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Directory · Michigan · Updated 2026-10-18
Insurance companies licensed in Michigan
Every property and casualty insurer admitted in Michigan and every eligible surplus lines insurer, with NAIC numbers, the lines each is licensed for, who writes the most of each line, and the market of last resort when nobody else will.
Michigan's regulator doesn't publish a company list that can be read by machine (or it's behind a CAPTCHA or terms that bar automated use), so this page shows what public sources do say: 221 sureties licensed in Michigan per the U.S. Treasury, 55 insurers domiciled here, the state's markets of last resort, and each company's standing in the states that do publish lists.
By Sam Alishahi, independent insurance broker · All states
The market
Who can insure you in Michigan
0licensed (admitted) property and casualty insurers known from other states' lists and Treasury data
0eligible surplus lines insurers for hard-to-place risks
221Treasury-certified sureties licensed here
55insurers domiciled in Michigan
Bonds
Treasury-certified sureties licensed in Michigan
Companies on the U.S. Treasury's Circular 570 (acceptable sureties on federal bonds) that list a Michigan license, with each one's federal underwriting limit.
Companies
Insurers domiciled in Michigan
55 property and casualty insurers have their home office in Michigan. Each company page shows where it is admitted or eligible for surplus lines among the states whose lists are loaded.
| Company | NAIC | Home state | Admitted in | Surplus lines in | Lines |
|---|---|---|---|---|---|
| Accident Fund General Insurance Company | 12304 | MI | 32 | 0 | Personal auto, Equipment breakdown, Commercial auto +11 more |
| Accident Fund Insurance Company of America | 10166 | MI | 35 | 0 | Personal auto, Equipment breakdown, Commercial auto +13 more |
| Accident Fund National Insurance Company | 12305 | MI | 32 | 0 | Personal auto, Equipment breakdown, Crime (burglary and theft) +10 more |
| Allmerica Financial Benefit Insurance Company | 41840 | MI | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +16 more |
| American Physicians Assurance Corporation | — | MI | 1 | 0 | — |
| American Road Insurance Company (The) | 19631 | MI | 35 | 0 | Personal auto, Commercial auto, Fidelity bonds +7 more |
| Amerisure Insurance Company | 19488 | MI | 34 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +15 more |
| Amerisure Mutual Insurance Company | 23396 | MI | 33 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +15 more |
| Amerisure Partners Insurance Company | 11050 | MI | 32 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +12 more |
| Ameritrust Insurance Corporation | 10665 | MI | 8 | 0 | Personal auto, Commercial auto, Commercial package (BOP, CMP) +8 more |
| Ansur America Insurance Company | 10984 | MI | 17 | 0 | Personal auto, Equipment breakdown, Commercial auto +11 more |
| Ardellis Insurance Ltd. (UNITED STATES BRANCH) | 16141 | MI | 5 | 15 | Commercial package (BOP, CMP), General liability |
| Aspida Life Re Ltd | — | MI | 2 | 0 | — |
| Atain Specialty Insurance Company | 17159 | MI | 7 | 21 | Earthquake, Homeowners, Inland marine +3 more |
| Auto Club Group Insurance Company | 21210 | MI | 4 | 0 | Personal auto, Homeowners, General liability |
| Auto Club Insurance Association | 21202 | MI | 7 | 0 | Personal auto, Homeowners, Inland marine +1 more |
| Auto Club Property-Casualty Insurance Company | 11983 | MI | 8 | 0 | — |
| Auto-Owners Insurance Company | 18988 | MI | 22 | 0 | Personal auto, Equipment breakdown, Commercial auto +14 more |
| Cherokee Insurance Company | 10642 | MI | 33 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +13 more |
| CIM Insurance Corporation | 22004 | MI | 29 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +11 more |
| Citizens Insurance Company of America | 31534 | MI | 32 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +15 more |
| Conifer Insurance Company | — | MI | 0 | 1 | — |
| Dorinco Reinsurance Company | 33499 | MI | 17 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +16 more |
| Farm Bureau Mutual Insurance Company of Michigan | 21555 | MI | 6 | 0 | — |
