Zurich American Insurance Company · NAIC 16535
Where Zurich 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.
Zurich American Insurance Company (NAIC 16535) is a property and casualty insurer domiciled in New York, part of Zurich Insurance 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 375 in Illinois workers' compensation in 2025 (3.4% share). It ranked #2 of 130 in Texas earthquake in 2025 (12.6% share). It ranked #2 of 327 in Texas workers' compensation in 2025 (3.7% share). The U.S. Treasury lists it as a certified surety with a $584.9M 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 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), Crime (burglary and theft), Earthquake, Fidelity bonds, Homeowners, Inland marine, General liability, Ocean marine, Commercial property (fire and allied lines), Surety bonds, Workers' compensation | — | California Department of Insurance, 2026-10-17 |
| Colorado | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto, Commercial package (BOP, CMP), Credit, Crime (burglary and theft), Earthquake, Fidelity bonds, Inland marine, General liability, Medical malpractice, Ocean marine, Professional liability (E&O), Commercial property (fire and allied lines), Surety bonds, Umbrella and excess, Workers' compensation | — | Colorado, 2026-10-18 |
| Connecticut | Admitted (licensed) | — | — | Connecticut, 2026-10-18 |
| Delaware | Admitted (licensed) | — | — | Delaware, 2026-10-18 |
| Florida | Admitted (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, Ocean marine, 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 |
| 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, Personal auto, Equipment breakdown, Commercial auto, Commercial package (BOP, CMP), Credit, Crime (burglary and theft), Earthquake, Fidelity bonds, Flood, Inland marine, General liability, Medical malpractice, Ocean marine, Professional liability (E&O), Commercial property (fire and allied lines), Surety bonds, Umbrella and excess, 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) | Aircraft and aviation, Personal auto, Equipment breakdown, Farm and crop, Fidelity bonds, Glass, Homeowners, Inland marine, General liability, Ocean marine, Commercial property (fire and allied lines), Surety bonds, Workers' compensation | 12-16-1998 | Mississippi Insurance Department, 2026-10-17 |
| Missouri | Admitted (licensed) | Personal auto, Commercial auto, Commercial package (BOP, CMP), Earthquake, Fidelity bonds, Inland marine, General liability, Ocean marine, Commercial property (fire and allied lines), Surety bonds, Umbrella and excess, 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), Crime (burglary and theft), Earthquake, Fidelity bonds, Inland marine, General liability, Ocean marine, Commercial property (fire and allied lines), Surety bonds, Umbrella and excess, 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, Crime (burglary and theft), Earthquake, Fidelity bonds, Flood, Homeowners, Inland marine, General liability, Ocean marine, Commercial property (fire and allied lines), Surety bonds, Workers' compensation | — | Oklahoma, 2026-10-18 |
| Oregon | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto, Commercial package (BOP, CMP), Crime (burglary and theft), Earthquake, Fidelity bonds, Inland marine, General liability, Ocean marine, Commercial property (fire and allied lines), Surety bonds, Umbrella and excess, 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) | Personal auto, Equipment breakdown, Commercial auto, Commercial package (BOP, CMP), Crime (burglary and theft), Earthquake, Fidelity bonds, Inland marine, General liability, Commercial property (fire and allied lines), Surety bonds, Workers' compensation | — | South Dakota, 2026-10-18 |
| Tennessee | Admitted (licensed) | — | — | Tennessee, 2026-10-18 |
| Texas | Admitted (licensed) | Aircraft and aviation, Personal auto, Equipment breakdown, Commercial auto, Commercial package (BOP, CMP), Credit, Crime (burglary and theft), Earthquake, Fidelity bonds, Glass, Homeowners, Inland marine, General liability, Ocean marine, Commercial property (fire and allied lines), Surety bonds, Workers' compensation | 1999/01/20 | Texas Department of Insurance, 2026-10-17 |
| Utah | Admitted (licensed) | — | — | Utah, 2026-10-18 |
| Washington | Admitted (licensed) | Equipment breakdown, Commercial auto, Commercial package (BOP, CMP), Crime (burglary and theft), Earthquake, Fidelity bonds, Inland marine, General liability, Ocean marine, Commercial property (fire and allied lines), Surety bonds, Workers' compensation | — | 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), Fidelity bonds, General liability, Medical malpractice, Commercial property (fire and allied lines), Surety bonds, Umbrella and excess, 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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