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Directory · Illinois · Flood

Who writes flood in Illinois

Ranked by direct premium written in 2025 from the Illinois market share report (every company, not a top-N list).

128 companies wrote flood in Illinois in 2025, $51.5M in direct premium. Hartford Insurance Company of the Midwest led with 7.0%; the top five hold 32%. 150 companies are licensed for the line.

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

Top 10 · NAIC table: 02.5 - Private Flood

The insurer groups that write the most flood in Illinois

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
1Axa Insurance Group$4.9M17.13%—XL Specialty Insurance Company, XL Insurance America, Inc., Greenwich Insurance Company, |Indian Harbor Insurance Company
2Liberty Mutual Group$4.4M15.22%—Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
3Assurant Inc Group$4.2M14.47%—Virginia Surety Company, Inc., American Bankers Insurance Company of Florida, American Security Insurance Company, Standard Guaranty Insurance Company
4Allianz Insurance Group$2.2M7.79%—Allianz Global Risks US Insurance Company, Jefferson Insurance Company, Fireman's Fund Insurance Company, AGCS Marine Insurance Company
5Berkshire Hathaway Group$1.7M5.99%—GEICO General Insurance Company, GEICO Texas County Mutual Insurance Company, GEICO County Mutual Insurance Company, Government Employees Insurance Company
6Chubb Ltd Group$1.5M5.23%7%Federal Insurance Company, Ace American Insurance Company, Ace Property and Casualty Insurance Company, Chubb Lloyd's Insurance Company of Texas
7Wr Berkley Corporation Group$1.3M4.63%8%Berkley Assurance Company, Berkley National Insurance Company, Carolina Casualty Insurance Company, StarNet Insurance Company
8Allstate Insurance Group$1.2M4.23%—Allstate Vehicle and Property Insurance Company, Allstate Fire and Casualty Insurance Company, Allstate Northbrook Indemnity Company, Allstate North American Insurance Company
9Swiss Re Group$1.1M3.77%21%Swiss Re Corporate Solutions Elite Insurance Corporation, Swiss Re Corporate Solutions America Insurance Corporation, Swiss Re Corporate Solutions Capacity Insurance Corporation, Swiss Re Corporate Solutuions Premier Insurance Corporation
10American International Group$964,0003.34%7%National Union Fire Insurance Company of Pittsburgh, Pennsylvania, AIG Property Casualty Company, Lexington Insurance Company, AIU Insurance Company
Flood · Illinois

