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Directory · Kentucky · Farm and crop

Who writes farm and crop 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 farm and crop in Kentucky in 2025, $192.7M and 74.1% of the state's premium; the top five groups hold 88%. 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: 03 - Farmowners Multiple Peril

The insurer groups that write the most farm and crop 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 groupPremium writtenShareLoss ratioMember companies here
1Kentucky Farm Bureau Group$192.7M74.14%76%FB Insurance Company (The), Kentucky Farm Bureau Mutual Insurance Company
2Liberty Mutual Group$12.9M4.97%—Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
3State Farm Group$10.5M4.05%74%State Farm Mutual Automobile Insurance Company, State Farm Fire and Casualty Company, State Farm Lloyds, State Farm General Insurance Company
4Travelers Group$6.7M2.59%33%Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
5American Financial Group$6.7M2.57%55%Great American Insurance Company, Great American Assurance Company, National Interstate Insurance Company, Great American Alliance Insurance Company
6Westfield Group$5.6M2.17%117%Westfield Insurance Company, Westfield National Insurance Company, American Select Insurance Company, Westfield Specialty Insurance Company
7Celina Group$5.4M2.08%59%Celina Mutual Insurance Company (The), Miami Mutual Insurance Company, National Mutual Insurance Company (The)
8Virginia Farm Bureau Group$5.4M2.06%29%Countryway Insurance Company
9Nationwide Corporation Group$4.3M1.65%63%Nationwide Mutual Insurance Company, Nationwide Insurance Company of America, National Casualty Company, Nationwide General Insurance Company
10Shelter Insurance Group$3.8M1.46%84%Shelter Mutual Insurance Company, Shelter General Insurance Company, Amshield Insurance Company, Haulers Insurance Company, Inc.
Turned down?

Last resort for farm and crop in Kentucky

Last resortLinesWhereHow to get in
Surplus lines and Lloyd's open marketallall states, under each state's diligent-search rulesThrough surplus lines wholesalers; commercial property and liability have no guaranteed plan, so this is their last stepSource

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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