
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
The companies
| # | Company | NAIC | Home state | Status here | Premium | Share |
|---|---|---|---|---|---|---|
| 1 | Endurance American Specialty Insurance Company | 41718 | DE | Surplus lines (eligible) | $1.4M | 6.58% |
| 2 | State Farm Fire and Casualty Company | 25143 | IL | Admitted (licensed) | $1.3M | 6.26% |
| 3 | Travelers Indemnity Company (The) | 25658 | CT | Admitted (licensed) | $1.3M | 6.13% |
| 4 | AIG Specialty Insurance Company | 26883 | IL | Surplus lines (eligible) | $1.2M | 5.53% |
| 5 | Lexington Insurance Company | 19437 | DE | Surplus lines (eligible) | $1.0M | 4.75% |
| 6 | NATIONAL FIRE \u0026 MARINE INSURANCE COMPANY\ | 20079 | NE | Surplus lines (eligible) | $886,729 | 4.21% |
| 7 | XL Insurance America, Inc. | 24554 | DE | Admitted (licensed) | $831,609 | 3.95% |
| 8 | United Services Automobile Association, USAA Reciprocal, Attorney-in-fact | 25941 | TX | Admitted (licensed) | $805,137 | 3.82% |
| 9 | Allianz Global Risks US Insurance Company | 35300 | IL | Admitted (licensed) | $790,981 | 3.75% |
| 10 | Owners Insurance Company | 32700 | OH | Admitted (licensed) | $717,108 | 3.40% |
| 11 | MS Transverse Specialty Insurance Company | 41807 | TX | Surplus lines (eligible) | $544,421 | 2.58% |
| 12 | AXIS Surplus Insurance Company | 26620 | IL | Surplus lines (eligible) | $493,570 | 2.34% |
| 13 | Auto-Owners Insurance Company | 18988 | MI | Admitted (licensed) | $476,458 | 2.26% |
| 14 | Cincinnati Insurance Company (The) | 10677 | OH | Admitted (licensed) | $476,063 | 2.26% |
| 15 | TRAVELERS EXCESS \u0026 SURPLUS LINES COMPANY\ | 29696 | CT | Surplus lines (eligible) | $471,895 | 2.24% |
| 16 | USAA Casualty Insurance Company | 25968 | TX | Admitted (licensed) | $462,297 | 2.19% |
| 17 | Swiss Re Corporate Solutions Elite Insurance Corporation | 29700 | MO | Admitted (licensed) | $439,661 | 2.09% |
| 18 | National Union Fire Insurance Company of Pittsburgh, Pennsylvania | 19445 | PA | Admitted (licensed) | $390,359 | 1.85% |
| 19 | Evanston Insurance Company | 35378 | IL | Surplus lines (eligible) | $368,256 | 1.75% |
| 20 | Zurich American Insurance Company | 16535 | NY | Admitted (licensed) | $318,558 | 1.51% |
| 21 | Ace American Insurance Company | 22667 | PA | Admitted (licensed) | $293,607 | 1.39% |
| 22 | Liberty Mutual Fire Insurance Company | 23035 | WI | Admitted (licensed) | $288,131 | 1.37% |
| 23 | Great American Insurance Company | 16691 | OH | Admitted (licensed) | $257,781 | 1.22% |
| 24 | |Landmark American Insurance Company | 33138 | NH | Surplus lines (eligible) | $240,845 | 1.14% |
| 25 | Amica Mutual Insurance Company, The | 19976 | RI | Admitted (licensed) | $237,079 | 1.12% |
| 26 | Employers Insurance Company of Wausau | 21458 | WI | Admitted (licensed) | $227,146 | 1.08% |
| 27 | Allied World Assurance Company (U.S.), Inc. | 19489 | DE | Surplus lines (eligible) | $225,577 | 1.07% |
| 28 | Travelers Property Casualty Company of America | 25674 | CT | Admitted (licensed) | $212,470 | 1.01% |
