
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
The companies
| Company | NAIC | Home state | Status here | Lines |
|---|---|---|---|---|
| Acadia Insurance Company | 31325 | IA | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +8 more |
| Admiral Indemnity Company | 44318 | DE | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +3 more |
| AIG Property Casualty Company | 19402 | IL | Admitted (licensed) | Personal auto, Commercial auto, Earthquake +7 more |
| Allianz Global Risks US Insurance Company | 35300 | IL | Admitted (licensed) | Aircraft and aviation, Equipment breakdown, Crime (burglary and theft) +6 more |
| Allied Insurance Company of America | 10127 | OH | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +5 more |
| Allstate Insurance Company | 19232 | IL | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +8 more |
| AMCO Insurance Company | 19100 | IA | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +11 more |
| American Bankers Insurance Company of Florida | 10111 | FL | Admitted (licensed) | Personal auto, Commercial auto, Commercial package (BOP, CMP) +6 more |
| American Casualty Company of Reading, Pennsylvania | 20427 | PA | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +12 more |
| American Economy Insurance Company | 19690 | IN | Admitted (licensed) | Personal auto, Commercial auto, Commercial package (BOP, CMP) +7 more |
| American Family Mutual Insurance Company, S.I. | 19275 | WI | Admitted (licensed) | Personal auto, Commercial auto, Commercial package (BOP, CMP) +9 more |
| American Home Assurance Company | 19380 | NY | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +9 more |
| American National Property and Casualty Company | 28401 | NE | Admitted (licensed) | Aircraft and aviation, Personal auto, Commercial auto +9 more |
| American Security Insurance Company | 42978 | DE | Admitted (licensed) | Flood, Homeowners, Inland marine +2 more |
| American Strategic Insurance Corporation | 10872 | IN | Admitted (licensed) | Flood, Homeowners, Inland marine +2 more |
| Arch Insurance (UK) Limited | 11150 | MO | Admitted (licensed) | Aircraft and aviation, Personal auto, Equipment breakdown +13 more |
| Auto-Owners Insurance Company | 18988 | MI | Admitted (licensed) | Personal auto, Commercial auto, Commercial package (BOP, CMP) +10 more |
| Bankers Insurance Company | 33162 | FL | Admitted (licensed) | Flood, Surety bonds |
| Bankers Standard Insurance Company | 18279 | PA | Admitted (licensed) | Personal auto, Equipment breakdown, Crime (burglary and theft) +7 more |
| Berkley Assurance Company | 32603 | DE | Admitted (licensed) | Personal auto, Crime (burglary and theft), Fidelity bonds +8 more |
| Berkley National Insurance Company | 38911 | IA | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +8 more |
| Berkley Regional Insurance Company | 29580 | IA | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +9 more |
| Berkshire Hathaway Direct Insurance Company | 10391 | NE | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +7 more |
| Cincinnati Casualty Company (The) | 28665 | OH | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +11 more |
| Cincinnati Insurance Company (The) | 10677 | OH | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +13 more |
| Citizens Insurance Company of America | 31534 | MI | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +9 more |
| Continental Casualty Company | 20443 | IL | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +14 more |
| Continental Insurance Company, (The) | 35289 | PA | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +12 more |
| Continental Western Insurance Company | 10804 | IA | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +7 more |
| Crestbrook Insurance Company | 18961 | OH | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +10 more |
| CRUM \u0026 FORSTER INDEMNITY COMPANY | 31348 | DE | Admitted (licensed) | Personal auto, Commercial auto, Commercial package (BOP, CMP) +6 more |
| CSAA General Insurance Company | 37770 | IN | Admitted (licensed) | Personal auto, Earthquake, Flood +4 more |
| Cumis Insurance Society Incorporated | 10847 | IA | Admitted (licensed) | Personal auto, Commercial auto, Commercial package (BOP, CMP) +5 more |
| Depositors Insurance Company | 42587 | IA | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +7 more |
| EMCASCO Insurance Company | 21407 | IA | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +7 more |
| Employers Insurance Company of Wausau | 21458 | WI | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +8 more |
| EMPLOYERS MUTUAL CASUALTY COMPANY Employers Mutual Casualty Company) | 21415 | IA | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +10 more |
| Farmers Property and Casualty Insurance Company | 26298 | RI | Admitted (licensed) | Personal auto, Commercial package (BOP, CMP), Earthquake +4 more |
| Federal Insurance Company | 20281 | IN | Admitted (licensed) | Aircraft and aviation, Personal auto, Equipment breakdown +14 more |
| Fire Insurance Exchange Fire Underwriters Association | 21660 | CA | Admitted (licensed) | Commercial package (BOP, CMP), Earthquake, Flood +4 more |
| Fireman's Fund Insurance Company | 21873 | IL | Admitted (licensed) | Aircraft and aviation, Personal auto, Equipment breakdown +13 more |
| Firemen's Insurance Company of Washington, D. C. | 21784 | IA | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +7 more |
| First Liberty Insurance Corporation (The) | 33588 | IL | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +5 more |
| Foremost Insurance Company Grand Rapids, Michigan | 11185 | MI | Admitted (licensed) | Personal auto, Commercial package (BOP, CMP), Fidelity bonds +7 more |
| General Casualty Company of Wisconsin | 24414 | WI | Admitted (licensed) | Personal auto, Commercial auto, Commercial package (BOP, CMP) +10 more |
| General Insurance Company of America | 24732 | NH | Admitted (licensed) | Personal auto, Commercial auto, Commercial package (BOP, CMP) +5 more |
| Granite State Insurance Company | 23809 | IL | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +7 more |
