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Directory · Michigan · Commercial package (BOP, CMP)

Who writes commercial package (BOP, CMP) in Michigan

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.

Auto Owners Group wrote the most commercial package (BOP, CMP) in Michigan in 2025, $216.4M and 12.0% of the state's premium; the top five groups hold 35%. Michigan 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 Michigan

Top 10 · NAIC table: 05 - Total Commercial Multiple Peril

The insurer groups that write the most commercial package (BOP, CMP) in Michigan

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
1Auto Owners Group$216.4M12.01%46%Auto-Owners Insurance Company, Owners Insurance Company, California Capital Insurance Company, Monterey Insurance Company
2Michigan Farm Bureau Group$122.2M6.79%69%Cincinnati Equitable Insurance Company, Farm Bureau Mutual Insurance Company of Michigan
3Travelers Group$116.9M6.49%49%Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
4Chubb Ltd Group$97.1M5.39%18%Federal Insurance Company, Ace American Insurance Company, Ace Property and Casualty Insurance Company, Chubb Lloyd's Insurance Company of Texas
5Frankenmuth Group$84.2M4.67%56%Frankenmuth Insurance Company, Ansur America Insurance Company, Patriot Insurance Company
6The Hanover Insurance Group$80.0M4.44%38%Hanover Insurance Company (The), Allmerica Financial Benefit Insurance Company, Massachusetts Bay Insurance Company, Citizens Insurance Company of America
7Cincinnati Financial Group$76.4M4.24%31%Cincinnati Insurance Company (The), Cincinnati Casualty Company (The), Cincinnati Indemnity Company (The), Cincinnati Specialty Underwriters Insurance Company (The)
8Tokio Marine Holdings Inc Group$75.1M4.17%48%Philadelphia Indemnity Insurance Company, Privilege Underwriters Reciprocal Exchange, PURE Risk Mgt, Atty-in-Fact, Safety National Casualty Corporation, Producers Agriculture Insurance Company
9Hartford Fire & Casualty Group$75.1M4.17%43%Hartford Fire Insurance Company, Hartford Underwriters Insurance Company, Hartford Casualty Insurance Company, Twin City Fire Insurance Company (The)
10Automobile Club Mi Group$73.7M4.09%42%Auto Club Insurance Association, The Members Ins Co, Auto Club Group Insurance Company, Universal Insurance Company
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Last resort for commercial package (BOP, CMP) in Michigan

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

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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