The companies

#CompanyNAICHome stateStatus herePremiumShare
1Hartford Insurance Company of the Midwest37478INAdmitted (licensed)$3.6M6.95%
2Employers Insurance Company of Wausau21458WIAdmitted (licensed)$3.4M6.52%
3|Indian Harbor Insurance Company36940DEAdmitted (licensed)$3.2M6.23%
4Selective Insurance Company of the Southeast39926INAdmitted (licensed)$3.1M6.02%
5Voyager Indemnity Insurance Company40428GAAdmitted (licensed)$3.1M5.94%
6American Bankers Insurance Company of Florida10111FLAdmitted (licensed)$2.7M5.19%
7Wright National Flood Insurance Company11523TXAdmitted (licensed)$2.5M4.84%
8Allstate Insurance Company19232ILAdmitted (licensed)$2.4M4.65%
9Auto-Owners Insurance Company18988MIAdmitted (licensed)$2.1M4.06%
10XL Insurance America, Inc.24554DEAdmitted (licensed)$1.7M3.38%
11Allianz Global Risks US Insurance Company35300ILAdmitted (licensed)$1.7M3.37%
12Liberty Mutual Fire Insurance Company23035WIAdmitted (licensed)$1.4M2.65%
13USAA General Indemnity Company18600TXAdmitted (licensed)$1.1M2.22%
14American Security Insurance Company42978DEAdmitted (licensed)$1.1M2.17%
15Illinois Farmers Insurance Company21679ILAdmitted (licensed)$1.1M2.07%
16NATIONAL FIRE \u0026 MARINE INSURANCE COMPANY\20079NEAdmitted (licensed)$973,9941.89%
17Admiral Indemnity Company44318DEAdmitted (licensed)$951,9811.85%
18Chubb Custom Insurance Company38989NJAdmitted (licensed)$898,1091.74%
19Swiss Re Corporate Solutions Elite Insurance Corporation29700MOAdmitted (licensed)$867,9331.69%
20American Family Mutual Insurance Company, S.I.19275WIAdmitted (licensed)$864,6181.68%
21MS Transverse Specialty Insurance Company41807TXAdmitted (licensed)$802,1151.56%
22MIC General Insurance Corporation38660ILAdmitted (licensed)$711,7451.38%
23Arch Specialty Insurance Company21199MOAdmitted (licensed)$636,6061.24%
24Endurance American Specialty Insurance Company41718DEAdmitted (licensed)$608,9701.18%
25Federal Insurance Company20281INAdmitted (licensed)$590,4001.15%
26Palomar Specialty Insurance Company20338ORAdmitted (licensed)$555,4321.08%
27|Landmark American Insurance Company33138NHAdmitted (licensed)$500,9740.97%
28Fireman's Fund Insurance Company21873ILAdmitted (licensed)$495,5630.96%
29Homesite Insurance Company of Illinois11016ILAdmitted (licensed)$487,7280.95%
30Integon National Insurance Company29742ILAdmitted (licensed)$479,2240.93%
31American Strategic Insurance Corporation10872INAdmitted (licensed)$473,1010.92%
32Lexington Insurance Company19437DEAdmitted (licensed)$454,9890.88%
33Philadelphia Indemnity Insurance Company18058PAAdmitted (licensed)$437,6580.85%
34Cincinnati Casualty Company (The)28665OHAdmitted (licensed)$410,4070.80%
35Foremost Insurance Company Grand Rapids, Michigan11185MIAdmitted (licensed)$342,0260.66%
36Berkley Assurance Company32603DEAdmitted (licensed)$340,0270.66%
37Berkshire Hathaway Direct Insurance Company10391NEAdmitted (licensed)$304,6340.59%
38SOMPO AMERICA FIRE \u0026 MARINE INSURANCE COMPANY38997NYAdmitted (licensed)$281,5650.55%
39Agent Alliance Insurance Company10389ALAdmitted (licensed)$270,6720.53%
40Farmers Property and Casualty Insurance Company26298RIAdmitted (licensed)$241,3730.47%
41National General Insurance Company23728ILAdmitted (licensed)$240,0400.47%
42Cincinnati Insurance Company (The)10677OHAdmitted (licensed)$233,9980.45%
43National Union Fire Insurance Company of Pittsburgh, Pennsylvania19445PAAdmitted (licensed)$233,4560.45%
44AIG Property Casualty Company19402ILAdmitted (licensed)$213,5830.41%
45Privilege Underwriters Reciprocal Exchange, PURE Risk Mgt, Atty-in-Fact12873FLAdmitted (licensed)$210,6120.41%
46Swiss Re Corporate Solutions Capacity Insurance Corporation34916MOAdmitted (licensed)$210,1970.41%
