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Directory · Company · Updated 2026-10-18

North River Insurance Company (The) · NAIC 21105

Where North River Insurance Company (The) 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.

North River Insurance Company (The) (NAIC 21105) is a property and casualty insurer domiciled in New Jersey, part of Fairfax Financial 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 #9 of 22 in South Dakota pet in 2025 (0.5% share). It ranked #12 of 28 in Illinois pet in 2025 (0.4% share). It ranked #13 of 20 in California pet in 2025 (0.1% share).

By Sam Alishahi, independent insurance broker · All companies

By state

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.

StateStatusLines licensedSinceSource
AlaskaAdmitted (licensed)——Alaska, 2026-10-18
CaliforniaAdmitted (licensed)Commercial auto, Commercial package (BOP, CMP), General liability, Pet, Commercial property (fire and allied lines), Surety bonds, Workers' compensation—California Department of Insurance, 2026-10-17
ColoradoAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP), Earthquake, Fidelity bonds, Flood, Inland marine, General liability, Commercial property (fire and allied lines), Surety bonds, Workers' compensation—Colorado, 2026-10-18
ConnecticutAdmitted (licensed)——Connecticut, 2026-10-18
DelawareAdmitted (licensed)——Delaware, 2026-10-18
FloridaAdmitted (licensed)Aircraft and aviation, Personal auto, Commercial auto, Commercial package (BOP, CMP), Earthquake, Farm and crop, Fidelity bonds, Homeowners, Inland marine, General liability, Medical malpractice, Mobile home, Ocean marine, Commercial property (fire and allied lines), Surety bonds, Workers' compensation—Florida Office of Insurance Regulation, 2026-10-18
GeorgiaAdmitted (licensed)General liability, Commercial property (fire and allied lines), Surety bonds, Workers' compensation—Georgia, 2026-10-18
HawaiiAdmitted (licensed)——Hawaii, 2026-10-18
IdahoAdmitted (licensed)Fidelity bonds, General liability, Ocean marine, Commercial property (fire and allied lines), Surety bonds, Workers' compensation—Idaho, 2026-10-18
IllinoisAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP), Earthquake, Fidelity bonds, Flood, General liability, Pet, Commercial property (fire and allied lines), Surety bonds, Workers' compensation—Illinois, 2026-10-18
IowaAdmitted (licensed)——Iowa, 2026-10-18
KentuckyAdmitted (licensed)——Kentucky Department of Insurance, 2026-10-17
MarylandAdmitted (licensed)——Maryland Insurance Administration, 2026-10-17
MassachusettsAdmitted (licensed)Personal auto, Fidelity bonds, General liability, Surety bonds, Workers' compensation—Massachusetts, 2026-10-18
MinnesotaAdmitted (licensed)——Minnesota, 2026-10-18
MississippiAdmitted (licensed)Personal auto, Equipment breakdown, Fidelity bonds, Glass, Inland marine, General liability, Ocean marine, Commercial property (fire and allied lines), Surety bonds, Workers' compensation10-01-1972Mississippi Insurance Department, 2026-10-17
MissouriAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP), Fidelity bonds, General liability, Commercial property (fire and allied lines), Surety bonds, Workers' compensation—Missouri, 2026-10-18
NebraskaAdmitted (licensed)——Nebraska, 2026-10-18
NevadaAdmitted (licensed)General liability, Ocean marine, Commercial property (fire and allied lines), Surety bonds, Workers' compensation—Nevada Division of Insurance, 2026-10-17
New JerseyAdmitted (licensed)——New Jersey, 2026-10-18
New YorkAdmitted (licensed)——Excess Line Association of New York (DFS-licensed and eligible excess line insurers), 2026-10-17
North CarolinaAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP), General liability, Pet, Commercial property (fire and allied lines), Surety bonds, Workers' compensation—North Carolina, 2026-10-18
North DakotaAdmitted (licensed)——North Dakota, 2026-10-18
OhioAdmitted (licensed)——Ohio Department of Insurance, 2026-10-17
OklahomaAdmitted (licensed)Personal auto, Fidelity bonds, Inland marine, General liability, Commercial property (fire and allied lines), Workers' compensation—Oklahoma, 2026-10-18
OregonAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP), Fidelity bonds, General liability, Commercial property (fire and allied lines), Surety bonds, Workers' compensation—Oregon, 2026-10-18
Rhode IslandAdmitted (licensed)——Rhode Island, 2026-10-18
South CarolinaAdmitted (licensed)——South Carolina, 2026-10-18
South DakotaAdmitted (licensed)General liability, Pet, Commercial property (fire and allied lines), Workers' compensation—South Dakota, 2026-10-18
TennesseeAdmitted (licensed)——Tennessee, 2026-10-18
TexasAdmitted (licensed)Aircraft and aviation, Personal auto, Equipment breakdown, Commercial auto, Commercial package (BOP, CMP), Credit, Crime (burglary and theft), Earthquake, Farm and crop, Fidelity bonds, Flood, Glass, Inland marine, General liability, Ocean marine, Pet, Commercial property (fire and allied lines), Surety bonds, Workers' compensation1972/10/02Texas Department of Insurance, 2026-10-17
UtahAdmitted (licensed)——Utah, 2026-10-18
WashingtonAdmitted (licensed)Flood, Pet, Surety bonds, Workers' compensation—Washington Office of the Insurance Commissioner and the Surplus Line Association of Washington, 2026-10-17
WisconsinAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP), General liability, Commercial property (fire and allied lines), Surety bonds, Workers' compensation—Wisconsin, 2026-10-18
WyomingAdmitted (licensed)——Wyoming, 2026-10-18
What it writes

