Modern two-story house with a pool
Directory · North Carolina · Commercial package (BOP, CMP)

Who writes commercial package (BOP, CMP) in North Carolina

Ranked by direct premium written in 2025 from the North Carolina market share report (every company, not a top-N list).

361 companies wrote commercial package (BOP, CMP) in North Carolina in 2025, $1.72B in direct premium. Erie Insurance Company led with 9.0%; the top five hold 26%. 371 companies are licensed for the line.

By Sam Alishahi, independent insurance broker · All lines in North Carolina

Top 10 · NAIC table: 05 - Total Commercial Multiple Peril

The insurer groups that write the most commercial package (BOP, CMP) in North Carolina

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 groupPremium writtenShareLoss ratioMember companies here
1Erie Insurance Group$181.7M10.55%36%Erie Insurance Exchange, Erie Insurance Company, Flagship City Insurance Company, Erie Insurance Company of New York
2Travelers Group$172.3M10.00%32%Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
3Auto Owners Group$143.7M8.34%34%Auto-Owners Insurance Company, Owners Insurance Company, California Capital Insurance Company, Monterey Insurance Company
4Cincinnati Financial Group$121.7M7.06%37%Cincinnati Insurance Company (The), Cincinnati Casualty Company (The), Cincinnati Indemnity Company (The), Cincinnati Specialty Underwriters Insurance Company (The)
5Hartford Fire & Casualty Group$91.8M5.33%32%Hartford Fire Insurance Company, Hartford Underwriters Insurance Company, Hartford Casualty Insurance Company, Twin City Fire Insurance Company (The)
6Chubb Ltd Group$80.4M4.67%158%Federal Insurance Company, Ace American Insurance Company, Ace Property and Casualty Insurance Company, Chubb Lloyd's Insurance Company of Texas
7Tokio Marine Holdings Inc Group$58.2M3.38%30%Philadelphia Indemnity Insurance Company, Privilege Underwriters Reciprocal Exchange, PURE Risk Mgt, Atty-in-Fact, Safety National Casualty Corporation, Producers Agriculture Insurance Company
8Liberty Mutual Group$52.1M3.02%93%Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
9Builders Group$51.2M2.97%47%Builders Mutual Insurance Company, Builders Premier Insurance Company, Builders Alliance Insurance Company
10State Farm Group$47.9M2.78%43%State Farm Mutual Automobile Insurance Company, State Farm Fire and Casualty Company, State Farm Lloyds, State Farm General Insurance Company
Commercial package (BOP, CMP) · North Carolina

