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Directory · California · Commercial property (fire and allied lines)

Who writes commercial property (fire and allied lines) 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).

210 companies wrote commercial property (fire and allied lines) in California in 2025, $4.05B in direct premium. Foremost Insurance Company Grand Rapids, Michigan led with 13.4%; the top five hold 34%.

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

Top 10 · NAIC table: 01 - Fire

The insurer groups that write the most commercial property (fire and allied lines) 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
1Farmers Insurance Group$520.1M11.31%179%Farmers Insurance Exchange, Foremost Insurance Company Grand Rapids, Michigan, Mid-Century Insurance Company, Fire Insurance Exchange Fire Underwriters Association
2Travelers Group$283.8M6.17%85%Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
3Starr Group$242.6M5.28%55%STARR INDEMNITY \u0026 LIABILITY COMPANY, Starr Surplus Lines Insurance Company, Starr Specialty Insurance Company
4Berkshire Hathaway Group$196.0M4.26%45%GEICO General Insurance Company, GEICO Texas County Mutual Insurance Company, GEICO County Mutual Insurance Company, Government Employees Insurance Company
5Sutton National Group$189.2M4.11%42%Sutton National Insurance Company, Sutton Specialty Insurance Company
6Csaa Insurance Group$183.1M3.98%118%CSAA Insurance Exchange, CSAA FIRE \u0026 CASUALTY INSURANCE COMPANY, CSAA General Insurance Company, Mobilitas Insurance Company
7Chubb Ltd Group$169.3M3.68%105%Federal Insurance Company, Ace American Insurance Company, Ace Property and Casualty Insurance Company, Chubb Lloyd's Insurance Company of Texas
8American International Group$169.0M3.68%112%National Union Fire Insurance Company of Pittsburgh, Pennsylvania, AIG Property Casualty Company, Lexington Insurance Company, AIU Insurance Company
9State Farm Group$152.7M3.32%274%State Farm Mutual Automobile Insurance Company, State Farm Fire and Casualty Company, State Farm Lloyds, State Farm General Insurance Company
10Mercury General Group$122.3M2.66%88%Mercury Insurance Company, California Automobile Insurance Company, Mercury Insurance Company of Texas, Mercury County Mutual Insurance Company
Commercial property (fire and allied lines) · California

The companies

#CompanyNAICHome stateStatus herePremiumShare
1Foremost Insurance Company Grand Rapids, Michigan11185MIAdmitted (licensed)$543.1M13.42%
2Fire Insurance Exchange Fire Underwriters Association21660CAAdmitted (licensed)$239.2M5.91%
3American Security Insurance Company42978DEAdmitted (licensed)$223.3M5.52%
4Sutton National Insurance Company25798OKAdmitted (licensed)$184.7M4.57%
5Factory Mutual Insurance Company21482RIAdmitted (licensed)$176.5M4.36%
6Travelers Property Casualty Company of America25674CTAdmitted (licensed)$171.3M4.23%
7Zurich American Insurance Company16535NYAdmitted (licensed)$163.8M4.05%
8State Farm General Insurance Company25151ILAdmitted (licensed)$157.6M3.89%
9Safeco Insurance Company of America24740NHAdmitted (licensed)$147.4M3.64%
10CSAA FIRE \u0026 CASUALTY INSURANCE COMPANY10921INAdmitted (licensed)$138.0M3.41%
