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Directory · North Carolina · Crime (burglary and theft)

Who writes crime (burglary and theft) in North Carolina

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

162 companies wrote crime (burglary and theft) in North Carolina in 2025, $17.0M in direct premium. Federal Insurance Company led with 17.7%; the top five hold 67%. 169 companies are licensed for the line.

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

Top 10 · NAIC table: 26 - Burglary and Theft

The insurer groups that write the most crime (burglary and theft) 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
1Zurich Insurance Group$3.1M18.56%—Zurich American Insurance Company, Rural Community Insurance Company, American Zurich Insurance Company, American Guarantee and Liability Insurance Company
2Chubb Ltd Group$3.1M18.18%9%Federal Insurance Company, Ace American Insurance Company, Ace Property and Casualty Insurance Company, Chubb Lloyd's Insurance Company of Texas
3Cincinnati Financial Group$2.3M13.80%85%Cincinnati Insurance Company (The), Cincinnati Casualty Company (The), Cincinnati Indemnity Company (The), Cincinnati Specialty Underwriters Insurance Company (The)
4Travelers Group$2.2M13.10%103%Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
5Axa Insurance Group$1.3M7.93%—XL Specialty Insurance Company, XL Insurance America, Inc., Greenwich Insurance Company, |Indian Harbor Insurance Company
6Cna Insurance Group$905,0005.34%26%Continental Casualty Company, Continental Insurance Company, (The), American Casualty Company of Reading, Pennsylvania, National Fire Insurance Company of Hartford
7Berkshire Hathaway Group$490,0002.89%14%GEICO General Insurance Company, GEICO Texas County Mutual Insurance Company, GEICO County Mutual Insurance Company, Government Employees Insurance Company
8Wr Berkley Corporation Group$345,0002.03%160%Berkley Assurance Company, Berkley National Insurance Company, Carolina Casualty Insurance Company, StarNet Insurance Company
9The Hanover Insurance Group$342,0002.02%15%Hanover Insurance Company (The), Allmerica Financial Benefit Insurance Company, Massachusetts Bay Insurance Company, Citizens Insurance Company of America
10Tokio Marine Holdings Inc Group$323,0001.90%—Philadelphia Indemnity Insurance Company, Privilege Underwriters Reciprocal Exchange, PURE Risk Mgt, Atty-in-Fact, Safety National Casualty Corporation, Producers Agriculture Insurance Company
Crime (burglary and theft) · North Carolina