| 29 | Bankers Standard Insurance Company | 18279 | PA | Admitted (licensed) | $203,772 | 0.97% |
| 30 | QBE Specialty Insurance Company | 11515 | ND | Surplus lines (eligible) | $189,250 | 0.90% |
| 31 | USAA General Indemnity Company | 18600 | TX | Admitted (licensed) | $173,122 | 0.82% |
| 32 | Westchester Surplus Lines Insurance Company | 10172 | GA | Surplus lines (eligible) | $171,801 | 0.82% |
| 33 | Nationwide Mutual Insurance Company | 23787 | OH | Admitted (licensed) | $157,242 | 0.75% |
| 34 | Columbia Casualty Company | 31127 | IL | Surplus lines (eligible) | $154,136 | 0.73% |
| 35 | Nationwide Property and Casualty Insurance Company | 37877 | OH | Admitted (licensed) | $148,136 | 0.70% |
| 36 | Nationwide General Insurance Company | 23760 | OH | Admitted (licensed) | $141,812 | 0.67% |
| 37 | Fortegra Specialty Insurance Company | 16823 | AZ | Surplus lines (eligible) | $139,118 | 0.66% |
| 38 | Fireman's Fund Insurance Company | 21873 | IL | Admitted (licensed) | $133,050 | 0.63% |
| 39 | Mt. Hawley Insurance Company | 37974 | IL | Surplus lines (eligible) | $131,022 | 0.62% |
| 40 | Bridgeway Insurance Company ( Formerly American Modern Surplus Lines Insurance Company | 12489 | DE | Surplus lines (eligible) | $129,259 | 0.61% |
| 41 | Garrison Property and Casualty Insurance Company | 21253 | TX | Admitted (licensed) | $118,944 | 0.56% |
| 42 | Obsidian Specialty Insurance Company | 16871 | DE | Surplus lines (eligible) | $118,170 | 0.56% |
| 43 | AIG Property Casualty Company | 19402 | IL | Admitted (licensed) | $113,269 | 0.54% |
| 44 | Travelers Personal Insurance Company | 38130 | CT | Admitted (licensed) | $96,666 | 0.46% |
| 45 | Federal Insurance Company | 20281 | IN | Admitted (licensed) | $95,567 | 0.45% |
| 46 | Arch Specialty Insurance Company | 21199 | MO | Surplus lines (eligible) | $93,282 | 0.44% |
| 47 | Ategrity Specialty Insurance Company | 16427 | DE | Surplus lines (eligible) | $92,161 | 0.44% |
| 48 | Verlan Fire Insurance Company | 10815 | NH | Admitted (licensed) | $87,931 | 0.42% |
| 49 | CRUM \u0026 FORSTER SPECIALTY INSURANCE COMPANY\ | 44520 | DE | Surplus lines (eligible) | $75,223 | 0.36% |
| 50 | Berkshire Hathaway Direct Insurance Company | 10391 | NE | Admitted (licensed) | $71,266 | 0.34% |
| 51 | EMPLOYERS MUTUAL CASUALTY COMPANY Employers Mutual Casualty Company) | 21415 | IA | Admitted (licensed) | $69,581 | 0.33% |
| 52 | Central Insurance Company | 20230 | OH | Admitted (licensed) | $67,644 | 0.32% |
| 53 | Steadfast Insurance Company | 26387 | IL | Surplus lines (eligible) | $67,179 | 0.32% |
| 54 | Swiss Re Corporate Solutions Capacity Insurance Corporation | 34916 | MO | Surplus lines (eligible) | $66,539 | 0.32% |
| 55 | Vigilant Insurance Company | 20397 | NY | Admitted (licensed) | $61,440 | 0.29% |
| 56 | Atlantic Specialty Insurance Company | 27154 | NY | Admitted (licensed) | $57,916 | 0.27% |
| 57 | Standard Fire Insurance Company (The) | 19070 | CT | Admitted (licensed) | $54,882 | 0.26% |
| 58 | Kinsale Insurance Company | 38920 | AR | Surplus lines (eligible) | $52,791 | 0.25% |
