Directory · Minnesota · Workers' compensation

Who writes workers' compensation in Minnesota

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

Sfm Group wrote the most workers' compensation in Minnesota in 2025, $145.7M and 14.3% of the state's premium; the top five groups hold 36%. 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: 16 - Workers Compensation

The insurer groups that write the most workers' compensation 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	Sfm Group	$145.7M	14.30%	43%	SFM Mutual Insurance Company, SFM Safe Insurance Company, SFM Select Insurance Company
2	Travelers Group	$75.0M	7.36%	53%	Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
3	Liberty Mutual Group	$52.2M	5.12%	78%	Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
4	Hartford Fire & Casualty Group	$46.2M	4.53%	50%	Hartford Fire Insurance Company, Hartford Underwriters Insurance Company, Hartford Casualty Insurance Company, Twin City Fire Insurance Company (The)
5	Zurich Insurance Group	$43.6M	4.28%	66%	Zurich American Insurance Company, Rural Community Insurance Company, American Zurich Insurance Company, American Guarantee and Liability Insurance Company
6	Amtrust Financial Serv Group	$40.7M	3.99%	42%	Wesco Insurance Company, Technology Insurance Company, Inc., Security National Insurance Company, AmTrust Insurance Company
7	Chubb Ltd Group	$40.1M	3.94%	23%	Federal Insurance Company, Ace American Insurance Company, Ace Property and Casualty Insurance Company, Chubb Lloyd's Insurance Company of Texas
8	Auto Owners Group	$35.3M	3.47%	63%	Auto-Owners Insurance Company, Owners Insurance Company, California Capital Insurance Company, Monterey Insurance Company
9	Bcbs of Mi Group	$34.0M	3.34%	39%	Accident Fund Insurance Company of America, Star Insurance Company, Compwest Insurance Company, Accident Fund General Insurance Company
10	Federated Mutual Group	$32.9M	3.23%	42%	Federated Mutual Insurance Company, Federated Reserve Insurance Company, Federated Service Insurance Company, Granite Re, Inc.

Turned down?

Last resort for workers' compensation in Minnesota

Last resort	Lines	Where	How to get in
Workers' comp residual markets	workers' comp	NCCI pools in 27 jurisdictions; monopolistic state funds in ND, OH, WA, WY; CA State Compensation Insurance Fund is the statutory last resort	NCCI online application (ACORD 130 and 133); NCCI's VCAP flags voluntary carriers interested in the risk; NC and MA use their own systems Texas has no residual market (coverage is optional for most Texas employers).	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 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.

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