Who writes pet 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).
20 companies wrote pet in California in 2025, $1.06B in direct premium. Veterinary Pet Insurance Company led with 18.0%; the top five hold 71%.
By Sam Alishahi, independent insurance broker · All lines in California
The companies
| # | Company | NAIC | Home state | Status here | Premium | Share |
|---|---|---|---|---|---|---|
| 1 | Veterinary Pet Insurance Company | 42285 | OH | Admitted (licensed) | $191.1M | 18.02% |
| 2 | American Pet Insurance Company, Inc. | 12190 | NY | Admitted (licensed) | $190.6M | 17.98% |
| 3 | Westchester Fire Insurance Company | 10030 | PA | Admitted (licensed) | $134.4M | 12.68% |
| 4 | Independence American Insurance Company | 26581 | DE | Admitted (licensed) | $120.0M | 11.32% |
| 5 | United States Fire Insurance Company | 21113 | DE | Admitted (licensed) | $111.6M | 10.52% |
| 6 | American Modern Home Insurance Company | 23469 | OH | Admitted (licensed) | $85.4M | 8.05% |
| 7 | Lemonade Insurance Company | 16023 | NY | Admitted (licensed) | $85.3M | 8.05% |
| 8 | Metropolitan General Insurance Company | 39950 | RI | Admitted (licensed) | $75.5M | 7.12% |
| 9 | AXIS Insurance Company | 37273 | IL | Admitted (licensed) | $43.7M | 4.12% |
| 10 | MS Transverse Insurance Company | 21075 | TX | Admitted (licensed) | $11.3M | 1.06% |
| 11 | Accredited Surety and Casualty Company, Inc. | 26379 | FL | Admitted (licensed) | $2.7M | 0.26% |
| 12 | Trisura Insurance Company | 22225 | OK | Admitted (licensed) | $2.0M | 0.19% |
| 13 | North River Insurance Company (The) | 21105 | NJ | Admitted (licensed) | $1.5M | 0.14% |
| 14 | National Specialty Insurance Company | 22608 | TX | Admitted (licensed) | $1.0M | 0.10% |
| 15 | CSAA General Insurance Company | 37770 | IN | Admitted (licensed) | $1.0M | 0.10% |
| 16 | Markel American Insurance Company | 28932 | VA | Admitted (licensed) | $1.0M | 0.10% |
| 17 | Liberty Mutual Fire Insurance Company | 23035 | WI | Admitted (licensed) | $944,217 | 0.09% |
| 18 | Everspan Insurance Company | 24961 | AZ | Admitted (licensed) | $465,084 | 0.04% |
| 19 | Old Republic Insurance Company | 24147 | PA | Admitted (licensed) | $335,187 | 0.03% |
| 20 | Safeco Insurance Company of America | 24740 | NH | Admitted (licensed) | $231,166 | 0.02% |
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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