Modern two-story house with a pool
Directory · California · Workers' compensation

Who writes workers' compensation 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).

245 companies wrote workers' compensation in California in 2025, $12.01B in direct premium. State Compensation Insurance Fund led with 8.0%; the top five hold 26%.

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

Top 10 · NAIC table: 16 - Workers Compensation

The insurer groups that write the most workers' compensation 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
1Amtrust Financial Serv Group$1.03B8.74%62%Wesco Insurance Company, Technology Insurance Company, Inc., Security National Insurance Company, AmTrust Insurance Company
2State Compensation Insurance Fund$962.0M8.19%25%—
3Berkshire Hathaway Group$787.6M6.70%38%GEICO General Insurance Company, GEICO Texas County Mutual Insurance Company, GEICO County Mutual Insurance Company, Government Employees Insurance Company
4Hartford Fire & Casualty Group$746.9M6.36%36%Hartford Fire Insurance Company, Hartford Underwriters Insurance Company, Hartford Casualty Insurance Company, Twin City Fire Insurance Company (The)
5Icw Group Assets Inc Group$705.2M6.00%60%Insurance Company of the West, Explorer Insurance Company, Icw Casualty Insurance Company, ICW National Insurance Company
6Travelers Group$563.5M4.80%46%Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
7Zurich Insurance Group$543.0M4.62%43%Zurich American Insurance Company, Rural Community Insurance Company, American Zurich Insurance Company, American Guarantee and Liability Insurance Company
8Chubb Ltd Group$488.1M4.16%47%Federal Insurance Company, Ace American Insurance Company, Ace Property and Casualty Insurance Company, Chubb Lloyd's Insurance Company of Texas
9Fairfax Financial Group$362.9M3.09%42%United States Fire Insurance Company, Zenith Insurance Company, Hudson Insurance Company, North River Insurance Company (The)
10Wr Berkley Corporation Group$360.9M3.07%51%Berkley Assurance Company, Berkley National Insurance Company, Carolina Casualty Insurance Company, StarNet Insurance Company
Workers' compensation · California

The companies

#CompanyNAICHome stateStatus herePremiumShare
1State Compensation Insurance Fund35076CAAdmitted (licensed)$962.0M8.01%
2Insurance Company of the West27847CAAdmitted (licensed)$705.2M5.87%
3Travelers Property Casualty Company of America25674CTAdmitted (licensed)$562.6M4.69%
4Hartford Casualty Insurance Company29424INAdmitted (licensed)$438.4M3.65%
5Zurich American Insurance Company16535NYAdmitted (licensed)$407.5M3.39%
6Technology Insurance Company, Inc.42376DEAdmitted (licensed)$366.6M3.05%
7Zenith Insurance Company13269CAAdmitted (licensed)$287.8M2.40%
8Security National Insurance Company19879DEAdmitted (licensed)$257.4M2.14%
9Cypress Insurance Company10855CAAdmitted (licensed)$219.0M1.82%
10Sentinel Insurance Company, Limited11000CTAdmitted (licensed)$211.5M1.76%
11Safety National Casualty Corporation15105MOAdmitted (licensed)$205.4M1.71%
12Employers Preferred Insurance Company10346FLAdmitted (licensed)$201.2M1.68%
13Pie Insurance Company, (The)21857OHAdmitted (licensed)$200.9M1.67%
14Pacific Compensation Insurance Company11555CAAdmitted (licensed)$196.2M1.63%
15Ace American Insurance Company22667PAAdmitted (licensed)$184.7M1.54%
16National Casualty Company11991OHAdmitted (licensed)$184.1M1.53%
17Federal Insurance Company20281INAdmitted (licensed)$176.8M1.47%
18Omaha National Casualty Company32107CAAdmitted (licensed)$169.3M1.41%