| 59 | |Indian Harbor Insurance Company | 36940 | DE | Surplus lines (eligible) | $52,705 | 0.25% |
| 60 | Insurance Company of the West | 27847 | CA | Admitted (licensed) | $51,305 | 0.24% |
| 61 | Continental Casualty Company | 20443 | IL | Admitted (licensed) | $51,180 | 0.24% |
| 62 | Westfield Specialty Insurance Company | 16992 | OH | Surplus lines (eligible) | $45,392 | 0.22% |
| 63 | Princeton Excess and Surplus Lines Insurance Company (The) | 10786 | DE | Surplus lines (eligible) | $45,006 | 0.21% |
| 64 | Illinois Union Insurance Company | 27960 | IL | Surplus lines (eligible) | $31,502 | 0.15% |
| 65 | Phoenix Insurance Company, (The) | 25623 | CT | Admitted (licensed) | $31,422 | 0.15% |
| 66 | Scottsdale Insurance Company | 41297 | OH | Surplus lines (eligible) | $30,466 | 0.14% |
| 67 | American National Property and Casualty Company | 28401 | NE | Admitted (licensed) | $29,720 | 0.14% |
| 68 | Hartford Insurance Company of the Midwest | 37478 | IN | Admitted (licensed) | $29,085 | 0.14% |
| 69 | Swiss Re Corporate Solutions America Insurance Corporation | 29874 | MO | Admitted (licensed) | $28,914 | 0.14% |
| 70 | Hanover American Insurance Company (The) | 36064 | NH | Admitted (licensed) | $28,647 | 0.14% |
| 71 | Farmers Property and Casualty Insurance Company | 26298 | RI | Admitted (licensed) | $25,950 | 0.12% |
| 72 | Automobile Insurance Company of Hartford, Connecticut (The) | 19062 | CT | Admitted (licensed) | $25,373 | 0.12% |
| 73 | STATE AUTO PROPERTY \u0026 CASUALTY INSURANCE COMPANY | 25127 | IA | Admitted (licensed) | $24,717 | 0.12% |
| 74 | Summit Specialty Insurance Company | 16889 | NE | Surplus lines (eligible) | $24,627 | 0.12% |
| 75 | RSUI Indemnity Company | 22314 | NH | Admitted (licensed) | $24,245 | 0.12% |
| 76 | Aspen Specialty Insurance Company | 10717 | ND | Surplus lines (eligible) | $22,599 | 0.11% |
| 77 | Federated Mutual Insurance Company | 13935 | MN | Admitted (licensed) | $22,219 | 0.11% |
| 78 | EMCASCO Insurance Company | 21407 | IA | Admitted (licensed) | $21,564 | 0.10% |
| 79 | Massachusetts Bay Insurance Company | 22306 | NH | Admitted (licensed) | $20,506 | 0.10% |
| 80 | Westfield Insurance Company | 24112 | OH | Admitted (licensed) | $19,353 | 0.09% |
| 81 | Sutton Specialty Insurance Company | 16848 | OK | Surplus lines (eligible) | $18,813 | 0.09% |
| 82 | American Select Insurance Company | 19992 | OH | Admitted (licensed) | $17,850 | 0.08% |
| 83 | James River Insurance Company | 12203 | OH | Surplus lines (eligible) | $17,417 | 0.08% |
| 84 | Cincinnati Indemnity Company (The) | 23280 | OH | Admitted (licensed) | $16,368 | 0.08% |
| 85 | Fidelity and Deposit Company of Maryland (The) | 39306 | IL | Admitted (licensed) | $15,891 | 0.08% |
| 86 | Great American Insurance Company of New York | 22136 | NY | Admitted (licensed) | $15,049 | 0.07% |
| 87 | Pennsylvania Lumbermen's Mutual Insurance Company | 14974 | PA | Admitted (licensed) | $14,769 | 0.07% |
| 88 | Hartford Underwriters Insurance Company | 30104 | CT | Admitted (licensed) | $14,670 | 0.07% |
