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Directory · North Carolina · Earthquake

Who writes earthquake in North Carolina

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

180 companies wrote earthquake in North Carolina in 2025, $21.1M in direct premium. Endurance American Specialty Insurance Company led with 6.6%; the top five hold 29%. 194 companies are licensed for the line.

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

Top 10 · NAIC table: 12 - Earthquake

The insurer groups that write the most earthquake 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
1American International Group$2.7M13.23%—National Union Fire Insurance Company of Pittsburgh, Pennsylvania, AIG Property Casualty Company, Lexington Insurance Company, AIU Insurance Company
2Travelers Group$2.2M10.84%—Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
3United Serv Automobile Assn Group$1.6M7.71%2%United Services Automobile Association, USAA Reciprocal, Attorney-in-fact, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company
4Sompo Group$1.4M6.87%—American Agri-Business Insurance Company, Endurance Assurance Corporation, Endurance American Insurance Company, Sompo America Insurance Company
5State Farm Group$1.3M6.52%0%State Farm Mutual Automobile Insurance Company, State Farm Fire and Casualty Company, State Farm Lloyds, State Farm General Insurance Company
6Berkshire Hathaway Group$1.2M6.10%—GEICO General Insurance Company, GEICO Texas County Mutual Insurance Company, GEICO County Mutual Insurance Company, Government Employees Insurance Company
7Auto Owners Group$1.2M5.90%0%Auto-Owners Insurance Company, Owners Insurance Company, California Capital Insurance Company, Monterey Insurance Company
8Allianz Insurance Group$936,0004.63%4%Allianz Global Risks US Insurance Company, Jefferson Insurance Company, Fireman's Fund Insurance Company, AGCS Marine Insurance Company
9Axa Insurance Group$884,0004.37%5%XL Specialty Insurance Company, XL Insurance America, Inc., Greenwich Insurance Company, |Indian Harbor Insurance Company
10Chubb Ltd Group$848,0004.19%60%Federal Insurance Company, Ace American Insurance Company, Ace Property and Casualty Insurance Company, Chubb Lloyd's Insurance Company of Texas
Earthquake · North Carolina

