Directory · Indiana · Flood

Who writes flood in Indiana

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.

Liberty Mutual Group wrote the most flood in Indiana in 2025, $4.2M and 28.0% of the state's premium; the top five groups hold 65%. Indiana 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 Indiana

Top 10 · NAIC table: 02.5 - Private Flood

The insurer groups that write the most flood in Indiana

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	Liberty Mutual Group	$4.2M	28.00%	0%	Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
2	Axa Insurance Group	$2.0M	13.21%	40%	XL Specialty Insurance Company, XL Insurance America, Inc., Greenwich Insurance Company, \|Indian Harbor Insurance Company
3	Allianz Insurance Group	$1.4M	9.32%	2%	Allianz Global Risks US Insurance Company, Jefferson Insurance Company, Fireman's Fund Insurance Company, AGCS Marine Insurance Company
4	Swiss Re Group	$1.2M	7.84%	10%	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
5	Berkshire Hathaway Group	$999,000	6.63%	47%	GEICO General Insurance Company, GEICO Texas County Mutual Insurance Company, GEICO County Mutual Insurance Company, Government Employees Insurance Company
6	Assurant Inc Group	$932,000	6.18%	24%	Virginia Surety Company, Inc., American Bankers Insurance Company of Florida, American Security Insurance Company, Standard Guaranty Insurance Company
7	Sompo Group	$843,000	5.59%	—	American Agri-Business Insurance Company, Endurance Assurance Corporation, Endurance American Insurance Company, Sompo America Insurance Company
8	American International Group	$788,000	5.23%	146%	National Union Fire Insurance Company of Pittsburgh, Pennsylvania, AIG Property Casualty Company, Lexington Insurance Company, AIU Insurance Company
9	Allstate Insurance Group	$530,000	3.51%	19%	Allstate Vehicle and Property Insurance Company, Allstate Fire and Casualty Insurance Company, Allstate Northbrook Indemnity Company, Allstate North American Insurance Company
10	Ms & Ad Insurance Group	$458,000	3.04%	326%	Mitsui Sumitomo Insurance Company of America, MS Transverse Insurance Company, MS Transverse Specialty Insurance Company, Mitsui Sumitomo Insurance USA Inc.

Turned down?

Last resort for flood in Indiana

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

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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