
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
The companies
| # | Company | NAIC | Home state | Status here | Premium | Share |
|---|---|---|---|---|---|---|
| 1 | Ohio Indemnity Company | 26565 | OH | Admitted (licensed) | $12.2M | 14.19% |
| 2 | Triton Insurance Company | 41211 | TX | Admitted (licensed) | $10.0M | 11.62% |
| 3 | GREAT AMERICAN E\u0026 S INSURANCE COMPANY\ | 37532 | OH | Surplus lines (eligible) | $7.0M | 8.13% |
| 4 | Euler Hermes North America Insurance Company | 20516 | MD | Admitted (licensed) | $6.5M | 7.62% |
| 5 | Securian Casualty Company | 10054 | MN | Admitted (licensed) | $6.1M | 7.11% |
| 6 | MSIG Specialty Insurance USA Inc. | 34886 | NY | Surplus lines (eligible) | $6.0M | 6.97% |
| 7 | Great American Assurance Company | 26344 | OH | Admitted (licensed) | $5.6M | 6.50% |
| 8 | Arch Insurance (UK) Limited | 11150 | MO | Admitted (licensed) | $4.6M | 5.40% |
| 9 | Atlantic Specialty Insurance Company | 27154 | NY | Admitted (licensed) | $4.6M | 5.35% |
| 10 | Coface North America Insurance Company | 31887 | MA | Admitted (licensed) | $3.1M | 3.64% |
| 11 | Atradius Trade Credit Insurance, Inc. | 25422 | MD | Admitted (licensed) | $3.0M | 3.47% |
| 12 | Fortegra Specialty Insurance Company | 16823 | AZ | Surplus lines (eligible) | $2.2M | 2.59% |
| 13 | Old Republic Insurance Company | 24147 | PA | Admitted (licensed) | $1.7M | 2.02% |
| 14 | Republic - Vanguard Insurance Company | 40479 | AZ | Surplus lines (eligible) | $1.6M | 1.85% |
| 15 | Wesco Insurance Company | 25011 | DE | Admitted (licensed) | $1.5M | 1.70% |
| 16 | Integon National Insurance Company | 29742 | IL | Admitted (licensed) | $1.4M | 1.66% |
| 17 | First Colonial Insurance Company | 29980 | IL | Admitted (licensed) | $1.4M | 1.60% |
| 18 | Toyota Motor Insurance Company | 37621 | AZ | Admitted (licensed) | $1.1M | 1.23% |
| 19 | National Union Fire Insurance Company of Pittsburgh, Pennsylvania | 19445 | PA | Admitted (licensed) | $930,163 | 1.09% |
| 20 | Liberty Mutual Insurance Company | 23043 | MA | Admitted (licensed) | $623,004 | 0.73% |
| 21 | U.S. Specialty Insurance Company | 29599 | TX | Admitted (licensed) | $462,662 | 0.54% |
| 22 | American National Property and Casualty Company | 28401 | NE | Admitted (licensed) | $455,284 | 0.53% |
| 23 | Great American Insurance Company | 16691 | OH | Admitted (licensed) | $435,404 | 0.51% |
| 24 | American National Lloyds Insurance Company | 10043 | TX | Surplus lines (eligible) | $430,107 | 0.50% |
| 25 | Columbia Casualty Company | 31127 | IL | Surplus lines (eligible) | $338,072 | 0.39% |
| 26 | United States Fire Insurance Company | 21113 | DE | Admitted (licensed) | $280,826 | 0.33% |
| 27 | Everest Indemnity Insurance Company | 10851 | DE | Surplus lines (eligible) | $278,133 | 0.32% |
| 28 | Lyndon Southern Insurance Company | 10051 | DE | Admitted (licensed) | $253,182 | 0.30% |
| 29 | American Bankers Insurance Company of Florida | 10111 | FL | Admitted (licensed) | $251,924 | 0.29% |
| 30 | CRUM \u0026 FORSTER SPECIALTY INSURANCE COMPANY\ | 44520 | DE | Surplus lines (eligible) | $244,777 | 0.29% |
| 31 | STARR INDEMNITY \u0026 LIABILITY COMPANY | 38318 | TX | Admitted (licensed) | $240,000 | 0.28% |
| 32 | StarStone National Insurance Company | 25496 | DE | Admitted (licensed) | $225,944 | 0.26% |
| 33 | Centennial Casualty Company | 34568 | AL | Surplus lines (eligible) | $173,388 | 0.20% |
| 34 | Ace Property and Casualty Insurance Company | 20699 | PA | Admitted (licensed) | $153,000 | 0.18% |
| 35 | General Security National Insurance Company | 39322 | NY | Admitted (licensed) | $147,542 | 0.17% |
| 36 | StarStone Specialty Insurance Company | 44776 | DE | Surplus lines (eligible) | $122,720 | 0.14% |
| 37 | Ace American Insurance Company | 22667 | PA | Admitted (licensed) | $69,318 | 0.08% |
| 38 | Allied World Assurance Company (U.S.) Inc. | 22730 | NH | Admitted (licensed) | $63,500 | 0.07% |
| 39 | Allied World Specialty Insurance Company | 16624 | DE | Admitted (licensed) | $35,275 | 0.04% |
| 40 | Arch Specialty Insurance Company | 21199 | MO | Surplus lines (eligible) | $32,873 | 0.04% |
| 41 | Accelerant Specialty Insurance Company | 16890 | AR | Surplus lines (eligible) | $28,653 | 0.03% |
| 42 | Arch Indemnity Insurance Company | 30830 | MO | Admitted (licensed) | $9,687 | 0.01% |
| 43 | Securian Specialty Lines, Inc. | 17631 | TX | Surplus lines (eligible) | $8,184 | 0.01% |
| 44 | MGIC Assurance Corporation | 22594 | WI | Admitted (licensed) | $2,811 | 0.00% |
| 45 | Virginia Surety Company, Inc. | 40827 | IL | Admitted (licensed) | $264 | 0.00% |
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.
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