The companies

#CompanyNAICHome stateStatus herePremiumShare
1Endurance American Specialty Insurance Company41718DESurplus lines (eligible)$1.4M6.58%
2State Farm Fire and Casualty Company25143ILAdmitted (licensed)$1.3M6.26%
3Travelers Indemnity Company (The)25658CTAdmitted (licensed)$1.3M6.13%
4AIG Specialty Insurance Company26883ILSurplus lines (eligible)$1.2M5.53%
5Lexington Insurance Company19437DESurplus lines (eligible)$1.0M4.75%
6NATIONAL FIRE \u0026 MARINE INSURANCE COMPANY\20079NESurplus lines (eligible)$886,7294.21%
7XL Insurance America, Inc.24554DEAdmitted (licensed)$831,6093.95%
8United Services Automobile Association, USAA Reciprocal, Attorney-in-fact25941TXAdmitted (licensed)$805,1373.82%
9Allianz Global Risks US Insurance Company35300ILAdmitted (licensed)$790,9813.75%
10Owners Insurance Company32700OHAdmitted (licensed)$717,1083.40%
11MS Transverse Specialty Insurance Company41807TXSurplus lines (eligible)$544,4212.58%
12AXIS Surplus Insurance Company26620ILSurplus lines (eligible)$493,5702.34%
13Auto-Owners Insurance Company18988MIAdmitted (licensed)$476,4582.26%
14Cincinnati Insurance Company (The)10677OHAdmitted (licensed)$476,0632.26%
15TRAVELERS EXCESS \u0026 SURPLUS LINES COMPANY\29696CTSurplus lines (eligible)$471,8952.24%
16USAA Casualty Insurance Company25968TXAdmitted (licensed)$462,2972.19%
17Swiss Re Corporate Solutions Elite Insurance Corporation29700MOAdmitted (licensed)$439,6612.09%
18National Union Fire Insurance Company of Pittsburgh, Pennsylvania19445PAAdmitted (licensed)$390,3591.85%
19Evanston Insurance Company35378ILSurplus lines (eligible)$368,2561.75%
20Zurich American Insurance Company16535NYAdmitted (licensed)$318,5581.51%
21Ace American Insurance Company22667PAAdmitted (licensed)$293,6071.39%
22Liberty Mutual Fire Insurance Company23035WIAdmitted (licensed)$288,1311.37%
23Great American Insurance Company16691OHAdmitted (licensed)$257,7811.22%
24|Landmark American Insurance Company33138NHSurplus lines (eligible)$240,8451.14%
25Amica Mutual Insurance Company, The19976RIAdmitted (licensed)$237,0791.12%
26Employers Insurance Company of Wausau21458WIAdmitted (licensed)$227,1461.08%
27Allied World Assurance Company (U.S.), Inc.19489DESurplus lines (eligible)$225,5771.07%
28Travelers Property Casualty Company of America25674CTAdmitted (licensed)$212,4701.01%
29Bankers Standard Insurance Company18279PAAdmitted (licensed)$203,7720.97%
30QBE Specialty Insurance Company11515NDSurplus lines (eligible)$189,2500.90%
31USAA General Indemnity Company18600TXAdmitted (licensed)$173,1220.82%
32Westchester Surplus Lines Insurance Company10172GASurplus lines (eligible)$171,8010.82%
33Nationwide Mutual Insurance Company23787OHAdmitted (licensed)$157,2420.75%
34Columbia Casualty Company31127ILSurplus lines (eligible)$154,1360.73%
35Nationwide Property and Casualty Insurance Company37877OHAdmitted (licensed)$148,1360.70%
36Nationwide General Insurance Company23760OHAdmitted (licensed)$141,8120.67%
37Fortegra Specialty Insurance Company16823AZSurplus lines (eligible)$139,1180.66%
38Fireman's Fund Insurance Company21873ILAdmitted (licensed)$133,0500.63%
39Mt. Hawley Insurance Company37974ILSurplus lines (eligible)$131,0220.62%
40Bridgeway Insurance Company ( Formerly American Modern Surplus Lines Insurance Company12489DESurplus lines (eligible)$129,2590.61%
41Garrison Property and Casualty Insurance Company21253TXAdmitted (licensed)$118,9440.56%
42Obsidian Specialty Insurance Company16871DESurplus lines (eligible)$118,1700.56%
43AIG Property Casualty Company19402ILAdmitted (licensed)$113,2690.54%
