Directory · Florida · Credit

Who writes credit in Florida

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

American Financial Group wrote the most credit in Florida in 2025, $94.2M and 38.6% of the state's premium; the top five groups hold 76%. Florida'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 Florida page.

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

Top 10 · NAIC table: 28 - Credit

The insurer groups that write the most credit in Florida

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	American Financial Group	$94.2M	38.64%	—	Great American Insurance Company, Great American Assurance Company, National Interstate Insurance Company, Great American Alliance Insurance Company
2	Allianz Insurance Group	$41.8M	17.15%	41%	Allianz Global Risks US Insurance Company, Jefferson Insurance Company, Fireman's Fund Insurance Company, AGCS Marine Insurance Company
3	Ohio Indemnity Company	$19.9M	8.18%	35%	—
4	Arch Insurance Group	$16.9M	6.94%	82%	Arch Insurance (UK) Limited, Arch Mortgage Insurance Company, Arch Indemnity Insurance Company, Arch Specialty Insurance Company
5	Amtrust Financial Serv Group	$12.3M	5.06%	87%	Wesco Insurance Company, Technology Insurance Company, Inc., Security National Insurance Company, AmTrust Insurance Company
6	Old Republic Group	$9.3M	3.81%	290%	Old Republic Insurance Company, Great West Casualty Company, BITCO General Insurance Corporation, Pennsylvania Manufacturers' Association Insurance Company
7	Fairfax Financial Group	$8.2M	3.36%	82%	United States Fire Insurance Company, Zenith Insurance Company, Hudson Insurance Company, North River Insurance Company (The)
8	Intact Financial Group	$5.8M	2.38%	50%	Atlantic Specialty Insurance Company, Homeland Insurance Company of New York, OBI National Insurance Company, Homeland Insurance Company of Delaware
9	Tiptree Financial Group	$5.7M	2.32%	30%	Lyndon Southern Insurance Company, Response Indemnity Company of California, Fortegra Specialty Insurance Company, Insurance Company of the South
10	Atradius Trade Credit Insurance, Inc.	$5.3M	2.17%	62%	—

Turned down?

Last resort for credit in Florida

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 Florida Office of Insurance Regulation company list, read 2026-10-18. "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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