Directory · Georgia · Commercial package (BOP, CMP)

Who writes commercial package (BOP, CMP) in Georgia

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

Travelers Group wrote the most commercial package (BOP, CMP) in Georgia in 2025, $188.9M and 9.7% of the state's premium; the top five groups hold 33%. Georgia'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 Georgia page.

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

Top 10 · NAIC table: 05 - Total Commercial Multiple Peril

The insurer groups that write the most commercial package (BOP, CMP) in Georgia

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	Travelers Group	$188.9M	9.71%	52%	Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
2	Hartford Fire & Casualty Group	$127.4M	6.55%	59%	Hartford Fire Insurance Company, Hartford Underwriters Insurance Company, Hartford Casualty Insurance Company, Twin City Fire Insurance Company (The)
3	Auto Owners Group	$125.6M	6.46%	47%	Auto-Owners Insurance Company, Owners Insurance Company, California Capital Insurance Company, Monterey Insurance Company
4	State Farm Group	$106.4M	5.47%	58%	State Farm Mutual Automobile Insurance Company, State Farm Fire and Casualty Company, State Farm Lloyds, State Farm General Insurance Company
5	Chubb Ltd Group	$99.2M	5.10%	27%	Federal Insurance Company, Ace American Insurance Company, Ace Property and Casualty Insurance Company, Chubb Lloyd's Insurance Company of Texas
6	Allstate Insurance Group	$78.6M	4.04%	39%	Allstate Vehicle and Property Insurance Company, Allstate Fire and Casualty Insurance Company, Allstate Northbrook Indemnity Company, Allstate North American Insurance Company
7	Cincinnati Financial Group	$68.4M	3.52%	17%	Cincinnati Insurance Company (The), Cincinnati Casualty Company (The), Cincinnati Indemnity Company (The), Cincinnati Specialty Underwriters Insurance Company (The)
8	The Hanover Insurance Group	$56.0M	2.88%	32%	Hanover Insurance Company (The), Allmerica Financial Benefit Insurance Company, Massachusetts Bay Insurance Company, Citizens Insurance Company of America
9	Utica Group	$52.6M	2.70%	40%	Utica Mutual Insurance Company, Republic-Franklin Insurance Company, Utica Lloyd's of Texas, Graphic Arts Mutual Insurance Company
10	Munich Re Group	$47.6M	2.44%	57%	American Modern Property and Casualty Insurance Company, American Modern Home Insurance Company, American Alternative Insurance Corporation, Next Insurance US Company

Turned down?

Last resort for commercial package (BOP, CMP) in Georgia

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 Georgia insurance regulator company list, read 2026-10-18. Live 'all companies' extract from the GA OCI company search (Content-Type says ms-excel; body is tab-delimited text). Mixes P&C, life/health, HMOs, fraternals, health care corps and farmers' mutuals; the extract has no company-type column, so 'type' is derived from [LINE CODE] (P&C / Life & Health / HMO / Fraternal / Health Care Corp / Farmers Mutual / Other). No domicile column (MAILSTATE is a mailing address), so domicile is ''. 'lines' is [LINE CODE] split on ';'. 'since' is [LICENSE DATE]. A few NAIC codes repeat under the same company name (separate license records); rows are kept as given, dedupe by NAIC on merge. One '(TEST COMPANY)' record is skipped. Captives and RRGs are not in the extract. Georgia publishes no state list of eligible surplus lines insurers. Fetched https://ociapp.oci.ga.gov/Insurers/CompanyDataXL_GUA.aspx; content-type application/vnd.ms-excel; charset=utf-8; 1 rows skipped (blank name, malformed, or test record). "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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