Premium and rank by line

From the regulators that publish every company's direct premium by line.

Line and stateRankPremium writtenShareYear
Pet in California#13 of 20$1.5M0.14%2025
Surety bonds in California#45 of 148$6.1M0.48%2025
Commercial property (fire and allied lines) in California#80 of 210$3.5M0.09%2025
Workers' compensation in California#128 of 245$11.0M0.09%2025
General liability in California#146 of 353$7.9M0.09%2025
Commercial package (BOP, CMP) in California#156 of 207$583,3720.01%2025
Commercial auto in California#184 of 232$530,4200.01%2025
Pet in Illinois#12 of 28$703,6570.39%2025
Commercial auto in Illinois#61 of 448$11.7M0.36%2025
Flood in Illinois#116 of 128$1,0220.00%2025
Fidelity bonds in Illinois#144 of 162$9830.00%2025
Commercial property (fire and allied lines) in Illinois#147 of 387$1.3M0.08%2025
Surety bonds in Illinois#149 of 157$4180.00%2025
Workers' compensation in Illinois#192 of 375$2.5M0.10%2025
General liability in Illinois#227 of 695$4.2M0.06%2025
Commercial package (BOP, CMP) in Illinois#301 of 400$317,9330.01%2025
Pet in North Carolina#16 of 26$177,8290.13%2025
Surety bonds in North Carolina#96 of 152$242,1140.08%2025
Commercial property (fire and allied lines) in North Carolina#157 of 340$779,0870.06%2025
General liability in North Carolina#160 of 621$5.1M0.17%2025
Workers' compensation in North Carolina#244 of 347$405,2000.03%2025
Commercial auto in North Carolina#267 of 408$303,4340.01%2025
Commercial package (BOP, CMP) in North Carolina#323 of 361$46,4970.00%2025
Pet in South Dakota#9 of 22$15,0010.46%2025
Commercial property (fire and allied lines) in South Dakota#138 of 157$3,4060.00%2025
General liability in South Dakota#176 of 356$98,9080.05%2025
Workers' compensation in South Dakota#220 of 284$26,3250.01%2025
Pet in Texas#18 of 27$653,7190.23%2025
Commercial property (fire and allied lines) in Texas#53 of 260$14.3M0.28%2025
Fidelity bonds in Texas#66 of 123$37,6310.04%2025
Flood in Texas#70 of 91$6,8710.00%2025
Surety bonds in Texas#91 of 165$671,4460.05%2025
General liability in Texas#92 of 463$16.1M0.24%2025
Earthquake in Texas#130 of 130$150.00%2025
Commercial auto in Texas#151 of 329$6.3M0.08%2025
Workers' compensation in Texas#206 of 327$830,0430.03%2025
Commercial package (BOP, CMP) in Texas#218 of 260$721,6710.02%2025
Pet in Washington#14 of 20$693,0000.31%2025
Surety bonds in Washington#22 of 40$3.4M1.47%2025
Workers' compensation in Washington#23 of 39$209,0000.83%2025
Flood in Washington#45 of 52$2,0000.01%2025
General liability in Wisconsin#61 of 429$5.0M0.39%2024
Commercial property (fire and allied lines) in Wisconsin#62 of 210$698,5370.21%2024
Surety bonds in Wisconsin#116 of 117$1200.00%2024
Workers' compensation in Wisconsin#118 of 312$1.6M0.08%2024
Commercial auto in Wisconsin#143 of 312$660,4500.06%2024
Standing

Where it's a top-10 writer

Fairfax Financial Group (NAIC group 00158), the group North River Insurance Company (The) belongs to, ranks in the top 10 for these lines and states. Top 10 insurer groups by direct premium written in 2025, from the NAIC's Market Share Reports for Property/Casualty Groups and Companies by State. A group is the parent and its insurance companies together; share is the group's part of the state total for the line; loss ratio is losses incurred over premium earned.