The companies

#CompanyNAICHome stateStatus herePremiumShare
1Erie Insurance Company26263PAAdmitted (licensed)$155.3M9.02%
2Cincinnati Insurance Company (The)10677OHAdmitted (licensed)$101.7M5.90%
3Owners Insurance Company32700OHAdmitted (licensed)$92.5M5.37%
4Auto-Owners Insurance Company18988MIAdmitted (licensed)$51.2M2.97%
5Philadelphia Indemnity Insurance Company18058PAAdmitted (licensed)$49.8M2.89%
6State Farm Fire and Casualty Company25143ILAdmitted (licensed)$47.9M2.78%
7Federal Insurance Company20281INAdmitted (licensed)$42.6M2.47%
8Builders Mutual Insurance Company10844NCAdmitted (licensed)$38.9M2.26%
9North Carolina Farm Bur Mut Ins Co14842NCAdmitted (licensed)$34.2M1.98%
10Brotherhood Mutual Insurance Company13528INAdmitted (licensed)$31.8M1.85%
11Ohio Security Insurance Company24082NHAdmitted (licensed)$29.0M1.68%
12Hartford Fire Insurance Company19682CTAdmitted (licensed)$28.7M1.67%
13Frankenmuth Insurance Company13986MIAdmitted (licensed)$28.1M1.63%
14Travelers Property Casualty Company of America25674CTAdmitted (licensed)$26.5M1.54%
15Erie Insurance Exchange26271PAAdmitted (licensed)$26.4M1.53%
16Allstate Indemnity Company19240ILAdmitted (licensed)$25.5M1.48%
17Church Mutual Insurance Company, S. I.18767WIAdmitted (licensed)$23.8M1.38%
18Charter Oak Fire Insurance Company, (The)25615CTAdmitted (licensed)$23.5M1.36%
19Hartford Underwriters Insurance Company30104CTAdmitted (licensed)$22.2M1.29%
20Ace American Insurance Company22667PAAdmitted (licensed)$20.1M1.17%
21Travelers Indemnity Company of Connecticut (The)25682CTAdmitted (licensed)$19.3M1.12%
22Fidelity and Guaranty Insurance Company35386IAAdmitted (licensed)$18.9M1.10%
23Harford Mutual Insurance Company14141MDAdmitted (licensed)$17.8M1.03%
24Phoenix Insurance Company, (The)25623CTAdmitted (licensed)$17.3M1.00%
25National Union Fire Insurance Company of Pittsburgh, Pennsylvania19445PAAdmitted (licensed)$17.0M0.99%
26Central Insurance Company20230OHAdmitted (licensed)$16.3M0.95%
27Westminster American Insurance Company16098MDAdmitted (licensed)$16.3M0.95%
28Travelers Casualty Insurance Company of America19046CTAdmitted (licensed)$16.0M0.93%
29Travelers Indemnity Company of America (The)25666CTAdmitted (licensed)$15.0M0.87%
30St. Paul Fire and Marine Insurance Company24767CTAdmitted (licensed)$14.0M0.81%
31Fireman's Fund Insurance Company21873ILAdmitted (licensed)$13.1M0.76%
32Property and Casualty Insurance Company of Hartford34690INAdmitted (licensed)$12.7M0.74%
33Builders Premier Insurance Company13036NCAdmitted (licensed)$12.3M0.71%
34Pennsylvania National Mutual Casualty Insurance Company14990PAAdmitted (licensed)$11.8M0.69%
35United Specialty Insurance Company12537TXSurplus lines (eligible)$11.7M0.68%
36Cincinnati Casualty Company (The)28665OHAdmitted (licensed)$11.0M0.64%
37Hanover American Insurance Company (The)36064NHAdmitted (licensed)$10.8M0.63%
38Travelers Indemnity Company (The)25658CTAdmitted (licensed)$10.3M0.60%
39Nationwide Insurance Company of Florida10948OHAdmitted (licensed)$10.2M0.59%
40Southern Mutual Church Insurance Company26468SCAdmitted (licensed)$10.0M0.58%
41Allmerica Financial Benefit Insurance Company41840MIAdmitted (licensed)$9.8M0.57%
42Markel Insurance Company38970ILAdmitted (licensed)$9.7M0.57%
43Cincinnati Indemnity Company (The)23280OHAdmitted (licensed)$9.0M0.52%
44Continental Casualty Company20443ILAdmitted (licensed)$8.8M0.51%
45Nationwide Mutual Insurance Company10723OHAdmitted (licensed)$8.5M0.49%
46Hanover Insurance Company (The)22292NHAdmitted (licensed)$8.5M0.49%
47Graphic Arts Mutual Insurance Company25984NYAdmitted (licensed)$8.2M0.48%
48Westfield Insurance Company24112OHAdmitted (licensed)$8.2M0.47%
49Sentinel Insurance Company, Limited11000CTAdmitted (licensed)$8.1M0.47%
50Massachusetts Bay Insurance Company22306NHAdmitted (licensed)$7.8M0.45%
51Twin City Fire Insurance Company (The)29459INAdmitted (licensed)$7.7M0.45%
52Scottsdale Insurance Company41297OHSurplus lines (eligible)$7.5M0.44%
53Utica National Assurance Company10687NYAdmitted (licensed)$7.4M0.43%
54National General Insurance Company23728ILAdmitted (licensed)$7.3M0.42%
55Nationwide Affinity Insurance Company of America26093OHAdmitted (licensed)$7.3M0.42%
56Ironshore Specialty Insurance Company25445AZSurplus lines (eligible)$7.2M0.42%
57Zurich American Insurance Company16535NYAdmitted (licensed)$7.0M0.41%
58Selective Insurance Company of South Carolina19259INAdmitted (licensed)$7.0M0.41%
59GuideOne Insurance Company15032IAAdmitted (licensed)$7.0M0.40%
60Utica Mutual Insurance Company25976NYAdmitted (licensed)$6.6M0.38%
61Great American Insurance Company16691OHAdmitted (licensed)$6.5M0.37%
