Directory · Kentucky · Commercial package (BOP, CMP)

Who writes commercial package (BOP, CMP) in Kentucky

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

Kentucky Farm Bureau Group wrote the most commercial package (BOP, CMP) in Kentucky in 2025, $114.7M and 12.7% of the state's premium; the top five groups hold 46%. 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: 05 - Total Commercial Multiple Peril

The insurer groups that write the most commercial package (BOP, CMP) 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	Kentucky Farm Bureau Group	$114.7M	12.73%	93%	FB Insurance Company (The), Kentucky Farm Bureau Mutual Insurance Company
2	Erie Insurance Group	$92.8M	10.30%	93%	Erie Insurance Exchange, Erie Insurance Company, Flagship City Insurance Company, Erie Insurance Company of New York
3	Cincinnati Financial Group	$73.1M	8.11%	84%	Cincinnati Insurance Company (The), Cincinnati Casualty Company (The), Cincinnati Indemnity Company (The), Cincinnati Specialty Underwriters Insurance Company (The)
4	Auto Owners Group	$69.0M	7.66%	16%	Auto-Owners Insurance Company, Owners Insurance Company, California Capital Insurance Company, Monterey Insurance Company
5	Travelers Group	$64.2M	7.13%	86%	Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
6	Chubb Ltd Group	$40.9M	4.54%	32%	Federal Insurance Company, Ace American Insurance Company, Ace Property and Casualty Insurance Company, Chubb Lloyd's Insurance Company of Texas
7	Liberty Mutual Group	$34.5M	3.83%	535%	Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
8	State Farm Group	$29.7M	3.30%	85%	State Farm Mutual Automobile Insurance Company, State Farm Fire and Casualty Company, State Farm Lloyds, State Farm General Insurance Company
9	Westfield Group	$21.7M	2.41%	73%	Westfield Insurance Company, Westfield National Insurance Company, American Select Insurance Company, Westfield Specialty Insurance Company
10	Brotherhood Mutual Insurance Company	$21.6M	2.40%	78%	—

Turned down?

Last resort for commercial package (BOP, CMP) 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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