The companies

#CompanyNAICHome stateStatus herePremiumShare
1Federal Insurance Company20281INAdmitted (licensed)$3.0M17.66%
2Steadfast Insurance Company26387ILSurplus lines (eligible)$2.7M15.99%
3Cincinnati Insurance Company (The)10677OHAdmitted (licensed)$2.2M13.18%
4Travelers Casualty and Surety Company of America31194CTAdmitted (licensed)$2.2M12.88%
5XL Specialty Insurance Company37885DEAdmitted (licensed)$1.3M7.65%
6Continental Casualty Company20443ILAdmitted (licensed)$520,8683.07%
7Zurich American Insurance Company16535NYAdmitted (licensed)$414,8592.44%
8Columbia Casualty Company31127ILSurplus lines (eligible)$379,3622.24%
9Hanover Insurance Company (The)22292NHAdmitted (licensed)$317,3821.87%
10Hiscox Insurance Company (Bermuda), Ltd.10200ILAdmitted (licensed)$274,5741.62%
11AXIS Surplus Insurance Company26620ILSurplus lines (eligible)$265,8771.57%
12|Houston Casualty Company42374TXSurplus lines (eligible)$221,5541.31%
13United States Liability Insurance Company25895NEAdmitted (licensed)$180,5851.06%
14Everest National Insurance Company10120DEAdmitted (licensed)$170,6931.01%
15Ascot Insurance Company23752COAdmitted (licensed)$169,6551.00%
16National Union Fire Insurance Company of Pittsburgh, Pennsylvania19445PAAdmitted (licensed)$169,4281.00%
17Berkshire Hathaway Specialty Insurance Company22276NEAdmitted (licensed)$165,0400.97%
18Berkley Assurance Company32603DEAdmitted (licensed)$151,8160.89%
19Allianz Global Risks US Insurance Company35300ILAdmitted (licensed)$150,1970.88%
20Hartford Fire Insurance Company19682CTAdmitted (licensed)$146,3790.86%
21Liberty Mutual Insurance Company23043MAAdmitted (licensed)$104,0220.61%
22NATIONAL FIRE \u0026 MARINE INSURANCE COMPANY\20079NESurplus lines (eligible)$102,9900.61%
23Atlantic Specialty Insurance Company27154NYAdmitted (licensed)$94,4420.56%
24Twin City Fire Insurance Company (The)29459INAdmitted (licensed)$88,8090.52%
25Old Republic Insurance Company24147PAAdmitted (licensed)$87,5600.52%
26Ace American Insurance Company22667PAAdmitted (licensed)$71,9040.42%
27Cincinnati Indemnity Company (The)23280OHAdmitted (licensed)$69,9880.41%
28StarNet Insurance Company40045IAAdmitted (licensed)$66,8210.39%
29Federated Rural Electric Insurance Exchange11118KSAdmitted (licensed)$64,9510.38%
30Berkley Regional Insurance Company29580IAAdmitted (licensed)$63,4170.37%
31Federated Mutual Insurance Company13935MNAdmitted (licensed)$56,4660.33%
32Ategrity Specialty Insurance Company16427DESurplus lines (eligible)$56,3950.33%
33U.S. Specialty Insurance Company29599TXAdmitted (licensed)$55,5080.33%
34Berkley National Insurance Company38911IAAdmitted (licensed)$54,8210.32%
35Philadelphia Indemnity Insurance Company18058PAAdmitted (licensed)$45,8550.27%
36|Mount Vernon Fire Insurance Company26522PASurplus lines (eligible)$40,3840.24%
37XL Insurance America, Inc.24554DEAdmitted (licensed)$40,2180.24%
38Concert Specialty Insurance Company17151MTSurplus lines (eligible)$37,2200.22%
39Travelers Property Casualty Company of America25674CTAdmitted (licensed)$31,9010.19%
40Owners Insurance Company32700OHAdmitted (licensed)$30,7440.18%
41Auto-Owners Insurance Company18988MIAdmitted (licensed)$30,5970.18%
42Arch Insurance (UK) Limited11150MOAdmitted (licensed)$26,9180.16%
43Navigators Insurance Company42307NYAdmitted (licensed)$26,6300.16%
44Cincinnati Specialty Underwriters Insurance Company (The)13037DESurplus lines (eligible)$21,6760.13%
45Falls Lake National Insurance Company31925OHAdmitted (licensed)$21,3860.13%
46Bridgeway Insurance Company ( Formerly American Modern Surplus Lines Insurance Company12489DESurplus lines (eligible)$20,7920.12%
47Accelerant Specialty Insurance Company16890ARSurplus lines (eligible)$20,7320.12%
48EMPLOYERS MUTUAL CASUALTY COMPANY Employers Mutual Casualty Company)21415IAAdmitted (licensed)$19,2490.11%
49NGM Insurance Company14788FLAdmitted (licensed)$16,7240.10%
50Nationwide Insurance Company of America25453OHAdmitted (licensed)$15,6910.09%
51Federated Reserve Insurance Company16024MNAdmitted (licensed)$15,1990.09%
52Dellwood Specialty Insurance Company17332AZSurplus lines (eligible)$14,4090.08%
53West Bend Insurance Company15350WIAdmitted (licensed)$13,8090.08%