62American Automobile Insurance Company21849MOAdmitted (licensed)$6.4M0.37%
63Seneca Insurance Company Incorporated10936NYAdmitted (licensed)$6.2M0.36%
64Integon National Insurance Company29742ILAdmitted (licensed)$6.2M0.36%
65Hartford Casualty Insurance Company29424INAdmitted (licensed)$6.1M0.36%
66Great Northern Insurance Company20303INAdmitted (licensed)$5.9M0.34%
67Berkshire Hathaway Direct Insurance Company10391NEAdmitted (licensed)$5.6M0.32%
68Wesco Insurance Company25011DEAdmitted (licensed)$5.5M0.32%
69Frontline Insurance Unlimited Company10074DESurplus lines (eligible)$5.3M0.31%
70GeoVera Specialty Insurance Company DBA: USF&G Specialty Insurance Company10182DESurplus lines (eligible)$5.3M0.31%
71St. Paul Guardian Insurance Company24775CTAdmitted (licensed)$5.0M0.29%
72Tri-State Insurance Company of Minnesota31003IAAdmitted (licensed)$4.9M0.28%
73Federated Mutual Insurance Company13935MNAdmitted (licensed)$4.8M0.28%
74Ascot Insurance Company23752COAdmitted (licensed)$4.8M0.28%
75General Security Indemnity Company of Arizona20559AZSurplus lines (eligible)$4.8M0.28%
76Penn National Security Insurance Company32441PAAdmitted (licensed)$4.6M0.27%
77General Insurance Company of America24732NHAdmitted (licensed)$4.6M0.27%
781842 Insurance Company16862MDAdmitted (licensed)$4.6M0.27%
79West Bend Insurance Company15350WIAdmitted (licensed)$4.6M0.26%
80Republic-Franklin Insurance Company12475OHAdmitted (licensed)$4.5M0.26%
81American Casualty Company of Reading, Pennsylvania20427PAAdmitted (licensed)$4.5M0.26%
82Southern Insurance Company of Virginia26867VAAdmitted (licensed)$4.5M0.26%
83Old Guard Insurance Company17558OHAdmitted (licensed)$4.4M0.25%
84Standard Fire Insurance Company (The)19070CTAdmitted (licensed)$4.3M0.25%
85Selective Insurance Company of the Southeast39926INAdmitted (licensed)$4.1M0.24%
86Midvale Indemnity Company27138WIAdmitted (licensed)$4.1M0.24%
87Cumis Insurance Society Incorporated10847IAAdmitted (licensed)$3.6M0.21%
88Granite State Insurance Company23809ILAdmitted (licensed)$3.6M0.21%
89Valley Forge Insurance Company20508PAAdmitted (licensed)$3.6M0.21%
90Nationwide General Insurance Company23760OHAdmitted (licensed)$3.6M0.21%
91Velocity Specialty Insurance Company39640DESurplus lines (eligible)$3.5M0.21%
92Chubb Indemnity Insurance Company12777NYAdmitted (licensed)$3.5M0.21%
93American Reliable Insurance Company19615AZAdmitted (licensed)$3.4M0.20%
94Mesa Underwriters Specialty Insurance Company36838NJSurplus lines (eligible)$3.2M0.19%
95Millers Capital Insurance Company14575PAAdmitted (licensed)$3.2M0.19%
96Donegal Mutual Insurance Company13692PAAdmitted (licensed)$3.2M0.18%
97Lititz Mutual Insurance Company14400PAAdmitted (licensed)$3.1M0.18%
98Intrepid Insurance Company10749IAAdmitted (licensed)$3.1M0.18%
99|Houston Casualty Company42374TXSurplus lines (eligible)$3.0M0.18%
100STATE AUTO PROPERTY \u0026 CASUALTY INSURANCE COMPANY25127IAAdmitted (licensed)$3.0M0.18%
101Ace Property and Casualty Insurance Company20699PAAdmitted (licensed)$3.0M0.17%
102Palms Specialty Insurance Company, Inc.17327DESurplus lines (eligible)$3.0M0.17%
103Southern States Insurance Exchange15709VAAdmitted (licensed)$3.0M0.17%
104Transportation Insurance Company20494ILAdmitted (licensed)$2.9M0.17%
105Maxum Indemnity Company26743CTSurplus lines (eligible)$2.9M0.17%
106AmGUARD Insurance Company42390NEAdmitted (licensed)$2.9M0.17%
107FCCI Insurance Company10178FLAdmitted (licensed)$2.8M0.16%
108Citizens Insurance Company of America31534MIAdmitted (licensed)$2.8M0.16%
109Frederick Mutual Insurance Company14753MDAdmitted (licensed)$2.7M0.16%
110Nationwide Mutual Insurance Company23787OHAdmitted (licensed)$2.5M0.15%
111Markel American Insurance Company28932VAAdmitted (licensed)$2.5M0.15%
112Vigilant Insurance Company20397NYAdmitted (licensed)$2.4M0.14%
113Accredited Specialty Insurance Company (C)16835AZSurplus lines (eligible)$2.3M0.13%
114Pharmacists Mutual Insurance Company13714IAAdmitted (licensed)$2.3M0.13%
115Emerald Bay Specialty Insurance Company17527AZSurplus lines (eligible)$2.3M0.13%
116Westfield National Insurance Company24120OHAdmitted (licensed)$2.2M0.13%
117Amerisure Insurance Company19488MIAdmitted (licensed)$2.2M0.13%
118U.S. Specialty Insurance Company29599TXAdmitted (licensed)$2.2M0.13%
119State Automobile Mutual Insurance Company25135OHAdmitted (licensed)$2.2M0.13%
120American Southern Home Insurance Company41998FLAdmitted (licensed)$2.2M0.13%
121Spinnaker Specialty Insurance Company17045TXSurplus lines (eligible)$2.2M0.13%
122Evanston Insurance Company35378ILSurplus lines (eligible)$2.1M0.12%
123All America Insurance Company20222OHAdmitted (licensed)$2.1M0.12%
124Continental Insurance Company, (The)35289PAAdmitted (licensed)$2.1M0.12%
