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Directory · District of Columbia · Commercial property (fire and allied lines)

Who writes commercial property (fire and allied lines) in District of Columbia

Top insurer groups from the NAIC market share report; the state's own licensed-company list isn't available in a form a program can read.

Fm Group wrote the most commercial property (fire and allied lines) in District of Columbia in 2025, $16.3M and 25.9% of the state's premium; the top five groups hold 57%. District of Columbia doesn't publish a machine-readable list of every licensed company, so the ranking below is the NAIC's top 10 groups.

By Sam Alishahi, independent insurance broker · All lines in District of Columbia

Top 10 · NAIC table: 02.1 - Allied Lines

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

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 groupPremium writtenShareLoss ratioMember companies here
1Fm Group$16.3M25.90%—Factory Mutual Insurance Company, Affiliated F M Insurance Company, Appalachian Insurance Company
2Travelers Group$6.8M10.76%33%Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
3United Serv Automobile Assn Group$5.0M7.89%47%United Services Automobile Association, USAA Reciprocal, Attorney-in-fact, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company
4American International Group$4.3M6.85%54%National Union Fire Insurance Company of Pittsburgh, Pennsylvania, AIG Property Casualty Company, Lexington Insurance Company, AIU Insurance Company
5Zurich Insurance Group$3.6M5.73%0%Zurich American Insurance Company, Rural Community Insurance Company, American Zurich Insurance Company, American Guarantee and Liability Insurance Company
6Everest Reinsurance Holdings Group$2.6M4.09%15%Everest National Insurance Company, Everest Premier Insurance Company, Everest Denali Insurance Company, Everest Reinsurance (Bermuda) Limited -
7Axa Insurance Group$2.2M3.52%—XL Specialty Insurance Company, XL Insurance America, Inc., Greenwich Insurance Company, |Indian Harbor Insurance Company
8Assurant Inc Group$2.1M3.40%10%Virginia Surety Company, Inc., American Bankers Insurance Company of Florida, American Security Insurance Company, Standard Guaranty Insurance Company
9Sompo Group$2.1M3.38%15%American Agri-Business Insurance Company, Endurance Assurance Corporation, Endurance American Insurance Company, Sompo America Insurance Company
10Chubb Ltd Group$1.9M3.07%4%Federal Insurance Company, Ace American Insurance Company, Ace Property and Casualty Insurance Company, Chubb Lloyd's Insurance Company of Texas
Turned down?

Last resort for commercial property (fire and allied lines) in District of Columbia

Last resortLinesWhereHow to get in
Property FAIR Plansdwelling fire, homeowners, commercial propertyCA, 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, FLEach state's plan; California: broker searches the regular market first, registers on the broker portal (cfpnet.com); a DIC wrap is optionalSource
Surplus lines and Lloyd's open marketallall states, under each state's diligent-search rulesThrough surplus lines wholesalers; commercial property and liability have no guaranteed plan, so this is their last stepSource

Method and source

Top insurer groups from the NAIC market share report; the state's own licensed-company list isn't available in a form a program can read. "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.

Open to use. Cite "Alishahi Insurance insurance company directory" and link here. CSV · JSON.

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