Directory · Montana · Inland marine

Who writes inland marine in Montana

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

Liberty Mutual Group wrote the most inland marine in Montana in 2025, $29.9M and 20.4% of the state's premium; the top five groups hold 44%. 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: 09.1 - Inland Marine

The insurer groups that write the most inland marine 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	Liberty Mutual Group	$29.9M	20.38%	47%	Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
2	Markel Group	$13.2M	9.03%	24%	State National Insurance Company, Inc., Markel Insurance Company, Markel American Insurance Company, Essentia Insurance Company
3	Allianz Insurance Group	$8.4M	5.75%	18%	Allianz Global Risks US Insurance Company, Jefferson Insurance Company, Fireman's Fund Insurance Company, AGCS Marine Insurance Company
4	Cincinnati Financial Group	$6.5M	4.42%	31%	Cincinnati Insurance Company (The), Cincinnati Casualty Company (The), Cincinnati Indemnity Company (The), Cincinnati Specialty Underwriters Insurance Company (The)
5	Zurich Insurance Group	$6.2M	4.20%	279%	Zurich American Insurance Company, Rural Community Insurance Company, American Zurich Insurance Company, American Guarantee and Liability Insurance Company
6	Chubb Ltd Group	$5.7M	3.88%	17%	Federal Insurance Company, Ace American Insurance Company, Ace Property and Casualty Insurance Company, Chubb Lloyd's Insurance Company of Texas
7	American International Group	$5.1M	3.51%	28%	National Union Fire Insurance Company of Pittsburgh, Pennsylvania, AIG Property Casualty Company, Lexington Insurance Company, AIU Insurance Company
8	Cna Insurance Group	$4.9M	3.31%	42%	Continental Casualty Company, Continental Insurance Company, (The), American Casualty Company of Reading, Pennsylvania, National Fire Insurance Company of Hartford
9	State Farm Group	$4.7M	3.19%	35%	State Farm Mutual Automobile Insurance Company, State Farm Fire and Casualty Company, State Farm Lloyds, State Farm General Insurance Company
10	Progressive Group	$4.1M	2.77%	47%	Progressive County Mutual Insurance Company, United Financial Casualty Company, Progressive Universal Insurance Company, Progressive Direct Insurance Company

Turned down?

Last resort for inland marine 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.

Need inland marine in Montana?

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.