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Directory · Company · Updated 2026-10-18

Union Insurance Company of Providence · NAIC 21423

Where Union Insurance Company of Providence 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.

Union Insurance Company of Providence (NAIC 21423) is a property and casualty insurer domiciled in Iowa, part of Emc Insurance Co. Group. State regulators list it as licensed (admitted) in Colorado, Connecticut, Delaware, Georgia, Iowa, Idaho, Illinois, Kentucky, Massachusetts, Maryland, Minnesota, Missouri, Mississippi, North Carolina, Nebraska, New Jersey, Nevada, New York, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Washington, Wisconsin, Wyoming. It ranked #51 of 210 in Wisconsin commercial property (fire and allied lines) in 2024 (0.3% share). It ranked #54 of 219 in North Carolina equipment breakdown in 2025 (0.3% share). It ranked #57 of 165 in Texas surety bonds in 2025 (0.4% 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 Alaska, California, Florida, Hawaii, Montana, North Dakota, West Virginia, which doesn't by itself mean it isn't licensed there.

StateStatusLines licensedSinceSource
ColoradoAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto, Commercial package (BOP, CMP), Earthquake, General liability, Commercial property (fire and allied lines), Workers' compensation—Colorado, 2026-10-18
ConnecticutAdmitted (licensed)——Connecticut, 2026-10-18
DelawareAdmitted (licensed)——Delaware, 2026-10-18
GeorgiaAdmitted (licensed)General liability, Commercial property (fire and allied lines), Surety bonds, Workers' compensation—Georgia, 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, Equipment breakdown, Commercial auto, Commercial package (BOP, CMP), Earthquake, Flood, General liability, Commercial property (fire and allied lines), 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)Aircraft and aviation, Personal auto, Farm and crop, Fidelity bonds, Glass, Homeowners, Inland marine, General liability, Ocean marine, Commercial property (fire and allied lines), Surety bonds, Workers' compensation02-01-1977Mississippi Insurance Department, 2026-10-17
MissouriAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP), Earthquake, General liability, Commercial property (fire and allied lines), 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, Equipment breakdown, Commercial auto, Commercial package (BOP, CMP), Earthquake, Flood, General liability, Commercial property (fire and allied lines), Workers' compensation—North Carolina, 2026-10-18
OhioAdmitted (licensed)——Ohio Department of Insurance, 2026-10-17
OklahomaAdmitted (licensed)Personal auto, Equipment breakdown, Earthquake, General liability, Commercial property (fire and allied lines), Workers' compensation—Oklahoma, 2026-10-18
OregonAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto, Commercial package (BOP, CMP), General liability, Commercial property (fire and allied lines)—Oregon, 2026-10-18
Rhode IslandAdmitted (licensed)——Rhode Island, 2026-10-18
South CarolinaAdmitted (licensed)——South Carolina, 2026-10-18
South DakotaAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto, General liability, Commercial property (fire and allied lines), Workers' compensation—South Dakota, 2026-10-18
TennesseeAdmitted (licensed)——Tennessee, 2026-10-18
TexasAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto, Commercial package (BOP, CMP), Crime (burglary and theft), Earthquake, Fidelity bonds, Glass, Inland marine, General liability, Commercial property (fire and allied lines), Surety bonds, Workers' compensation1975/04/04Texas Department of Insurance, 2026-10-17
UtahAdmitted (licensed)——Utah, 2026-10-18
WashingtonAdmitted (licensed)——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), 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
Equipment breakdown in Illinois#108 of 231$76,5970.06%2025
Earthquake in Illinois#168 of 265$8,9450.01%2025
Commercial property (fire and allied lines) in Illinois#236 of 387$217,8610.01%2025
Workers' compensation in Illinois#323 of 375$151,7870.01%2025
Commercial package (BOP, CMP) in Illinois#339 of 400$110,5940.00%2025
Commercial auto in Illinois#397 of 448$44,8670.00%2025
General liability in Illinois#552 of 695$96,2560.00%2025
Equipment breakdown in North Carolina#54 of 219$186,6180.26%2025
Flood in North Carolina#65 of 124$38,2140.03%2025
Earthquake in North Carolina#101 of 180$8,9010.04%2025
Commercial property (fire and allied lines) in North Carolina#125 of 340$1.4M0.11%2025
Commercial auto in North Carolina#180 of 408$1.1M0.05%2025
Workers' compensation in North Carolina#234 of 347$478,1050.03%2025
Commercial package (BOP, CMP) in North Carolina#258 of 361$302,5130.02%2025
General liability in North Carolina#333 of 621$799,4310.03%2025
Equipment breakdown in South Dakota#96 of 118$8730.01%2025
Commercial property (fire and allied lines) in South Dakota#117 of 157$14,1770.01%2025
Commercial auto in South Dakota#169 of 237$54,3620.02%2025
General liability in South Dakota#184 of 356$85,8910.04%2025
Workers' compensation in South Dakota#249 of 284$8,5140.00%2025
Surety bonds in Texas#57 of 165$5.9M0.44%2025
Equipment breakdown in Texas#125 of 173$20,5770.01%2025
Earthquake in Texas#126 of 130$480.00%2025
Commercial property (fire and allied lines) in Texas#192 of 260$175,5550.00%2025
Commercial package (BOP, CMP) in Texas#256 of 260$1,9580.00%2025
Workers' compensation in Texas#272 of 327$188,8280.01%2025
Commercial auto in Texas#310 of 329$22,0790.00%2025
General liability in Texas#365 of 463$289,6470.00%2025
Commercial property (fire and allied lines) in Wisconsin#51 of 210$926,3620.27%2024
Commercial auto in Wisconsin#135 of 312$765,6810.08%2024
General liability in Wisconsin#200 of 429$440,2380.03%2024
Commercial package (BOP, CMP) in Wisconsin#208 of 276$116,0250.01%2024
Workers' compensation in Wisconsin#269 of 312$32,6630.00%2024
Standing