11California Automobile Insurance Company38342CAAdmitted (licensed)$122.3M3.02%
12Affiliated F M Insurance Company10014RIAdmitted (licensed)$105.4M2.61%
13Interinsurance Exchange of the Automobile Club15598CAAdmitted (licensed)$91.7M2.27%
14United Services Automobile Association, USAA Reciprocal, Attorney-in-fact25941TXAdmitted (licensed)$82.5M2.04%
15American Modern Property and Casualty Insurance Company42722OHAdmitted (licensed)$73.9M1.83%
16Nationwide Mutual Insurance Company23787OHAdmitted (licensed)$71.4M1.77%
17Swiss Re Corporate Solutions Elite Insurance Corporation29700MOAdmitted (licensed)$70.6M1.75%
18Allianz Global Risks US Insurance Company35300ILAdmitted (licensed)$65.9M1.63%
19Standard Fire Insurance Company (The)19070CTAdmitted (licensed)$63.3M1.57%
20Accredited Surety and Casualty Company, Inc.26379FLAdmitted (licensed)$59.2M1.46%
21California Capital Insurance Company13544CAAdmitted (licensed)$51.5M1.27%
22Ace American Insurance Company22667PAAdmitted (licensed)$51.4M1.27%
23CSAA Insurance Exchange15539CAAdmitted (licensed)$46.9M1.16%
24Accelerant National Insurance Company10220ARAdmitted (licensed)$46.1M1.14%
25DB Insurance Company, Ltd. (US Branch)12502HIAdmitted (licensed)$46.1M1.14%
26Hartford Fire Insurance Company19682CTAdmitted (licensed)$44.3M1.10%
27American Home Assurance Company19380NYAdmitted (licensed)$42.3M1.05%
28Employers Insurance Company of Wausau21458WIAdmitted (licensed)$42.0M1.04%
29Incline Casualty Company11090TXAdmitted (licensed)$41.9M1.04%
30Berkshire Hathaway Direct Insurance Company10391NEAdmitted (licensed)$29.9M0.74%
31Tokio Marine America Insurance Company10945NYAdmitted (licensed)$29.5M0.73%
32Mitsui Sumitomo Insurance Company of America20362NYAdmitted (licensed)$29.2M0.72%
33USAA Casualty Insurance Company25968TXAdmitted (licensed)$27.9M0.69%
34Travelers Casualty and Surety Company19038CTAdmitted (licensed)$24.9M0.62%
35XL Insurance America, Inc.24554DEAdmitted (licensed)$24.8M0.61%
36Federated Mutual Insurance Company13935MNAdmitted (licensed)$21.8M0.54%
37Pacific Employers Insurance Company22748PAAdmitted (licensed)$20.5M0.51%
38Zenith Insurance Company13269CAAdmitted (licensed)$20.1M0.50%
39Stillwater Insurance Company25180CAAdmitted (licensed)$19.1M0.47%
40Pennsylvania Lumbermen's Mutual Insurance Company14974PAAdmitted (licensed)$18.2M0.45%
41HDI Global Insurance Company41343ILAdmitted (licensed)$16.7M0.41%
42Continental Casualty Company20443ILAdmitted (licensed)$16.3M0.40%
43Verlan Fire Insurance Company10815NHAdmitted (licensed)$15.0M0.37%
44Fireman's Fund Insurance Company21873ILAdmitted (licensed)$14.7M0.36%
45Liberty Mutual Fire Insurance Company23035WIAdmitted (licensed)$13.9M0.34%
46Federal Insurance Company20281INAdmitted (licensed)$13.4M0.33%
47Sentry Insurance Company24988WIAdmitted (licensed)$13.2M0.33%
48Seneca Insurance Company Incorporated10936NYAdmitted (licensed)$12.9M0.32%
49Travelers Indemnity Company of Connecticut (The)25682CTAdmitted (licensed)$12.4M0.31%
50Granada Indemnity Company38148NYAdmitted (licensed)$12.2M0.30%
51Farmers Insurance Exchange21652CAAdmitted (licensed)$11.9M0.29%
