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Directory · North Carolina · Credit

Who writes credit in North Carolina

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

45 companies wrote credit in North Carolina in 2025, $85.7M in direct premium. Ohio Indemnity Company led with 14.2%; the top five hold 49%. 47 companies are licensed for the line.

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

Top 10 · NAIC table: 28 - Credit

The insurer groups that write the most credit 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.

Credit · North Carolina

The companies

#CompanyNAICHome stateStatus herePremiumShare
1Ohio Indemnity Company26565OHAdmitted (licensed)$12.2M14.19%
2Triton Insurance Company41211TXAdmitted (licensed)$10.0M11.62%
3GREAT AMERICAN E\u0026 S INSURANCE COMPANY\37532OHSurplus lines (eligible)$7.0M8.13%
4Euler Hermes North America Insurance Company20516MDAdmitted (licensed)$6.5M7.62%
5Securian Casualty Company10054MNAdmitted (licensed)$6.1M7.11%
6MSIG Specialty Insurance USA Inc.34886NYSurplus lines (eligible)$6.0M6.97%
7Great American Assurance Company26344OHAdmitted (licensed)$5.6M6.50%
8Arch Insurance (UK) Limited11150MOAdmitted (licensed)$4.6M5.40%
9Atlantic Specialty Insurance Company27154NYAdmitted (licensed)$4.6M5.35%
10Coface North America Insurance Company31887MAAdmitted (licensed)$3.1M3.64%
11Atradius Trade Credit Insurance, Inc.25422MDAdmitted (licensed)$3.0M3.47%
12Fortegra Specialty Insurance Company16823AZSurplus lines (eligible)$2.2M2.59%
13Old Republic Insurance Company24147PAAdmitted (licensed)$1.7M2.02%
14Republic - Vanguard Insurance Company40479AZSurplus lines (eligible)$1.6M1.85%
15Wesco Insurance Company25011DEAdmitted (licensed)$1.5M1.70%
16Integon National Insurance Company29742ILAdmitted (licensed)$1.4M1.66%
17First Colonial Insurance Company29980ILAdmitted (licensed)$1.4M1.60%
18Toyota Motor Insurance Company37621AZAdmitted (licensed)$1.1M1.23%
19National Union Fire Insurance Company of Pittsburgh, Pennsylvania19445PAAdmitted (licensed)$930,1631.09%
20Liberty Mutual Insurance Company23043MAAdmitted (licensed)$623,0040.73%
21U.S. Specialty Insurance Company29599TXAdmitted (licensed)$462,6620.54%
22American National Property and Casualty Company28401NEAdmitted (licensed)$455,2840.53%
23Great American Insurance Company16691OHAdmitted (licensed)$435,4040.51%
24American National Lloyds Insurance Company10043TXSurplus lines (eligible)$430,1070.50%
25Columbia Casualty Company31127ILSurplus lines (eligible)$338,0720.39%
26United States Fire Insurance Company21113DEAdmitted (licensed)$280,8260.33%
27Everest Indemnity Insurance Company10851DESurplus lines (eligible)$278,1330.32%
28Lyndon Southern Insurance Company10051DEAdmitted (licensed)$253,1820.30%
29American Bankers Insurance Company of Florida10111FLAdmitted (licensed)$251,9240.29%
30CRUM \u0026 FORSTER SPECIALTY INSURANCE COMPANY\44520DESurplus lines (eligible)$244,7770.29%
31STARR INDEMNITY \u0026 LIABILITY COMPANY38318TXAdmitted (licensed)$240,0000.28%
32StarStone National Insurance Company25496DEAdmitted (licensed)$225,9440.26%
33Centennial Casualty Company34568ALSurplus lines (eligible)$173,3880.20%
34Ace Property and Casualty Insurance Company20699PAAdmitted (licensed)$153,0000.18%
35General Security National Insurance Company39322NYAdmitted (licensed)$147,5420.17%
36StarStone Specialty Insurance Company44776DESurplus lines (eligible)$122,7200.14%
37Ace American Insurance Company22667PAAdmitted (licensed)$69,3180.08%
38Allied World Assurance Company (U.S.) Inc.22730NHAdmitted (licensed)$63,5000.07%
39Allied World Specialty Insurance Company16624DEAdmitted (licensed)$35,2750.04%
40Arch Specialty Insurance Company21199MOSurplus lines (eligible)$32,8730.04%
41Accelerant Specialty Insurance Company16890ARSurplus lines (eligible)$28,6530.03%
42Arch Indemnity Insurance Company30830MOAdmitted (licensed)$9,6870.01%
43Securian Specialty Lines, Inc.17631TXSurplus lines (eligible)$8,1840.01%
44MGIC Assurance Corporation22594WIAdmitted (licensed)$2,8110.00%
45Virginia Surety Company, Inc.40827ILAdmitted (licensed)$2640.00%
Turned down?

Last resort for credit 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.

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