125Progressive Southeastern Insurance Company38784INAdmitted (licensed)$2.1M0.12%
126SafePort Insurance Company36560FLAdmitted (licensed)$2.1M0.12%
127Mitsui Sumitomo Insurance Company of America20362NYAdmitted (licensed)$2.0M0.12%
128Western World Insurance Company, Inc.13196NHSurplus lines (eligible)$2.0M0.12%
129Selective Insurance Company of America12572NJAdmitted (licensed)$2.0M0.12%
130Keystone National Insurance Company12199PAAdmitted (licensed)$2.0M0.12%
131American National Property and Casualty Company28401NEAdmitted (licensed)$1.9M0.11%
132Covington Specialty Insurance Company13027NHSurplus lines (eligible)$1.9M0.11%
133Everett Cash Mutual Insurance Company17043PAAdmitted (licensed)$1.9M0.11%
134Navigators Specialty Insurance Company36056NYSurplus lines (eligible)$1.9M0.11%
135Monroe Guaranty Insurance Company32506INAdmitted (licensed)$1.8M0.11%
136Arch Insurance (UK) Limited11150MOAdmitted (licensed)$1.8M0.11%
137Atlantic States Insurance Company22586PAAdmitted (licensed)$1.8M0.11%
138Concert Specialty Insurance Company17151MTSurplus lines (eligible)$1.8M0.10%
139National Fire Insurance Company of Hartford20478ILAdmitted (licensed)$1.7M0.10%
140United States Fire Insurance Company21113DEAdmitted (licensed)$1.7M0.10%
141West American Insurance Company44393INAdmitted (licensed)$1.7M0.10%
142Accelerant Specialty Insurance Company16890ARSurplus lines (eligible)$1.7M0.10%
143National Trust Insurance Company20141INAdmitted (licensed)$1.7M0.10%
144Canopius US Insurance, Inc.12961DESurplus lines (eligible)$1.6M0.10%
145Firstline Insurance Company40100MDAdmitted (licensed)$1.6M0.10%
146Westfield Superior Insurance Company16449OHAdmitted (licensed)$1.6M0.09%
147Nova Casualty Company42552NYAdmitted (licensed)$1.6M0.09%
148Tokio Marine Specialty Insurance Company23850DESurplus lines (eligible)$1.6M0.09%
149American Select Insurance Company19992OHAdmitted (licensed)$1.6M0.09%
150NATIONAL FIRE \u0026 MARINE INSURANCE COMPANY\20079NESurplus lines (eligible)$1.6M0.09%
151Union Insurance Company25844IAAdmitted (licensed)$1.6M0.09%
152|Trisura Specialty Insurance Company16188OKSurplus lines (eligible)$1.5M0.09%
153Everest Indemnity Insurance Company10851DESurplus lines (eligible)$1.5M0.09%
154Westfield Champion Insurance Company16447OHAdmitted (licensed)$1.4M0.08%
155AIG Specialty Insurance Company26883ILSurplus lines (eligible)$1.4M0.08%
156Tokio Marine America Insurance Company10945NYAdmitted (licensed)$1.4M0.08%
157Allstate Insurance Company19232ILAdmitted (licensed)$1.4M0.08%
158HSB Specialty Insurance Company14438CTSurplus lines (eligible)$1.4M0.08%
159St. Paul Mercury Insurance Company24791CTAdmitted (licensed)$1.4M0.08%
160Spinnaker Insurance Company24376ILAdmitted (licensed)$1.3M0.08%
161Acadia Insurance Company31325IAAdmitted (licensed)$1.3M0.08%
162Atlantic Specialty Insurance Company27154NYAdmitted (licensed)$1.3M0.07%
163Housing Authority Property Insurance, a Mutual Company10069VTAdmitted (licensed)$1.3M0.07%
164Berkshire Hathaway Specialty Insurance Company22276NEAdmitted (licensed)$1.3M0.07%
165Motorists Commercial Mutual Insurance Company13331OHAdmitted (licensed)$1.3M0.07%
166Accelerant National Insurance Company10220ARAdmitted (licensed)$1.2M0.07%
167Westfield Premier Insurance Company16450OHAdmitted (licensed)$1.2M0.07%
168Firemen's Insurance Company of Washington, D. C.21784IAAdmitted (licensed)$1.2M0.07%
169MS Transverse Specialty Insurance Company41807TXSurplus lines (eligible)$1.2M0.07%
170GuideOne Specialty Insurance Company14559IAAdmitted (licensed)$1.2M0.07%
171Hiscox Insurance Company (Bermuda), Ltd.10200ILAdmitted (licensed)$1.2M0.07%
172Princeton Excess and Surplus Lines Insurance Company (The)10786DESurplus lines (eligible)$1.2M0.07%
173Accredited Surety and Casualty Company, Inc.26379FLAdmitted (licensed)$1.2M0.07%
174Pennsylvania Manufacturers' Association Insurance Company12262PAAdmitted (licensed)$1.1M0.07%
175Victor Insurance Exchange17499DESurplus lines (eligible)$1.1M0.07%
176CM Select Insurance Company16203COAdmitted (licensed)$1.1M0.06%
177|Hadron Specialty Insurance Company17534ARSurplus lines (eligible)$1.0M0.06%
178Berkley Specialty Insurance Company31295DESurplus lines (eligible)$1.0M0.06%
179StarNet Insurance Company40045IAAdmitted (licensed)$1.0M0.06%
180American Alternative Insurance Corporation19720DEAdmitted (licensed)$1.0M0.06%
181Fortegra Specialty Insurance Company16823AZSurplus lines (eligible)$996,0490.06%
182Bankers Insurance Company33162FLAdmitted (licensed)$981,8060.06%
183Sutton Specialty Insurance Company16848OKSurplus lines (eligible)$981,6460.06%
184American Fire and Casualty Company24066NHAdmitted (licensed)$974,6120.06%