19Republic Indemnity Company of America22179CAAdmitted (licensed)$168.7M1.40%
20Berkshire Hathaway Homestate Insurance Company20044NEAdmitted (licensed)$163.7M1.36%
21Arch Insurance (UK) Limited11150MOAdmitted (licensed)$148.1M1.23%
22Old Republic Insurance Company24147PAAdmitted (licensed)$147.4M1.23%
23Everest Premier Insurance Company16045DEAdmitted (licensed)$139.7M1.16%
24Service American Indemnity Company39152TXAdmitted (licensed)$137.4M1.14%
25StarStone National Insurance Company25496DEAdmitted (licensed)$119.2M0.99%
26Clear Spring Property and Casualty Company15563INAdmitted (licensed)$118.3M0.99%
27Praetorian Insurance Company37257PAAdmitted (licensed)$109.4M0.91%
28American Zurich Insurance Company40142ILAdmitted (licensed)$109.3M0.91%
29Oak River Insurance Company34630NEAdmitted (licensed)$108.0M0.90%
30Sequoia Insurance Company22985CAAdmitted (licensed)$102.5M0.85%
31Redwood Fire and Casualty Insurance Company11673NEAdmitted (licensed)$98.2M0.82%
32XL Specialty Insurance Company37885DEAdmitted (licensed)$98.0M0.82%
33Preferred Employers Insurance Company10900CAAdmitted (licensed)$97.7M0.81%
34Mid-Century Insurance Company21687CAAdmitted (licensed)$96.7M0.81%
35Markel Insurance Company38970ILAdmitted (licensed)$95.9M0.80%
36XL Insurance America, Inc.24554DEAdmitted (licensed)$90.5M0.75%
37AIU Insurance Company19399NYAdmitted (licensed)$89.8M0.75%
38Benchmark Insurance Company41394KSAdmitted (licensed)$87.6M0.73%
39National Union Fire Insurance Company of Pittsburgh, Pennsylvania19445PAAdmitted (licensed)$86.8M0.72%
40Employers Assurance Company25402FLAdmitted (licensed)$86.6M0.72%
41American Casualty Company of Reading, Pennsylvania20427PAAdmitted (licensed)$84.7M0.71%
42Arch Indemnity Insurance Company30830MOAdmitted (licensed)$84.5M0.70%
43Compwest Insurance Company12177CAAdmitted (licensed)$81.4M0.68%
44Property and Casualty Insurance Company of Hartford34690INAdmitted (licensed)$78.8M0.66%
45Wesco Insurance Company25011DEAdmitted (licensed)$78.2M0.65%
46Liberty Mutual Fire Insurance Company23035WIAdmitted (licensed)$75.4M0.63%
47Midwest Employers Casualty Company23612IAAdmitted (licensed)$73.7M0.61%
48STARR INDEMNITY \u0026 LIABILITY COMPANY38318TXAdmitted (licensed)$71.4M0.59%
49NorGUARD Insurance Company31470NEAdmitted (licensed)$70.7M0.59%
50CorePointe Insurance Company10499DEAdmitted (licensed)$70.5M0.59%
51AmTrust Insurance Company15954DEAdmitted (licensed)$64.7M0.54%
52Indemnity Insurance Company of North America43575PAAdmitted (licensed)$64.6M0.54%
53State Farm Fire and Casualty Company25143ILAdmitted (licensed)$64.5M0.54%
54Great American Alliance Insurance Company26832OHAdmitted (licensed)$64.5M0.54%
55Endurance Assurance Corporation11551DEAdmitted (licensed)$63.8M0.53%
56Sunz Insurance Company34762FLAdmitted (licensed)$62.8M0.52%
57Alaska National Insurance Company38733AKAdmitted (licensed)$59.0M0.49%
58Pennsylvania Manufacturers' Association Insurance Company12262PAAdmitted (licensed)$58.7M0.49%
59L M Insurance Corporation33600ILAdmitted (licensed)$56.4M0.47%
60Employers Compensation Insurance Company11512NVAdmitted (licensed)$52.3M0.44%
61ProCentury Insurance Company21903MIAdmitted (licensed)$51.6M0.43%
62State National Insurance Company, Inc.12831TXAdmitted (licensed)$50.5M0.42%
63StarNet Insurance Company40045IAAdmitted (licensed)$50.4M0.42%
64Accident Fund Insurance Company of America10166MIAdmitted (licensed)$50.3M0.42%
65Continental Insurance Company, (The)35289PAAdmitted (licensed)$50.1M0.42%
