Directory · Connecticut · Equipment breakdown

Who writes equipment breakdown in Connecticut

Top insurer groups from the NAIC market share report; the state's list carries no lines of authority.

Fm Group wrote the most equipment breakdown in Connecticut in 2025, $8.3M and 27.3% of the state's premium; the top five groups hold 67%. Connecticut's company list doesn't say which lines each company is licensed for, so the ranking below is the NAIC's top 10 groups; every licensed company is on the Connecticut page.

By Sam Alishahi, independent insurance broker · All lines in Connecticut

Top 10 · NAIC table: 27 - Boiler and Machinery

The insurer groups that write the most equipment breakdown in Connecticut

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.

#	Insurer group	Premium written	Share	Loss ratio	Member companies here
1	Fm Group	$8.3M	27.33%	225%	Factory Mutual Insurance Company, Affiliated F M Insurance Company, Appalachian Insurance Company
2	Chubb Ltd Group	$6.1M	20.03%	71%	Federal Insurance Company, Ace American Insurance Company, Ace Property and Casualty Insurance Company, Chubb Lloyd's Insurance Company of Texas
3	Travelers Group	$2.3M	7.65%	6%	Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
4	American International Group	$2.0M	6.46%	17%	National Union Fire Insurance Company of Pittsburgh, Pennsylvania, AIG Property Casualty Company, Lexington Insurance Company, AIU Insurance Company
5	Selective Insurance Group	$1.7M	5.67%	5%	Selective Insurance Company of America, Selective Insurance Company of the Southeast, Selective Insurance Company of South Carolina, Mesa Underwriters Specialty Insurance Company
6	Liberty Mutual Group	$1.2M	4.03%	1%	Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
7	Wr Berkley Corporation Group	$1.2M	3.86%	4%	Berkley Assurance Company, Berkley National Insurance Company, Carolina Casualty Insurance Company, StarNet Insurance Company
8	Zurich Insurance Group	$861,000	2.84%	—	Zurich American Insurance Company, Rural Community Insurance Company, American Zurich Insurance Company, American Guarantee and Liability Insurance Company
9	Hartford Fire & Casualty Group	$584,000	1.93%	—	Hartford Fire Insurance Company, Hartford Underwriters Insurance Company, Hartford Casualty Insurance Company, Twin City Fire Insurance Company (The)
10	Federated Mutual Group	$550,000	1.82%	4%	Federated Mutual Insurance Company, Federated Reserve Insurance Company, Federated Service Insurance Company, Granite Re, Inc.

Turned down?

Last resort for equipment breakdown in Connecticut

Last resort	Lines	Where	How to get in
Surplus lines and Lloyd's open market	all	all states, under each state's diligent-search rules	Through surplus lines wholesalers; commercial property and liability have no guaranteed plan, so this is their last step	Source

Method and source

Source: the Connecticut insurance regulator company list, read 2026-10-18 and the surplus lines list. CT Insurance Department PDF 'List of Licensed Insurance Companies, Approved/Accredited Reinsurers and Surplus Lines Insurers in Connecticut' as of September 30, 2026. One document covers everything: 'admitted' here is every row whose company type is not 'Excess and Surplus Lines', with the type kept as given so the merge can filter (type == 'Property Casualty' for admitted P&C; 'Life plus Accident and Health', 'Title', 'Fraternal Benefit Society', 'Health Care Centers', 'Mortgage Guaranty' are other lines; 'Accredited', 'Reciprocal Jurisdiction', 'Reinsurance', 'Trusts', 'Pools' rows are reinsurers/trusts, not licensed primary insurers). No lines of authority are published, so 'lines' is always [] and 'since' is always ''. Company names are clipped at the PDF column width (roughly 40 characters, e.g. 'Accident Fund Insurance Company of'), so match on NAIC code; alien insurers, pools and reciprocal-jurisdiction reinsurers carry no NAIC code. Surplus lines 'eligible' date is not published. Type counts: Property Casualty=857, Life plus Accident and Health=386, Excess and Surplus Lines=265, Reciprocal Jurisdiction=63, Accredited=44, Fraternal Benefit Society=34, Title=21, Reinsurance (Property-=20, Certified Reinsurer=18, Trusts=14, Mortgage Guaranty=14, Health Care Centers=13, Pools and Associations=10, Pool=8, Reinsurance (Life)=8, Domicile w/ Similar Statutes=3 "Premium" is direct premium written in the state for the year shown; "share" is that company's part of the state total for the line. A company can be licensed for a line and write none of it, and a surplus lines insurer can write a line without a state license for it.

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