Where it's a top-10 writer

Emc Insurance Co. Group (NAIC group 00062), the group Union Insurance Company of Providence 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
Commercial property (fire and allied lines) in Iowa
Allied Lines
#1$59.2M20.00%2025
Commercial property (fire and allied lines) in Kansas
Allied Lines
#1$45.9M13.35%2025
General liability in Wyoming
Products Liability
#1$1.3M13.66%2025
General liability in Arkansas
Products Liability
#2$2.2M7.39%2025
General liability in Colorado
Products Liability
#2$8.9M7.44%2025
Commercial property (fire and allied lines) in Iowa
Fire
#2$34.2M10.01%2025
Workers' compensation in Iowa
Workers Compensation
#2$39.8M6.27%2025
Equipment breakdown in Iowa
Boiler and Machinery
#2$3.6M9.14%2025
General liability in Montana
Products Liability
#2$2.7M11.70%2025
General liability in Nebraska
Products Liability
#2$2.8M9.75%2025
Equipment breakdown in Kansas
Boiler and Machinery
#3$2.7M7.96%2025
Commercial property (fire and allied lines) in South Dakota
Allied Lines
#3$8.7M9.70%2025
Workers' compensation in Wyoming
Workers Compensation
#3$705,0000.33%2025
General liability in Iowa
Other Liability
#4$47.9M4.42%2025
Commercial auto in Iowa
Commercial Auto Liability
#4$23.5M5.09%2025
Commercial auto in Iowa
Commercial Auto Physical Damage
#4$15.5M5.37%2025
General liability in Kansas
Products Liability
#4$3.6M4.40%2025
Commercial auto in Kansas
Commercial Auto Liability
#4$18.0M4.51%2025
Commercial auto in Kansas
Total Commercial Auto
#4$30.8M4.98%2025
Commercial property (fire and allied lines) in Montana
Allied Lines
#4$4.9M5.73%2025
Commercial property (fire and allied lines) in Nebraska
Allied Lines
#4$15.2M7.75%2025
Commercial property (fire and allied lines) in North Dakota
Allied Lines
#4$3.9M5.19%2025
General liability in Rhode Island
Products Liability
#4$1.1M6.70%2025
Commercial auto in Rhode Island
Commercial Auto Physical Damage
#4$2.9M5.73%2025
Commercial auto in Iowa
Total Commercial Auto
#5$39.0M5.20%2025
Commercial property (fire and allied lines) in Kansas
Fire
#5$13.5M5.56%2025
Commercial auto in Kansas
Commercial Auto Physical Damage
#5$12.8M5.83%2025
Commercial auto in Montana
Total Commercial Auto
#5$15.0M4.85%2025
Commercial auto in Montana
Commercial Auto Physical Damage
#5$5.7M4.88%2025
Equipment breakdown in Montana
Boiler and Machinery
#5$817,0006.92%2025
General liability in New Mexico
Products Liability
#5$1.2M6.12%2025
General liability in North Dakota
Products Liability
#5$1.2M5.57%2025
Commercial property (fire and allied lines) in South Dakota
Fire
#5$4.9M4.76%2025
Commercial property (fire and allied lines) in Wyoming
Allied Lines
#5$2.3M4.81%2025
Fidelity bonds in Iowa
Fidelity
#6$719,0005.40%2025
Commercial auto in Montana
Commercial Auto Liability
#6$9.3M4.84%2025
Commercial auto in Nebraska
Total Commercial Auto
#6$21.2M4.13%2025
Commercial auto in Rhode Island
Total Commercial Auto
#6$9.6M4.55%2025
Commercial auto in Wyoming
Total Commercial Auto
#6$7.5M4.63%2025
Commercial auto in Wyoming
Commercial Auto Physical Damage
#6$2.9M4.78%2025
Commercial auto in Colorado
Total Commercial Auto
#7$43.0M3.19%2025
General liability in Iowa
Products Liability
#7$2.6M4.88%2025
Surety bonds in Kansas
Surety
#7$3.0M4.25%2025
General liability in Michigan
Products Liability
#7$5.8M4.00%2025
Commercial property (fire and allied lines) in Minnesota
Allied Lines
#7$21.9M3.08%2025
General liability in Minnesota
Products Liability
#7$5.8M4.25%2025
Commercial property (fire and allied lines) in Montana
Fire
#7$3.8M4.37%2025
Commercial auto in Nebraska
Commercial Auto Liability
#7$12.6M4.14%2025
Commercial auto in Nebraska
Commercial Auto Physical Damage
#7$8.6M4.11%2025
Equipment breakdown in Nebraska
Boiler and Machinery
#7$935,0004.40%2025
General liability in Oklahoma
Products Liability
#7$2.7M4.90%2025
Surety bonds in Rhode Island
Surety
#7$1.0M2.74%2025
General liability in Utah
Products Liability
#7$3.5M5.08%2025
Commercial property (fire and allied lines) in Wisconsin
Allied Lines
#7$15.7M4.50%2025
Commercial auto in Wyoming
Commercial Auto Liability
#7$4.6M4.55%2025
Commercial auto in Colorado
Commercial Auto Liability
#8$31.4M3.15%2025
Commercial auto in Colorado
Commercial Auto Physical Damage
#8$11.6M3.30%2025
Equipment breakdown in Idaho
Boiler and Machinery
#8$651,0003.19%2025
Earthquake in Iowa
Earthquake
#8$375,0005.51%2025
General liability in Mississippi
Products Liability
#8$1.5M5.15%2025

Showing the best 60 of 78 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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