66ZNAT Insurance Company30120CAAdmitted (licensed)$49.9M0.42%
67Carolina Casualty Insurance Company10510IAAdmitted (licensed)$48.0M0.40%
68Star Insurance Company18023MIAdmitted (licensed)$47.4M0.39%
69Rochdale Insurance Company12491NYAdmitted (licensed)$46.7M0.39%
70Valley Forge Insurance Company20508PAAdmitted (licensed)$45.2M0.38%
71Care West Insurance Company10520CAAdmitted (licensed)$44.5M0.37%
72Sompo America Insurance Company11126NYAdmitted (licensed)$43.4M0.36%
73Starr Specialty Insurance Company16109TXAdmitted (licensed)$41.8M0.35%
74NATIONAL LIABILITY \u0026 FIRE INSURANCE COMPANY20052CTAdmitted (licensed)$40.7M0.34%
75BITCO General Insurance Corporation20095IAAdmitted (licensed)$39.0M0.32%
76Liberty Mutual Insurance Company42404ILAdmitted (licensed)$37.2M0.31%
77Berkshire Hathaway Direct Insurance Company10391NEAdmitted (licensed)$34.2M0.28%
78Southern Insurance Company19216TXAdmitted (licensed)$32.8M0.27%
79Vanliner Insurance Company21172OHAdmitted (licensed)$32.1M0.27%
80QBE Insurance (Europe) Limited39217PAAdmitted (licensed)$31.7M0.26%
81New Hampshire Insurance Company23841ILAdmitted (licensed)$31.3M0.26%
82Berkley National Insurance Company38911IAAdmitted (licensed)$30.0M0.25%
83Accredited Surety and Casualty Company, Inc.26379FLAdmitted (licensed)$29.7M0.25%
84WCF National Insurance Company40517UTAdmitted (licensed)$29.0M0.24%
85Employers Insurance Company of Wausau21458WIAdmitted (licensed)$28.5M0.24%
86National Specialty Insurance Company22608TXAdmitted (licensed)$28.3M0.24%
87Transportation Insurance Company20494ILAdmitted (licensed)$28.0M0.23%
88Everest National Insurance Company10120DEAdmitted (licensed)$27.6M0.23%
89Hanover American Insurance Company (The)36064NHAdmitted (licensed)$27.0M0.22%
90Great Divide Insurance Company25224NDAdmitted (licensed)$25.5M0.21%
91Tokio Marine America Insurance Company10945NYAdmitted (licensed)$25.2M0.21%
92California Insurance Company38865CAAdmitted (licensed)$24.9M0.21%
93Safety First Insurance Company11123MOAdmitted (licensed)$24.2M0.20%
94Sentry Casualty Company28460WIAdmitted (licensed)$24.1M0.20%
95AmGUARD Insurance Company42390NEAdmitted (licensed)$23.4M0.20%
96Chubb Indemnity Insurance Company12777NYAdmitted (licensed)$23.1M0.19%
97Sentry Insurance Company24988WIAdmitted (licensed)$22.7M0.19%
98New York Marine and General Insurance Company16608NYAdmitted (licensed)$22.7M0.19%
99Chubb National Insurance Company10052INAdmitted (licensed)$22.6M0.19%
100National Fire Insurance Company of Hartford20478ILAdmitted (licensed)$22.4M0.19%
101WCF Select Insurance Company21865CAAdmitted (licensed)$22.3M0.19%
102Tri-State Insurance Company of Minnesota31003IAAdmitted (licensed)$21.9M0.18%
103Ohio Security Insurance Company24082NHAdmitted (licensed)$21.2M0.18%
104Church Mutual Insurance Company, S. I.18767WIAdmitted (licensed)$19.2M0.16%
105Dentists Insurance Company (The)40975CAAdmitted (licensed)$18.4M0.15%
106Nova Casualty Company42552NYAdmitted (licensed)$18.1M0.15%
107First Liberty Insurance Corporation (The)33588ILAdmitted (licensed)$17.7M0.15%
108Allmerica Financial Benefit Insurance Company41840MIAdmitted (licensed)$17.0M0.14%
109Zurich American Insurance Company of Illinois27855ILAdmitted (licensed)$17.0M0.14%
110Wellfleet New York Insurance Company20931NYAdmitted (licensed)$15.7M0.13%
111American Guarantee and Liability Insurance Company26247NYAdmitted (licensed)$15.6M0.13%
112Granite State Insurance Company23809ILAdmitted (licensed)$15.2M0.13%
