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

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

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

Fm Group wrote the most commercial property (fire and allied lines) in Massachusetts in 2025, $82.2M and 15.7% of the state's premium; the top five groups hold 41%. 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: 02.1 - Allied Lines

The insurer groups that write the most commercial property (fire and allied lines) 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 group	Premium written	Share	Loss ratio	Member companies here
1	Fm Group	$82.2M	15.68%	9%	Factory Mutual Insurance Company, Affiliated F M Insurance Company, Appalachian Insurance Company
2	Travelers Group	$54.7M	10.42%	19%	Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
3	Zurich Insurance Group	$33.4M	6.36%	2%	Zurich American Insurance Company, Rural Community Insurance Company, American Zurich Insurance Company, American Guarantee and Liability Insurance Company
4	Andover Group	$25.5M	4.87%	33%	Cambridge Insurance Company, Merrimack Insurance Company, Bay State Insurance Company
5	Berkshire Hathaway Group	$21.5M	4.10%	31%	GEICO General Insurance Company, GEICO Texas County Mutual Insurance Company, GEICO County Mutual Insurance Company, Government Employees Insurance Company
6	American International Group	$20.2M	3.86%	17%	National Union Fire Insurance Company of Pittsburgh, Pennsylvania, AIG Property Casualty Company, Lexington Insurance Company, AIU Insurance Company
7	Everest Reinsurance Holdings Group	$17.8M	3.40%	21%	Everest National Insurance Company, Everest Premier Insurance Company, Everest Denali Insurance Company, Everest Reinsurance (Bermuda) Limited -
8	Selective Insurance Group	$17.2M	3.28%	26%	Selective Insurance Company of America, Selective Insurance Company of the Southeast, Selective Insurance Company of South Carolina, Mesa Underwriters Specialty Insurance Company
9	Assurant Inc Group	$16.9M	3.23%	5%	Virginia Surety Company, Inc., American Bankers Insurance Company of Florida, American Security Insurance Company, Standard Guaranty Insurance Company
10	Vermont Mutual Group	$16.2M	3.08%	31%	Granite Security Insurance Company, Northern Security Insurance Company, Inc., Vermont Mutual Insurance Company

Turned down?

Last resort for commercial property (fire and allied lines) in Massachusetts

Last resort	Lines	Where	How to get in
Property FAIR Plans	dwelling fire, homeowners, commercial property	CA, 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, FL	Each state's plan; California: broker searches the regular market first, registers on the broker portal (cfpnet.com); a DIC wrap is optional	Source
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 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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