Company, Continental Insurance Company, (The), American Casualty Company of Reading, Pennsylvania, National Fire Insurance Company of Hartford
10Intact Financial Group$18.0M3.41%27%Atlantic Specialty Insurance Company, Homeland Insurance Company of New York, OBI National Insurance Company, Homeland Insurance Company of Delaware
Ocean marine · California

The companies

#CompanyNAICHome stateStatus herePremiumShare
1National Union Fire Insurance Company of Pittsburgh, Pennsylvania19445PAAdmitted (licensed)$72.9M14.39%
2STARR INDEMNITY \u0026 LIABILITY COMPANY38318TXAdmitted (licensed)$43.5M8.60%
3Navigators Insurance Company42307NYAdmitted (licensed)$39.8M7.86%
4Travelers Property Casualty Company of America25674CTAdmitted (licensed)$31.4M6.20%
5Zurich American Insurance Company16535NYAdmitted (licensed)$22.9M4.53%
6American Bankers Insurance Company of Florida10111FLAdmitted (licensed)$22.7M4.49%
7Continental Insurance Company, (The)35289PAAdmitted (licensed)$19.4M3.83%
8Atlantic Specialty Insurance Company27154NYAdmitted (licensed)$18.0M3.56%
9Great American Insurance Company16691OHAdmitted (licensed)$17.4M3.43%
10Tokio Marine America Insurance Company10945NYAdmitted (licensed)$16.4M3.23%
11Markel American Insurance Company28932VAAdmitted (licensed)$14.6M2.88%
12Ace American Insurance Company22667PAAdmitted (licensed)$14.4M2.83%
13Liberty Mutual Insurance Company23043MAAdmitted (licensed)$9.8M1.94%
14AIG Property Casualty Company19402ILAdmitted (licensed)$9.4M1.86%
15Standard Fire Insurance Company (The)19070CTAdmitted (licensed)$8.5M1.68%
16Ascot Insurance Company23752COAdmitted (licensed)$8.5M1.67%
17AGCS Marine Insurance Company22837ILAdmitted (licensed)$8.4M1.67%
18Endurance Risk Solutions Assurance Company43630DEAdmitted (licensed)$7.6M1.50%
19Beazley Insurance Company, Inc.37540CTAdmitted (licensed)$7.5M1.48%
20Hanover Insurance Company (The)22292NHAdmitted (licensed)$6.9M1.36%
21National Casualty Company11991OHAdmitted (licensed)$6.4M1.26%
22AXIS Insurance Company37273ILAdmitted (licensed)$5.8M1.15%
23XL Specialty Insurance Company37885DEAdmitted (licensed)$5.7M1.12%
24Mitsui Sumitomo Insurance USA Inc.22551NYAdmitted (licensed)$5.2M1.02%
25QBE Insurance (Europe) Limited39217PAAdmitted (licensed)$5.1M1.01%
26Stratford Insurance Company40436NHAdmitted (licensed)$5.0M0.99%
27Foremost Insurance Company Grand Rapids, Michigan11185MIAdmitted (licensed)$5.0M0.98%
28RLI Insurance Company13056ILAdmitted (licensed)$4.8M0.94%
29SAMSUNG FIRE \u0026 MARINE INSURANCE CO., LTD. (U.S. BRANCH)38300NYAdmitted (licensed)$4.6M0.91%
30Swiss Re Corporate Solutions America Insurance Corporation29874MOAdmitted (licensed)$4.3M0.86%
31Accelerant National Insurance Company10220ARAdmitted (licensed)$4.3M0.84%
32HDI Global Insurance Company41343ILAdmitted (licensed)$4.0M0.79%
33New York Marine and General Insurance Company16608NYAdmitted (licensed)$3.9M0.77%
34StarStone National Insurance Company25496DEAdmitted (licensed)$3.5M0.69%
35Federal Insurance Company20281INAdmitted (licensed)$3.2M0.64%
36StarNet Insurance Company40045IAAdmitted (licensed)$3.1M0.61%
37Imperium Insurance Company35408TXAdmitted (licensed)$2.7M0.52%
38HYUNDAI MARINE \u0026 FIRE INSURANCE CO., LTD. (U.S. BRANCH)10048CAAdmitted (licensed)$2.6M0.52%
39Mitsui Sumitomo Insurance Company of America20362NYAdmitted (licensed)$2.6M0.51%
