Directory · Minnesota · Farm and crop

Who writes farm and crop in Minnesota

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

Zurich Insurance Group wrote the most farm and crop in Minnesota in 2025, $279.1M and 25.6% of the state's premium; the top five groups hold 84%. Minnesota'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 Minnesota page.

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

Top 10 · NAIC table: 02.2 - Multiple Peril Crop

The insurer groups that write the most farm and crop in Minnesota

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	Zurich Insurance Group	$279.1M	25.55%	—	Zurich American Insurance Company, Rural Community Insurance Company, American Zurich Insurance Company, American Guarantee and Liability Insurance Company
2	Qbe Insurance Group	$241.1M	22.07%	68%	NAU Country Insurance Company, QBE Insurance (Europe) Limited, Praetorian Insurance Company, QBE Specialty Insurance Company
3	Farmers Mutual Hail Insurance Group	$150.2M	13.76%	46%	Farmers Mutual Hail Insurance Company of Iowa, FMH Ag Risk Insurance Company
4	Sompo Group	$141.6M	12.97%	89%	American Agri-Business Insurance Company, Endurance Assurance Corporation, Endurance American Insurance Company, Sompo America Insurance Company
5	Chubb Ltd Group	$101.6M	9.31%	61%	Federal Insurance Company, Ace American Insurance Company, Ace Property and Casualty Insurance Company, Chubb Lloyd's Insurance Company of Texas
6	American Financial Group	$87.7M	8.03%	62%	Great American Insurance Company, Great American Assurance Company, National Interstate Insurance Company, Great American Alliance Insurance Company
7	Tokio Marine Holdings Inc Group	$59.0M	5.40%	59%	Philadelphia Indemnity Insurance Company, Privilege Underwriters Reciprocal Exchange, PURE Risk Mgt, Atty-in-Fact, Safety National Casualty Corporation, Producers Agriculture Insurance Company
8	Palomar Holdings Group	$13.1M	1.20%	29%	Palomar Specialty Insurance Company, Palomar Excess and Surplus Insurance Company, First Indemnity of America Insurance Company, Laulima Exchange
9	American Agricultural Insurance Company DBA: AmericanAg	$9.7M	0.89%	22%	—
10	Nodak Mutual Group	$4.6M	0.42%	43%	American West Insurance Company, Direct Auto Ins Co, Primero Insurance Company, Battle Creek Mutual Insurance Company

Turned down?

Last resort for farm and crop in Minnesota

Last resort	Lines	Where	How to get in
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 Minnesota insurance regulator company list, read 2026-10-18 and the surplus lines list. Minnesota Dept. of Commerce 'Insurance Supplement' financial summaries. admitted = every licensed Property and Casualty insurer (Domestic + Foreign and Alien), data year 2023, 921 rows (PDF total 921); P&C only (life/health insurers are a separate PDF, not included), so type is 'Property and Casualty' for all rows. No NAIC codes, no lines of authority and no license dates in the source: match by name + domicile. Rows with a status instead of financials (e.g. Liquidation) keep it in 'status'. surplus_lines = 'Eligible Property and Casualty Insurers, Surplus Lines--Foreign' (154) and '--Aliens' (21), data year 2021 (no 2023 edition published); these are the surplus lines insurers that reported Minnesota business, not an official eligibility roster (Commerce keeps none; Minn. Stat. 60A.206). Alien domicile codes are the PDF's own 2-letter country codes (UK, GE, IR, BU, BB, IT ...). The same PDF's accredited reinsurers (13) and registered risk retention groups (90) are excluded from surplus_lines. Source footer: unaudited, may contain inadvertent errors. "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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