Directory · Kansas · Commercial property (fire and allied lines)

Who writes commercial property (fire and allied lines) in Kansas

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.

Emc Insurance Co. Group wrote the most commercial property (fire and allied lines) in Kansas in 2025, $45.9M and 13.3% of the state's premium; the top five groups hold 40%. Kansas 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 Kansas

Top 10 · NAIC table: 02.1 - Allied Lines

The insurer groups that write the most commercial property (fire and allied lines) in Kansas

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	Emc Insurance Co. Group	$45.9M	13.35%	22%	EMPLOYERS MUTUAL CASUALTY COMPANY Employers Mutual Casualty Company), EMCASCO Insurance Company, EMC PROPERTY \u0026 CASUALTY COMPANY, Union Insurance Company of Providence
2	Farmers Insurance Group	$28.9M	8.41%	74%	Farmers Insurance Exchange, Foremost Insurance Company Grand Rapids, Michigan, Mid-Century Insurance Company, Fire Insurance Exchange Fire Underwriters Association
3	Shelter Insurance Group	$21.9M	6.37%	124%	Shelter Mutual Insurance Company, Shelter General Insurance Company, Amshield Insurance Company, Haulers Insurance Company, Inc.
4	Travelers Group	$21.1M	6.13%	4%	Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
5	Fm Group	$19.2M	5.58%	310%	Factory Mutual Insurance Company, Affiliated F M Insurance Company, Appalachian Insurance Company
6	Nationwide Corporation Group	$17.4M	5.05%	36%	Nationwide Mutual Insurance Company, Nationwide Insurance Company of America, National Casualty Company, Nationwide General Insurance Company
7	Berkshire Hathaway Group	$13.2M	3.84%	42%	GEICO General Insurance Company, GEICO Texas County Mutual Insurance Company, GEICO County Mutual Insurance Company, Government Employees Insurance Company
8	Federated Mutual Group	$12.6M	3.66%	29%	Federated Mutual Insurance Company, Federated Reserve Insurance Company, Federated Service Insurance Company, Granite Re, Inc.
9	Zurich Insurance Group	$11.4M	3.31%	16%	Zurich American Insurance Company, Rural Community Insurance Company, American Zurich Insurance Company, American Guarantee and Liability Insurance Company
10	Liberty Mutual Group	$10.8M	3.13%	75%	Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company

Turned down?

Last resort for commercial property (fire and allied lines) in Kansas

Last resort	Lines	Where	How to get in
Property FAIR Plans	dwelling fire, homeowners, commercial property	CA, CO, CT, IL, IN, IA, KS, KY, MN, MO, OH, OR, PA, TX, WI, WV, LA, DE, DC, GA, HI, MD, MA, MI, NJ, NM, NY, NC, RI, VA, FL	Each state's plan; California: broker searches the regular market first, registers on the broker portal (cfpnet.com); a DIC wrap is optional	Source
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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