Factory Mutual Insurance Company · NAIC 21482
Where Factory Mutual 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.
Factory Mutual Insurance Company (NAIC 21482) is a property and casualty insurer domiciled in Rhode Island, part of Fm Group. State regulators list it as licensed (admitted) in Alaska, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, 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 #1 of 122 in California equipment breakdown in 2025 (18.1% share). It ranked #1 of 173 in Texas equipment breakdown in 2025 (31.9% share). It ranked #1 of 387 in Illinois commercial property (fire and allied lines) in 2025 (5.9% share).
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 Montana, West Virginia, which doesn't by itself mean it isn't licensed there.
| State | Status | Lines licensed | Since | Source |
|---|---|---|---|---|
| Alaska | Admitted (licensed) | — | — | Alaska, 2026-10-18 |
| California | Admitted (licensed) | Equipment breakdown, Earthquake, Inland marine, Commercial property (fire and allied lines) | — | California Department of Insurance, 2026-10-17 |
| Colorado | Admitted (licensed) | Equipment breakdown, Earthquake, Inland marine, Commercial property (fire and allied lines) | — | Colorado, 2026-10-18 |
| Connecticut | Admitted (licensed) | — | — | Connecticut, 2026-10-18 |
| Delaware | Admitted (licensed) | — | — | Delaware, 2026-10-18 |
| Florida | Admitted (licensed) | Commercial package (BOP, CMP), Fidelity bonds, Inland marine, General liability, Ocean marine, Commercial property (fire and allied lines), Surety bonds | — | 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 |
| Hawaii | Admitted (licensed) | — | — | Hawaii, 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) | Aircraft and aviation, Equipment breakdown, Earthquake, Inland marine, General liability, Commercial property (fire and allied lines) | — | 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) | Fidelity bonds, Surety bonds | — | Massachusetts, 2026-10-18 |
| Minnesota | Admitted (licensed) | — | — | Minnesota, 2026-10-18 |
| Mississippi | Admitted (licensed) | Equipment breakdown, Fidelity bonds, Glass, Inland marine, General liability, Ocean marine, Commercial property (fire and allied lines), Surety bonds | 07-01-1968 | Mississippi Insurance Department, 2026-10-17 |
| Missouri | Admitted (licensed) | Commercial package (BOP, CMP), Earthquake, Inland marine, Commercial property (fire and allied lines) | — | Missouri, 2026-10-18 |
| Nebraska | Admitted (licensed) | — | — | Nebraska, 2026-10-18 |
| Nevada | Admitted (licensed) | General liability, Ocean marine, Commercial property (fire and allied lines), Surety bonds | — | 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) | Equipment breakdown, Earthquake, Inland marine, Commercial property (fire and allied lines) | — | 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) | Equipment breakdown, Earthquake, Inland marine, Commercial property (fire and allied lines) | — | Oklahoma, 2026-10-18 |
| Oregon | Admitted (licensed) | Equipment breakdown, Earthquake, Inland marine, Commercial property (fire and allied lines) | — | 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) | Equipment breakdown, Earthquake, Inland marine, Commercial property (fire and allied lines) | — | South Dakota, 2026-10-18 |
| Tennessee | Admitted (licensed) | — | — | Tennessee, 2026-10-18 |
| Texas | Admitted (licensed) | Aircraft and aviation, Personal auto, Equipment breakdown, Crime (burglary and theft), Earthquake, Fidelity bonds, Glass, Inland marine, General liability, Ocean marine, Commercial property (fire and allied lines), Surety bonds | 1968/12/19 | Texas Department of Insurance, 2026-10-17 |
| Utah | Admitted (licensed) | — | — | Utah, 2026-10-18 |
| Washington | Admitted (licensed) | Equipment breakdown, Earthquake, Inland marine, Commercial property (fire and allied lines) | — | Washington Office of the Insurance Commissioner and the Surplus Line Association of Washington, 2026-10-17 |
| Wisconsin | Admitted (licensed) | Commercial property (fire and allied lines) | — | 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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