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Directory · Colorado · Earthquake

Who writes earthquake in Colorado

From the Colorado company list; alphabetical, since Colorado doesn't publish every company's premium by line.

178 insurers are licensed for earthquake in Colorado on the regulator's list. Chubb Ltd Group wrote the most in 2025 (18.1% of the state's premium).

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

Top 10 · NAIC table: 12 - Earthquake

The insurer groups that write the most earthquake in Colorado

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
1Chubb Ltd Group$3.8M18.09%0%Federal Insurance Company, Ace American Insurance Company, Ace Property and Casualty Insurance Company, Chubb Lloyd's Insurance Company of Texas
2Swiss Re Group$1.9M8.98%0%Swiss Re Corporate Solutions Elite Insurance Corporation, Swiss Re Corporate Solutions America Insurance Corporation, Swiss Re Corporate Solutions Capacity Insurance Corporation, Swiss Re Corporate Solutuions Premier Insurance Corporation
3American International Group$1.8M8.70%—National Union Fire Insurance Company of Pittsburgh, Pennsylvania, AIG Property Casualty Company, Lexington Insurance Company, AIU Insurance Company
4United Serv Automobile Assn Group$1.6M7.54%—United Services Automobile Association, USAA Reciprocal, Attorney-in-fact, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company
5Axa Insurance Group$1.3M6.10%3%XL Specialty Insurance Company, XL Insurance America, Inc., Greenwich Insurance Company, |Indian Harbor Insurance Company
6Berkshire Hathaway Group$1.1M5.38%—GEICO General Insurance Company, GEICO Texas County Mutual Insurance Company, GEICO County Mutual Insurance Company, Government Employees Insurance Company
7Sompo Group$953,0004.56%—American Agri-Business Insurance Company, Endurance Assurance Corporation, Endurance American Insurance Company, Sompo America Insurance Company
8Allianz Insurance Group$837,0004.00%185%Allianz Global Risks US Insurance Company, Jefferson Insurance Company, Fireman's Fund Insurance Company, AGCS Marine Insurance Company
9State Farm Group$773,0003.69%0%State Farm Mutual Automobile Insurance Company, State Farm Fire and Casualty Company, State Farm Lloyds, State Farm General Insurance Company
10Tiptree Financial Group$503,0002.40%32%Lyndon Southern Insurance Company, Response Indemnity Company of California, Fortegra Specialty Insurance Company, Insurance Company of the South
Earthquake · Colorado