| Hanover American Insurance Company (The) | 36064 | NH | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +8 more |
| Hanover Insurance Company (The) | 22292 | NH | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +11 more |
| Hartford Fire Insurance Company | 19682 | CT | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +13 more |
| Hartford Insurance Company of the Midwest | 37478 | IN | Admitted (licensed) | Personal auto, Commercial auto, Commercial package (BOP, CMP) +5 more |
| Homesite Indemnity Company | 20419 | MA | Admitted (licensed) | Flood, Homeowners |
| Illinois National Insurance Company | 23817 | IL | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +7 more |
| Integon National Insurance Company | 29742 | IL | Admitted (licensed) | Personal auto, Commercial auto, Flood +2 more |
| Intrepid Insurance Company | 10749 | IA | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +5 more |
| L M Insurance Corporation | 33600 | IL | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +8 more |
| Liberty Mutual Fire Insurance Company | 23035 | WI | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +11 more |
| Liberty Mutual Insurance Company | 42404 | IL | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +8 more |
| Massachusetts Bay Insurance Company | 22306 | NH | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +7 more |
| Middlesex Insurance Company | 23434 | WI | Admitted (licensed) | Personal auto, Commercial auto, Crime (burglary and theft) +7 more |
| Midwest Family Mutual Insurance Company | 23574 | IA | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +7 more |
| Mitsui Sumitomo Insurance Company of America | 20362 | NY | Admitted (licensed) | Aircraft and aviation, Personal auto, Equipment breakdown +8 more |
| National Casualty Company | 11991 | OH | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +13 more |
| National Fire Insurance Company of Hartford | 20478 | IL | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +10 more |
| National General Insurance Company | 23728 | IL | Admitted (licensed) | Personal auto, Commercial package (BOP, CMP), Flood +1 more |
| National Union Fire Insurance Company of Pittsburgh, Pennsylvania | 19445 | PA | Admitted (licensed) | Aircraft and aviation, Personal auto, Equipment breakdown +16 more |
| Nationwide Agribusiness Insurance Company | 28223 | IA | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +11 more |
| Nationwide General Insurance Company | 23760 | OH | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +9 more |
| Nationwide Mutual Insurance Company | 10723 | OH | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +7 more |
| Nationwide Mutual Insurance Company | 23787 | OH | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +14 more |
| Nationwide Property and Casualty Insurance Company | 37877 | OH | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +9 more |
| New Hampshire Insurance Company | 23841 | IL | Admitted (licensed) | Aircraft and aviation, Personal auto, Equipment breakdown +10 more |
| North River Insurance Company (The) | 21105 | NJ | Admitted (licensed) | Personal auto, Commercial auto, Commercial package (BOP, CMP) +8 more |
| Owners Insurance Company | 32700 | OH | Admitted (licensed) | Personal auto, Commercial auto, Commercial package (BOP, CMP) +9 more |
| Philadelphia Indemnity Insurance Company | 18058 | PA | Admitted (licensed) | Personal auto, Commercial auto, Commercial package (BOP, CMP) +11 more |
| Privilege Underwriters Reciprocal Exchange, PURE Risk Mgt, Atty-in-Fact | 12873 | FL | Admitted (licensed) | Personal auto, Flood, Homeowners +3 more |
| QBE Insurance (Europe) Limited | 39217 | PA | Admitted (licensed) | Aircraft and aviation, Personal auto, Equipment breakdown +18 more |
| Safeco Insurance Company of America | 24740 | NH | Admitted (licensed) | Personal auto, Commercial package (BOP, CMP), Flood +6 more |
| Selective Insurance Company of New York | 13730 | NY | Admitted (licensed) | Flood |
| Sentry Insurance Company | 24988 | WI | Admitted (licensed) | Personal auto, Commercial auto, Commercial package (BOP, CMP) +11 more |
| SOMPO AMERICA FIRE \u0026 MARINE INSURANCE COMPANY | 38997 | NY | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +6 more |
| Sompo America Insurance Company | 11126 | NY | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +8 more |
| StarNet Insurance Company | 40045 | IA | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +11 more |
| Swiss Re Corporate Solutions America Insurance Corporation | 29874 | MO | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +9 more |
| Swiss Re Corporate Solutions Elite Insurance Corporation | 29700 | MO | Admitted (licensed) | Aircraft and aviation, Personal auto, Equipment breakdown +7 more |
| Transportation Insurance Company | 20494 | IL | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +10 more |
| Union Insurance Company | 25844 | IA | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +7 more |
| United States Fire Insurance Company | 21113 | DE | Admitted (licensed) | Personal auto, Commercial auto, Commercial package (BOP, CMP) +10 more |
| USAA General Indemnity Company | 18600 | TX | Admitted (licensed) | Personal auto, Earthquake, Flood +4 more |
| Valley Forge Insurance Company | 20508 | PA | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +8 more |
| Verlan Fire Insurance Company | 10815 | NH | Admitted (licensed) | Equipment breakdown, Earthquake, Flood +2 more |
| Westport Insurance Corporation | 39845 | MO | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +8 more |
| Wright National Flood Insurance Company | 11523 | TX | Admitted (licensed) | Flood |
| XL Insurance America, Inc. | 24554 | DE | Admitted (licensed) | Aircraft and aviation, Personal auto, Equipment breakdown +9 more |
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.
Open to use. Cite "Alishahi Insurance insurance company directory" and link here. CSV · JSON.
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.
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.