Cherokee Insurance Company · NAIC 10642
Where Cherokee Insurance Company is admitted, where it's eligible for surplus lines, the lines it's licensed for and how much of each it writes, from state regulators' public lists and market share reports.
Cherokee Insurance Company (NAIC 10642) is a property and casualty insurer domiciled in Michigan, part of Oakland Financial Corporation Group. State regulators list it as licensed (admitted) in California, Colorado, Connecticut, Delaware, Florida, Georgia, Iowa, Idaho, Illinois, Kentucky, Massachusetts, Maryland, Minnesota, Missouri, Mississippi, North Carolina, North Dakota, Nebraska, New Jersey, Nevada, New York, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Washington, Wisconsin, Wyoming. It ranked #100 of 327 in Texas workers' compensation in 2025 (0.2% share). It ranked #153 of 245 in California workers' compensation in 2025 (0.1% share). It ranked #168 of 312 in Wisconsin workers' compensation in 2024 (0.0% share). The U.S. Treasury lists it as a certified surety with a $40.7M underwriting limit.
By Sam Alishahi, independent insurance broker · All companies
Where it's licensed
States whose regulator lists are loaded: Alaska, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Iowa, Idaho, Illinois, Kentucky, Massachusetts, Maryland, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Jersey, Nevada, New York, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Washington, Wisconsin, West Virginia, Wyoming. Not on the lists we have for Alaska, Hawaii, Montana, West Virginia, which doesn't by itself mean it isn't licensed there.
| State | Status | Lines licensed | Since | Source |
|---|---|---|---|---|
| California | Admitted (licensed) | Commercial auto, General liability, Workers' compensation | — | California Department of Insurance, 2026-10-17 |
| Colorado | Admitted (licensed) | Surety bonds, Workers' compensation | — | Colorado, 2026-10-18 |
| Connecticut | Admitted (licensed) | — | — | Connecticut, 2026-10-18 |
| Delaware | Admitted (licensed) | — | — | Delaware, 2026-10-18 |
| Florida | Admitted (licensed) | Personal auto, Commercial auto, Inland marine, General liability, Surety bonds, Workers' compensation | — | Florida Office of Insurance Regulation, 2026-10-18 |
| Georgia | Admitted (licensed) | General liability, Commercial property (fire and allied lines), Surety bonds, Workers' compensation | — | Georgia, 2026-10-18 |
| Idaho | Admitted (licensed) | Fidelity bonds, General liability, Ocean marine, Commercial property (fire and allied lines), Surety bonds, Workers' compensation | — | Idaho, 2026-10-18 |
| Illinois | Admitted (licensed) | Workers' compensation | — | Illinois, 2026-10-18 |
| Iowa | Admitted (licensed) | — | — | Iowa, 2026-10-18 |
| Kentucky | Admitted (licensed) | — | — | Kentucky Department of Insurance, 2026-10-17 |
| Maryland | Admitted (licensed) | — | — | Maryland Insurance Administration, 2026-10-17 |
| Massachusetts | Admitted (licensed) | Personal auto, Fidelity bonds, General liability, Surety bonds, Workers' compensation | — | Massachusetts, 2026-10-18 |
| Minnesota | Admitted (licensed) | — | — | Minnesota, 2026-10-18 |
| Mississippi | Admitted (licensed) | Aircraft and aviation, Personal auto, Farm and crop, Fidelity bonds, Homeowners, Inland marine, General liability, Ocean marine, Commercial property (fire and allied lines), Surety bonds, Workers' compensation | 09-01-2002 | Mississippi Insurance Department, 2026-10-17 |
| Missouri | Admitted (licensed) | Personal auto, Commercial auto, Fidelity bonds, General liability, Surety bonds, Workers' compensation | — | Missouri, 2026-10-18 |
| Nebraska | Admitted (licensed) | Personal auto, Commercial auto, General liability, Workers' compensation | — | Nebraska, 2026-10-18 |
| Nevada | Admitted (licensed) | General liability, Ocean marine, Commercial property (fire and allied lines), Workers' compensation | — | Nevada Division of Insurance, 2026-10-17 |
| New Jersey | Admitted (licensed) | — | — | New Jersey, 2026-10-18 |
| New York | Admitted (licensed) | — | — | Excess Line Association of New York (DFS-licensed and eligible excess line insurers), 2026-10-17 |
| North Carolina | Admitted (licensed) | Personal auto, Commercial auto, General liability, Workers' compensation | — | North Carolina, 2026-10-18 |
| North Dakota | Admitted (licensed) | — | — | North Dakota, 2026-10-18 |
| Ohio | Admitted (licensed) | — | — | Ohio Department of Insurance, 2026-10-17 |
| Oklahoma | Admitted (licensed) | Personal auto, Surety bonds, Workers' compensation | — | Oklahoma, 2026-10-18 |
| Oregon | Admitted (licensed) | Workers' compensation | — | Oregon, 2026-10-18 |
| Rhode Island | Admitted (licensed) | — | — | Rhode Island, 2026-10-18 |
| South Carolina | Admitted (licensed) | — | — | South Carolina, 2026-10-18 |
| South Dakota | Admitted (licensed) | Workers' compensation | — | South Dakota, 2026-10-18 |
| Tennessee | Admitted (licensed) | — | — | Tennessee, 2026-10-18 |
| Texas | Admitted (licensed) | Aircraft and aviation, Personal auto, Equipment breakdown, Commercial auto, Credit, Crime (burglary and theft), Farm and crop, Fidelity bonds, Glass, Inland marine, General liability, Ocean marine, Commercial property (fire and allied lines), Surety bonds, Workers' compensation | 1969/03/07 | Texas Department of Insurance, 2026-10-17 |
| Utah | Admitted (licensed) | — | — | Utah, 2026-10-18 |
| Washington | Admitted (licensed) | — | — | Washington Office of the Insurance Commissioner and the Surplus Line Association of Washington, 2026-10-17 |
| Wisconsin | Admitted (licensed) | Workers' compensation | — | Wisconsin, 2026-10-18 |
| Wyoming | Admitted (licensed) | — | — | Wyoming, 2026-10-18 |
Method and source
Each row comes from the named regulator's public company list on the date shown, joined by NAIC number. "Admitted" means licensed by the state and backed by its guaranty fund; "surplus lines" means eligible to take risks the admitted market declines, without rate or form approval or guaranty fund protection. Premium and rank come from state market share reports that list every company. This is a public-records directory, not a rating or recommendation; for the company's own filings use the NAIC's Consumer Information Source.
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