Directory · Montana · Commercial property (fire and allied lines)

Who writes commercial property (fire and allied lines) 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 commercial property (fire and allied lines) in Montana in 2025, $17.0M and 19.9% of the state's premium; the top five groups hold 48%. 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: 02.1 - Allied Lines

The insurer groups that write the most commercial property (fire and allied lines) 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	$17.0M	19.85%	39%	Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
2	Farmers Insurance Group	$8.1M	9.47%	35%	Farmers Insurance Exchange, Foremost Insurance Company Grand Rapids, Michigan, Mid-Century Insurance Company, Fire Insurance Exchange Fire Underwriters Association
3	Cincinnati Financial Group	$5.9M	6.91%	139%	Cincinnati Insurance Company (The), Cincinnati Casualty Company (The), Cincinnati Indemnity Company (The), Cincinnati Specialty Underwriters Insurance Company (The)
4	Emc Insurance Co. Group	$4.9M	5.73%	38%	EMPLOYERS MUTUAL CASUALTY COMPANY Employers Mutual Casualty Company), EMCASCO Insurance Company, EMC PROPERTY \u0026 CASUALTY COMPANY, Union Insurance Company of Providence
5	United Serv Automobile Assn Group	$4.8M	5.60%	28%	United Services Automobile Association, USAA Reciprocal, Attorney-in-fact, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company
6	Fm Group	$4.3M	5.07%	1%	Factory Mutual Insurance Company, Affiliated F M Insurance Company, Appalachian Insurance Company
7	Munich Re Group	$3.2M	3.73%	73%	American Modern Property and Casualty Insurance Company, American Modern Home Insurance Company, American Alternative Insurance Corporation, Next Insurance US Company
8	ACUITY, A Mutual Insurance Company	$2.9M	3.38%	27%	—
9	American International Group	$2.7M	3.20%	—	National Union Fire Insurance Company of Pittsburgh, Pennsylvania, AIG Property Casualty Company, Lexington Insurance Company, AIU Insurance Company
10	Western National Mutual Group	$2.6M	3.04%	16%	Western National Mutual Insurance Company, Pioneer Specialty Insurance Company, Western National Assurance Company, American Freedom Insurance Company

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Last resort for commercial property (fire and allied lines) 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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