113Bankers Standard Insurance Company18279PAAdmitted (licensed)$14.8M0.12%
114Manufacturers Alliance Insurance Company36897PAAdmitted (licensed)$14.1M0.12%
115SOMPO AMERICA FIRE \u0026 MARINE INSURANCE COMPANY38997NYAdmitted (licensed)$14.0M0.12%
116Continental Casualty Company20443ILAdmitted (licensed)$14.0M0.12%
117Brotherhood Mutual Insurance Company13528INAdmitted (licensed)$13.9M0.12%
118Truck Insurance Exchange21709CAAdmitted (licensed)$13.5M0.11%
119Pacific Indemnity Company20346DEAdmitted (licensed)$13.4M0.11%
120Pennsylvania Manufacturers Indemnity Company41424PAAdmitted (licensed)$13.1M0.11%
121UNITED FIRE \u0026 CASUALTY COMPANY13021IAAdmitted (licensed)$12.8M0.11%
122Florists' Mutual Insurance Company13978ILAdmitted (licensed)$12.1M0.10%
123Protective Insurance Company12416INAdmitted (licensed)$12.0M0.10%
124Wellfleet Insurance Company32280INAdmitted (licensed)$11.9M0.10%
125Republic Indemnity Company of California43753CAAdmitted (licensed)$11.9M0.10%
126Massachusetts Bay Insurance Company22306NHAdmitted (licensed)$11.1M0.09%
127Imperium Insurance Company35408TXAdmitted (licensed)$11.1M0.09%
128North River Insurance Company (The)21105NJAdmitted (licensed)$11.0M0.09%
129United States Fire Insurance Company21113DEAdmitted (licensed)$10.4M0.09%
130Continental Indemnity Company28258NMAdmitted (licensed)$10.3M0.09%
131North Pointe Insurance Company27740PAAdmitted (licensed)$9.8M0.08%
132ACIG Insurance Company19984ILAdmitted (licensed)$9.7M0.08%
133HDI Global Insurance Company41343ILAdmitted (licensed)$9.6M0.08%
134Middlesex Insurance Company23434WIAdmitted (licensed)$9.6M0.08%
135Vigilant Insurance Company20397NYAdmitted (licensed)$9.4M0.08%
136National Interstate Insurance Company32620OHAdmitted (licensed)$9.3M0.08%
137Greenwich Insurance Company22322DEAdmitted (licensed)$9.0M0.08%
138Mitsui Sumitomo Insurance Company of America20362NYAdmitted (licensed)$9.0M0.07%
139Berkley Regional Insurance Company29580IAAdmitted (licensed)$8.5M0.07%
140Insurance Company of the State of Pennsylvania (The)19429ILAdmitted (licensed)$8.4M0.07%
141Amerisure Mutual Insurance Company23396MIAdmitted (licensed)$8.3M0.07%
142Palomar Specialty Insurance Company20338ORAdmitted (licensed)$8.0M0.07%
143OBI National Insurance Company14190PAAdmitted (licensed)$7.9M0.07%
144Hartford Underwriters Insurance Company30104CTAdmitted (licensed)$7.8M0.07%
145Milford Casualty Insurance Company26662DEAdmitted (licensed)$7.7M0.06%
146Great American Spirit Insurance Company33723OHAdmitted (licensed)$7.4M0.06%
147Atlantic Specialty Insurance Company27154NYAdmitted (licensed)$7.4M0.06%
148Service Lloyds Insurance Company, a stock company43389TXAdmitted (licensed)$7.3M0.06%
149Mitsui Sumitomo Insurance USA Inc.22551NYAdmitted (licensed)$7.2M0.06%
150West American Insurance Company44393INAdmitted (licensed)$7.1M0.06%
151Old Republic General Insurance Corporation24139ILAdmitted (licensed)$7.1M0.06%
152Everest Denali Insurance Company16044DEAdmitted (licensed)$7.0M0.06%
153Cherokee Insurance Company10642MIAdmitted (licensed)$6.9M0.06%
154Hanover Insurance Company (The)22292NHAdmitted (licensed)$6.7M0.06%
155Citizens Insurance Company of America31534MIAdmitted (licensed)$6.7M0.06%
156Argonaut Insurance Company19801NEAdmitted (licensed)$6.4M0.05%
157Midwest Insurance Company10895ILAdmitted (licensed)$6.2M0.05%
158MEMIC Indemnity Company11030NHAdmitted (licensed)$6.0M0.05%
159American Home Assurance Company19380NYAdmitted (licensed)$5.9M0.05%
160Commerce and Industry Insurance Company19410NYAdmitted (licensed)$5.6M0.05%