52Middlesex Insurance Company23434WIAdmitted (licensed)$11.9M0.29%
53State National Insurance Company, Inc.12831TXAdmitted (licensed)$11.7M0.29%
54USAA General Indemnity Company18600TXAdmitted (licensed)$11.3M0.28%
55Garrison Property and Casualty Insurance Company21253TXAdmitted (licensed)$9.6M0.24%
56Hanover Insurance Company (The)22292NHAdmitted (licensed)$9.4M0.23%
57American National Property and Casualty Company28401NEAdmitted (licensed)$9.3M0.23%
58STARR INDEMNITY \u0026 LIABILITY COMPANY38318TXAdmitted (licensed)$7.6M0.19%
59One Alliance North America Insurance Company10759TXAdmitted (licensed)$7.4M0.18%
60Spinnaker Insurance Company24376ILAdmitted (licensed)$7.1M0.18%
61Amica Mutual Insurance Company, The19976RIAdmitted (licensed)$7.1M0.18%
62National Casualty Company11991OHAdmitted (licensed)$7.0M0.17%
63Ohio Security Insurance Company24082NHAdmitted (licensed)$6.8M0.17%
64Sompo America Insurance Company11126NYAdmitted (licensed)$6.3M0.16%
65Residence Mutual Insurance Company15776CAAdmitted (licensed)$5.3M0.13%
66Civil Service Employees Insurance Company10693CAAdmitted (licensed)$5.1M0.13%
67Golden Bear Insurance Company39861CAAdmitted (licensed)$4.9M0.12%
68West American Insurance Company44393INAdmitted (licensed)$4.9M0.12%
69Encompass Insurance Company10358ILAdmitted (licensed)$4.7M0.12%
70Berkley National Insurance Company38911IAAdmitted (licensed)$4.5M0.11%
71Atlantic Specialty Insurance Company27154NYAdmitted (licensed)$4.4M0.11%
72Insurance Company of the State of Pennsylvania (The)19429ILAdmitted (licensed)$4.3M0.11%
73Hiscox Insurance Company (Bermuda), Ltd.10200ILAdmitted (licensed)$4.2M0.10%
74California Casualty Indemnity Exchange, The20117CAAdmitted (licensed)$4.1M0.10%
75Nationwide Agribusiness Insurance Company28223IAAdmitted (licensed)$4.0M0.10%
76Great American Insurance Company16691OHAdmitted (licensed)$3.9M0.10%
77SOMPO AMERICA FIRE \u0026 MARINE INSURANCE COMPANY38997NYAdmitted (licensed)$3.8M0.09%
78Oregon Mutual Insurance Company14907ORAdmitted (licensed)$3.7M0.09%
79Greenwich Insurance Company22322DEAdmitted (licensed)$3.7M0.09%
80North River Insurance Company (The)21105NJAdmitted (licensed)$3.5M0.09%
81EMPLOYERS MUTUAL CASUALTY COMPANY Employers Mutual Casualty Company)21415IAAdmitted (licensed)$3.2M0.08%
82AXIS Insurance Company37273ILAdmitted (licensed)$3.2M0.08%
83Wesco Insurance Company25011DEAdmitted (licensed)$3.0M0.07%
84Wawanesa General Insurance Company10683CAAdmitted (licensed)$3.0M0.07%
85Federated Service Insurance Company28304MNAdmitted (licensed)$2.9M0.07%
86QBE Insurance (Europe) Limited39217PAAdmitted (licensed)$2.8M0.07%
87United States Liability Insurance Company25895NEAdmitted (licensed)$2.6M0.06%
88XL Specialty Insurance Company37885DEAdmitted (licensed)$2.5M0.06%
89American Modern Home Insurance Company23469OHAdmitted (licensed)$2.4M0.06%
90Grange Insurance Association22101WAAdmitted (licensed)$2.4M0.06%
91Integon National Insurance Company29742ILAdmitted (licensed)$2.3M0.06%
92Crestbrook Insurance Company18961OHAdmitted (licensed)$2.2M0.05%
93Massachusetts Bay Insurance Company22306NHAdmitted (licensed)$1.9M0.05%
94Nationwide General Insurance Company23760OHAdmitted (licensed)$1.9M0.05%
