Directory · Montana · Equipment breakdown

Who writes equipment breakdown in Montana

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 Montana in 2025, $1.2M and 10.1% of the state's premium; the top five groups hold 46%. Montana'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 Montana page.

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

Top 10 · NAIC table: 27 - Boiler and Machinery

The insurer groups that write the most equipment breakdown in Montana

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	$1.2M	10.12%	0%	Factory Mutual Insurance Company, Affiliated F M Insurance Company, Appalachian Insurance Company
2	Mountain West Farm Group	$1.2M	10.11%	2%	360 Insurance Company, Mountain West Farm Bureau Mutual Insurance
3	American International Group	$1.2M	9.99%	56%	National Union Fire Insurance Company of Pittsburgh, Pennsylvania, AIG Property Casualty Company, Lexington Insurance Company, AIU Insurance Company
4	Cincinnati Financial Group	$1.0M	8.67%	35%	Cincinnati Insurance Company (The), Cincinnati Casualty Company (The), Cincinnati Indemnity Company (The), Cincinnati Specialty Underwriters Insurance Company (The)
5	Emc Insurance Co. Group	$817,000	6.92%	12%	EMPLOYERS MUTUAL CASUALTY COMPANY Employers Mutual Casualty Company), EMCASCO Insurance Company, EMC PROPERTY \u0026 CASUALTY COMPANY, Union Insurance Company of Providence
6	Travelers Group	$686,000	5.81%	28%	Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
7	Western National Mutual Group	$678,000	5.74%	—	Western National Mutual Insurance Company, Pioneer Specialty Insurance Company, Western National Assurance Company, American Freedom Insurance Company
8	Chubb Ltd Group	$566,000	4.80%	8%	Federal Insurance Company, Ace American Insurance Company, Ace Property and Casualty Insurance Company, Chubb Lloyd's Insurance Company of Texas
9	Munich Re Group	$503,000	4.26%	—	American Modern Property and Casualty Insurance Company, American Modern Home Insurance Company, American Alternative Insurance Corporation, Next Insurance US Company
10	Nationwide Corporation Group	$471,000	3.99%	17%	Nationwide Mutual Insurance Company, Nationwide Insurance Company of America, National Casualty Company, Nationwide General Insurance Company

Turned down?

Last resort for equipment breakdown in Montana

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 Montana insurance regulator company list, read 2026-10-18 and the surplus lines list. Admitted: no static list of admitted/licensed companies is published on csimt.gov (company lookup is one-at-a-time; 2025 annual report has no company appendix) - admitted left empty. Surplus lines: 'Eligible Surplus Lines Companies' XLSX (sheet '10-14-2026') with COMPANY_NAME | NAIC_COCODE | DOMICILE_STATE; no eligibility date given; every row is US-domiciled (no Lloyd's or other alien insurers on this list - alien insurers are not covered by it); alien = domicile not a US state/territory code (raw kept in domicile_raw). csimt.gov Crawl-delay 10 honored. "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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