161Twin City Fire Insurance Company (The)29459INAdmitted (licensed)$5.5M0.05%
162RLI Insurance Company13056ILAdmitted (licensed)$5.3M0.04%
163Nationwide Mutual Insurance Company23787OHAdmitted (licensed)$5.3M0.04%
164Triumphe Casualty Company41106OHAdmitted (licensed)$5.2M0.04%
165Farmers Insurance Exchange21652CAAdmitted (licensed)$4.5M0.04%
166Intrepid Insurance Company10749IAAdmitted (licensed)$4.5M0.04%
167Great American Assurance Company26344OHAdmitted (licensed)$4.2M0.04%
168American Automobile Insurance Company21849MOAdmitted (licensed)$4.1M0.03%
169GuideOne Insurance Company15032IAAdmitted (licensed)$4.1M0.03%
170National Surety Corporation21881ILAdmitted (licensed)$3.8M0.03%
171United Wisconsin Insurance Company29157WIAdmitted (licensed)$3.8M0.03%
172Pharmacists Mutual Insurance Company13714IAAdmitted (licensed)$3.8M0.03%
173CRUM \u0026 FORSTER INDEMNITY COMPANY31348DEAdmitted (licensed)$3.8M0.03%
174Hartford Accident and Indemnity Company22357CTAdmitted (licensed)$3.7M0.03%
175Standard Fire Insurance Company (The)19070CTAdmitted (licensed)$3.0M0.02%
176Trans Pacific Insurance Company41238NYAdmitted (licensed)$2.8M0.02%
177Ace Fire Underwriters Insurance Company20702PAAdmitted (licensed)$2.7M0.02%
178GuideOne Specialty Insurance Company14559IAAdmitted (licensed)$2.7M0.02%
179MAG Mutual Insurance Company42617GAAdmitted (licensed)$2.6M0.02%
180Cincinnati Indemnity Company (The)23280OHAdmitted (licensed)$2.4M0.02%
181Pacific Employers Insurance Company22748PAAdmitted (licensed)$2.4M0.02%
182Nationwide Agribusiness Insurance Company28223IAAdmitted (licensed)$2.4M0.02%
183SAMSUNG FIRE \u0026 MARINE INSURANCE CO., LTD. (U.S. BRANCH)38300NYAdmitted (licensed)$2.2M0.02%
184EastGuard Insurance Company14702NEAdmitted (licensed)$2.1M0.02%
185TNUS Insurance Company DBA: 257000032301NYAdmitted (licensed)$2.1M0.02%
186Great Northern Insurance Company20303INAdmitted (licensed)$1.9M0.02%
187Prescient National Insurance Company12773NCAdmitted (licensed)$1.9M0.02%
188Hartford Insurance Company of the Midwest37478INAdmitted (licensed)$1.8M0.01%
189General Insurance Company of America24732NHAdmitted (licensed)$1.7M0.01%
190Executive Risk Indemnity, Inc.35181DEAdmitted (licensed)$1.5M0.01%
191TransGuard Insurance Company of America, Inc.28886ILAdmitted (licensed)$1.3M0.01%
192Work First Casualty Company31232DEAdmitted (licensed)$1.3M0.01%
193Stonington Insurance Company10340PAAdmitted (licensed)$1.3M0.01%
194Fireman's Fund Insurance Company21873ILAdmitted (licensed)$1.2M0.01%
195EMPLOYERS MUTUAL CASUALTY COMPANY Employers Mutual Casualty Company)21415IAAdmitted (licensed)$1.2M0.01%
196Chiron Insurance Company16356IAAdmitted (licensed)$1.2M0.01%
197American Summit Insurance Company19623TXAdmitted (licensed)$1.2M0.01%
198Nationwide Mutual Insurance Company10723OHAdmitted (licensed)$1.1M0.01%
199Cincinnati Casualty Company (The)28665OHAdmitted (licensed)$1.1M0.01%
200Sentry Select Insurance Company21180WIAdmitted (licensed)$1.0M0.01%
201Great West Casualty Company11371NEAdmitted (licensed)$977,8780.01%
202American Interstate Insurance Company31895NEAdmitted (licensed)$964,0800.01%
203Cincinnati Insurance Company (The)10677OHAdmitted (licensed)$811,1760.01%
204Ace Property and Casualty Insurance Company20699PAAdmitted (licensed)$809,7490.01%
205Nationwide Property and Casualty Insurance Company37877OHAdmitted (licensed)$796,0840.01%
206Great American Insurance Company16691OHAdmitted (licensed)$748,8960.01%