| 89 | Lititz Mutual Insurance Company | 14400 | PA | Admitted (licensed) | $13,405 | 0.06% |
| 90 | The Members Ins Co | 12617 | NC | Admitted (licensed) | $12,732 | 0.06% |
| 91 | Hanover Insurance Company (The) | 22292 | NH | Admitted (licensed) | $12,677 | 0.06% |
| 92 | Westfield National Insurance Company | 24120 | OH | Admitted (licensed) | $12,624 | 0.06% |
| 93 | GuideOne National Insurance Company | 14167 | IA | Surplus lines (eligible) | $12,308 | 0.06% |
| 94 | Fireman's Fund Indemnity Corporation | 11380 | NJ | Surplus lines (eligible) | $12,148 | 0.06% |
| 95 | Citizens Insurance Company of America | 31534 | MI | Admitted (licensed) | $11,659 | 0.06% |
| 96 | EMC PROPERTY \u0026 CASUALTY COMPANY | 25186 | IA | Admitted (licensed) | $11,250 | 0.05% |
| 97 | Golden Bear Insurance Company | 39861 | CA | Surplus lines (eligible) | $11,132 | 0.05% |
| 98 | Allmerica Financial Benefit Insurance Company | 41840 | MI | Admitted (licensed) | $10,712 | 0.05% |
| 99 | West Bend Insurance Company | 15350 | WI | Admitted (licensed) | $10,297 | 0.05% |
| 100 | Arch Insurance (UK) Limited | 11150 | MO | Admitted (licensed) | $9,591 | 0.05% |
| 101 | Union Insurance Company of Providence | 21423 | IA | Admitted (licensed) | $8,901 | 0.04% |
| 102 | General Star Indemnity Company | 37362 | DE | Surplus lines (eligible) | $8,000 | 0.04% |
| 103 | Cincinnati Casualty Company (The) | 28665 | OH | Admitted (licensed) | $7,600 | 0.04% |
| 104 | Sentry Insurance Company | 24988 | WI | Admitted (licensed) | $7,582 | 0.04% |
| 105 | Economy Premier Assurance Company | 40649 | IL | Admitted (licensed) | $7,196 | 0.03% |
| 106 | Middlesex Insurance Company | 23434 | WI | Admitted (licensed) | $6,341 | 0.03% |
| 107 | HORACE MANN PROPERTY \u0026 CASUALTY INSURANCE COMPANY | 22756 | IL | Admitted (licensed) | $6,030 | 0.03% |
| 108 | OCCIDENTAL FIRE \u0026 CASUALTY COMPANY OF NORTH CAROLINA | 23248 | NC | Admitted (licensed) | $5,867 | 0.03% |
| 109 | Republic-Franklin Insurance Company | 12475 | OH | Admitted (licensed) | $5,521 | 0.03% |
| 110 | Stillwater Property and Casualty Insurance Company | 16578 | NY | Admitted (licensed) | $5,432 | 0.03% |
| 111 | Travelers Personal Security Insurance Company | 36145 | CT | Admitted (licensed) | $5,370 | 0.03% |
| 112 | TransGuard Insurance Company of America, Inc. | 28886 | IL | Admitted (licensed) | $5,360 | 0.03% |
| 113 | Nationwide Agribusiness Insurance Company | 28223 | IA | Admitted (licensed) | $4,404 | 0.02% |
| 114 | Motorists Commercial Mutual Insurance Company | 13331 | OH | Admitted (licensed) | $4,379 | 0.02% |
| 115 | Teachers Insurance Company | 22683 | IL | Admitted (licensed) | $3,785 | 0.02% |
| 116 | Federated Service Insurance Company | 28304 | MN | Admitted (licensed) | $3,618 | 0.02% |
| 117 | State Automobile Mutual Insurance Company | 25135 | OH | Admitted (licensed) | $3,523 | 0.02% |
| 118 | Ohio Security Insurance Company | 24082 | NH | Admitted (licensed) | $3,378 | 0.02% |