The companies

CompanyNAICHome stateStatus hereLines
360 Insurance Company13686WYAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +7 more
Ace American Insurance Company22667PAAdmitted (licensed)Aircraft and aviation, Personal auto, Equipment breakdown +15 more
Addison Insurance Company10324IAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +6 more
Affiliated F M Insurance Company10014RIAdmitted (licensed)Equipment breakdown, Earthquake, Homeowners +4 more
AIG Property Casualty Company19402ILAdmitted (licensed)Personal auto, Commercial auto, Earthquake +7 more
Alliance Insurance Company, Inc.19186KSAdmitted (licensed)Earthquake, Homeowners, Inland marine
Allianz Global Risks US Insurance Company35300ILAdmitted (licensed)Aircraft and aviation, Equipment breakdown, Crime (burglary and theft) +6 more
Allied Insurance Company of America10127OHAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +5 more
Allied Property and Casualty Insurance Company42579IAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +7 more
Allied World Specialty Insurance Company16624DEAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +11 more
Allmerica Financial Benefit Insurance Company41840MIAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +7 more
Allstate Insurance Company19232ILAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +8 more
AMCO Insurance Company19100IAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +11 more
American Alternative Insurance Corporation19720DEAdmitted (licensed)Aircraft and aviation, Personal auto, Commercial auto +12 more
American Casualty Company of Reading, Pennsylvania20427PAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +12 more
American Family Insurance Company10386WIAdmitted (licensed)Personal auto, Commercial package (BOP, CMP), Earthquake +5 more
American Family Mutual Insurance Company, S.I.19275WIAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +9 more
American Guarantee and Liability Insurance Company26247NYAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +9 more
American National Property and Casualty Company28401NEAdmitted (licensed)Aircraft and aviation, Personal auto, Commercial auto +9 more
American Select Insurance Company19992OHAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +10 more
American Zurich Insurance Company40142ILAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +8 more
Amica Mutual Insurance Company, The19976RIAdmitted (licensed)Personal auto, Earthquake, Homeowners +4 more
Arch Insurance (UK) Limited11150MOAdmitted (licensed)Aircraft and aviation, Personal auto, Equipment breakdown +13 more
Aspen American Insurance Company43460TXAdmitted (licensed)Equipment breakdown, Commercial package (BOP, CMP), Earthquake +9 more
Atlantic Specialty Insurance Company27154NYAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +13 more
Auto-Owners Insurance Company18988MIAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +10 more
Automobile Insurance Company of Hartford, Connecticut (The)19062CTAdmitted (licensed)Commercial package (BOP, CMP), Crime (burglary and theft), Earthquake +6 more
AXIS Insurance Company37273ILAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +9 more
AXIS Reinsurance Company20370NYAdmitted (licensed)Equipment breakdown, Earthquake, General liability +1 more
Bankers Standard Insurance Company18279PAAdmitted (licensed)Personal auto, Equipment breakdown, Crime (burglary and theft) +7 more
Berkley National Insurance Company38911IAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +8 more
Berkley Regional Insurance Company29580IAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +9 more
Berkshire Hathaway Direct Insurance Company10391NEAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +7 more
Berkshire Hathaway Specialty Insurance Company22276NEAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +11 more
Central Insurance Company20230OHAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +9 more
Charter Oak Fire Insurance Company, (The)25615CTAdmitted (licensed)Aircraft and aviation, Personal auto, Equipment breakdown +11 more
Chubb National Insurance Company10052INAdmitted (licensed)Aircraft and aviation, Personal auto, Equipment breakdown +10 more
Cincinnati Casualty Company (The)28665OHAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +11 more
Cincinnati Indemnity Company (The)23280OHAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +9 more
Cincinnati Insurance Company (The)10677OHAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +13 more
Citizens Insurance Company of America31534MIAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +9 more
Continental Casualty Company20443ILAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +14 more
Continental Insurance Company, (The)35289PAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +12 more
Continental Western Insurance Company10804IAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +7 more
Crestbrook Insurance Company18961OHAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +10 more
CSAA General Insurance Company37770INAdmitted (licensed)Personal auto, Earthquake, Flood +4 more
Depositors Insurance Company42587IAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +7 more
Economy Premier Assurance Company40649ILAdmitted (licensed)Personal auto, Earthquake, Homeowners +2 more
EMC PROPERTY \u0026 CASUALTY COMPANY25186IAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +5 more
EMCASCO Insurance Company21407IAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +7 more
Employers Insurance Company of Wausau21458WIAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +8 more
EMPLOYERS MUTUAL CASUALTY COMPANY Employers Mutual Casualty Company)21415IAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +10 more
Endurance American Insurance Company10641DEAdmitted (licensed)Aircraft and aviation, Equipment breakdown, Commercial package (BOP, CMP) +6 more
Executive Risk Indemnity, Inc.35181DEAdmitted (licensed)Personal auto, Equipment breakdown, Crime (burglary and theft) +6 more
Factory Mutual Insurance Company21482RIAdmitted (licensed)Equipment breakdown, Earthquake, Inland marine +1 more
Farmers Alliance Mutual Insurance Company19194KSAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +9 more
Farmers Casualty Insurance Company40169RIAdmitted (licensed)Personal auto, Earthquake, Homeowners +2 more
Farmers Direct Property and Casualty Insurance Company25321RIAdmitted (licensed)Personal auto, Earthquake, Homeowners +2 more
Farmers Insurance Exchange21652CAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +7 more
