
Who writes umbrella and excess in Colorado
From the Colorado company list; alphabetical, since Colorado doesn't publish every company's premium by line.
42 insurers are licensed for umbrella and excess in Colorado on the regulator's list.
By Sam Alishahi, independent insurance broker · All lines in Colorado
The companies
| Company | NAIC | Home state | Status here | Lines |
|---|---|---|---|---|
| Ace American Insurance Company | 22667 | PA | Admitted (licensed) | Aircraft and aviation, Personal auto, Equipment breakdown +15 more |
| American Alternative Insurance Corporation | 19720 | DE | Admitted (licensed) | Aircraft and aviation, Personal auto, Commercial auto +12 more |
| American Guarantee and Liability Insurance Company | 26247 | NY | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +9 more |
| Arch Insurance (UK) Limited | 11150 | MO | Admitted (licensed) | Aircraft and aviation, Personal auto, Equipment breakdown +13 more |
| Continental Casualty Company | 20443 | IL | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +14 more |
| Everest National Insurance Company | 10120 | DE | Admitted (licensed) | Personal auto, Commercial auto, Commercial package (BOP, CMP) +9 more |
| Federal Insurance Company | 20281 | IN | Admitted (licensed) | Aircraft and aviation, Personal auto, Equipment breakdown +14 more |
| Fidelity and Guaranty Insurance Company | 35386 | IA | Admitted (licensed) | Personal auto, Commercial auto, Commercial package (BOP, CMP) +9 more |
| Fidelity and Guaranty Insurance Underwriters, Inc. | 25879 | WI | Admitted (licensed) | Personal auto, Commercial auto, Commercial package (BOP, CMP) +3 more |
| General Reinsurance Corporation | 22039 | DE | Admitted (licensed) | General liability, Umbrella and excess, Workers' compensation |
| Great Northern Insurance Company | 20303 | IN | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +10 more |
| Hartford Casualty Insurance Company | 29424 | IN | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +9 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 |
| National Union Fire Insurance Company of Pittsburgh, Pennsylvania | 19445 | PA | Admitted (licensed) | Aircraft and aviation, Personal auto, Equipment breakdown +16 more |
| New York Marine and General Insurance Company | 16608 | NY | Admitted (licensed) | Aircraft and aviation, Personal auto, Equipment breakdown +10 more |
| Old Republic Insurance Company | 24147 | PA | Admitted (licensed) | Aircraft and aviation, Personal auto, Commercial auto +8 more |
| Pacific Indemnity Company | 20346 | DE | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +10 more |
| Praetorian Insurance Company | 37257 | PA | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +9 more |
| QBE Insurance (Europe) Limited | 39217 | PA | Admitted (licensed) | Aircraft and aviation, Personal auto, Equipment breakdown +18 more |
| Republic Indemnity Company of America | 22179 | CA | Admitted (licensed) | Umbrella and excess, Workers' compensation |
| RepWest Insurance Company | 31089 | AZ | Admitted (licensed) | Personal auto, Commercial auto, Inland marine +3 more |
| Safety National Casualty Corporation | 15105 | MO | Admitted (licensed) | Personal auto, Commercial auto, Commercial package (BOP, CMP) +4 more |
| Sentry Casualty Company | 28460 | WI | Admitted (licensed) | Umbrella and excess, Workers' compensation |
| Sentry Insurance Company | 24988 | WI | Admitted (licensed) | Personal auto, Commercial auto, Commercial package (BOP, CMP) +11 more |
| St. Paul Fire and Marine Insurance Company | 24767 | CT | Admitted (licensed) | Aircraft and aviation, Personal auto, Commercial auto +12 more |
| St. Paul Guardian Insurance Company | 24775 | CT | Admitted (licensed) | Personal auto, Commercial auto, Commercial package (BOP, CMP) +9 more |
| St. Paul Mercury Insurance Company | 24791 | CT | Admitted (licensed) | Personal auto, Commercial auto, Commercial package (BOP, CMP) +10 more |
| St. Paul Protective Insurance Company | 19224 | CT | Admitted (licensed) | Personal auto, Commercial auto, Commercial package (BOP, CMP) +3 more |
| Star Insurance Company | 18023 | MI | Admitted (licensed) | Aircraft and aviation, Personal auto, Commercial auto +7 more |
| State National Insurance Company, Inc. | 12831 | TX | Admitted (licensed) | Aircraft and aviation, Personal auto, Commercial auto +12 more |
| Swiss Re Corporate Solutions America Insurance Corporation | 29874 | MO | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +9 more |
| TravCo Personal Insurance Company | 36463 | CT | Admitted (licensed) | Personal auto, Commercial auto, Commercial package (BOP, CMP) +3 more |
| Travelers Casualty and Surety Company | 19038 | CT | Admitted (licensed) | Personal auto, Commercial auto, Commercial package (BOP, CMP) +6 more |
| Travelers Indemnity Company of Connecticut (The) | 25682 | CT | Admitted (licensed) | Aircraft and aviation, Personal auto, Equipment breakdown +11 more |
| Travelers Property Casualty Company of America | 25674 | CT | Admitted (licensed) | Aircraft and aviation, Personal auto, Equipment breakdown +13 more |
| United States Fidelity and Guaranty Company | 25887 | CT | Admitted (licensed) | Aircraft and aviation, Personal auto, Commercial auto +8 more |
| Vigilant Insurance Company | 20397 | NY | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +11 more |
| Westport Insurance Corporation | 39845 | MO | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +8 more |
| XL Specialty Insurance Company | 37885 | DE | Admitted (licensed) | Aircraft and aviation, Personal auto, Equipment breakdown +12 more |
| Zurich American Insurance Company | 16535 | NY | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +14 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.
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