54Nova Casualty Company42552NYAdmitted (licensed)$13,8060.08%
55Cincinnati Casualty Company (The)28665OHAdmitted (licensed)$13,3320.08%
56Utica Mutual Insurance Company25976NYAdmitted (licensed)$13,3160.08%
57Selective Insurance Company of America12572NJAdmitted (licensed)$13,0460.08%
58TransGuard Insurance Company of America, Inc.28886ILAdmitted (licensed)$12,9440.08%
59Liberty Mutual Fire Insurance Company23035WIAdmitted (licensed)$12,5710.07%
60State Automobile Mutual Insurance Company25135OHAdmitted (licensed)$11,3460.07%
61Nationwide Mutual Insurance Company23787OHAdmitted (licensed)$10,3520.06%
62Scottsdale Indemnity Company15580OHAdmitted (licensed)$9,5540.06%
63Fidelity and Deposit Company of Maryland (The)39306ILAdmitted (licensed)$9,2020.05%
64Selective Insurance Company of the Southeast39926INAdmitted (licensed)$7,5850.04%
65American Guarantee and Liability Insurance Company26247NYAdmitted (licensed)$7,4220.04%
66North Carolina Farm Bur Mut Ins Co14842NCAdmitted (licensed)$7,3600.04%
67Allmerica Financial Benefit Insurance Company41840MIAdmitted (licensed)$6,9150.04%
68Great American Insurance Company16691OHAdmitted (licensed)$6,8610.04%
69Motors Insurance Corporation22012MIAdmitted (licensed)$6,4780.04%
70|Indian Harbor Insurance Company36940DESurplus lines (eligible)$6,3580.04%
71Firemen's Insurance Company of Washington, D. C.21784IAAdmitted (licensed)$5,9790.04%
72|Hadron Specialty Insurance Company17534ARSurplus lines (eligible)$5,8740.03%
73Penn Millers Insurance Company14982PAAdmitted (licensed)$5,8220.03%
74Nationwide Affinity Insurance Company of America26093OHAdmitted (licensed)$5,5130.03%
75Swiss Re Corporate Solutions America Insurance Corporation29874MOAdmitted (licensed)$5,4700.03%
76Middlesex Insurance Company23434WIAdmitted (licensed)$5,3840.03%
77QBE Insurance (Europe) Limited39217PAAdmitted (licensed)$5,0210.03%
78American Casualty Company of Reading, Pennsylvania20427PAAdmitted (licensed)$4,8630.03%
79Fireman's Fund Indemnity Corporation11380NJSurplus lines (eligible)$4,7880.03%
80Wesco Insurance Company25011DEAdmitted (licensed)$4,7850.03%
81Selective Insurance Company of South Carolina19259INAdmitted (licensed)$4,6620.03%
82Westfield Insurance Company24112OHAdmitted (licensed)$4,6450.03%
83Federated Service Insurance Company28304MNAdmitted (licensed)$4,4660.03%
84Pennsylvania Lumbermen's Mutual Insurance Company14974PAAdmitted (licensed)$4,1240.02%
85Markel American Insurance Company28932VAAdmitted (licensed)$4,0240.02%
86American Zurich Insurance Company40142ILAdmitted (licensed)$3,9370.02%
87St. Paul Fire and Marine Insurance Company24767CTAdmitted (licensed)$3,8540.02%
88Manufacturers Alliance Insurance Company36897PAAdmitted (licensed)$3,4150.02%
89Westchester Fire Insurance Company10030PAAdmitted (licensed)$3,1520.02%
90Chubb Custom Insurance Company38989NJSurplus lines (eligible)$3,1320.02%
91Sentry Select Insurance Company21180WIAdmitted (licensed)$2,9310.02%
92Massachusetts Bay Insurance Company22306NHAdmitted (licensed)$2,7710.02%
93Motorists Mutual Insurance Company14621OHAdmitted (licensed)$2,6950.02%
94Employers Insurance Company of Wausau21458WIAdmitted (licensed)$2,6910.02%
95AIG Specialty Insurance Company26883ILSurplus lines (eligible)$2,5000.01%
96NATIONAL LIABILITY \u0026 FIRE INSURANCE COMPANY20052CTAdmitted (licensed)$2,4180.01%
97New Hampshire Insurance Company23841ILAdmitted (licensed)$2,3490.01%
98New York Marine and General Insurance Company16608NYAdmitted (licensed)$2,1830.01%
99Executive Risk Indemnity, Inc.35181DEAdmitted (licensed)$2,0810.01%
100Great American Assurance Company26344OHAdmitted (licensed)$2,0540.01%
101Nationwide Mutual Insurance Company10723OHAdmitted (licensed)$1,9110.01%
102Union Insurance Company25844IAAdmitted (licensed)$1,4950.01%
103American Select Insurance Company19992OHAdmitted (licensed)$1,4610.01%
104Fireman's Fund Insurance Company21873ILAdmitted (licensed)$1,3830.01%
105Harford Mutual Insurance Company14141MDAdmitted (licensed)$1,3720.01%
106Motorists Commercial Mutual Insurance Company13331OHAdmitted (licensed)$1,2180.01%
107Hanover American Insurance Company (The)36064NHAdmitted (licensed)$1,1620.01%