| Farmers Specialty Insurance Company | 43699 | MI | 8 | 0 | Personal auto, General liability, Mobile home +1 more |
| Farmers Specialty Insurance Company | — | MI | 3 | 0 | — |
| Foremost Insurance Company Grand Rapids, Michigan | 11185 | MI | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +18 more |
| Foremost Property and Casualty Insurance Company | 11800 | MI | 35 | 0 | Personal auto, Equipment breakdown, Commercial auto +15 more |
| Foremost Signature Insurance Company | 41513 | MI | 33 | 0 | Personal auto, Equipment breakdown, Commercial auto +15 more |
| Fortuity Insurance Company | 10985 | MI | 11 | 0 | Personal auto, Equipment breakdown, Farm and crop +9 more |
| Fortuity Insurance Company | — | MI | 1 | 0 | — |
| Frankenmuth Insurance Company | 13986 | MI | 32 | 0 | Personal auto, Equipment breakdown, Commercial auto +13 more |
| Fremont Insurance Company | 13994 | MI | 2 | 0 | Personal auto, Commercial auto, Commercial package (BOP, CMP) +3 more |
| Harleysville Lake States Insurance Company | — | MI | 1 | 0 | — |
| Hastings Insurance Company | 14176 | MI | 11 | 0 | Personal auto, Commercial auto, Commercial package (BOP, CMP) +6 more |
| Home-Owners Insurance Company | 26638 | MI | 12 | 0 | General liability, Ocean marine, Commercial property (fire and allied lines) +2 more |
| Home-Owners Insurance Company | — | MI | 2 | 0 | — |
| iQUE Insurance Company | 10998 | MI | 4 | 0 | General liability, Workers' compensation |
| Meemic Insurance Company | 16101 | MI | 6 | 0 | Personal auto, Homeowners, General liability +2 more |
| MemberSelect Insurance Company | 21229 | MI | 10 | 0 | Personal auto, Homeowners, Inland marine +3 more |
| MIC Property and Casualty Insurance Corporation | 38601 | MI | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +17 more |
| Michigan Millers Mutual Insurance Company | 14508 | MI | 17 | 0 | Commercial package (BOP, CMP), Fidelity bonds, General liability +4 more |
| Michigan Professional Insurance Exchange | 31429 | MI | 1 | 0 | — |
| Motors Insurance Corporation | 22012 | MI | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +14 more |
| ProCentury Insurance Company | 21903 | MI | 23 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +14 more |
| Progressive Marathon Insurance Company | 37605 | MI | 3 | 0 | — |
| Progressive Michigan Insurance Company | 10187 | MI | 1 | 0 | — |
| Retailers Insurance Company | 12471 | MI | 3 | 0 | General liability, Workers' compensation |
| Southern-Owners Insurance Company | 10190 | MI | 2 | 0 | Personal auto, Commercial auto, Commercial package (BOP, CMP) +7 more |
| Star Insurance Company | 18023 | MI | 35 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +14 more |
| Triassic Insurance Company | 29734 | MI | 5 | 18 | Personal auto, Equipment breakdown, Commercial auto +5 more |
| USA Underwriters Insurance Company | 30457 | MI | 3 | 0 | Personal auto, General liability, Ocean marine +2 more |
| White Pine Insurance Company | 11932 | MI | 27 | 0 | Personal auto, Equipment breakdown, Commercial auto +10 more |
| Williamsburg National Insurance Company | 25780 | MI | 24 | 0 | Aircraft and aviation, Personal auto, Equipment breakdown +12 more |
| Wolverine Insurance Company | 15407 | MI | 1 | 0 | General liability |
Method and source
Michigan publishes its company list through a lookup that can't be read by a program, so the table above is built from the other states' lists, NAIC numbers, the U.S. Treasury's surety list and market share reports. A company missing here may still be licensed in Michigan; check the regulator's lookup. Lines are the regulator's licensed lines grouped into common names; a license to write a line doesn't mean a company sells it to every kind of customer. "Admitted" means licensed by the state and backed by its guaranty fund; "surplus lines" means eligible to take risks the admitted market declines, without rate or form approval and without guaranty fund protection.
Open to use. Cite "Alishahi Insurance insurance company directory" and link to this page. Download every company: CSV · JSON.
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