95Century-National Insurance Company26905ILAdmitted (licensed)$1.9M0.05%
96RSUI Indemnity Company22314NHAdmitted (licensed)$1.8M0.04%
97Ohio Casualty Insurance Company (The)24074NHAdmitted (licensed)$1.5M0.04%
98Sentry Select Insurance Company21180WIAdmitted (licensed)$1.4M0.03%
99Horace Mann Insurance Company22578ILAdmitted (licensed)$1.4M0.03%
100Mitsui Sumitomo Insurance USA Inc.22551NYAdmitted (licensed)$1.4M0.03%
101Continental Insurance Company, (The)35289PAAdmitted (licensed)$1.3M0.03%
102United States Fire Insurance Company21113DEAdmitted (licensed)$1.3M0.03%
103Eagle West Insurance Company12890CAAdmitted (licensed)$1.3M0.03%
104Security National Insurance Company19879DEAdmitted (licensed)$1.2M0.03%
105Monterey Insurance Company23540CAAdmitted (licensed)$1.2M0.03%
106Great American Assurance Company26344OHAdmitted (licensed)$1.1M0.03%
107Colony Specialty Insurance Company36927NEAdmitted (licensed)$1.0M0.03%
108Great American Alliance Insurance Company26832OHAdmitted (licensed)$1.0M0.03%
109HYUNDAI MARINE \u0026 FIRE INSURANCE CO., LTD. (U.S. BRANCH)10048CAAdmitted (licensed)$1.0M0.03%
110American Casualty Company of Reading, Pennsylvania20427PAAdmitted (licensed)$974,9940.02%
111StarStone National Insurance Company25496DEAdmitted (licensed)$940,9980.02%
112American Southern Home Insurance Company41998FLAdmitted (licensed)$932,3120.02%
113Philadelphia Indemnity Insurance Company18058PAAdmitted (licensed)$896,8780.02%
114Truck Insurance Exchange21709CAAdmitted (licensed)$854,6940.02%
115Motors Insurance Corporation22012MIAdmitted (licensed)$836,8690.02%
116First Liberty Insurance Corporation (The)33588ILAdmitted (licensed)$801,7160.02%
117AmGUARD Insurance Company42390NEAdmitted (licensed)$782,7060.02%
118American Alternative Insurance Corporation19720DEAdmitted (licensed)$731,3840.02%
119Falls Lake Fire and Casualty Company15884CAAdmitted (licensed)$724,1840.02%
120Hartford Underwriters Insurance Company30104CTAdmitted (licensed)$699,1120.02%
121Granite State Insurance Company23809ILAdmitted (licensed)$657,7660.02%
122American Guarantee and Liability Insurance Company26247NYAdmitted (licensed)$649,7630.02%
123Armed Forces Insurance Exchange41459KSAdmitted (licensed)$620,0860.02%
124Great American Insurance Company of New York22136NYAdmitted (licensed)$576,3570.01%
125United Casualty Insurance Company of America11142MOAdmitted (licensed)$567,3620.01%
126American Zurich Insurance Company40142ILAdmitted (licensed)$564,5200.01%
127National Union Fire Insurance Company of Pittsburgh, Pennsylvania19445PAAdmitted (licensed)$563,7630.01%
128Federated Rural Electric Insurance Exchange11118KSAdmitted (licensed)$563,2350.01%
129Swiss Re Corporate Solutions America Insurance Corporation29874MOAdmitted (licensed)$537,1580.01%
130ASI Select Insurance Corp.14042DEAdmitted (licensed)$476,3220.01%
131Hudson Insurance Company25054DEAdmitted (licensed)$461,0170.01%
132Dorinco Reinsurance Company33499MIAdmitted (licensed)$427,1450.01%
133Cumis Insurance Society Incorporated10847IAAdmitted (licensed)$416,2760.01%
134UNITED FIRE \u0026 CASUALTY COMPANY13021IAAdmitted (licensed)$416,0310.01%
135Allmerica Financial Benefit Insurance Company41840MIAdmitted (licensed)$406,8800.01%