185Housing Enterprise Insurance Company, Inc.11206VTAdmitted (licensed)$965,5230.06%
186Liberty Mutual Fire Insurance Company23035WIAdmitted (licensed)$949,2280.06%
187New York Marine and General Insurance Company16608NYAdmitted (licensed)$948,8250.06%
188Penn-America Insurance Company32859PASurplus lines (eligible)$944,0930.05%
189National General Premier Insurance Company12832CASurplus lines (eligible)$941,4870.05%
190New Hampshire Insurance Company23841ILAdmitted (licensed)$932,5700.05%
191Nationwide Insurance Company of America25453OHAdmitted (licensed)$925,2330.05%
192EMPLOYERS MUTUAL CASUALTY COMPANY Employers Mutual Casualty Company)21415IAAdmitted (licensed)$899,0670.05%
193EMC PROPERTY \u0026 CASUALTY COMPANY25186IAAdmitted (licensed)$896,7800.05%
194Motorists Mutual Insurance Company14621OHAdmitted (licensed)$886,4520.05%
195Farmington Casualty Company41483CTAdmitted (licensed)$876,2220.05%
196AGCS Marine Insurance Company22837ILAdmitted (licensed)$854,6920.05%
197INTERSTATE FIRE \u0026 CASUALTY COMPANY\22829ILSurplus lines (eligible)$845,8590.05%
198Pacific Indemnity Company20346DEAdmitted (licensed)$844,3720.05%
199Arch Specialty Insurance Company21199MOSurplus lines (eligible)$826,3560.05%
200Beazley Excess and Surplus Insurance, Inc. (C)17520CTSurplus lines (eligible)$821,4070.05%
201American Zurich Insurance Company40142ILAdmitted (licensed)$796,4260.05%
202Ascot Specialty Insurance Company45055RISurplus lines (eligible)$795,6940.05%
203Westfield Specialty Insurance Company16992OHSurplus lines (eligible)$792,6610.05%
204Hartford Accident and Indemnity Company22357CTAdmitted (licensed)$785,2480.05%
205Berkley National Insurance Company38911IAAdmitted (licensed)$760,2300.04%
206Safeco Insurance Company of America24740NHAdmitted (licensed)$748,0030.04%
207American Family Home Insurance Company23450FLAdmitted (licensed)$729,6000.04%
208Next Insurance US Company16285DEAdmitted (licensed)$724,7500.04%
209Everest National Insurance Company10120DEAdmitted (licensed)$718,8870.04%
210Ategrity Specialty Insurance Company16427DESurplus lines (eligible)$675,5770.04%
211Liberty Surplus Insurance Corporation10725NHSurplus lines (eligible)$669,4760.04%
212Ohio Casualty Insurance Company (The)24074NHAdmitted (licensed)$664,9620.04%
213Milford Casualty Insurance Company26662DEAdmitted (licensed)$654,0020.04%
214Jewelers Mutual Insurance Company, SI14354WIAdmitted (licensed)$645,8300.04%
215Westchester Fire Insurance Company10030PAAdmitted (licensed)$628,2310.04%
216Hilltop Specialty Insurance Company37079NYSurplus lines (eligible)$620,7640.04%
217Benchmark Insurance Company41394KSAdmitted (licensed)$612,6340.04%
218Federated Service Insurance Company28304MNAdmitted (licensed)$609,0090.04%
219Navigators Insurance Company42307NYAdmitted (licensed)$605,4130.04%
220Associated Industries Insurance Company, Inc.23140FLSurplus lines (eligible)$594,6810.03%
221Rural Trust Insurance Company11134TXAdmitted (licensed)$594,3990.03%
222Old Republic Union Insurance Company31143ILSurplus lines (eligible)$575,0390.03%
223Great American Insurance Company of New York22136NYAdmitted (licensed)$574,5630.03%
224Crestbrook Insurance Company18961OHAdmitted (licensed)$572,2910.03%
225Steadfast Insurance Company26387ILSurplus lines (eligible)$556,9340.03%
226Century Surety Company36951OHSurplus lines (eligible)$555,7380.03%
227Great American Assurance Company26344OHAdmitted (licensed)$554,4220.03%
228Amerisure Mutual Insurance Company23396MIAdmitted (licensed)$549,6970.03%
229BITCO General Insurance Corporation20095IAAdmitted (licensed)$538,2480.03%
230American Guarantee and Liability Insurance Company26247NYAdmitted (licensed)$532,5300.03%
231Everspan Insurance Company24961AZAdmitted (licensed)$517,6080.03%
232Continental Western Insurance Company10804IAAdmitted (licensed)$514,5540.03%
233National Builders Insurance Company16632DEAdmitted (licensed)$513,7310.03%
234BCS Insurance Company38245OHAdmitted (licensed)$510,4500.03%
235Swiss Re Corporate Solutions Elite Insurance Corporation29700MOAdmitted (licensed)$484,6250.03%
236Westfield Touchstone Insurance Company16448OHAdmitted (licensed)$478,9120.03%
237Star Insurance Company18023MIAdmitted (licensed)$476,5010.03%
238|Hudson Excess Insurance Company14484DESurplus lines (eligible)$464,3830.03%
239Lio Insurance Company40550AZAdmitted (licensed)$456,1470.03%
240Specialty Builders Insurance Company16826GASurplus lines (eligible)$447,6530.03%
241Chubb National Insurance Company10052INAdmitted (licensed)$439,4800.03%
242RLI Insurance Company13056ILAdmitted (licensed)$435,9370.03%
243Phenix Mutual Fire Insurance Company23175OHAdmitted (licensed)$433,1430.03%
