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Directory · Massachusetts · Credit

Who writes credit in Massachusetts

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

Ohio Indemnity Co. wrote the most credit in Massachusetts in 2025, $32.2M and 41.1% of the state's premium; the top five groups hold 83%. 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: 28 - Credit

The insurer groups that write the most credit 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
1Ohio Indemnity Company$32.2M41.08%77%—
2Intact Financial Group$10.8M13.81%57%Atlantic Specialty Insurance Company, Homeland Insurance Company of New York, OBI National Insurance Company, Homeland Insurance Company of Delaware
3American Financial Group$10.7M13.58%28%Great American Insurance Company, Great American Assurance Company, National Interstate Insurance Company, Great American Alliance Insurance Company
4Allianz Insurance Group$6.3M8.05%15%Allianz Global Risks US Insurance Company, Jefferson Insurance Company, Fireman's Fund Insurance Company, AGCS Marine Insurance Company
5Arch Insurance Group$5.3M6.77%25%Arch Insurance (UK) Limited, Arch Mortgage Insurance Company, Arch Indemnity Insurance Company, Arch Specialty Insurance Company
6Tiptree Financial Group$2.6M3.30%—Lyndon Southern Insurance Company, Response Indemnity Company of California, Fortegra Specialty Insurance Company, Insurance Company of the South
7Atradius Trade Credit Insurance, Inc.$2.4M3.11%41%—
8Amtrust Financial Serv Group$1.8M2.31%46%Wesco Insurance Company, Technology Insurance Company, Inc., Security National Insurance Company, AmTrust Insurance Company
9American International Group$1.4M1.75%—National Union Fire Insurance Company of Pittsburgh, Pennsylvania, AIG Property Casualty Company, Lexington Insurance Company, AIU Insurance Company
10Allstate Insurance Group$1.1M1.45%93%Allstate Vehicle and Property Insurance Company, Allstate Fire and Casualty Insurance Company, Allstate Northbrook Indemnity Company, Allstate North American Insurance Company
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Last resort for credit in Massachusetts

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 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.

Open to use. Cite "Alishahi Insurance insurance company directory" and link here. CSV · JSON.

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