| 119 | Granite State Insurance Company | 23809 | IL | Admitted (licensed) | $3,354 | 0.02% |
| 120 | Southern Insurance Company of Virginia | 26867 | VA | Admitted (licensed) | $3,338 | 0.02% |
| 121 | Republic - Vanguard Insurance Company | 40479 | AZ | Surplus lines (eligible) | $3,325 | 0.02% |
| 122 | Transportation Insurance Company | 20494 | IL | Admitted (licensed) | $2,987 | 0.01% |
| 123 | Westfield Superior Insurance Company | 16449 | OH | Admitted (licensed) | $2,804 | 0.01% |
| 124 | Hartford Casualty Insurance Company | 29424 | IN | Admitted (licensed) | $2,733 | 0.01% |
| 125 | Nationwide Insurance Company of Florida | 10948 | OH | Admitted (licensed) | $2,579 | 0.01% |
| 126 | SOMPO AMERICA FIRE \u0026 MARINE INSURANCE COMPANY | 38997 | NY | Admitted (licensed) | $2,467 | 0.01% |
| 127 | NATIONAL LIABILITY \u0026 FIRE INSURANCE COMPANY | 20052 | CT | Admitted (licensed) | $2,418 | 0.01% |
| 128 | Affiliated F M Insurance Company | 10014 | RI | Admitted (licensed) | $2,416 | 0.01% |
| 129 | Hartford Accident and Indemnity Company | 22357 | CT | Admitted (licensed) | $2,323 | 0.01% |
| 130 | American Guarantee and Liability Insurance Company | 26247 | NY | Admitted (licensed) | $2,117 | 0.01% |
| 131 | Old Guard Insurance Company | 17558 | OH | Admitted (licensed) | $1,974 | 0.01% |
| 132 | Continental Insurance Company, (The) | 35289 | PA | Admitted (licensed) | $1,950 | 0.01% |
| 133 | Horace Mann Insurance Company | 22578 | IL | Admitted (licensed) | $1,919 | 0.01% |
| 134 | Charter Oak Fire Insurance Company, (The) | 25615 | CT | Admitted (licensed) | $1,871 | 0.01% |
| 135 | Phenix Mutual Fire Insurance Company | 23175 | OH | Admitted (licensed) | $1,546 | 0.01% |
| 136 | Vantage Risk Specialty Insurance Company | 16275 | DE | Surplus lines (eligible) | $1,508 | 0.01% |
| 137 | Westfield Champion Insurance Company | 16447 | OH | Admitted (licensed) | $1,325 | 0.01% |
| 138 | AmGUARD Insurance Company | 42390 | NE | Admitted (licensed) | $1,285 | 0.01% |
| 139 | Westfield Premier Insurance Company | 16450 | OH | Admitted (licensed) | $1,257 | 0.01% |
| 140 | New Hampshire Insurance Company | 23841 | IL | Admitted (licensed) | $1,243 | 0.01% |
| 141 | Sentry Select Insurance Company | 21180 | WI | Admitted (licensed) | $1,209 | 0.01% |
| 142 | American Zurich Insurance Company | 40142 | IL | Admitted (licensed) | $1,125 | 0.01% |
| 143 | Berkley National Insurance Company | 38911 | IA | Admitted (licensed) | $1,108 | 0.01% |
| 144 | Ace Property and Casualty Insurance Company | 20699 | PA | Admitted (licensed) | $1,061 | 0.01% |
| 145 | Harco National Insurance Company | 26433 | IL | Admitted (licensed) | $1,045 | 0.00% |
| 146 | L M Insurance Corporation | 33600 | IL | Admitted (licensed) | $1,028 | 0.00% |
| 147 | Nationwide Affinity Insurance Company of America | 26093 | OH | Admitted (licensed) | $1,012 | 0.00% |
| 148 | Travelers Indemnity Company of America (The) | 25666 | CT | Admitted (licensed) | $985 | 0.00% |
| 149 | Great American Alliance Insurance Company | 26832 | OH | Admitted (licensed) | $964 | 0.00% |
