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Directory · North Carolina · Farm and crop

Who writes farm and crop in North Carolina

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

50 companies wrote farm and crop in North Carolina in 2025, $451.8M in direct premium. NAU Country Insurance Company led with 19.9%; the top five hold 76%.

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

Top 10 · NAIC table: 02.2 - Multiple Peril Crop

The insurer groups that write the most farm and crop 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.

Farm and crop · North Carolina

The companies

#CompanyNAICHome stateStatus herePremiumShare
1NAU Country Insurance Company25240MNAdmitted (licensed)$89.9M19.89%
2Rural Community Insurance Company39039MNAdmitted (licensed)$85.9M19.00%
3Ace Property and Casualty Insurance Company20699PAAdmitted (licensed)$77.2M17.09%
4Producers Agriculture Insurance Company34312TXAdmitted (licensed)$51.4M11.38%
5North Carolina Farm Bur Mut Ins Co14842NCAdmitted (licensed)$39.6M8.76%
6American Agri-Business Insurance Company12548TXAdmitted (licensed)$22.8M5.05%
7Great American Insurance Company16691OHAdmitted (licensed)$19.9M4.40%
8Everett Cash Mutual Insurance Company17043PAAdmitted (licensed)$11.9M2.64%
9American Agricultural Insurance Company DBA: AmericanAg10103INAdmitted (licensed)$9.5M2.10%
10Westfield Insurance Company24112OHAdmitted (licensed)$8.0M1.77%
11Farmers Mutual Hail Insurance Company of Iowa13897IAAdmitted (licensed)$6.3M1.39%
12Nationwide Agribusiness Insurance Company28223IAAdmitted (licensed)$4.8M1.07%
13North Carolina Grange Mut Ins Co16683NCAdmitted (licensed)$3.2M0.70%
14Halifax Mut Ins Co44377NCAdmitted (licensed)$2.6M0.57%
15State Automobile Mutual Insurance Company25135OHAdmitted (licensed)$1.6M0.36%
16Westfield National Insurance Company24120OHAdmitted (licensed)$1.5M0.34%
17American Select Insurance Company19992OHAdmitted (licensed)$1.5M0.33%
18Carolina Farmers Mut Ins Co10720NCAdmitted (licensed)$1.2M0.27%
19Glencar Insurance Company12254WIAdmitted (licensed)$1.1M0.24%
20Indemnity Insurance Company of North America43575PAAdmitted (licensed)$1.0M0.22%
21Lititz Mutual Insurance Company14400PAAdmitted (licensed)$972,2390.22%
22U.S. Specialty Insurance Company29599TXAdmitted (licensed)$889,5550.20%
23Ohio Security Insurance Company24082NHAdmitted (licensed)$842,6730.19%
24Northwest Farmers Mut Ins Co14021NCAdmitted (licensed)$819,7560.18%
25Phoenix Insurance Company, (The)25623CTAdmitted (licensed)$741,3760.16%
26First Mutual Insurance Company43877NCAdmitted (licensed)$624,4440.14%
27Markel Insurance Company38970ILAdmitted (licensed)$608,3180.13%
28Travelers Indemnity Company of America (The)25666CTAdmitted (licensed)$593,5430.13%
29Philadelphia Indemnity Insurance Company18058PAAdmitted (licensed)$561,6210.12%
30Alamance Farmers Mut Ins Co13190NCAdmitted (licensed)$560,1470.12%
31Agri General Insurance Company42757IAAdmitted (licensed)$488,8490.11%
32American Fire and Casualty Company24066NHAdmitted (licensed)$444,1900.10%
33Travelers Property Casualty Company of America25674CTAdmitted (licensed)$370,9440.08%
34Century Mut Ins Co13725NCAdmitted (licensed)$366,8860.08%
35Travelers Indemnity Company (The)25658CTAdmitted (licensed)$348,2170.08%
36Accelerant Specialty Insurance Company16890ARSurplus lines (eligible)$309,7850.07%
37Midvale Indemnity Company27138WIAdmitted (licensed)$308,2840.07%
38Travelers Indemnity Company of Connecticut (The)25682CTAdmitted (licensed)$272,8400.06%
39Charter Oak Fire Insurance Company, (The)25615CTAdmitted (licensed)$205,5030.05%
40Great American Assurance Company26344OHAdmitted (licensed)$175,0380.04%
41Great American Alliance Insurance Company26832OHAdmitted (licensed)$148,8760.03%
42West American Insurance Company44393INAdmitted (licensed)$89,7290.02%
43Hudson Insurance Company25054DEAdmitted (licensed)$69,4050.02%
44Argonaut Insurance Company19801NEAdmitted (licensed)$53,4330.01%
45Piedmont Mut Ins Co17335NCAdmitted (licensed)$42,6470.01%
46Ohio Casualty Insurance Company (The)24074NHAdmitted (licensed)$33,0610.01%
47Great American Insurance Company of New York22136NYAdmitted (licensed)$10,4600.00%
48StarNet Insurance Company40045IAAdmitted (licensed)$8,7180.00%
49United National Insurance Company13064PASurplus lines (eligible)$3,6240.00%
50Scottsdale Insurance Company41297OHSurplus lines (eligible)$8040.00%
Turned down?

Last resort for farm and crop 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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