Directory · Kentucky · Credit

Who writes credit in Kentucky

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

Tiptree Financial Group wrote the most credit in Kentucky in 2025, $22.4M and 48.1% of the state's premium; the top five groups hold 81%. 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: 28 - Credit

The insurer groups that write the most credit 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	Tiptree Financial Group	$22.4M	48.10%	9%	Lyndon Southern Insurance Company, Response Indemnity Company of California, Fortegra Specialty Insurance Company, Insurance Company of the South
2	American Financial Group	$7.3M	15.74%	32%	Great American Insurance Company, Great American Assurance Company, National Interstate Insurance Company, Great American Alliance Insurance Company
3	Allianz Insurance Group	$3.1M	6.56%	29%	Allianz Global Risks US Insurance Company, Jefferson Insurance Company, Fireman's Fund Insurance Company, AGCS Marine Insurance Company
4	Ohio Indemnity Company	$3.0M	6.35%	19%	—
5	Old Republic Group	$1.8M	3.76%	145%	Old Republic Insurance Company, Great West Casualty Company, BITCO General Insurance Corporation, Pennsylvania Manufacturers' Association Insurance Company
6	Allstate Insurance Group	$1.4M	3.09%	52%	Allstate Vehicle and Property Insurance Company, Allstate Fire and Casualty Insurance Company, Allstate Northbrook Indemnity Company, Allstate North American Insurance Company
7	Onemain Holdings Inc Group	$1.2M	2.54%	44%	Triton Insurance Company
8	Amtrust Financial Serv Group	$1.1M	2.45%	109%	Wesco Insurance Company, Technology Insurance Company, Inc., Security National Insurance Company, AmTrust Insurance Company
9	Arch Insurance Group	$1.1M	2.27%	81%	Arch Insurance (UK) Limited, Arch Mortgage Insurance Company, Arch Indemnity Insurance Company, Arch Specialty Insurance Company
10	Intact Financial Group	$611,000	1.31%	73%	Atlantic Specialty Insurance Company, Homeland Insurance Company of New York, OBI National Insurance Company, Homeland Insurance Company of Delaware

Turned down?

Last resort for credit 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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