| 150 | Travelers Casualty and Surety Company | 19038 | CT | Admitted (licensed) | $877 | 0.00% |
| 151 | AMCO Insurance Company | 19100 | IA | Admitted (licensed) | $726 | 0.00% |
| 152 | Nationwide Mutual Insurance Company | 10723 | OH | Admitted (licensed) | $704 | 0.00% |
| 153 | Farmers Direct Property and Casualty Insurance Company | 25321 | RI | Admitted (licensed) | $561 | 0.00% |
| 154 | Great American Assurance Company | 26344 | OH | Admitted (licensed) | $528 | 0.00% |
| 155 | Motorists Mutual Insurance Company | 14621 | OH | Admitted (licensed) | $525 | 0.00% |
| 156 | Liberty Mutual Insurance Company | 42404 | IL | Admitted (licensed) | $524 | 0.00% |
| 157 | Universal Insurance Company | 32972 | NC | Admitted (licensed) | $488 | 0.00% |
| 158 | Homeland Insurance Company of New York | 34452 | NY | Surplus lines (eligible) | $480 | 0.00% |
| 159 | Velocity Specialty Insurance Company | 39640 | DE | Surplus lines (eligible) | $421 | 0.00% |
| 160 | QBE Insurance (Europe) Limited | 39217 | PA | Admitted (licensed) | $418 | 0.00% |
| 161 | First Liberty Insurance Corporation (The) | 33588 | IL | Admitted (licensed) | $374 | 0.00% |
| 162 | Federated Reserve Insurance Company | 16024 | MN | Admitted (licensed) | $339 | 0.00% |
| 163 | Sompo America Insurance Company | 11126 | NY | Admitted (licensed) | $331 | 0.00% |
| 164 | American Casualty Company of Reading, Pennsylvania | 20427 | PA | Admitted (licensed) | $236 | 0.00% |
| 165 | Ohio Farmers Insurance Company | 24104 | OH | Admitted (licensed) | $185 | 0.00% |
| 166 | AXIS Insurance Company | 37273 | IL | Admitted (licensed) | $173 | 0.00% |
| 167 | Westfield Touchstone Insurance Company | 16448 | OH | Admitted (licensed) | $138 | 0.00% |
| 168 | Berkley Regional Insurance Company | 29580 | IA | Admitted (licensed) | $112 | 0.00% |
| 169 | St. Paul Fire and Marine Insurance Company | 24767 | CT | Admitted (licensed) | $100 | 0.00% |
| 170 | Utica Mutual Insurance Company | 25976 | NY | Admitted (licensed) | $76 | 0.00% |
| 171 | Pacific Employers Insurance Company | 22748 | PA | Admitted (licensed) | $50 | 0.00% |
| 172 | St. Paul Mercury Insurance Company | 24791 | CT | Admitted (licensed) | $50 | 0.00% |
| 173 | StarNet Insurance Company | 40045 | IA | Admitted (licensed) | $49 | 0.00% |
| 174 | National Fire Insurance Company of Hartford | 20478 | IL | Admitted (licensed) | $44 | 0.00% |
| 175 | American Fire and Casualty Company | 24066 | NH | Admitted (licensed) | $43 | 0.00% |
| 176 | Tri-State Insurance Company of Minnesota | 31003 | IA | Admitted (licensed) | $26 | 0.00% |
| 177 | Pharmacists Mutual Insurance Company | 13714 | IA | Admitted (licensed) | $21 | 0.00% |
| 178 | Valley Forge Insurance Company | 20508 | PA | Admitted (licensed) | $17 | 0.00% |
| 179 | Acadia Insurance Company | 31325 | IA | Admitted (licensed) | $16 | 0.00% |
| 180 | Allied Property and Casualty Insurance Company | 42579 | IA | Admitted (licensed) | $2 | 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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