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Directory · Company · Updated 2026-10-18

Vantage Risk Specialty Insurance Company · NAIC 16275

Where Vantage Risk Specialty 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.

Vantage Risk Specialty Insurance Company (NAIC 16275) is a property and casualty insurer domiciled in Delaware, part of Vantage Risk Holdings Group. State regulators list it as licensed (admitted) in Delaware, Illinois, Maryland, Missouri, South Carolina and an eligible surplus lines insurer in Alaska, Colorado, Connecticut, Iowa, Idaho, Kentucky, Massachusetts, Minnesota, Mississippi, Montana, North Carolina, New Jersey, New York, Oklahoma, Oregon, Rhode Island, Tennessee, Texas, Washington, West Virginia. It ranked #25 of 122 in North Carolina medical malpractice in 2025 (0.7% share). It ranked #34 of 127 in Illinois medical malpractice in 2025 (0.7% share). It ranked #83 of 695 in Illinois general liability in 2025 (0.3% 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 California, Florida, Georgia, Hawaii, North Dakota, Nebraska, Nevada, Ohio, South Dakota, Utah, Wisconsin, Wyoming, which doesn't by itself mean it isn't licensed there.

StateStatusLines licensedSinceSource
AlaskaSurplus lines (eligible)——Alaska, 2026-10-18
ColoradoSurplus lines (eligible)—2026-07-01Colorado, 2026-10-18
ConnecticutSurplus lines (eligible)——Connecticut, 2026-10-18
DelawareAdmitted (licensed)——Delaware, 2026-10-18
IdahoSurplus lines (eligible)——Idaho, 2026-10-18
IllinoisAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto, Commercial package (BOP, CMP), Earthquake, General liability, Medical malpractice, Ocean marine, Professional liability (E&O), Commercial property (fire and allied lines)—Illinois, 2026-10-18
IowaSurplus lines (eligible)——Iowa, 2026-10-18
KentuckySurplus lines (eligible)——Kentucky Department of Insurance, 2026-10-17
MarylandAdmitted (licensed)——Maryland Insurance Administration, 2026-10-17
MassachusettsSurplus lines (eligible)——Massachusetts, 2026-10-18
MinnesotaSurplus lines (eligible)——Minnesota, 2026-10-18
MississippiSurplus lines (eligible)——Mississippi Insurance Department, 2026-10-17
MissouriAdmitted (licensed)——Missouri, 2026-10-18
MontanaSurplus lines (eligible)——Market share report
New JerseySurplus lines (eligible)——New Jersey, 2026-10-18
New YorkSurplus lines (eligible)—12/02/2021Excess Line Association of New York (DFS-licensed and eligible excess line insurers), 2026-10-17
North CarolinaSurplus lines (eligible)Equipment breakdown, Commercial auto, Commercial package (BOP, CMP), Earthquake, Inland marine, General liability, Medical malpractice, Commercial property (fire and allied lines)—North Carolina, 2026-10-18
OklahomaSurplus lines (eligible)——Oklahoma, 2026-10-18
OregonSurplus lines (eligible)——Oregon, 2026-10-18
Rhode IslandSurplus lines (eligible)——Rhode Island, 2026-10-18
South CarolinaAdmitted (licensed)——South Carolina, 2026-10-18
TennesseeSurplus lines (eligible)——Tennessee, 2026-10-18
TexasSurplus lines (eligible)—2018/06/05Texas Department of Insurance, 2026-10-17
WashingtonSurplus lines (eligible)——Washington Office of the Insurance Commissioner and the Surplus Line Association of Washington, 2026-10-17
West VirginiaSurplus lines (eligible)——Market share report
What it writes

Premium and rank by line

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

Line and stateRankPremium writtenShareYear
Medical malpractice in Illinois#34 of 127$4.1M0.67%2025
General liability in Illinois#83 of 695$21.7M0.33%2025
Earthquake in Illinois#146 of 265$17,1810.02%2025
Commercial property (fire and allied lines) in Illinois#177 of 387$768,9230.05%2025
Equipment breakdown in Illinois#216 of 231$8190.00%2025
Commercial package (BOP, CMP) in Illinois#356 of 400$60,7990.00%2025
Commercial auto in Illinois#368 of 448$151,9390.00%2025
Medical malpractice in North Carolina#25 of 122$1.5M0.72%2025
General liability in North Carolina#122 of 621$7.3M0.25%2025
Earthquake in North Carolina#136 of 180$1,5080.01%2025
Inland marine in North Carolina#192 of 420$332,4500.03%2025
Equipment breakdown in North Carolina#192 of 219$1,9070.00%2025
Commercial property (fire and allied lines) in North Carolina#198 of 340$316,6580.02%2025
Commercial package (BOP, CMP) in North Carolina#291 of 361$128,9680.01%2025
Commercial auto in North Carolina#360 of 408$24,9860.00%2025
Standing

Where it's a top-10 writer

Vantage Risk Holdings Group (NAIC group 05013), the group Vantage Risk Specialty Insurance Company 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
Medical malpractice in Colorado
Medical Professional Liability
#6$6.6M3.27%2025
Medical malpractice in South Dakota
Medical Professional Liability
#6$768,0003.41%2025
Medical malpractice in Tennessee
Medical Professional Liability
#9$6.7M2.12%2025

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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