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Directory · Louisiana · Commercial property (fire and allied lines)

Who writes commercial property (fire and allied lines) in Louisiana

Top insurer groups from the NAIC market share report; the state's own licensed-company list isn't available in a form a program can read.

Louisiana Citizens Property Insurance Corporation wrote the most commercial property (fire and allied lines) in Louisiana in 2025, $361.6M and 23.5% of the state's premium; the top five groups hold 61%. Louisiana doesn't publish a machine-readable list of every licensed company, so the ranking below is the NAIC's top 10 groups.

By Sam Alishahi, independent insurance broker · All lines in Louisiana

Top 10 · NAIC table: 02.1 - Allied Lines

The insurer groups that write the most commercial property (fire and allied lines) in Louisiana

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
1Louisiana Citizens Property Insurance Corporation$361.6M23.54%——
2Louisiana Citizens Property Ins.$361.6M23.54%——
3Safepoint Holdings Inc Group$87.0M5.67%5%Safepoint Insurance Company, Cajun Underwriters Reciprocal Exchange
4Berkshire Hathaway Group$65.8M4.28%10%GEICO General Insurance Company, GEICO Texas County Mutual Insurance Company, GEICO County Mutual Insurance Company, Government Employees Insurance Company
5Fm Group$56.3M3.66%4%Factory Mutual Insurance Company, Affiliated F M Insurance Company, Appalachian Insurance Company
6Zurich Insurance Group$46.4M3.02%60%Zurich American Insurance Company, Rural Community Insurance Company, American Zurich Insurance Company, American Guarantee and Liability Insurance Company
7Chubb Ltd Group$46.0M2.99%—Federal Insurance Company, Ace American Insurance Company, Ace Property and Casualty Insurance Company, Chubb Lloyd's Insurance Company of Texas
8Assurant Inc Group$34.2M2.23%12%Virginia Surety Company, Inc., American Bankers Insurance Company of Florida, American Security Insurance Company, Standard Guaranty Insurance Company
9Shelter Insurance Group$33.1M2.15%17%Shelter Mutual Insurance Company, Shelter General Insurance Company, Amshield Insurance Company, Haulers Insurance Company, Inc.
10Farmers Insurance Group$28.7M1.87%15%Farmers Insurance Exchange, Foremost Insurance Company Grand Rapids, Michigan, Mid-Century Insurance Company, Fire Insurance Exchange Fire Underwriters Association
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Last resort for commercial property (fire and allied lines) in Louisiana

Last resortLinesWhereHow to get in
Property FAIR Plansdwelling fire, homeowners, commercial propertyCA, CO, CT, IL, IN, IA, KS, KY, MN, MO, OH, OR, PA, TX, WI, WV, LA, DE, DC, GA, HI, MD, MA, MI, NJ, NM, NY, NC, RI, VA, FLEach state's plan; California: broker searches the regular market first, registers on the broker portal (cfpnet.com); a DIC wrap is optionalSource
Beach and windstorm poolswind, homeowners, commercial propertyTX, FL, LA, MS, AL, SC, NCTX TWIA, FL Citizens, LA Citizens, MS Windstorm UA, AL Insurance UA, SC Wind & Hail UA, NC IUA. Each plan's own siteSource
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

Top insurer groups from the NAIC market share report; the state's own licensed-company list isn't available in a form a program can read. "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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