47Nationwide Mutual Insurance Company23787OHAdmitted (licensed)$182,2220.35%
48Palomar Excess and Surplus Insurance Company16754AZAdmitted (licensed)$164,1660.32%
49CRUM \u0026 FORSTER SPECIALTY INSURANCE COMPANY\44520DEAdmitted (licensed)$154,4610.30%
50Mt. Hawley Insurance Company37974ILAdmitted (licensed)$134,7240.26%
51QBE Insurance (Europe) Limited39217PAAdmitted (licensed)$119,7850.23%
52Houston Specialty Insurance Company12936TXAdmitted (licensed)$111,0060.22%
53Verlan Fire Insurance Company10815NHAdmitted (licensed)$97,6710.19%
54Sutton Specialty Insurance Company16848OKAdmitted (licensed)$97,6240.19%
55|Trisura Specialty Insurance Company16188OKAdmitted (licensed)$94,2900.18%
56Fortegra Specialty Insurance Company16823AZAdmitted (licensed)$83,3560.16%
57Cumis Insurance Society Incorporated10847IAAdmitted (licensed)$63,5220.12%
58West Bend Insurance Company15350WIAdmitted (licensed)$62,3760.12%
59Aspen Specialty Insurance Company10717NDAdmitted (licensed)$52,2750.10%
60Tokio Marine Specialty Insurance Company23850DEAdmitted (licensed)$49,4640.10%
61QBE Specialty Insurance Company11515NDAdmitted (licensed)$42,2430.08%
62New Hampshire Insurance Company23841ILAdmitted (licensed)$38,5800.07%
63Sentry Insurance Company24988WIAdmitted (licensed)$34,3220.07%
64Middlesex Insurance Company23434WIAdmitted (licensed)$34,2170.07%
65EMPLOYERS MUTUAL CASUALTY COMPANY Employers Mutual Casualty Company)21415IAAdmitted (licensed)$27,2970.05%
66Nationwide Affinity Insurance Company of America26093OHAdmitted (licensed)$26,8830.05%
67Granite State Insurance Company23809ILAdmitted (licensed)$26,8750.05%
68Nationwide Property and Casualty Insurance Company37877OHAdmitted (licensed)$24,3680.05%
69Citizens Ins Co Of IL10714ILAdmitted (licensed)$22,7270.04%
70Arch Insurance (UK) Limited11150MOAdmitted (licensed)$22,3520.04%
71Illinois Union Insurance Company27960ILAdmitted (licensed)$21,6270.04%
72Fireman's Fund Indemnity Corporation11380NJAdmitted (licensed)$18,7190.04%
73American National Property and Casualty Company28401NEAdmitted (licensed)$17,3160.03%
74Massachusetts Bay Insurance Company22306NHAdmitted (licensed)$17,1280.03%
75Union Insurance Company25844IAAdmitted (licensed)$14,0770.03%
76Mitsui Sumitomo Insurance Company of America20362NYAdmitted (licensed)$12,4980.02%
77Nationwide Insurance Company of America25453OHAdmitted (licensed)$10,7750.02%
78Swiss Re Corporate Solutions America Insurance Corporation29874MOAdmitted (licensed)$9,0680.02%
79EMCASCO Insurance Company21407IAAdmitted (licensed)$8,9160.02%
80StarNet Insurance Company40045IAAdmitted (licensed)$8,3280.02%
81Bankers Insurance Company33162FLAdmitted (licensed)$7,6880.01%
82Nationwide Agribusiness Insurance Company28223IAAdmitted (licensed)$7,6550.01%
83Cincinnati Indemnity Company (The)23280OHAdmitted (licensed)$7,2450.01%
84Sentry Select Insurance Company21180WIAdmitted (licensed)$7,0420.01%
85Hartford Fire Insurance Company19682CTAdmitted (licensed)$6,6080.01%
86Firemen's Insurance Company of Washington, D. C.21784IAAdmitted (licensed)$6,4990.01%
87|Hadron Specialty Insurance Company17534ARAdmitted (licensed)$6,1040.01%
88L M Insurance Corporation33600ILAdmitted (licensed)$5,9310.01%
89Sompo America Insurance Company11126NYAdmitted (licensed)$5,8440.01%
90Continental Western Insurance Company10804IAAdmitted (licensed)$5,5080.01%
91General Insurance Company of America24732NHAdmitted (licensed)$5,4640.01%
92American Casualty Company of Reading, Pennsylvania20427PAAdmitted (licensed)$5,4270.01%
93Transportation Insurance Company20494ILAdmitted (licensed)$4,7830.01%
94United States Fire Insurance Company21113DEAdmitted (licensed)$4,0900.01%
