Directory · Kentucky · Warranty

Who writes warranty in Kentucky

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

Zurich Insurance Group wrote the most warranty in Kentucky in 2025, $3.1M and 30.6% of the state's premium; the top five groups hold 91%. 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: 30 - Warranty

The insurer groups that write the most warranty 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	Zurich Insurance Group	$3.1M	30.57%	69%	Zurich American Insurance Company, Rural Community Insurance Company, American Zurich Insurance Company, American Guarantee and Liability Insurance Company
2	Industrial Alliance Group	$2.3M	22.67%	59%	Dealers Assurance Company
3	Amtrust Financial Serv Group	$2.2M	22.39%	56%	Wesco Insurance Company, Technology Insurance Company, Inc., Security National Insurance Company, AmTrust Insurance Company
4	Old Republic Group	$905,000	9.04%	22%	Old Republic Insurance Company, Great West Casualty Company, BITCO General Insurance Corporation, Pennsylvania Manufacturers' Association Insurance Company
5	Tiptree Financial Group	$657,000	6.56%	38%	Lyndon Southern Insurance Company, Response Indemnity Company of California, Fortegra Specialty Insurance Company, Insurance Company of the South
6	First Mile Insurance Company	$415,000	4.15%	124%	—
7	Allstate Insurance Group	$154,000	1.54%	177%	Allstate Vehicle and Property Insurance Company, Allstate Fire and Casualty Insurance Company, Allstate Northbrook Indemnity Company, Allstate North American Insurance Company
8	Starr Group	$82,000	0.82%	26%	STARR INDEMNITY \u0026 LIABILITY COMPANY, Starr Surplus Lines Insurance Company, Starr Specialty Insurance Company
9	Progressive Group	$76,000	0.76%	10%	Progressive County Mutual Insurance Company, United Financial Casualty Company, Progressive Universal Insurance Company, Progressive Direct Insurance Company
10	Nationwide Corporation Group	$68,000	0.68%	5%	Nationwide Mutual Insurance Company, Nationwide Insurance Company of America, National Casualty Company, Nationwide General Insurance Company

Turned down?

Last resort for warranty 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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