108Homeland Insurance Company of New York34452NYSurplus lines (eligible)$1,1510.01%
109Central Insurance Company20230OHAdmitted (licensed)$1,1330.01%
110AmGUARD Insurance Company42390NEAdmitted (licensed)$9000.01%
111Pennsylvania National Mutual Casualty Insurance Company14990PAAdmitted (licensed)$8610.01%
112Nationwide Property and Casualty Insurance Company37877OHAdmitted (licensed)$8540.01%
113State National Insurance Company, Inc.12831TXAdmitted (licensed)$8370.00%
114Northfield Insurance Company27987IASurplus lines (eligible)$8310.00%
115Concert Insurance Company10891ILAdmitted (licensed)$7090.00%
116Everest Indemnity Insurance Company10851DESurplus lines (eligible)$7090.00%
117Southern Insurance Company of Virginia26867VAAdmitted (licensed)$6620.00%
118Acadia Insurance Company31325IAAdmitted (licensed)$6210.00%
119Westfield National Insurance Company24120OHAdmitted (licensed)$4690.00%
120Old Guard Insurance Company17558OHAdmitted (licensed)$4670.00%
121STATE AUTO PROPERTY \u0026 CASUALTY INSURANCE COMPANY25127IAAdmitted (licensed)$4660.00%
122Nationwide General Insurance Company23760OHAdmitted (licensed)$3750.00%
123Ace Fire Underwriters Insurance Company20702PAAdmitted (licensed)$3650.00%
124Fidelity and Guaranty Insurance Company35386IAAdmitted (licensed)$3570.00%
125National Casualty Company11991OHAdmitted (licensed)$3380.00%
126Vigilant Insurance Company20397NYAdmitted (licensed)$3300.00%
127AXIS Insurance Company37273ILAdmitted (licensed)$2990.00%
128Arch Specialty Insurance Company21199MOSurplus lines (eligible)$2920.00%
129Colony Insurance Company39993NESurplus lines (eligible)$2500.00%
130Pennsylvania Insurance Company21962NMAdmitted (licensed)$2500.00%
131Westfield Superior Insurance Company16449OHAdmitted (licensed)$2440.00%
132Southwest Marine and General Insurance Company12294AZAdmitted (licensed)$2380.00%
133Zurich American Insurance Company of Illinois27855ILAdmitted (licensed)$2240.00%
134Nationwide Agribusiness Insurance Company28223IAAdmitted (licensed)$2220.00%
135Markel Insurance Company38970ILAdmitted (licensed)$2090.00%
136Builders Mutual Insurance Company10844NCAdmitted (licensed)$1870.00%
137U.S. Underwriters Insurance Company35416NDAdmitted (licensed)$1600.00%
138Travelers Indemnity Company of Connecticut (The)25682CTAdmitted (licensed)$1540.00%
139Transportation Insurance Company20494ILAdmitted (licensed)$1520.00%
140Sentry Insurance Company24988WIAdmitted (licensed)$1470.00%
141Scottsdale Insurance Company41297OHSurplus lines (eligible)$1370.00%
142Frankenmuth Insurance Company13986MIAdmitted (licensed)$1340.00%
143Ohio Farmers Insurance Company24104OHAdmitted (licensed)$1270.00%
144Westfield Touchstone Insurance Company16448OHAdmitted (licensed)$1260.00%
145Greenwich Insurance Company22322DEAdmitted (licensed)$1160.00%
146Chubb Indemnity Insurance Company12777NYAdmitted (licensed)$1040.00%
147Charter Oak Fire Insurance Company, (The)25615CTAdmitted (licensed)$930.00%
148Continental Insurance Company, (The)35289PAAdmitted (licensed)$910.00%
149Great Northern Insurance Company20303INAdmitted (licensed)$790.00%
150Great American Insurance Company of New York22136NYAdmitted (licensed)$750.00%
151American Bankers Insurance Company of Florida10111FLAdmitted (licensed)$720.00%
152Security National Insurance Company19879DEAdmitted (licensed)$620.00%
153Standard Fire Insurance Company (The)19070CTAdmitted (licensed)$340.00%
154St. Paul Mercury Insurance Company24791CTAdmitted (licensed)$320.00%
155St. Paul Guardian Insurance Company24775CTAdmitted (licensed)$250.00%
156Amerisure Insurance Company19488MIAdmitted (licensed)$200.00%
157National Fire Insurance Company of Hartford20478ILAdmitted (licensed)$200.00%
158Westfield Champion Insurance Company16447OHAdmitted (licensed)$80.00%
159Amerisure Mutual Insurance Company23396MIAdmitted (licensed)$70.00%
160Farmington Casualty Company41483CTAdmitted (licensed)$30.00%
161Tokio Marine Specialty Insurance Company23850DESurplus lines (eligible)$10.00%
162Westfield Premier Insurance Company16450OHAdmitted (licensed)$10.00%
Turned down?

Last resort for crime (burglary and theft) 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.

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