Directory · Umbrella and excess · Updated 2026-10-18
Umbrella and excess insurance companies
Every insurer licensed for umbrella and excess on the state regulator lists loaded so far, with NAIC numbers and where each is admitted or writes surplus lines, plus the largest writers where regulators publish premium by company.
101 companies are licensed for umbrella and excess in at least one of the loaded states; 5 of them also work as surplus lines insurers somewhere. Pick a state for the ranked list there.
By Sam Alishahi, independent insurance broker · All lines
By state
Umbrella and excess by state
- Colorado42 companies
- Illinois58 companies
- Missouri18 companies
- Nevada21 companies
- North Carolina14 companies
- Oregon15 companies
- South Dakota6 companies
- Wisconsin52 companies
All companies
Every insurer licensed for umbrella and excess
| Company | NAIC | Home state | Admitted in | Surplus lines in | Lines |
|---|---|---|---|---|---|
| Ace American Insurance Company | 22667 | PA | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +21 more |
| AIU Insurance Company | 19399 | NY | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +15 more |
| Allianz Underwriters Insurance Company | 36420 | IL | 6 | 21 | Equipment breakdown, Earthquake, Flood +5 more |
| American Alternative Insurance Corporation | 19720 | DE | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +18 more |
| American Builders Insurance Company Risk Retention Group, Inc. | 12631 | AL | 5 | 0 | Personal auto, General liability, Umbrella and excess |
| American Guarantee and Liability Insurance Company | 26247 | NY | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +17 more |
| American Zurich Insurance Company | 40142 | IL | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +19 more |
| Arch Insurance (UK) Limited | 11150 | MO | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +18 more |
| Benchmark Insurance Company | 41394 | KS | 34 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +15 more |
| Berkshire Hathaway Specialty Insurance Company | 22276 | NE | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +19 more |
| Bulldog National Risk Retention Group, Inc. | 16384 | NC | 7 | 0 | Personal auto, Commercial auto, Inland marine +2 more |
| Circle Star Insurance Company, A Risk Retention Group | 11839 | VT | 8 | 0 | Personal auto, Commercial auto, General liability +1 more |
| Consumer Specialties Insurance Company (Risk Retention Group) | 10075 | VT | 7 | 0 | General liability, Umbrella and excess |
| Continental Casualty Company | 20443 | IL | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +20 more |
| Continental Insurance Company, (The) | 35289 | PA | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +21 more |
| County Hall Insurance Company Inc., A Risk Retention Group | 15947 | NC | 6 | 0 | Personal auto, Commercial auto, Inland marine +2 more |
| Employers Insurance Company of Wausau | 21458 | WI | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +17 more |
| EMPLOYERS MUTUAL CASUALTY COMPANY Employers Mutual Casualty Company) | 21415 | IA | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +16 more |
| Everest National Insurance Company | 10120 | DE | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +16 more |
| Evolum Risk Retention Group, Inc. | 17646 | AL | 4 | 0 | Personal auto, Commercial auto, General liability +1 more |
| Fair American Insurance and Reinsurance Company | 35157 | NY | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +18 more |
| Federal Insurance Company | 20281 | IN | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +18 more |
| Fidelity and Guaranty Insurance Company | 35386 | IA | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +15 more |
| Fidelity and Guaranty Insurance Underwriters, Inc. | 25879 | WI | 33 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +17 more |
| General Reinsurance Corporation | 22039 | DE | 32 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +18 more |
| Genesis Insurance Company | 38962 | DE | 34 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +17 more |
| Government Technology Insurance Company Risk Retention Group Inc | 13973 | NV | 5 | 0 | Personal auto, General liability, Umbrella and excess |
| Gray Insurance Company (The) | 36307 | LA | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +11 more |
| Great American Insurance Company | 16691 | OH | 33 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +19 more |
| Great Midwest Insurance Company | 18694 | TX | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +15 more |
| Great Northern Insurance Company | 20303 | IN | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +17 more |
| Great West Casualty Company | 11371 | NE | 34 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +13 more |
| Hartford Casualty Insurance Company | 29424 | IN | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +17 more |
| Hartford Fire Insurance Company | 19682 | CT | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +20 more |
| HealthPartners Insurance Company | 44547 | MN | 5 | 0 | Umbrella and excess |
| Holman Transportation Risk Retention Group, Inc. | 16488 | AL | 7 | 0 | Personal auto, Commercial auto, General liability +1 more |
| Hudson Insurance Company | 25054 | DE | 34 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +18 more |
| Incline Casualty Company | 11090 | TX | 30 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +17 more |
| Ironshore Indemnity, Inc. | 23647 | IL | 35 | 0 | Personal auto, Equipment breakdown, Commercial auto +17 more |
| L M Insurance Corporation | 33600 | IL | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +17 more |
| Liberty Insurance Underwriters, Inc. | 19917 | IL | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +19 more |
| Liberty Mutual Fire Insurance Company | 23035 | WI | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +20 more |
| Liberty Mutual Insurance Company | 42404 | IL | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +18 more |
| Liberty Mutual Insurance Company | 23043 | MA | 33 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +18 more |
| Midwest Employers Casualty Company | 23612 | IA | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +16 more |
| Mitsui Sumitomo Insurance USA Inc. | 22551 | NY | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +17 more |
| Momentum Risk Retention Group Inc | 16626 | SC | 2 | 0 | Personal auto, General liability, Umbrella and excess |
| Motor Transport Mutual Risk Retention Group, Inc. | 16700 | AL | 8 | 0 | Personal auto, Commercial auto, Inland marine +2 more |
| National Independent Truckers Insurance Company A Risk Retention Gro | 11197 | SC | 7 | 0 | Personal auto, Commercial auto, General liability +1 more |