244Nationwide Agribusiness Insurance Company28223IAAdmitted (licensed)$415,1950.02%
245Manufacturers Alliance Insurance Company36897PAAdmitted (licensed)$410,2900.02%
246Allied World Assurance Company (U.S.), Inc.19489DESurplus lines (eligible)$403,5330.02%
247CRUM \u0026 FORSTER SPECIALTY INSURANCE COMPANY\44520DESurplus lines (eligible)$381,5510.02%
248Diamond State Insurance Company42048INAdmitted (licensed)$370,2620.02%
249Great American Alliance Insurance Company26832OHAdmitted (licensed)$364,1830.02%
250State National Insurance Company, Inc.12831TXAdmitted (licensed)$362,8760.02%
251Great American Risk Solutions Surplus Lines Insurance Company35351OHSurplus lines (eligible)$361,9700.02%
252Ace Fire Underwriters Insurance Company20702PAAdmitted (licensed)$357,0290.02%
253Indemnity Insurance Company of North America43575PAAdmitted (licensed)$349,0440.02%
254Lexington Insurance Company19437DESurplus lines (eligible)$345,9990.02%
255StarStone Specialty Insurance Company44776DESurplus lines (eligible)$335,0150.02%
256Nationwide Property and Casualty Insurance Company37877OHAdmitted (licensed)$315,1490.02%
257Liberty Mutual Insurance Company23043MAAdmitted (licensed)$309,4490.02%
258Union Insurance Company of Providence21423IAAdmitted (licensed)$302,5130.02%
259Security National Insurance Company19879DEAdmitted (licensed)$302,1690.02%
260TransGuard Insurance Company of America, Inc.28886ILAdmitted (licensed)$300,3510.02%
261Obsidian Pacific Insurance Company26395DEAdmitted (licensed)$299,4940.02%
262American Home Assurance Company19380NYAdmitted (licensed)$280,4350.02%
263Vanliner Insurance Company21172OHAdmitted (licensed)$278,8850.02%
264SureChoice Underwriters Reciprocal Exchange17030TXAdmitted (licensed)$277,9070.02%
265Admiral Indemnity Company44318DEAdmitted (licensed)$275,3220.02%
266Southlake Specialty Insurance Company16999TXSurplus lines (eligible)$268,9870.02%
267AIX Specialty Insurance Company12833DESurplus lines (eligible)$267,9710.02%
268EMCASCO Insurance Company21407IAAdmitted (licensed)$246,4530.01%
269Technology Insurance Company, Inc.42376DEAdmitted (licensed)$240,8700.01%
270Vantapro Specialty Insurance Company44768ARAdmitted (licensed)$226,7590.01%
271Pacific Employers Insurance Company22748PAAdmitted (licensed)$196,7970.01%
272AXIS Surplus Insurance Company26620ILSurplus lines (eligible)$191,8130.01%
273Sierra Specialty Insurance Company19208TXSurplus lines (eligible)$188,6360.01%
274Insurance Company of the State of Pennsylvania (The)19429ILAdmitted (licensed)$185,4420.01%
275Mitsui Sumitomo Insurance USA Inc.22551NYAdmitted (licensed)$185,0490.01%
276Pennsylvania Insurance Company21962NMAdmitted (licensed)$175,7550.01%
277Piedmont Mut Ins Co17335NCAdmitted (licensed)$175,5540.01%
278American National Lloyds Insurance Company10043TXSurplus lines (eligible)$169,8560.01%
279United National Insurance Company13064PASurplus lines (eligible)$167,4180.01%
280Gotham Insurance Company25569NYSurplus lines (eligible)$166,3780.01%
281Zurich American Insurance Company of Illinois27855ILAdmitted (licensed)$165,5200.01%
282Sentry Insurance Company24988WIAdmitted (licensed)$160,5910.01%
283Ardellis Insurance Ltd. (UNITED STATES BRANCH)16141MISurplus lines (eligible)$154,4680.01%
284MSIG Specialty Insurance USA Inc.34886NYSurplus lines (eligible)$150,0760.01%
285Republic - Vanguard Insurance Company40479AZSurplus lines (eligible)$148,0480.01%
286American Builders Insurance Company11240DEAdmitted (licensed)$146,2140.01%
287Superior Specialty Insurance Company (SSIC)16551TXSurplus lines (eligible)$142,1430.01%
288Aspen American Insurance Company43460TXAdmitted (licensed)$135,3830.01%
289Alamance Farmers Mut Ins Co13190NCAdmitted (licensed)$129,6350.01%
290Safety Specialty Insurance Company13815MOSurplus lines (eligible)$129,1880.01%
291Vantage Risk Specialty Insurance Company16275DESurplus lines (eligible)$128,9680.01%
292Ohio Farmers Insurance Company24104OHAdmitted (licensed)$128,8590.01%
293Garrison Property and Casualty Insurance Company21253TXAdmitted (licensed)$128,1680.01%
294Calais Reciprocal Insurance Exchange17805ILSurplus lines (eligible)$126,9490.01%
295Shield Indemnity Incorporated16762OHSurplus lines (eligible)$126,5150.01%
296Ansur America Insurance Company10984MIAdmitted (licensed)$124,1480.01%
297Wilson Mutual Insurance Company19950OHAdmitted (licensed)$122,6140.01%
298Fidelity and Deposit Company of Maryland (The)39306ILAdmitted (licensed)$121,1300.01%
299North Carolina Grange Mut Ins Co16683NCAdmitted (licensed)$114,9150.01%
300BITCO National Insurance Company20109IAAdmitted (licensed)$113,5030.01%
301Harleysville Insurance Company23582OHAdmitted (licensed)$111,6500.01%
