
Who writes pet in Illinois
Ranked by direct premium written in 2025 from the Illinois market share report (every company, not a top-N list).
28 companies wrote pet in Illinois in 2025, $180.9M in direct premium. Independence American Insurance Company led with 21.4%; the top five hold 75%.
By Sam Alishahi, independent insurance broker · All lines in Illinois
The companies
| # | Company | NAIC | Home state | Status here | Premium | Share |
|---|---|---|---|---|---|---|
| 1 | Independence American Insurance Company | 26581 | DE | Admitted (licensed) | $38.6M | 21.35% |
| 2 | National Casualty Company | 11991 | OH | Admitted (licensed) | $38.1M | 21.06% |
| 3 | American Pet Insurance Company, Inc. | 12190 | NY | Admitted (licensed) | $32.1M | 17.75% |
| 4 | Metropolitan General Insurance Company | 39950 | RI | Admitted (licensed) | $13.6M | 7.52% |
| 5 | American Modern Home Insurance Company | 23469 | OH | Admitted (licensed) | $12.8M | 7.09% |
| 6 | Metromile Insurance Company | 16187 | NY | Admitted (licensed) | $10.9M | 6.01% |
| 7 | Westchester Fire Insurance Company | 10030 | PA | Admitted (licensed) | $9.1M | 5.02% |
| 8 | Lemonade Insurance Company | 16023 | NY | Admitted (licensed) | $7.8M | 4.33% |
| 9 | AXIS Insurance Company | 37273 | IL | Admitted (licensed) | $7.1M | 3.94% |
| 10 | Indemnity Insurance Company of North America | 43575 | PA | Admitted (licensed) | $4.6M | 2.57% |
| 11 | Ace American Insurance Company | 22667 | PA | Admitted (licensed) | $1.7M | 0.97% |
| 12 | North River Insurance Company (The) | 21105 | NJ | Admitted (licensed) | $703,657 | 0.39% |
| 13 | Accredited Surety and Casualty Company, Inc. | 26379 | FL | Admitted (licensed) | $696,522 | 0.39% |
| 14 | Trisura Insurance Company | 22225 | OK | Admitted (licensed) | $566,992 | 0.31% |
| 15 | Liberty Insurance Underwriters, Inc. | 19917 | IL | Admitted (licensed) | $561,786 | 0.31% |
| 16 | Incline Casualty Company | 11090 | TX | Admitted (licensed) | $389,938 | 0.22% |
| 17 | Markel American Insurance Company | 28932 | VA | Admitted (licensed) | $271,857 | 0.15% |
| 18 | United States Fire Insurance Company | 21113 | DE | Admitted (licensed) | $226,237 | 0.13% |
| 19 | National Specialty Insurance Company | 22608 | TX | Admitted (licensed) | $211,822 | 0.12% |
| 20 | Safeco Insurance Company of America | 24740 | NH | Admitted (licensed) | $158,310 | 0.09% |
| 21 | Palms Specialty Insurance Company, Inc. | 17327 | DE | Admitted (licensed) | $129,132 | 0.07% |
| 22 | Everspan Insurance Company | 24961 | AZ | Admitted (licensed) | $121,747 | 0.07% |
| 23 | Old Republic Insurance Company | 24147 | PA | Admitted (licensed) | $119,988 | 0.07% |
| 24 | Progressive Universal Insurance Company | 21727 | WI | Admitted (licensed) | $96,190 | 0.05% |
| 25 | XL Specialty Insurance Company | 37885 | DE | Admitted (licensed) | $77,087 | 0.04% |
| 26 | StarStone National Insurance Company | 25496 | DE | Admitted (licensed) | $12,569 | 0.01% |
| 27 | Independence Pet Insurance Company | 17543 | DE | Admitted (licensed) | $116 | 0.00% |
| 28 | First Chicago Insurance Company | 13587 | IL | Admitted (licensed) | $99 | 0.00% |
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.
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