Directory · Delaware · Commercial property (fire and allied lines)

Who writes commercial property (fire and allied lines) in Delaware

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

Sompo Group wrote the most commercial property (fire and allied lines) in Delaware in 2025, $10.9M and 17.4% of the state's premium; the top five groups hold 45%. Delaware'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 Delaware page.

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

Top 10 · NAIC table: 02.1 - Allied Lines

The insurer groups that write the most commercial property (fire and allied lines) in Delaware

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	Sompo Group	$10.9M	17.44%	36%	American Agri-Business Insurance Company, Endurance Assurance Corporation, Endurance American Insurance Company, Sompo America Insurance Company
2	Zurich Insurance Group	$5.5M	8.83%	34%	Zurich American Insurance Company, Rural Community Insurance Company, American Zurich Insurance Company, American Guarantee and Liability Insurance Company
3	Selective Insurance Group	$4.7M	7.54%	10%	Selective Insurance Company of America, Selective Insurance Company of the Southeast, Selective Insurance Company of South Carolina, Mesa Underwriters Specialty Insurance Company
4	Berkshire Hathaway Group	$3.8M	6.11%	3%	GEICO General Insurance Company, GEICO Texas County Mutual Insurance Company, GEICO County Mutual Insurance Company, Government Employees Insurance Company
5	Fm Group	$3.1M	4.97%	—	Factory Mutual Insurance Company, Affiliated F M Insurance Company, Appalachian Insurance Company
6	American International Group	$2.4M	3.82%	—	National Union Fire Insurance Company of Pittsburgh, Pennsylvania, AIG Property Casualty Company, Lexington Insurance Company, AIU Insurance Company
7	Assurant Inc Group	$2.3M	3.67%	16%	Virginia Surety Company, Inc., American Bankers Insurance Company of Florida, American Security Insurance Company, Standard Guaranty Insurance Company
8	Brookfield Wealth Solutions Group	$2.2M	3.54%	9%	American National Property and Casualty Company, American National Lloyds Insurance Company, Argonaut Insurance Company, Colony Insurance Company
9	Farmers Insurance Group	$1.9M	3.04%	28%	Farmers Insurance Exchange, Foremost Insurance Company Grand Rapids, Michigan, Mid-Century Insurance Company, Fire Insurance Exchange Fire Underwriters Association
10	Cloister Mutual & Windsor Mount Joy Group	$1.8M	2.89%	16%	Windsor Mount Joy Mutual Insurance Company, Cloister Mutual Casualty Insurance Company

Turned down?

Last resort for commercial property (fire and allied lines) in Delaware

Last resort	Lines	Where	How to get in
Property FAIR Plans	dwelling fire, homeowners, commercial property	CA, CO, CT, IL, IN, IA, KS, KY, MN, MO, OH, OR, PA, TX, WI, WV, LA, DE, DC, GA, HI, MD, MA, MI, NJ, NM, NY, NC, RI, VA, FL	Each state's plan; California: broker searches the regular market first, registers on the broker portal (cfpnet.com); a DIC wrap is optional	Source
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 Delaware insurance regulator company list, read 2026-10-18. Delaware DOI Active Company List (sheet 'Active Company 10.01.2026'; updated monthly, link scraped from https://insurance.delaware.gov/divisions/berg/authorizedcompanies/). All 2279 active rows kept with COMPANY TYPE so the merge can filter (e.g. type == 'Property Casualty'); no lines of authority in the file; 1686 rows carry a NAIC code (TPAs, PBMs, rating/advisory orgs, reinsurance intermediaries and premium finance companies mostly do not). No DE surplus lines eligibility list exists (NRRA home-state rule + NAIC Quarterly Listing of Alien Insurers); DE-domiciled surplus lines insurers are in admitted with type 'Domestic Surplus Lines Company'. Types: Property Casualty 937; Life And Health 444; Third Party Administrator 334; Risk Retention Group 117; Accredited Reinsurer 79; Reciprocal Jurisdiction 66; Pharmacy Benefits Manager 62; Reinsurance Intermediary 45; Domestic Surplus Lines Company 38; Certified Reinsurer 28; Title 25; Fraternal 22; Rating Organization 21; Premium Finance Company 18; Health Maintenance Organization 13; Advisory Organization 6; Dental Plan Organization 6; Multiline Company 3; Medicare Prescription Drug Plan 3; Captive Insurer 3; Surety Company 2; Health Service Organization 2; Workers Comp Self Insurance Fund 2; Captive Risk Retention Group 1; Domiciled Trust 1; Manage Care Organization 1 "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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