302Amerisure Partners Insurance Company11050MIAdmitted (licensed)$108,6320.01%
303Allied World Surplus Lines Insurance Company24319ARSurplus lines (eligible)$107,8890.01%
304Carolina Farmers Mut Ins Co10720NCAdmitted (licensed)$104,7830.01%
305Penn-Star Insurance Company10673PASurplus lines (eligible)$97,1480.01%
306TRAVELERS EXCESS \u0026 SURPLUS LINES COMPANY\29696CTSurplus lines (eligible)$93,7400.01%
307Allied Property and Casualty Insurance Company42579IAAdmitted (licensed)$87,2850.01%
308Acceptance Indemnity Insurance Company20010NESurplus lines (eligible)$87,2240.01%
309Allied World Specialty Insurance Company16624DEAdmitted (licensed)$82,4570.00%
310Sompo America Insurance Company11126NYAdmitted (licensed)$82,3570.00%
311AXIS Insurance Company37273ILAdmitted (licensed)$80,9590.00%
312Burlington Insurance Company (The)23620ILSurplus lines (eligible)$77,9870.00%
313Hospitality Insurance Company14027CTAdmitted (licensed)$73,3940.00%
314National Fire and Indemnity Exchange, John L. Corley, Inc., Attorney-in-Fact15679MOAdmitted (licensed)$72,9950.00%
315Glencar Insurance Company12254WIAdmitted (licensed)$71,3340.00%
316|Texas Insurance Company16543TXSurplus lines (eligible)$68,3650.00%
317Illinois Union Insurance Company27960ILSurplus lines (eligible)$68,1360.00%
318Depositors Insurance Company42587IAAdmitted (licensed)$55,3630.00%
319Berkley Regional Insurance Company29580IAAdmitted (licensed)$55,0760.00%
320FCCI Specialty Insurance Company17602DESurplus lines (eligible)$54,1490.00%
321Peninsula Insurance Company (The)14958MDAdmitted (licensed)$53,6340.00%
322Great American Spirit Insurance Company33723OHAdmitted (licensed)$50,9530.00%
323North River Insurance Company (The)21105NJAdmitted (licensed)$46,4970.00%
324Chubb Custom Insurance Company38989NJSurplus lines (eligible)$37,4980.00%
325National Casualty Company11991OHAdmitted (licensed)$36,8730.00%
326Lyndon Southern Insurance Company10051DEAdmitted (licensed)$35,0460.00%
327StarStone National Insurance Company25496DEAdmitted (licensed)$34,3260.00%
328Endurance Risk Solutions Assurance Company43630DEAdmitted (licensed)$34,2400.00%
329Employers Insurance Company of Wausau21458WIAdmitted (licensed)$31,4270.00%
330National Specialty Insurance Company22608TXAdmitted (licensed)$29,6780.00%
331Intrepid Casualty Company17182IAAdmitted (licensed)$24,4870.00%
332|Federated Specialty Insurance Company17333MNSurplus lines (eligible)$24,1000.00%
333Great Divide Insurance Company25224NDAdmitted (licensed)$23,8000.00%
334Colony Insurance Company39993NESurplus lines (eligible)$22,4370.00%
335Knight Specialty Insurance Company15366DESurplus lines (eligible)$22,0890.00%
336Chicago Insurance Company22810ILAdmitted (licensed)$20,5390.00%
337North Light Specialty Insurance Company13167ILSurplus lines (eligible)$18,9100.00%
338Allied Insurance Company of America10127OHAdmitted (licensed)$17,7560.00%
339Golden Bear Insurance Company39861CASurplus lines (eligible)$15,8830.00%
340Falls Lake Fire and Casualty Company15884CASurplus lines (eligible)$15,4200.00%
341Stillwater Insurance Company25180CAAdmitted (licensed)$13,7390.00%
342Harleysville Worcester Insurance Company26182OHAdmitted (licensed)$13,5300.00%
343Atlantic Casualty Insurance Company42846NCAdmitted (licensed)$12,6060.00%
344National Interstate Insurance Company32620OHAdmitted (licensed)$12,3740.00%
345CRUM \u0026 FORSTER INDEMNITY COMPANY31348DEAdmitted (licensed)$10,3740.00%
346Housing Specialty Insurance Company, Inc.15381VTSurplus lines (eligible)$10,0240.00%
347Dellwood Specialty Insurance Company17332AZSurplus lines (eligible)$9,7410.00%
348AmTrust Insurance Company15954DEAdmitted (licensed)$9,5770.00%
349Pennsylvania Manufacturers Indemnity Company41424PAAdmitted (licensed)$8,8400.00%
350Palomar Excess and Surplus Insurance Company16754AZSurplus lines (eligible)$8,3030.00%
351AMCO Insurance Company19100IAAdmitted (licensed)$7,5760.00%
352Point Excess and Surplus Insurance Company17445WISurplus lines (eligible)$6,4810.00%
353UNIVERSAL FIRE \u0026 CASUALTY INSURANCE COMPANY32867INAdmitted (licensed)$6,3530.00%
354Rockingham Specialty , Inc.16650VASurplus lines (eligible)$5,7770.00%
355SAMSUNG FIRE \u0026 MARINE INSURANCE CO., LTD. (U.S. BRANCH)38300NYAdmitted (licensed)$3,5070.00%
356HDI Global Insurance Company41343ILAdmitted (licensed)$2,7280.00%
357Argonaut Insurance Company19801NEAdmitted (licensed)$2,6980.00%
358Greater New York Mutual Insurance Company22187NYAdmitted (licensed)$2,0440.00%
359Greenwich Insurance Company22322DEAdmitted (licensed)$1,5570.00%
360Trans Pacific Insurance Company41238NYAdmitted (licensed)$1400.00%
361Homesite Insurance Company of Florida11156ILSurplus lines (eligible)$260.00%
Turned down?