95Hanover American Insurance Company (The)36064NHAdmitted (licensed)$3,8280.01%
96Berkley National Insurance Company38911IAAdmitted (licensed)$3,3650.01%
97Berkley Regional Insurance Company29580IAAdmitted (licensed)$3,3080.01%
98AMCO Insurance Company19100IAAdmitted (licensed)$3,1430.01%
99Allied Insurance Company of America10127OHAdmitted (licensed)$2,9180.01%
100SECURA Insurance Company22543WIAdmitted (licensed)$2,5620.00%
101Hanover Insurance Company (The)22292NHAdmitted (licensed)$2,2700.00%
102Mitsui Sumitomo Insurance USA Inc.22551NYAdmitted (licensed)$1,8840.00%
103Valley Forge Insurance Company20508PAAdmitted (licensed)$1,8610.00%
104MICO Insurance Company40932OHAdmitted (licensed)$1,7170.00%
105Homeowners of America Insurance Company12536TXAdmitted (licensed)$1,6580.00%
106Nationwide General Insurance Company23760OHAdmitted (licensed)$1,6360.00%
107GuideOne National Insurance Company14167IAAdmitted (licensed)$1,5820.00%
108Continental Insurance Company, (The)35289PAAdmitted (licensed)$1,3150.00%
109First Liberty Insurance Corporation (The)33588ILAdmitted (licensed)$1,3080.00%
110Scottsdale Insurance Company41297OHAdmitted (licensed)$1,2500.00%
111Continental Casualty Company20443ILAdmitted (licensed)$1,2380.00%
112Berkley Luxury Insurance Company17673IAAdmitted (licensed)$1,2110.00%
113Citizens Insurance Company of America31534MIAdmitted (licensed)$1,1690.00%
114Great American Insurance Company16691OHAdmitted (licensed)$1,1350.00%
115Acadia Insurance Company31325IAAdmitted (licensed)$1,0390.00%
116North River Insurance Company (The)21105NJAdmitted (licensed)$1,0220.00%
117National Fire Insurance Company of Hartford20478ILAdmitted (licensed)$8870.00%
118Stillwater Property and Casualty Insurance Company16578NYAdmitted (licensed)$6640.00%
119Midwest Family Mutual Insurance Company23574IAAdmitted (licensed)$4250.00%
120Obsidian Specialty Insurance Company16871DEAdmitted (licensed)$4140.00%
121Liberty Mutual Insurance Company42404ILAdmitted (licensed)$2650.00%
122Allmerica Financial Benefit Insurance Company41840MIAdmitted (licensed)$2500.00%
123Intrepid Insurance Company10749IAAdmitted (licensed)$1450.00%
124Liberty Surplus Insurance Corporation10725NHAdmitted (licensed)$780.00%
125NATIONAL LIABILITY \u0026 FIRE INSURANCE COMPANY20052CTAdmitted (licensed)$330.00%
126Accelerant Specialty Insurance Company16890ARAdmitted (licensed)$280.00%
127Liberty Mutual Insurance Company23043MAAdmitted (licensed)$130.00%
128Tri-State Insurance Company of Minnesota31003IAAdmitted (licensed)$10.00%
Turned down?

Last resort for flood in Illinois

Last resortLinesWhereHow to get in
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

Source: the Illinois insurance regulator company list, read 2026-10-18. IDOI 2025 Market Share Report: Property and Casualty (published March 2026, 2025 annual-statement data). Lists every company with Illinois business written on the P&C statement: licensed companies, surplus lines insurers and risk retention groups together, with no status/type flag, so type is '' for all rows and the list is NOT a certificate-of-authority roster (a licensed company with zero IL premium and zero losses is omitted; non-admitted writers are included). 'lines' = P&C statement lines of business the company reported IL premium or losses under (48 of 54 lines have entries), a proxy for lines of authority. No 'since' date in the source. No Illinois surplus lines eligibility list exists (IL has no white list). 26 companies had a name or domicile cell missing in at least one PDF row; filled from the same NAIC code's other rows. "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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