| National Transportation Insurance Company Risk Retention Group Llc | 16011 | MT | 5 | 0 | Personal auto, Commercial auto, General liability +1 more |
| National Union Fire Insurance Company of Pittsburgh, Pennsylvania | 19445 | PA | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +19 more |
| New York Marine and General Insurance Company | 16608 | NY | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +17 more |
| Old Republic Insurance Company | 24147 | PA | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +20 more |
| Pacific Indemnity Company | 20346 | DE | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +16 more |
| Paratransit Insurance Company, a Mutual Risk Retention Group | 44130 | TN | 8 | 0 | Personal auto, General liability, Umbrella and excess |
| PartnerRe America Insurance Company | 11835 | DE | 34 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +14 more |
| Pennsylvania Manufacturers' Association Insurance Company | 12262 | PA | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +12 more |
| Platinum Transport Insurance Risk Retention Group Inc. | 15796 | HI | 4 | 0 | Personal auto, Commercial auto, General liability +1 more |
| Polaris Insurance Company Risk Retention Group, Inc. | 17670 | AL | 3 | 0 | Personal auto, General liability, Umbrella and excess |
| Praetorian Insurance Company | 37257 | PA | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +16 more |
| Prescient National Insurance Company | 12773 | NC | 30 | 0 | General liability, Umbrella and excess, Workers' compensation |
| Princeton Excess and Surplus Lines Insurance Company (The) | 10786 | DE | 5 | 22 | Personal auto, Equipment breakdown, Commercial auto +11 more |
| ProSelect Insurance Company | 10638 | NE | 34 | 0 | Personal auto, General liability, Medical malpractice +5 more |
| Protective Insurance Company | 12416 | IN | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +13 more |
| QBE Insurance (Europe) Limited | 39217 | PA | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +20 more |
| Recover Insurance Company Risk Retention Group Inc | 16155 | HI | 3 | 0 | Personal auto, Commercial auto, General liability +1 more |
| Republic Indemnity Company of America | 22179 | CA | 26 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +11 more |
| RepWest Insurance Company | 31089 | AZ | 34 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +11 more |
| Safety National Casualty Corporation | 15105 | MO | 35 | 0 | Personal auto, Equipment breakdown, Commercial auto +12 more |
| Sentry Casualty Company | 28460 | WI | 35 | 0 | Personal auto, Equipment breakdown, Commercial auto +12 more |
| Sentry Insurance Company | 24988 | WI | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +18 more |
| SiriusPoint America Insurance Company | 38776 | NY | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +15 more |
| Skyraider Risk Retention Group, Inc. | 16863 | SC | 8 | 0 | Personal auto, Commercial auto, General liability +1 more |
| Small Fleet Advantage Risk Retention Group Inc | 16600 | SC | 5 | 0 | Personal auto, Commercial auto, General liability +1 more |
| Southwind Risk Retention Group, Inc. | 17198 | NC | 6 | 0 | Personal auto, Commercial auto, General liability +1 more |
| St. Paul Fire and Marine Insurance Company | 24767 | CT | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +18 more |
| St. Paul Guardian Insurance Company | 24775 | CT | 34 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +18 more |
| St. Paul Mercury Insurance Company | 24791 | CT | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +18 more |
| St. Paul Protective Insurance Company | 19224 | CT | 34 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +18 more |
| St. Paul Surplus Lines Insurance Company | 30481 | DE | 5 | 23 | Personal auto, Commercial auto, Commercial package (BOP, CMP) +5 more |
| Star Insurance Company | 18023 | MI | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +14 more |
| STAR Mutual Risk Retention Group, Inc. | 17024 | TN | 9 | 0 | Personal auto, Commercial auto, General liability +1 more |
| STARR INDEMNITY \u0026 LIABILITY COMPANY | 38318 | TX | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +18 more |
| State National Insurance Company, Inc. | 12831 | TX | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +17 more |
| Steadfast Insurance Company | 26387 | IL | 4 | 23 | Personal auto, Equipment breakdown, Commercial auto +12 more |
| Swiss Re Corporate Solutions America Insurance Corporation | 29874 | MO | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +17 more |
| Tokio Marine America Insurance Company | 10945 | NY | 34 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +16 more |
| TravCo Personal Insurance Company | 36463 | CT | 33 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +18 more |
| Travelers Casualty and Surety Company | 19038 | CT | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +18 more |
| Travelers Indemnity Company of America (The) | 25666 | CT | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +18 more |
| Travelers Indemnity Company of Connecticut (The) | 25682 | CT | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +16 more |
| Travelers Property Casualty Company of America | 25674 | CT | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +18 more |
| United Specialty Insurance Company | 12537 | TX | 6 | 22 | Aircraft and aviation, Personal auto, Equipment breakdown +18 more |
| United States Fidelity and Guaranty Company | 25887 | CT | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +17 more |
| Velocity Insurance Company, A Risk Retention Group | 15956 | SC | 9 | 0 | Personal auto, Commercial auto, General liability +1 more |
| Vigilant Insurance Company | 20397 | NY | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +16 more |
| Wellfleet Insurance Company | 32280 | IN | 33 | 0 | Personal auto, Equipment breakdown, Commercial auto +13 more |
| Westport Insurance Corporation | 39845 | MO | 33 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +16 more |
| Wisconsin Municipal Mutual Insurance Company | 27880 | WI | 1 | 0 | Personal auto, Commercial auto, General liability +2 more |
| XL Specialty Insurance Company | 37885 | DE | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +18 more |
| Zurich American Insurance Company | 16535 | NY | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +19 more |
Method and source
"Licensed for" comes from each state regulator's licensed lines on its public company list (grouped into common names); it means the company may write the line in that state, not that it sells it to every customer. Premium comes from the California and Texas market share reports. CSV · JSON.
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