40U.S. Specialty Insurance Company29599TXAdmitted (licensed)$2.4M0.48%
41Aspen American Insurance Company43460TXAdmitted (licensed)$2.4M0.48%
42Atain Insurance Company29033TXAdmitted (licensed)$2.1M0.41%
43State National Insurance Company, Inc.12831TXAdmitted (licensed)$2.0M0.40%
44Sutton National Insurance Company25798OKAdmitted (licensed)$1.9M0.38%
45UNITED FIRE \u0026 CASUALTY COMPANY13021IAAdmitted (licensed)$1.8M0.36%
46Argonaut Insurance Company19801NEAdmitted (licensed)$1.8M0.36%
47Indemnity Insurance Company of North America43575PAAdmitted (licensed)$1.7M0.33%
48Affiliated F M Insurance Company10014RIAdmitted (licensed)$1.4M0.27%
49Berkshire Hathaway Specialty Insurance Company22276NEAdmitted (licensed)$1.2M0.24%
50American Modern Property and Casualty Insurance Company42722OHAdmitted (licensed)$1.1M0.22%
51Point Specialty Insurance Company25747WIAdmitted (licensed)$826,2770.16%
52National Specialty Insurance Company22608TXAdmitted (licensed)$683,2850.13%
53Red Shield Insurance Company41580WAAdmitted (licensed)$636,3220.13%
54Accredited Surety and Casualty Company, Inc.26379FLAdmitted (licensed)$579,0260.11%
55Allied World Assurance Company (U.S.), Inc.19489DEAdmitted (licensed)$425,2330.08%
56Privilege Underwriters Reciprocal Exchange, PURE Risk Mgt, Atty-in-Fact12873FLAdmitted (licensed)$326,0780.06%
57New Hampshire Insurance Company23841ILAdmitted (licensed)$283,6370.06%
58Insurance Company of North America22713PAAdmitted (licensed)$263,2950.05%
59Markel Insurance Company38970ILAdmitted (licensed)$218,0730.04%
60United Services Automobile Association, USAA Reciprocal, Attorney-in-fact25941TXAdmitted (licensed)$152,8270.03%
61Amica Mutual Insurance Company, The19976RIAdmitted (licensed)$121,0880.02%
62USAA Casualty Insurance Company25968TXAdmitted (licensed)$113,3140.02%
63Pinnacle National Insurance Company21296TXAdmitted (licensed)$58,0340.01%
64Liberty Mutual Fire Insurance Company23035WIAdmitted (licensed)$57,9640.01%
65Hudson Insurance Company25054DEAdmitted (licensed)$35,8980.01%
66Continental Casualty Company20443ILAdmitted (licensed)$33,4000.01%
67GEICO Marine Insurance Company37923NEAdmitted (licensed)$15,8490.00%
68Chubb Indemnity Insurance Company12777NYAdmitted (licensed)$9,2020.00%
69Star Insurance Company18023MIAdmitted (licensed)$2,7800.00%
70Alaska National Insurance Company38733AKAdmitted (licensed)$1,8100.00%
71Westchester Fire Insurance Company10030PAAdmitted (licensed)$1,6290.00%
72Chubb National Insurance Company10052INAdmitted (licensed)$1,3430.00%
73Pacific Employers Insurance Company22748PAAdmitted (licensed)$8240.00%
74American Alternative Insurance Corporation19720DEAdmitted (licensed)$5310.00%
75Vigilant Insurance Company20397NYAdmitted (licensed)$130.00%
Turned down?

Last resort for ocean marine 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.

Need ocean marine in California?

Someone will insure it. I find who.

Send what you need covered and what happened before. I match it to the companies that take it, down to the last-resort plan if it comes to that. I'm licensed in 48 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida and Washington, where my licenses are still being issued, a partner agency in your state helps in the meantime.

Not shopping yet?

Get a reminder before your renewal.

Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.