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Directory · Massachusetts · Commercial auto

Who writes commercial auto in Massachusetts

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

Safety Group wrote the most commercial auto in Massachusetts in 2025, $180.2M and 11.8% of the state's premium; the top five groups hold 47%. Massachusetts'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 Massachusetts page.

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

Top 10 · NAIC table: Total Commercial Auto

The insurer groups that write the most commercial auto in Massachusetts

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
1Safety Group$180.2M11.77%74%Safety Indemnity Insurance Company, Safety Insurance Company, Safety Northeast Insurance Company, Safety Property and Casualty Insurance Company
2Mapfre Insurance Group$160.5M10.48%52%Commerce West Insurance Company, MAPFRE Insurance Company, American Commerce Insurance Company, Auto Club MAPFRE Insurance Company
3Arbella Insurance Group$154.4M10.08%61%Arbella Indemnity Insurance Company, Inc., Arbella Mutual Insurance Company, Arbella Protection Insurance Company, Inc., Covenant Insurance Company
4Progressive Group$123.8M8.09%46%Progressive County Mutual Insurance Company, United Financial Casualty Company, Progressive Universal Insurance Company, Progressive Direct Insurance Company
5Travelers Group$99.4M6.49%56%Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
6Liberty Mutual Group$81.8M5.34%27%Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
7Plymouth Rock Insurance Group$65.6M4.28%59%Bunker Hill Insurance Casualty Company, Bunker Hill Insurance Company, Bunker Hill Preferred Insurance Company, Bunker Hill Property Insurance Company
8Wr Berkley Corporation Group$50.3M3.28%43%Berkley Assurance Company, Berkley National Insurance Company, Carolina Casualty Insurance Company, StarNet Insurance Company
9Tokio Marine Holdings Inc Group$49.6M3.24%50%Philadelphia Indemnity Insurance Company, Privilege Underwriters Reciprocal Exchange, PURE Risk Mgt, Atty-in-Fact, Safety National Casualty Corporation, Producers Agriculture Insurance Company
10Zurich Insurance Group$45.7M2.99%74%Zurich American Insurance Company, Rural Community Insurance Company, American Zurich Insurance Company, American Guarantee and Liability Insurance Company
Turned down?

Last resort for commercial auto in Massachusetts

Last resortLinesWhereHow to get in
Auto assigned-risk planspersonal auto, commercial autoall states (AIPSO runs CA CAARP and Low Cost Auto plus AK, AZ, CO, ID, MT, NV, NM, OR, UT, WA, WY; CAIP handles commercial auto)California CAARP: any CA fire and casualty licensee can get certified (application and license copy to [email protected]) Elsewhere the state's Automobile Insurance Plan administered by AIPSO (aipso.com), through any licensed agent.Source
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 Massachusetts insurance regulator company list, read 2026-10-18 and the surplus lines list. MA Division of Insurance 'Licensed Or Approved Companies' workbook dated October 1, 2026 (sheet XLSX_Approved_Worksheet, 2717 rows across 23 company types). admitted = licensed insurers only: types Property & Casualty, Life, Accident & Health, Title, Fraternal, Health Maintenance Organization, Hospital (M&D) Service Plan (850 Property & Casualty; filter on type). Left out: TPAs, risk purchasing groups, risk retention groups, accredited/certified/reciprocal reinsurers, PBMs, service contract providers and other non-insurer registrants. The master file carries no domicile, lines of authority or license date; its State column is the mailing address, not domicile. domicile is 'MA' only for companies on the DOI's Domestic P&C list, else blank. lines come from the DOI's per-designation lists (Auto Liability 6G, Workers' Compensation 6E, Fidelity & Surety 4G) and are partial: a P&C company with no lines here may still hold other designations. surplus_lines = company types 'Surplus Lines' and 'Reinsurer/Surplus Lines'; eligible date not published; alien inferred (Lloyd's of London or non-US address) since the file gives no domicile. Source list page: https://www.mass.gov/lists/massachusetts-licensed-insurance-companies. "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.

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