136L M Insurance Corporation33600ILAdmitted (licensed)$403,3110.01%
137Berkley Regional Insurance Company29580IAAdmitted (licensed)$395,0080.01%
138TransGuard Insurance Company of America, Inc.28886ILAdmitted (licensed)$389,1400.01%
139Financial Pacific Insurance Company31453CAAdmitted (licensed)$387,0790.01%
140Fidelity and Guaranty Insurance Company35386IAAdmitted (licensed)$381,8600.01%
141USPlate Glass Insurance Company28497ILAdmitted (licensed)$371,0410.01%
142Markel Insurance Company38970ILAdmitted (licensed)$357,3590.01%
143Citizens Insurance Company of America31534MIAdmitted (licensed)$347,4000.01%
144Hanover American Insurance Company (The)36064NHAdmitted (licensed)$345,3340.01%
145HORACE MANN PROPERTY \u0026 CASUALTY INSURANCE COMPANY22756ILAdmitted (licensed)$343,6420.01%
146California Mutual Insurance Company27480CAAdmitted (licensed)$341,1700.01%
147Transportation Insurance Company20494ILAdmitted (licensed)$329,0280.01%
148Zurich American Insurance Company of Illinois27855ILAdmitted (licensed)$323,7640.01%
149General Casualty Company of Wisconsin24414WIAdmitted (licensed)$316,9600.01%
150Liberty Mutual Insurance Company42404ILAdmitted (licensed)$302,3820.01%
151GuideOne Insurance Company15032IAAdmitted (licensed)$273,4200.01%
152SAMSUNG FIRE \u0026 MARINE INSURANCE CO., LTD. (U.S. BRANCH)38300NYAdmitted (licensed)$258,6070.01%
153Arch Insurance (UK) Limited11150MOAdmitted (licensed)$254,3640.01%
154MAPFRE Insurance Company23876NJAdmitted (licensed)$242,2540.01%
155New Hampshire Insurance Company23841ILAdmitted (licensed)$221,1960.01%
156American Family Home Insurance Company23450FLAdmitted (licensed)$189,0290.00%
157Scottsdale Indemnity Company15580OHAdmitted (licensed)$183,0600.00%
158Valley Forge Insurance Company20508PAAdmitted (licensed)$153,6370.00%
159American Fire and Casualty Company24066NHAdmitted (licensed)$149,0200.00%
160Mercury Casualty Company11908CAAdmitted (licensed)$147,2190.00%
161National Fire Insurance Company of Hartford20478ILAdmitted (licensed)$90,5400.00%
162Pacific Indemnity Company20346DEAdmitted (licensed)$87,8990.00%
163Standard Guaranty Insurance Company42986DEAdmitted (licensed)$73,1100.00%
164American Summit Insurance Company19623TXAdmitted (licensed)$64,9590.00%
165Cincinnati Insurance Company (The)10677OHAdmitted (licensed)$63,6410.00%
166AMCO Insurance Company19100IAAdmitted (licensed)$61,0620.00%
167New York Marine and General Insurance Company16608NYAdmitted (licensed)$48,0370.00%
168BITCO General Insurance Corporation20095IAAdmitted (licensed)$42,8480.00%
169Berkshire Hathaway Specialty Insurance Company22276NEAdmitted (licensed)$40,9850.00%
170GuideOne Specialty Insurance Company14559IAAdmitted (licensed)$40,8330.00%
171Nova Casualty Company42552NYAdmitted (licensed)$39,6690.00%
172Amerisure Mutual Insurance Company23396MIAdmitted (licensed)$37,9180.00%
173Imperium Insurance Company35408TXAdmitted (licensed)$37,1560.00%
174Hartford Casualty Insurance Company29424INAdmitted (licensed)$35,4640.00%
175Empire Fire and Marine Insurance Company21326ILAdmitted (licensed)$32,7520.00%
176Technology Insurance Company, Inc.42376DEAdmitted (licensed)$31,9120.00%