44Travelers Personal Insurance Company38130CTAdmitted (licensed)$96,6660.46%
45Federal Insurance Company20281INAdmitted (licensed)$95,5670.45%
46Arch Specialty Insurance Company21199MOSurplus lines (eligible)$93,2820.44%
47Ategrity Specialty Insurance Company16427DESurplus lines (eligible)$92,1610.44%
48Verlan Fire Insurance Company10815NHAdmitted (licensed)$87,9310.42%
49CRUM \u0026 FORSTER SPECIALTY INSURANCE COMPANY\44520DESurplus lines (eligible)$75,2230.36%
50Berkshire Hathaway Direct Insurance Company10391NEAdmitted (licensed)$71,2660.34%
51EMPLOYERS MUTUAL CASUALTY COMPANY Employers Mutual Casualty Company)21415IAAdmitted (licensed)$69,5810.33%
52Central Insurance Company20230OHAdmitted (licensed)$67,6440.32%
53Steadfast Insurance Company26387ILSurplus lines (eligible)$67,1790.32%
54Swiss Re Corporate Solutions Capacity Insurance Corporation34916MOSurplus lines (eligible)$66,5390.32%
55Vigilant Insurance Company20397NYAdmitted (licensed)$61,4400.29%
56Atlantic Specialty Insurance Company27154NYAdmitted (licensed)$57,9160.27%
57Standard Fire Insurance Company (The)19070CTAdmitted (licensed)$54,8820.26%
58Kinsale Insurance Company38920ARSurplus lines (eligible)$52,7910.25%
59|Indian Harbor Insurance Company36940DESurplus lines (eligible)$52,7050.25%
60Insurance Company of the West27847CAAdmitted (licensed)$51,3050.24%
61Continental Casualty Company20443ILAdmitted (licensed)$51,1800.24%
62Westfield Specialty Insurance Company16992OHSurplus lines (eligible)$45,3920.22%
63Princeton Excess and Surplus Lines Insurance Company (The)10786DESurplus lines (eligible)$45,0060.21%
64Illinois Union Insurance Company27960ILSurplus lines (eligible)$31,5020.15%
65Phoenix Insurance Company, (The)25623CTAdmitted (licensed)$31,4220.15%
66Scottsdale Insurance Company41297OHSurplus lines (eligible)$30,4660.14%
67American National Property and Casualty Company28401NEAdmitted (licensed)$29,7200.14%
68Hartford Insurance Company of the Midwest37478INAdmitted (licensed)$29,0850.14%
69Swiss Re Corporate Solutions America Insurance Corporation29874MOAdmitted (licensed)$28,9140.14%
70Hanover American Insurance Company (The)36064NHAdmitted (licensed)$28,6470.14%
71Farmers Property and Casualty Insurance Company26298RIAdmitted (licensed)$25,9500.12%
72Automobile Insurance Company of Hartford, Connecticut (The)19062CTAdmitted (licensed)$25,3730.12%
73STATE AUTO PROPERTY \u0026 CASUALTY INSURANCE COMPANY25127IAAdmitted (licensed)$24,7170.12%
74Summit Specialty Insurance Company16889NESurplus lines (eligible)$24,6270.12%
75RSUI Indemnity Company22314NHAdmitted (licensed)$24,2450.12%
76Aspen Specialty Insurance Company10717NDSurplus lines (eligible)$22,5990.11%
77Federated Mutual Insurance Company13935MNAdmitted (licensed)$22,2190.11%
78EMCASCO Insurance Company21407IAAdmitted (licensed)$21,5640.10%
79Massachusetts Bay Insurance Company22306NHAdmitted (licensed)$20,5060.10%
80Westfield Insurance Company24112OHAdmitted (licensed)$19,3530.09%
81Sutton Specialty Insurance Company16848OKSurplus lines (eligible)$18,8130.09%
82American Select Insurance Company19992OHAdmitted (licensed)$17,8500.08%
83James River Insurance Company12203OHSurplus lines (eligible)$17,4170.08%
84Cincinnati Indemnity Company (The)23280OHAdmitted (licensed)$16,3680.08%
85Fidelity and Deposit Company of Maryland (The)39306ILAdmitted (licensed)$15,8910.08%
86Great American Insurance Company of New York22136NYAdmitted (licensed)$15,0490.07%
87Pennsylvania Lumbermen's Mutual Insurance Company14974PAAdmitted (licensed)$14,7690.07%
88Hartford Underwriters Insurance Company30104CTAdmitted (licensed)$14,6700.07%
