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Directory · Colorado · Umbrella and excess

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

Umbrella and excess · Colorado

The companies

CompanyNAICHome stateStatus hereLines
Ace American Insurance Company22667PAAdmitted (licensed)Aircraft and aviation, Personal auto, Equipment breakdown +15 more
American Alternative Insurance Corporation19720DEAdmitted (licensed)Aircraft and aviation, Personal auto, Commercial auto +12 more
American Guarantee and Liability Insurance Company26247NYAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +9 more
Arch Insurance (UK) Limited11150MOAdmitted (licensed)Aircraft and aviation, Personal auto, Equipment breakdown +13 more
Continental Casualty Company20443ILAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +14 more
Everest National Insurance Company10120DEAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +9 more
Federal Insurance Company20281INAdmitted (licensed)Aircraft and aviation, Personal auto, Equipment breakdown +14 more
Fidelity and Guaranty Insurance Company35386IAAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +9 more
Fidelity and Guaranty Insurance Underwriters, Inc.25879WIAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +3 more
General Reinsurance Corporation22039DEAdmitted (licensed)General liability, Umbrella and excess, Workers' compensation
Great Northern Insurance Company20303INAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +10 more
Hartford Casualty Insurance Company29424INAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +9 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
National Union Fire Insurance Company of Pittsburgh, Pennsylvania19445PAAdmitted (licensed)Aircraft and aviation, Personal auto, Equipment breakdown +16 more
New York Marine and General Insurance Company16608NYAdmitted (licensed)Aircraft and aviation, Personal auto, Equipment breakdown +10 more
Old Republic Insurance Company24147PAAdmitted (licensed)Aircraft and aviation, Personal auto, Commercial auto +8 more
Pacific Indemnity Company20346DEAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +10 more
Praetorian Insurance Company37257PAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +9 more
QBE Insurance (Europe) Limited39217PAAdmitted (licensed)Aircraft and aviation, Personal auto, Equipment breakdown +18 more
Republic Indemnity Company of America22179CAAdmitted (licensed)Umbrella and excess, Workers' compensation
RepWest Insurance Company31089AZAdmitted (licensed)Personal auto, Commercial auto, Inland marine +3 more
Safety National Casualty Corporation15105MOAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +4 more
Sentry Casualty Company28460WIAdmitted (licensed)Umbrella and excess, Workers' compensation
Sentry Insurance Company24988WIAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +11 more
St. Paul Fire and Marine Insurance Company24767CTAdmitted (licensed)Aircraft and aviation, Personal auto, Commercial auto +12 more
St. Paul Guardian Insurance Company24775CTAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +9 more
St. Paul Mercury Insurance Company24791CTAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +10 more
St. Paul Protective Insurance Company19224CTAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +3 more
Star Insurance Company18023MIAdmitted (licensed)Aircraft and aviation, Personal auto, Commercial auto +7 more
State National Insurance Company, Inc.12831TXAdmitted (licensed)Aircraft and aviation, Personal auto, Commercial auto +12 more
Swiss Re Corporate Solutions America Insurance Corporation29874MOAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +9 more
TravCo Personal Insurance Company36463CTAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +3 more
Travelers Casualty and Surety Company19038CTAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +6 more
Travelers Indemnity Company of Connecticut (The)25682CTAdmitted (licensed)Aircraft and aviation, Personal auto, Equipment breakdown +11 more
Travelers Property Casualty Company of America25674CTAdmitted (licensed)Aircraft and aviation, Personal auto, Equipment breakdown +13 more
United States Fidelity and Guaranty Company25887CTAdmitted (licensed)Aircraft and aviation, Personal auto, Commercial auto +8 more
Vigilant Insurance Company20397NYAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +11 more
Westport Insurance Corporation39845MOAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +8 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 umbrella and excess 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.

Open to use. Cite "Alishahi Insurance insurance company directory" and link here. CSV · JSON.

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