177Everest Reinsurance (Bermuda) Limited -26921DEAdmitted (licensed)$30,2180.00%
178Utica Mutual Insurance Company25976NYAdmitted (licensed)$27,4240.00%
179RLI Insurance Company13056ILAdmitted (licensed)$25,6180.00%
180Western Mutual Insurance Company13625CAAdmitted (licensed)$22,5740.00%
181Fidelity and Deposit Company of Maryland (The)39306ILAdmitted (licensed)$17,6460.00%
182Nationwide Insurance Company of America25453OHAdmitted (licensed)$16,1730.00%
183Cincinnati Indemnity Company (The)23280OHAdmitted (licensed)$11,5990.00%
184Chubb National Insurance Company10052INAdmitted (licensed)$11,4160.00%
185Vanliner Insurance Company21172OHAdmitted (licensed)$9,8730.00%
186National Interstate Insurance Company32620OHAdmitted (licensed)$9,2710.00%
187Everest National Insurance Company10120DEAdmitted (licensed)$7,9620.00%
188Cincinnati Casualty Company (The)28665OHAdmitted (licensed)$7,2340.00%
189North Pointe Insurance Company27740PAAdmitted (licensed)$6,1060.00%
190Mid-Century Insurance Company21687CAAdmitted (licensed)$6,0020.00%
191StarNet Insurance Company40045IAAdmitted (licensed)$5,6970.00%
192Berkley Assurance Company32603DEAdmitted (licensed)$5,6090.00%
193National Farmers Union Property and Casualty Company16217ILAdmitted (licensed)$4,9140.00%
194Manufacturers Alliance Insurance Company36897PAAdmitted (licensed)$4,7310.00%
195General Insurance Company of America24732NHAdmitted (licensed)$4,4130.00%
196Regent Insurance Company24449WIAdmitted (licensed)$4,2440.00%
197Pennsylvania Manufacturers' Association Insurance Company12262PAAdmitted (licensed)$3,6360.00%
198Alaska National Insurance Company38733AKAdmitted (licensed)$3,0800.00%
199National American Insurance Company23663OKAdmitted (licensed)$2,7980.00%
200Neighborhood Spirit Property and Casualty Company10317CAAdmitted (licensed)$2,7760.00%
201Allied Property and Casualty Insurance Company42579IAAdmitted (licensed)$2,4130.00%
202Civic Property and Casualty Company10315CAAdmitted (licensed)$1,9180.00%
203Great Divide Insurance Company25224NDAdmitted (licensed)$1,7010.00%
204Williamsburg National Insurance Company25780MIAdmitted (licensed)$9720.00%
205Seaview Insurance Company10004CAAdmitted (licensed)$7030.00%
206U.S. Underwriters Insurance Company35416NDAdmitted (licensed)$6900.00%
207St. Paul Mercury Insurance Company24791CTAdmitted (licensed)$6130.00%
208Nationwide Property and Casualty Insurance Company37877OHAdmitted (licensed)$3370.00%
209Great American Spirit Insurance Company33723OHAdmitted (licensed)$370.00%
210St. Paul Guardian Insurance Company24775CTAdmitted (licensed)$310.00%
Turned down?

Last resort for commercial property (fire and allied lines) in California

Last resortLinesWhereHow to get in
Property FAIR Plansdwelling fire, homeowners, commercial propertyCA, CO, CT, IL, IN, IA, KS, KY, MN, MO, OH, OR, PA, TX, WI, WV, LA, DE, DC, GA, HI, MD, MA, MI, NJ, NM, NY, NC, RI, VA, FLEach state's plan; California: broker searches the regular market first, registers on the broker portal (cfpnet.com); a DIC wrap is optionalSource
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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