Directory · Missouri · Equipment breakdown

Who writes equipment breakdown in Missouri

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

Fm Group wrote the most equipment breakdown in Missouri in 2025, $13.9M and 24.8% of the state's premium; the top five groups hold 60%. Missouri'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 Missouri page.

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

Top 10 · NAIC table: 27 - Boiler and Machinery

The insurer groups that write the most equipment breakdown in Missouri

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	$13.9M	24.81%	2%	Factory Mutual Insurance Company, Affiliated F M Insurance Company, Appalachian Insurance Company
2	American International Group	$8.3M	14.72%	31%	National Union Fire Insurance Company of Pittsburgh, Pennsylvania, AIG Property Casualty Company, Lexington Insurance Company, AIU Insurance Company
3	Chubb Ltd Group	$5.6M	10.01%	9%	Federal Insurance Company, Ace American Insurance Company, Ace Property and Casualty Insurance Company, Chubb Lloyd's Insurance Company of Texas
4	Zurich Insurance Group	$3.0M	5.36%	4%	Zurich American Insurance Company, Rural Community Insurance Company, American Zurich Insurance Company, American Guarantee and Liability Insurance Company
5	Travelers Group	$2.9M	5.16%	30%	Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
6	Axa Insurance Group	$2.4M	4.30%	19%	XL Specialty Insurance Company, XL Insurance America, Inc., Greenwich Insurance Company, \|Indian Harbor Insurance Company
7	Federated Mutual Group	$1.9M	3.46%	20%	Federated Mutual Insurance Company, Federated Reserve Insurance Company, Federated Service Insurance Company, Granite Re, Inc.
8	Liberty Mutual Group	$1.6M	2.80%	20%	Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
9	Nationwide Corporation Group	$1.5M	2.74%	8%	Nationwide Mutual Insurance Company, Nationwide Insurance Company of America, National Casualty Company, Nationwide General Insurance Company
10	ACUITY, A Mutual Insurance Company	$1.5M	2.74%	7%	—

Turned down?

Last resort for equipment breakdown in Missouri

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 Missouri insurance regulator company list, read 2026-10-18 and the surplus lines list. Admitted = every ACTIVE Missouri licensee (P&C, life, health, HMO, TPA, warranty, prepaid dental, etc.); filter on type. 'type' is the license Description from each company's detail page (e.g. 'Property and Casualty (Ch 379, RSMo)'); where a detail page was not read, type comes from Missouri market-share membership and is suffixed '(market share)'. 'lines' = lines of business with non-zero direct written premium in the 2025 Missouri market share report (licensed companies only). 'domicile' is only known for companies in the market share report. 'since' = Date Admitted from the detail page. Surplus lines list carries no NAIC code; naic filled by exact normalized-name match (naic_source says where), alien = domicile not a US state code. Detail-page crawl in progress; this file will be rewritten when it finishes. "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.

Need equipment breakdown in Missouri?

Someone will insure it. I find who.

Send what you need covered and what happened before. I match it to the companies that take it, down to the last-resort plan if it comes to that. I'm licensed in 48 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida and Washington, where my licenses are still being issued, a partner agency in your state helps in the meantime.

Get a Quote Call (877) 711-4545

Not shopping yet?

Get a reminder before your renewal.

Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.