89Lititz Mutual Insurance Company14400PAAdmitted (licensed)$13,4050.06%
90The Members Ins Co12617NCAdmitted (licensed)$12,7320.06%
91Hanover Insurance Company (The)22292NHAdmitted (licensed)$12,6770.06%
92Westfield National Insurance Company24120OHAdmitted (licensed)$12,6240.06%
93GuideOne National Insurance Company14167IASurplus lines (eligible)$12,3080.06%
94Fireman's Fund Indemnity Corporation11380NJSurplus lines (eligible)$12,1480.06%
95Citizens Insurance Company of America31534MIAdmitted (licensed)$11,6590.06%
96EMC PROPERTY \u0026 CASUALTY COMPANY25186IAAdmitted (licensed)$11,2500.05%
97Golden Bear Insurance Company39861CASurplus lines (eligible)$11,1320.05%
98Allmerica Financial Benefit Insurance Company41840MIAdmitted (licensed)$10,7120.05%
99West Bend Insurance Company15350WIAdmitted (licensed)$10,2970.05%
100Arch Insurance (UK) Limited11150MOAdmitted (licensed)$9,5910.05%
101Union Insurance Company of Providence21423IAAdmitted (licensed)$8,9010.04%
102General Star Indemnity Company37362DESurplus lines (eligible)$8,0000.04%
103Cincinnati Casualty Company (The)28665OHAdmitted (licensed)$7,6000.04%
104Sentry Insurance Company24988WIAdmitted (licensed)$7,5820.04%
105Economy Premier Assurance Company40649ILAdmitted (licensed)$7,1960.03%
106Middlesex Insurance Company23434WIAdmitted (licensed)$6,3410.03%
107HORACE MANN PROPERTY \u0026 CASUALTY INSURANCE COMPANY22756ILAdmitted (licensed)$6,0300.03%
108OCCIDENTAL FIRE \u0026 CASUALTY COMPANY OF NORTH CAROLINA23248NCAdmitted (licensed)$5,8670.03%
109Republic-Franklin Insurance Company12475OHAdmitted (licensed)$5,5210.03%
110Stillwater Property and Casualty Insurance Company16578NYAdmitted (licensed)$5,4320.03%
111Travelers Personal Security Insurance Company36145CTAdmitted (licensed)$5,3700.03%
112TransGuard Insurance Company of America, Inc.28886ILAdmitted (licensed)$5,3600.03%
113Nationwide Agribusiness Insurance Company28223IAAdmitted (licensed)$4,4040.02%
114Motorists Commercial Mutual Insurance Company13331OHAdmitted (licensed)$4,3790.02%
115Teachers Insurance Company22683ILAdmitted (licensed)$3,7850.02%
116Federated Service Insurance Company28304MNAdmitted (licensed)$3,6180.02%
117State Automobile Mutual Insurance Company25135OHAdmitted (licensed)$3,5230.02%
118Ohio Security Insurance Company24082NHAdmitted (licensed)$3,3780.02%
119Granite State Insurance Company23809ILAdmitted (licensed)$3,3540.02%
120Southern Insurance Company of Virginia26867VAAdmitted (licensed)$3,3380.02%
121Republic - Vanguard Insurance Company40479AZSurplus lines (eligible)$3,3250.02%
122Transportation Insurance Company20494ILAdmitted (licensed)$2,9870.01%
123Westfield Superior Insurance Company16449OHAdmitted (licensed)$2,8040.01%
124Hartford Casualty Insurance Company29424INAdmitted (licensed)$2,7330.01%
125Nationwide Insurance Company of Florida10948OHAdmitted (licensed)$2,5790.01%
126SOMPO AMERICA FIRE \u0026 MARINE INSURANCE COMPANY38997NYAdmitted (licensed)$2,4670.01%
127NATIONAL LIABILITY \u0026 FIRE INSURANCE COMPANY20052CTAdmitted (licensed)$2,4180.01%
128Affiliated F M Insurance Company10014RIAdmitted (licensed)$2,4160.01%
129Hartford Accident and Indemnity Company22357CTAdmitted (licensed)$2,3230.01%
130American Guarantee and Liability Insurance Company26247NYAdmitted (licensed)$2,1170.01%
131Old Guard Insurance Company17558OHAdmitted (licensed)$1,9740.01%
132Continental Insurance Company, (The)35289PAAdmitted (licensed)$1,9500.01%
133Horace Mann Insurance Company22578ILAdmitted (licensed)$1,9190.01%
134Charter Oak Fire Insurance Company, (The)25615CTAdmitted (licensed)$1,8710.01%
