West American Insurance Company · NAIC 44393
Where West American 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.
West American Insurance Company (NAIC 44393) is a property and casualty insurer domiciled in Indiana, part of Liberty Mutual Group. State regulators list it as licensed (admitted) in Alaska, 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 #15 of 39 in Washington farm and crop in 2025 (1.2% share). It ranked #17 of 51 in Washington commercial package (BOP, CMP) in 2025 (1.9% share). It ranked #20 of 207 in California commercial package (BOP, CMP) in 2025 (1.1% share). The U.S. Treasury lists it as a certified surety with a $5.4M 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 Hawaii, 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, Commercial auto, Commercial package (BOP, CMP), Earthquake, Farm and crop, Inland marine, General liability, Commercial property (fire and allied lines), Workers' compensation | — | California Department of Insurance, 2026-10-17 |
| Colorado | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto, Commercial package (BOP, CMP), Earthquake, Farm and crop, Homeowners, Inland marine, General liability, Commercial property (fire and allied lines), 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, Commercial package (BOP, CMP), Earthquake, Farm and crop, Fidelity bonds, Homeowners, Inland marine, General liability, Medical malpractice, Commercial property (fire and allied lines), 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) | Personal auto, Equipment breakdown, Commercial auto, Commercial package (BOP, CMP), Earthquake, Farm and crop, Homeowners, Inland marine, General liability, Commercial property (fire and allied lines), Surety bonds, 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) | Personal auto, Equipment breakdown, Farm and crop, Fidelity bonds, Glass, Homeowners, Inland marine, General liability, Commercial property (fire and allied lines), Surety bonds, Workers' compensation | 04-01-1995 | Mississippi Insurance Department, 2026-10-17 |
| Missouri | Admitted (licensed) | Personal auto, Commercial auto, Commercial package (BOP, CMP), Earthquake, Farm and crop, Homeowners, Inland marine, General liability, Commercial property (fire and allied lines), Workers' compensation | — | 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, 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, Equipment breakdown, Commercial auto, Commercial package (BOP, CMP), Farm and crop, Homeowners, Inland marine, General liability, Commercial property (fire and allied lines), 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, Equipment breakdown, Earthquake, Farm and crop, Homeowners, Inland marine, General liability, Commercial property (fire and allied lines), Workers' compensation | — | Oklahoma, 2026-10-18 |
| Oregon | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto, Commercial package (BOP, CMP), Earthquake, Farm and crop, Homeowners, Inland marine, General liability, Commercial property (fire and allied lines), 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) | Equipment breakdown, Commercial package (BOP, CMP), Farm and crop, Homeowners, General liability, Commercial property (fire and allied lines), Workers' compensation | — | South Dakota, 2026-10-18 |
| Tennessee | Admitted (licensed) | — | — | Tennessee, 2026-10-18 |
| Texas | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto, Commercial package (BOP, CMP), Crime (burglary and theft), Earthquake, Farm and crop, Fidelity bonds, Glass, Inland marine, General liability, Commercial property (fire and allied lines), Surety bonds, Workers' compensation | 1995/07/28 | Texas Department of Insurance, 2026-10-17 |
| Utah | Admitted (licensed) | — | — | Utah, 2026-10-18 |
| Washington | Admitted (licensed) | Commercial auto, Commercial package (BOP, CMP), Farm and crop | — | Washington Office of the Insurance Commissioner and the Surplus Line Association of Washington, 2026-10-17 |
| Wisconsin | Admitted (licensed) | Personal auto, Commercial auto, Commercial package (BOP, CMP), Farm and crop, Homeowners, General liability, Commercial property (fire and allied lines), Surety bonds, 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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