Farmers Property and Casualty Insurance Company26298RIAdmitted (licensed)Personal auto, Commercial package (BOP, CMP), Earthquake +4 more
Federal Insurance Company20281INAdmitted (licensed)Aircraft and aviation, Personal auto, Equipment breakdown +14 more
Federated Mutual Insurance Company13935MNAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +9 more
Federated Reserve Insurance Company16024MNAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +8 more
Federated Service Insurance Company28304MNAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +8 more
Fidelity and Deposit Company of Maryland (The)39306ILAdmitted (licensed)Equipment breakdown, Commercial package (BOP, CMP), Crime (burglary and theft) +8 more
Fidelity and Guaranty Insurance Company35386IAAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +9 more
Fire Insurance Exchange Fire Underwriters Association21660CAAdmitted (licensed)Commercial package (BOP, CMP), Earthquake, Flood +4 more
Fireman's Fund Insurance Company21873ILAdmitted (licensed)Aircraft and aviation, Personal auto, Equipment breakdown +13 more
First Liberty Insurance Corporation (The)33588ILAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +5 more
Garrison Property and Casualty Insurance Company21253TXAdmitted (licensed)Personal auto, Commercial package (BOP, CMP), Earthquake +5 more
General Casualty Company of Wisconsin24414WIAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +10 more
Granite State Insurance Company23809ILAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +7 more
Great American Alliance Insurance Company26832OHAdmitted (licensed)Aircraft and aviation, Personal auto, Equipment breakdown +11 more
Great American Assurance Company26344OHAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +11 more
Great American Insurance Company16691OHAdmitted (licensed)Aircraft and aviation, Personal auto, Equipment breakdown +14 more
Great American Insurance Company of New York22136NYAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +9 more
Great Northern Insurance Company20303INAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +10 more
Hanover American Insurance Company (The)36064NHAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +8 more
Hanover Insurance Company (The)22292NHAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +11 more
Hartford Accident and Indemnity Company22357CTAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +8 more
Hartford Insurance Company of the Southeast38261CTAdmitted (licensed)Personal auto, Earthquake, Homeowners +3 more
Hartford Underwriters Insurance Company30104CTAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +7 more
Homesite Insurance Company17221MAAdmitted (licensed)Earthquake, Homeowners, Commercial property (fire and allied lines)
Horace Mann Insurance Company22578ILAdmitted (licensed)Personal auto, Earthquake, Homeowners +3 more
HORACE MANN PROPERTY \u0026 CASUALTY INSURANCE COMPANY22756ILAdmitted (licensed)Personal auto, Earthquake, Homeowners +2 more
Illinois National Insurance Company23817ILAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +7 more
Insurance Company of the West27847CAAdmitted (licensed)Earthquake, Inland marine, Workers' compensation
Ironshore Indemnity, Inc.23647ILAdmitted (licensed)Personal auto, Commercial package (BOP, CMP), Earthquake +2 more
L M Insurance Corporation33600ILAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +8 more
Liberty Mutual Fire Insurance Company23035WIAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +11 more
Liberty Mutual Insurance Company42404ILAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +8 more
Liberty Mutual Insurance Company23043MAAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +12 more
Liberty Mutual Personal Insurance Company12484NHAdmitted (licensed)Personal auto, Earthquake, Homeowners +2 more
Lyndon Southern Insurance Company10051DEAdmitted (licensed)Aircraft and aviation, Equipment breakdown, Commercial package (BOP, CMP) +5 more
Massachusetts Bay Insurance Company22306NHAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +7 more
Mid-Century Insurance Company21687CAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +5 more
Middlesex Insurance Company23434WIAdmitted (licensed)Personal auto, Commercial auto, Crime (burglary and theft) +7 more
Midwest Family Mutual Insurance Company23574IAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +7 more
Mountain States Indemnity Company10177NMAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +6 more
National Farmers Union Property and Casualty Company16217ILAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +7 more
National Fire Insurance Company of Hartford20478ILAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +10 more
National Union Fire Insurance Company of Pittsburgh, Pennsylvania19445PAAdmitted (licensed)Aircraft and aviation, Personal auto, Equipment breakdown +16 more
Nationwide Affinity Insurance Company of America26093OHAdmitted (licensed)Personal auto, Commercial package (BOP, CMP), Earthquake +4 more
Nationwide Agribusiness Insurance Company28223IAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +11 more
Nationwide General Insurance Company23760OHAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +9 more
Nationwide Insurance Company of America25453OHAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +8 more
Nationwide Mutual Insurance Company10723OHAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +7 more
Nationwide Mutual Insurance Company23787OHAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +14 more
Nationwide Property and Casualty Insurance Company37877OHAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +9 more
New Hampshire Insurance Company23841ILAdmitted (licensed)Aircraft and aviation, Personal auto, Equipment breakdown +10 more
North Pointe Insurance Company27740PAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +7 more
North River Insurance Company (The)21105NJAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +8 more
Ohio Farmers Insurance Company24104OHAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +6 more
Ohio Security Insurance Company24082NHAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +8 more
Old Guard Insurance Company17558OHAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +8 more
Owners Insurance Company32700OHAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +9 more
Pacific Indemnity Company20346DEAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +10 more
Peerless Indemnity Insurance Company18333ILAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +6 more
