Directory · Kentucky · Equipment breakdown

Who writes equipment breakdown in Kentucky

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

Fm Group wrote the most equipment breakdown in Kentucky in 2025, $20.8M and 43.5% of the state's premium; the top five groups hold 62%. Kentucky'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 Kentucky page.

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

Top 10 · NAIC table: 27 - Boiler and Machinery

The insurer groups that write the most equipment breakdown in Kentucky

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	Fm Group	$20.8M	43.50%	33%	Factory Mutual Insurance Company, Affiliated F M Insurance Company, Appalachian Insurance Company
2	Liberty Mutual Group	$3.0M	6.18%	—	Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
3	Chubb Ltd Group	$2.4M	4.94%	3%	Federal Insurance Company, Ace American Insurance Company, Ace Property and Casualty Insurance Company, Chubb Lloyd's Insurance Company of Texas
4	Travelers Group	$1.9M	3.92%	—	Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
5	Zurich Insurance Group	$1.8M	3.72%	—	Zurich American Insurance Company, Rural Community Insurance Company, American Zurich Insurance Company, American Guarantee and Liability Insurance Company
6	American International Group	$1.8M	3.72%	65%	National Union Fire Insurance Company of Pittsburgh, Pennsylvania, AIG Property Casualty Company, Lexington Insurance Company, AIU Insurance Company
7	Axa Insurance Group	$1.5M	3.23%	3%	XL Specialty Insurance Company, XL Insurance America, Inc., Greenwich Insurance Company, \|Indian Harbor Insurance Company
8	Tokio Marine Holdings Inc Group	$1.5M	3.18%	8%	Philadelphia Indemnity Insurance Company, Privilege Underwriters Reciprocal Exchange, PURE Risk Mgt, Atty-in-Fact, Safety National Casualty Corporation, Producers Agriculture Insurance Company
9	Munich Re Group	$1.2M	2.44%	—	American Modern Property and Casualty Insurance Company, American Modern Home Insurance Company, American Alternative Insurance Corporation, Next Insurance US Company
10	West Bend Insurance Group	$1.1M	2.26%	31%	West Bend Insurance Company

Turned down?

Last resort for equipment breakdown in Kentucky

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 Kentucky Department of Insurance company list, read 2026-10-17. "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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