Last resort for commercial package (BOP, CMP) in North Carolina

Last resortLinesWhereHow to get in
Surplus lines and Lloyd's open marketallall states, under each state's diligent-search rulesThrough surplus lines wholesalers; commercial property and liability have no guaranteed plan, so this is their last stepSource

Method and source

Source: the North Carolina insurance regulator company list, read 2026-10-18 and the surplus lines list. NCDOI P7 Property and Casualty Experience, year ended 12/31/2025: every company that filed an NC state page (P&C annual statement). 'admitted' = rows whose 'Licensed in NC' column reads 'Licensed' (includes zero-premium licensed companies and NC self-insured workers' comp funds, which have no NAIC code and type 'Self-Insured Workers' Compensation'). 'surplus_lines' = rows reading 'Authorized Surplus Lines Writer' (US nonadmitted insurers that wrote NC surplus lines business that year; alien/Lloyd's not broken out, eligible date not given). Rows 'Not Licensed' or blank (mostly risk retention groups) are dropped. 'type' = Business Type / Company Type [/ Company Sub Type]; all rows are Property and Casualty filers (no life/health in this file). 'lines' = NAIC annual-statement lines of business the company reported in NC with direct premium written or earned > 0 that year (lines actually written, not certificate-of-authority lines). 'since' not given. Status counts in file: {'Licensed': 825, '': 73, 'Authorized Surplus Lines Writer': 193, 'Not Licensed': 39}. "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 commercial package (BOP, CMP) in North Carolina?

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.

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.