Pennsylvania Lumbermen's Mutual Insurance Company14974PAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +6 more
Pharmacists Mutual Insurance Company13714IAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +8 more
Phoenix Insurance Company, (The)25623CTAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +8 more
Praetorian Insurance Company37257PAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +9 more
Property and Casualty Insurance Company of Hartford34690INAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +6 more
QBE Insurance (Europe) Limited39217PAAdmitted (licensed)Aircraft and aviation, Personal auto, Equipment breakdown +18 more
Regent Insurance Company24449WIAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +9 more
Riverport Insurance Company36684IAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +7 more
RLI Insurance Company13056ILAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +7 more
RSUI Indemnity Company22314NHAdmitted (licensed)Earthquake, Inland marine, General liability +1 more
SECURA Insurance Company22543WIAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +10 more
SECURA Supreme Insurance Company10239WIAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +10 more
Security National Insurance Company19879DEAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +9 more
Sentry Insurance Company24988WIAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +11 more
Sentry Select Insurance Company21180WIAdmitted (licensed)Personal auto, Commercial auto, Crime (burglary and theft) +7 more
Shelter General Insurance Company23361MOAdmitted (licensed)Personal auto, Commercial auto, Crime (burglary and theft) +3 more
Shelter Mutual Insurance Company23388MOAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +7 more
SOMPO AMERICA FIRE \u0026 MARINE INSURANCE COMPANY38997NYAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +6 more
Sompo America Insurance Company11126NYAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +8 more
St. Paul Guardian Insurance Company24775CTAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +9 more
Standard Fire Insurance Company (The)19070CTAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +10 more
STATE AUTO PROPERTY \u0026 CASUALTY INSURANCE COMPANY25127IAAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +5 more
State Automobile Mutual Insurance Company25135OHAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +10 more
State Farm Fire and Casualty Company25143ILAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +10 more
Stillwater Property and Casualty Insurance Company16578NYAdmitted (licensed)Crime (burglary and theft), Earthquake, Homeowners +3 more
Swiss Re Corporate Solutions America Insurance Corporation29874MOAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +9 more
Swiss Re Corporate Solutions Elite Insurance Corporation29700MOAdmitted (licensed)Aircraft and aviation, Personal auto, Equipment breakdown +7 more
Teachers Insurance Company22683ILAdmitted (licensed)Personal auto, Earthquake, Homeowners +2 more
TransGuard Insurance Company of America, Inc.28886ILAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +6 more
Transportation Insurance Company20494ILAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +10 more
Travelers Commercial Insurance Company36137CTAdmitted (licensed)Personal auto, Commercial package (BOP, CMP), Earthquake +3 more
Travelers Home and Marine Insurance Company (The)27998CTAdmitted (licensed)Personal auto, Earthquake, Homeowners +3 more
Travelers Indemnity Company (The)25658CTAdmitted (licensed)Aircraft and aviation, Personal auto, Equipment breakdown +14 more
Travelers Indemnity Company of America (The)25666CTAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +11 more
Travelers Personal Insurance Company38130CTAdmitted (licensed)Earthquake, Homeowners, Inland marine +2 more
Travelers Property Casualty Company of America25674CTAdmitted (licensed)Aircraft and aviation, Personal auto, Equipment breakdown +13 more
Truck Insurance Exchange21709CAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +9 more
Trumbull Insurance Company27120CTAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +6 more
Twin City Fire Insurance Company (The)29459INAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +8 more
Union Insurance Company of Providence21423IAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +5 more
UNITED FIRE \u0026 CASUALTY COMPANY13021IAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +11 more
United Services Automobile Association, USAA Reciprocal, Attorney-in-fact25941TXAdmitted (licensed)Personal auto, Earthquake, Homeowners +4 more
United States Fire Insurance Company21113DEAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +10 more
USAA Casualty Insurance Company25968TXAdmitted (licensed)Personal auto, Earthquake, Homeowners +4 more
USAA General Indemnity Company18600TXAdmitted (licensed)Personal auto, Earthquake, Flood +4 more
Valley Forge Insurance Company20508PAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +8 more
Verlan Fire Insurance Company10815NHAdmitted (licensed)Equipment breakdown, Earthquake, Flood +2 more
Vigilant Insurance Company20397NYAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +11 more
Wesco Insurance Company25011DEAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +9 more
West American Insurance Company44393INAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +8 more
Westchester Fire Insurance Company10030PAAdmitted (licensed)Aircraft and aviation, Personal auto, Equipment breakdown +10 more
Westfield Champion Insurance Company16447OHAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +8 more
Westfield Insurance Company24112OHAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +11 more
Westfield National Insurance Company24120OHAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +10 more
Westfield Premier Insurance Company16450OHAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +8 more
Westfield Superior Insurance Company16449OHAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +8 more
Westfield Touchstone Insurance Company16448OHAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +8 more
XL Insurance America, Inc.24554DEAdmitted (licensed)Aircraft and aviation, Personal auto, Equipment breakdown +9 more
XL Specialty Insurance Company37885DEAdmitted (licensed)Aircraft and aviation, Personal auto, Equipment breakdown +12 more
Zurich American Insurance Company16535NYAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +14 more
Turned down?