Line and stateRankPremium writtenShareYear
General liability in Louisiana
Products Liability
#1$6.5M10.58%2025
Farm and crop in New Jersey
Private Crop
#1$145,000100.00%2025
Farm and crop in New York
Private Crop
#1$154,00070.13%2025
Farm and crop in Pennsylvania
Private Crop
#1$1.5M83.16%2025
General liability in Texas
Products Liability
#1$52.6M9.58%2025
Commercial auto in California
Commercial Auto Liability
#2$465.3M6.32%2025
Credit in Delaware
Credit
#2$9.0M18.43%2025
General liability in Hawaii
Products Liability
#2$2.2M14.44%2025
General liability in Alabama
Other Liability
#3$51.9M3.91%2025
General liability in Arizona
Products Liability
#3$5.5M5.54%2025
General liability in California
Other Liability
#3$755.9M4.34%2025
General liability in Colorado
Products Liability
#3$8.8M7.36%2025
General liability in Hawaii
Other Liability
#3$31.2M5.58%2025
General liability in Louisiana
Other Liability
#3$83.7M4.77%2025
Surety bonds in Louisiana
Surety
#3$11.4M7.10%2025
Pet in Washington
Pet Insurance
#3$24.5M10.87%2025
General liability in Alabama
Products Liability
#4$4.5M7.25%2025
Commercial auto in California
Total Commercial Auto
#4$513.1M5.77%2025
Surety bonds in Florida
Surety
#4$38.1M4.53%2025
Commercial auto in Illinois
Commercial Auto Physical Damage
#4$38.6M5.21%2025
Inland marine in Massachusetts
Inland Marine
#4$40.0M5.41%2025
General liability in Oklahoma
Products Liability
#4$3.2M6.00%2025
General liability in Washington
Other Liability
#4$102.1M3.99%2025
Pet in California
Pet Insurance
#5$113.1M10.66%2025
General liability in Florida
Other Liability
#5$337.6M3.54%2025
General liability in Georgia
Other Liability
#5$141.4M3.69%2025
Commercial auto in Hawaii
Commercial Auto Physical Damage
#5$2.8M7.06%2025
Commercial property (fire and allied lines) in Iowa
Allied Lines
#5$12.8M4.34%2025
General liability in Mississippi
Other Liability
#5$23.8M3.81%2025
General liability in Mississippi
Products Liability
#5$2.2M7.26%2025
Credit in Missouri
Credit
#5$4.2M6.88%2025
Pet in New York
Pet Insurance
#5$48.8M11.23%2025
Commercial auto in Pennsylvania
Commercial Auto Liability
#5$90.3M4.70%2025
General liability in Texas
Other Liability
#5$483.6M3.98%2025
Surety bonds in Utah
Surety
#5$9.5M8.20%2025
Credit in Virginia
Credit
#5$4.0M6.23%2025
Surety bonds in Wyoming
Surety
#5$4.4M6.32%2025
General liability in Arizona
Other Liability
#6$70.5M3.10%2025
Credit in Connecticut
Credit
#6$3.2M7.08%2025
Earthquake in District of Columbia
Earthquake
#6$299,0007.09%2025
Commercial auto in Hawaii
Commercial Auto Liability
#6$8.0M6.28%2025
Commercial auto in Hawaii
Total Commercial Auto
#6$10.8M6.46%2025
Farm and crop in Kentucky
Private Crop
#6$301,0003.45%2025
Commercial auto in Mississippi
Commercial Auto Physical Damage
#6$9.4M5.51%2025
Medical malpractice in Montana
Medical Professional Liability
#6$2.7M5.81%2025
Surety bonds in New Jersey
Surety
#6$10.8M3.75%2025
Commercial property (fire and allied lines) in New York
Allied Lines
#6$52.0M3.60%2025
Surety bonds in New York
Surety
#6$36.4M4.55%2025
General liability in North Carolina
Other Liability
#6$91.9M3.30%2025
Farm and crop in South Carolina
Private Crop
#6$5,0001.71%2025
General liability in Tennessee
Other Liability
#6$64.3M3.04%2025
Farm and crop in Alabama
Private Crop
#7$1,0000.10%2025
General liability in Arkansas
Other Liability
#7$21.1M2.47%2025
Commercial auto in California
Commercial Auto Physical Damage
#7$47.8M3.13%2025
General liability in Connecticut
Other Liability
#7$63.1M3.30%2025
Surety bonds in Connecticut
Surety
#7$3.9M3.31%2025
General liability in District of Columbia
Products Liability
#7$336,0002.78%2025
Credit in Florida
Credit
#7$8.2M3.36%2025
General liability in Georgia
Products Liability
#7$6.8M3.94%2025
Commercial package (BOP, CMP) in Hawaii
Total Commercial Multiple Peril
#7$10.3M2.86%2025

Showing the best 60 of 186 top-10 placements.

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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