207Williamsburg National Insurance Company25780MIAdmitted (licensed)$701,1110.01%
208Argonaut-Midwest Insurance Company19828NEAdmitted (licensed)$683,1830.01%
209Regent Insurance Company24449WIAdmitted (licensed)$662,9380.01%
210Trumbull Insurance Company27120CTAdmitted (licensed)$631,0860.01%
211Westchester Fire Insurance Company10030PAAdmitted (licensed)$615,0560.01%
212Berkley Casualty Company15911IAAdmitted (licensed)$595,1810.00%
213Hartford Fire Insurance Company19682CTAdmitted (licensed)$592,2080.00%
214Nationwide Insurance Company of America25453OHAdmitted (licensed)$591,8540.00%
215Ascot Insurance Company23752COAdmitted (licensed)$554,6740.00%
216West Bend Insurance Company15350WIAdmitted (licensed)$545,4460.00%
217Cerity Insurance Company10006NYAdmitted (licensed)$389,9750.00%
218Nationwide General Insurance Company23760OHAdmitted (licensed)$370,8870.00%
219First National Insurance Company of America24724NHAdmitted (licensed)$329,7810.00%
220Safeco Insurance Company of America24740NHAdmitted (licensed)$312,0690.00%
221MEMIC Casualty Company14164NHAdmitted (licensed)$302,4420.00%
222American Liberty Insurance Company, Inc.12200UTAdmitted (licensed)$280,9820.00%
223Safeco Insurance Company of Illinois39012ILAdmitted (licensed)$271,1460.00%
224Gray Insurance Company (The)36307LAAdmitted (licensed)$252,9930.00%
225Cumis Insurance Society Incorporated10847IAAdmitted (licensed)$193,8830.00%
226AmFed Causualty Insurance Company11963MSAdmitted (licensed)$193,4240.00%
227Riverport Insurance Company36684IAAdmitted (licensed)$191,2750.00%
228Utica Mutual Insurance Company25976NYAdmitted (licensed)$133,3100.00%
229Federated Rural Electric Insurance Exchange11118KSAdmitted (licensed)$131,3570.00%
230Travelers Indemnity Company (The)25658CTAdmitted (licensed)$110,9930.00%
231AIG Property Casualty Company19402ILAdmitted (licensed)$107,6630.00%
232Freedom Specialty Insurance Company22209OHAdmitted (licensed)$86,9370.00%
233Sagamore Insurance Company40460INAdmitted (licensed)$50,6150.00%
234Key Risk Insurance Company10885IAAdmitted (licensed)$39,6690.00%
235OBI America Insurance Company15645PAAdmitted (licensed)$34,4510.00%
236Crestbrook Insurance Company18961OHAdmitted (licensed)$33,7660.00%
237National American Insurance Company23663OKAdmitted (licensed)$25,9610.00%
238Petroleum Casualty Company12297TXAdmitted (licensed)$20,6900.00%
239American Fire and Casualty Company24066NHAdmitted (licensed)$20,1000.00%
240Wausau Underwriters Insurance Company26042WIAdmitted (licensed)$10,5580.00%
241Ohio Casualty Insurance Company (The)24074NHAdmitted (licensed)$9,2050.00%
242American National Property and Casualty Company28401NEAdmitted (licensed)$2,5730.00%
243Scottsdale Indemnity Company15580OHAdmitted (licensed)$1,2910.00%
244Frank Winston Crum Insurance Company11600FLAdmitted (licensed)$1,0080.00%
245Westport Insurance Corporation39845MOAdmitted (licensed)$8140.00%
Turned down?

Last resort for workers' compensation in California

Last resortLinesWhereHow to get in
Workers' comp residual marketsworkers' compNCCI pools in 27 jurisdictions; monopolistic state funds in ND, OH, WA, WY; CA State Compensation Insurance Fund is the statutory last resortNCCI online application (ACORD 130 and 133); NCCI's VCAP flags voluntary carriers interested in the risk; NC and MA use their own systems Texas has no residual market (coverage is optional for most Texas employers).Source
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 workers' compensation 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.