Last resort for earthquake in Colorado

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 Colorado insurance regulator company list, read 2026-10-18 and the surplus lines list. ADMITTED = Colorado 2025 Insurance Industry Statistical Report (CY2024 data), sheet 'NAIC Companies' (every NAIC-coded company filing with the CO Division of Insurance, 1839 companies) joined to 'NAIC Companies Data' (type) and the 63 line-of-business sheets (lines written in CO + Lic flag). Lic flag per line sheet, consistent per company across sheets (0 conflicts): Y = licensed/admitted, S = surplus lines, N = not licensed, N/A = not applicable. Cross-check: 125/127 Lic=S companies are on the DOI eligible-nonadmitted PDF and 0 Lic=Y companies are. 'admitted' holds Lic=Y (1169) plus 281 companies that file with the CO DOI but wrote no CO premium in CY2024 (no Lic flag; lic='') and are not on the surplus PDF. 'not_admitted' (extra key, 456 rows, same row shape) holds Lic=S/N/N/A companies and no-premium companies that are on the surplus PDF. Row extras: lic (flag as given), group (NAIC group number stripped from the name). 'type' as given: Company Filing Statement Type / Business Type / Business Sub Type Statement Type: P = Property L = Life X = Health Business Type: F = Fraternal G = Other L = Life P = Property R = Risk T = Title X = Health Business Sub Type: HI = Hospital,Medical,Dental or Indemnity HM = Health Maintainance Org LH = Limited Health Service Org N = None PD = Prepaid Dental. Life/health/title companies are included (filter on type: first letter P = property/casualty statement, L = life, X = health; 'P/R/N' = risk retention group, 'T/T/N' = title). 'lines' = CO line-of-business sheets the company reported premium on in CY2024 (not lines of authority; a licensed company with no CO premium has lines=[]). 'since' is not in the source (left ''). Names are NAIC-style abbreviations. 74 companies appear in line sheets but not in the master list (mostly N/N/A). SURPLUS_LINES = DOI 'Colorado Eligible Nonadmitted Insurers Writing Surplus Lines' PDF, effective July 1, 2026, updated 9/16/26; 261 rows (227 NAIC-coded + 34 alien with AA- codes; naic='' and aa_code set for aliens). Colorado has no stamping office. PDF has no domicile column: domicile filled from the statistical report master list where the NAIC code matches (213 of 227). eligible = list effective date, not the insurer's first-eligible date. Prior-year reports: https://doi.colorado.gov/colorado-insurance-industry-statistical-report. "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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