135Phenix Mutual Fire Insurance Company23175OHAdmitted (licensed)$1,5460.01%
136Vantage Risk Specialty Insurance Company16275DESurplus lines (eligible)$1,5080.01%
137Westfield Champion Insurance Company16447OHAdmitted (licensed)$1,3250.01%
138AmGUARD Insurance Company42390NEAdmitted (licensed)$1,2850.01%
139Westfield Premier Insurance Company16450OHAdmitted (licensed)$1,2570.01%
140New Hampshire Insurance Company23841ILAdmitted (licensed)$1,2430.01%
141Sentry Select Insurance Company21180WIAdmitted (licensed)$1,2090.01%
142American Zurich Insurance Company40142ILAdmitted (licensed)$1,1250.01%
143Berkley National Insurance Company38911IAAdmitted (licensed)$1,1080.01%
144Ace Property and Casualty Insurance Company20699PAAdmitted (licensed)$1,0610.01%
145Harco National Insurance Company26433ILAdmitted (licensed)$1,0450.00%
146L M Insurance Corporation33600ILAdmitted (licensed)$1,0280.00%
147Nationwide Affinity Insurance Company of America26093OHAdmitted (licensed)$1,0120.00%
148Travelers Indemnity Company of America (The)25666CTAdmitted (licensed)$9850.00%
149Great American Alliance Insurance Company26832OHAdmitted (licensed)$9640.00%
150Travelers Casualty and Surety Company19038CTAdmitted (licensed)$8770.00%
151AMCO Insurance Company19100IAAdmitted (licensed)$7260.00%
152Nationwide Mutual Insurance Company10723OHAdmitted (licensed)$7040.00%
153Farmers Direct Property and Casualty Insurance Company25321RIAdmitted (licensed)$5610.00%
154Great American Assurance Company26344OHAdmitted (licensed)$5280.00%
155Motorists Mutual Insurance Company14621OHAdmitted (licensed)$5250.00%
156Liberty Mutual Insurance Company42404ILAdmitted (licensed)$5240.00%
157Universal Insurance Company32972NCAdmitted (licensed)$4880.00%
158Homeland Insurance Company of New York34452NYSurplus lines (eligible)$4800.00%
159Velocity Specialty Insurance Company39640DESurplus lines (eligible)$4210.00%
160QBE Insurance (Europe) Limited39217PAAdmitted (licensed)$4180.00%
161First Liberty Insurance Corporation (The)33588ILAdmitted (licensed)$3740.00%
162Federated Reserve Insurance Company16024MNAdmitted (licensed)$3390.00%
163Sompo America Insurance Company11126NYAdmitted (licensed)$3310.00%
164American Casualty Company of Reading, Pennsylvania20427PAAdmitted (licensed)$2360.00%
165Ohio Farmers Insurance Company24104OHAdmitted (licensed)$1850.00%
166AXIS Insurance Company37273ILAdmitted (licensed)$1730.00%
167Westfield Touchstone Insurance Company16448OHAdmitted (licensed)$1380.00%
168Berkley Regional Insurance Company29580IAAdmitted (licensed)$1120.00%
169St. Paul Fire and Marine Insurance Company24767CTAdmitted (licensed)$1000.00%
170Utica Mutual Insurance Company25976NYAdmitted (licensed)$760.00%
171Pacific Employers Insurance Company22748PAAdmitted (licensed)$500.00%
172St. Paul Mercury Insurance Company24791CTAdmitted (licensed)$500.00%
173StarNet Insurance Company40045IAAdmitted (licensed)$490.00%
174National Fire Insurance Company of Hartford20478ILAdmitted (licensed)$440.00%
175American Fire and Casualty Company24066NHAdmitted (licensed)$430.00%
176Tri-State Insurance Company of Minnesota31003IAAdmitted (licensed)$260.00%
177Pharmacists Mutual Insurance Company13714IAAdmitted (licensed)$210.00%
178Valley Forge Insurance Company20508PAAdmitted (licensed)$170.00%
179Acadia Insurance Company31325IAAdmitted (licensed)$160.00%
180Allied Property and Casualty Insurance Company42579IAAdmitted (licensed)$20.00%
Turned down?

Last resort for earthquake 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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