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Directory · Colorado · Flood

Who writes flood in Colorado

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

94 insurers are licensed for flood in Colorado on the regulator's list. Liberty Mutual Group wrote the most in 2025 (12.5% of the state's premium).

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

Top 10 · NAIC table: 02.5 - Private Flood

The insurer groups that write the most flood 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
1Liberty Mutual Group$1.7M12.50%3%Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
2Chubb Ltd Group$1.5M11.02%18%Federal Insurance Company, Ace American Insurance Company, Ace Property and Casualty Insurance Company, Chubb Lloyd's Insurance Company of Texas
3American International Group$1.4M10.29%295%National Union Fire Insurance Company of Pittsburgh, Pennsylvania, AIG Property Casualty Company, Lexington Insurance Company, AIU Insurance Company
4Assurant Inc Group$1.4M10.29%—Virginia Surety Company, Inc., American Bankers Insurance Company of Florida, American Security Insurance Company, Standard Guaranty Insurance Company
5Axa Insurance Group$1.4M10.25%9%XL Specialty Insurance Company, XL Insurance America, Inc., Greenwich Insurance Company, |Indian Harbor Insurance Company
6Berkshire Hathaway Group$1.0M7.56%—GEICO General Insurance Company, GEICO Texas County Mutual Insurance Company, GEICO County Mutual Insurance Company, Government Employees Insurance Company
7Swiss Re Group$878,0006.47%11%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
8Allianz Insurance Group$869,0006.40%3%Allianz Global Risks US Insurance Company, Jefferson Insurance Company, Fireman's Fund Insurance Company, AGCS Marine Insurance Company
9Sompo Group$587,0004.33%—American Agri-Business Insurance Company, Endurance Assurance Corporation, Endurance American Insurance Company, Sompo America Insurance Company
10Ms & Ad Insurance Group$471,0003.47%3%Mitsui Sumitomo Insurance Company of America, MS Transverse Insurance Company, MS Transverse Specialty Insurance Company, Mitsui Sumitomo Insurance USA Inc.
Flood · Colorado

The companies

CompanyNAICHome stateStatus hereLines
Acadia Insurance Company31325IAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +8 more
Admiral Indemnity Company44318DEAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +3 more
AIG Property Casualty Company19402ILAdmitted (licensed)Personal auto, Commercial auto, Earthquake +7 more
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
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 Bankers Insurance Company of Florida10111FLAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +6 more
American Casualty Company of Reading, Pennsylvania20427PAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +12 more
American Economy Insurance Company19690INAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +7 more
American Family Mutual Insurance Company, S.I.19275WIAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +9 more
American Home Assurance Company19380NYAdmitted (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 Security Insurance Company42978DEAdmitted (licensed)Flood, Homeowners, Inland marine +2 more
American Strategic Insurance Corporation10872INAdmitted (licensed)Flood, Homeowners, Inland marine +2 more
Arch Insurance (UK) Limited11150MOAdmitted (licensed)Aircraft and aviation, Personal auto, Equipment breakdown +13 more
Auto-Owners Insurance Company18988MIAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +10 more
Bankers Insurance Company33162FLAdmitted (licensed)Flood, Surety bonds
Bankers Standard Insurance Company18279PAAdmitted (licensed)Personal auto, Equipment breakdown, Crime (burglary and theft) +7 more
Berkley Assurance Company32603DEAdmitted (licensed)Personal auto, Crime (burglary and theft), Fidelity bonds +8 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
Cincinnati Casualty Company (The)28665OHAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +11 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
CRUM \u0026 FORSTER INDEMNITY COMPANY31348DEAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +6 more
CSAA General Insurance Company37770INAdmitted (licensed)Personal auto, Earthquake, Flood +4 more
Cumis Insurance Society Incorporated10847IAAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +5 more
Depositors Insurance Company42587IAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +7 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
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
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
Firemen's Insurance Company of Washington, D. C.21784IAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +7 more
First Liberty Insurance Corporation (The)33588ILAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +5 more
Foremost Insurance Company Grand Rapids, Michigan11185MIAdmitted (licensed)Personal auto, Commercial package (BOP, CMP), Fidelity bonds +7 more
General Casualty Company of Wisconsin24414WIAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +10 more
General Insurance Company of America24732NHAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +5 more
Granite State Insurance Company23809ILAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +7 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 Fire Insurance Company19682CTAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +13 more
Hartford Insurance Company of the Midwest37478INAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +5 more
Homesite Indemnity Company20419MAAdmitted (licensed)Flood, Homeowners
Illinois National Insurance Company23817ILAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +7 more
Integon National Insurance Company29742ILAdmitted (licensed)Personal auto, Commercial auto, Flood +2 more
Intrepid Insurance Company10749IAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +5 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
Massachusetts Bay Insurance Company22306NHAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +7 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
Mitsui Sumitomo Insurance Company of America20362NYAdmitted (licensed)Aircraft and aviation, Personal auto, Equipment breakdown +8 more
National Casualty Company11991OHAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +13 more
National Fire Insurance Company of Hartford20478ILAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +10 more
National General Insurance Company23728ILAdmitted (licensed)Personal auto, Commercial package (BOP, CMP), Flood +1 more
National Union Fire Insurance Company of Pittsburgh, Pennsylvania19445PAAdmitted (licensed)Aircraft and aviation, Personal auto, Equipment breakdown +16 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 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 River Insurance Company (The)21105NJAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +8 more
Owners Insurance Company32700OHAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +9 more
Philadelphia Indemnity Insurance Company18058PAAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +11 more
Privilege Underwriters Reciprocal Exchange, PURE Risk Mgt, Atty-in-Fact12873FLAdmitted (licensed)Personal auto, Flood, Homeowners +3 more
QBE Insurance (Europe) Limited39217PAAdmitted (licensed)Aircraft and aviation, Personal auto, Equipment breakdown +18 more
Safeco Insurance Company of America24740NHAdmitted (licensed)Personal auto, Commercial package (BOP, CMP), Flood +6 more
Selective Insurance Company of New York13730NYAdmitted (licensed)Flood
Sentry Insurance Company24988WIAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +11 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
StarNet Insurance Company40045IAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +11 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
Transportation Insurance Company20494ILAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +10 more
Union Insurance Company25844IAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +7 more
United States Fire Insurance Company21113DEAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +10 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
Westport Insurance Corporation39845MOAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +8 more
Wright National Flood Insurance Company11523TXAdmitted (licensed)Flood
XL Insurance America, Inc.24554DEAdmitted (licensed)Aircraft and aviation, Personal auto, Equipment breakdown +9 more
Turned down?

Last resort for flood 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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