
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
The companies
| # | Company | NAIC | Home state | Status here | Premium | Share |
|---|---|---|---|---|---|---|
| 1 | NAU Country Insurance Company | 25240 | MN | Admitted (licensed) | $89.9M | 19.89% |
| 2 | Rural Community Insurance Company | 39039 | MN | Admitted (licensed) | $85.9M | 19.00% |
| 3 | Ace Property and Casualty Insurance Company | 20699 | PA | Admitted (licensed) | $77.2M | 17.09% |
| 4 | Producers Agriculture Insurance Company | 34312 | TX | Admitted (licensed) | $51.4M | 11.38% |
| 5 | North Carolina Farm Bur Mut Ins Co | 14842 | NC | Admitted (licensed) | $39.6M | 8.76% |
| 6 | American Agri-Business Insurance Company | 12548 | TX | Admitted (licensed) | $22.8M | 5.05% |
| 7 | Great American Insurance Company | 16691 | OH | Admitted (licensed) | $19.9M | 4.40% |
| 8 | Everett Cash Mutual Insurance Company | 17043 | PA | Admitted (licensed) | $11.9M | 2.64% |
| 9 | American Agricultural Insurance Company DBA: AmericanAg | 10103 | IN | Admitted (licensed) | $9.5M | 2.10% |
| 10 | Westfield Insurance Company | 24112 | OH | Admitted (licensed) | $8.0M | 1.77% |
| 11 | Farmers Mutual Hail Insurance Company of Iowa | 13897 | IA | Admitted (licensed) | $6.3M | 1.39% |
| 12 | Nationwide Agribusiness Insurance Company | 28223 | IA | Admitted (licensed) | $4.8M | 1.07% |
| 13 | North Carolina Grange Mut Ins Co | 16683 | NC | Admitted (licensed) | $3.2M | 0.70% |
| 14 | Halifax Mut Ins Co | 44377 | NC | Admitted (licensed) | $2.6M | 0.57% |
| 15 | State Automobile Mutual Insurance Company | 25135 | OH | Admitted (licensed) | $1.6M | 0.36% |
| 16 | Westfield National Insurance Company | 24120 | OH | Admitted (licensed) | $1.5M | 0.34% |
| 17 | American Select Insurance Company | 19992 | OH | Admitted (licensed) | $1.5M | 0.33% |
| 18 | Carolina Farmers Mut Ins Co | 10720 | NC | Admitted (licensed) | $1.2M | 0.27% |
| 19 | Glencar Insurance Company | 12254 | WI | Admitted (licensed) | $1.1M | 0.24% |
| 20 | Indemnity Insurance Company of North America | 43575 | PA | Admitted (licensed) | $1.0M | 0.22% |
| 21 | Lititz Mutual Insurance Company | 14400 | PA | Admitted (licensed) | $972,239 | 0.22% |
| 22 | U.S. Specialty Insurance Company | 29599 | TX | Admitted (licensed) | $889,555 | 0.20% |
| 23 | Ohio Security Insurance Company | 24082 | NH | Admitted (licensed) | $842,673 | 0.19% |
| 24 | Northwest Farmers Mut Ins Co | 14021 | NC | Admitted (licensed) | $819,756 | 0.18% |
| 25 | Phoenix Insurance Company, (The) | 25623 | CT | Admitted (licensed) | $741,376 | 0.16% |
| 26 | First Mutual Insurance Company | 43877 | NC | Admitted (licensed) | $624,444 | 0.14% |
| 27 | Markel Insurance Company | 38970 | IL | Admitted (licensed) | $608,318 | 0.13% |
| 28 | Travelers Indemnity Company of America (The) | 25666 | CT | Admitted (licensed) | $593,543 | 0.13% |
| 29 | Philadelphia Indemnity Insurance Company | 18058 | PA | Admitted (licensed) | $561,621 | 0.12% |
| 30 | Alamance Farmers Mut Ins Co | 13190 | NC | Admitted (licensed) | $560,147 | 0.12% |
| 31 | Agri General Insurance Company | 42757 | IA | Admitted (licensed) | $488,849 | 0.11% |
| 32 | American Fire and Casualty Company | 24066 | NH | Admitted (licensed) | $444,190 | 0.10% |
| 33 | Travelers Property Casualty Company of America | 25674 | CT | Admitted (licensed) | $370,944 | 0.08% |
| 34 | Century Mut Ins Co | 13725 | NC | Admitted (licensed) | $366,886 | 0.08% |
| 35 | Travelers Indemnity Company (The) | 25658 | CT | Admitted (licensed) | $348,217 | 0.08% |
| 36 | Accelerant Specialty Insurance Company | 16890 | AR | Surplus lines (eligible) | $309,785 | 0.07% |
| 37 | Midvale Indemnity Company | 27138 | WI | Admitted (licensed) | $308,284 | 0.07% |
| 38 | Travelers Indemnity Company of Connecticut (The) | 25682 | CT | Admitted (licensed) | $272,840 | 0.06% |
| 39 | Charter Oak Fire Insurance Company, (The) | 25615 | CT | Admitted (licensed) | $205,503 | 0.05% |
| 40 | Great American Assurance Company | 26344 | OH | Admitted (licensed) | $175,038 | 0.04% |
| 41 | Great American Alliance Insurance Company | 26832 | OH | Admitted (licensed) | $148,876 | 0.03% |
| 42 | West American Insurance Company | 44393 | IN | Admitted (licensed) | $89,729 | 0.02% |
| 43 | Hudson Insurance Company | 25054 | DE | Admitted (licensed) | $69,405 | 0.02% |
| 44 | Argonaut Insurance Company | 19801 | NE | Admitted (licensed) | $53,433 | 0.01% |
| 45 | Piedmont Mut Ins Co | 17335 | NC | Admitted (licensed) | $42,647 | 0.01% |
| 46 | Ohio Casualty Insurance Company (The) | 24074 | NH | Admitted (licensed) | $33,061 | 0.01% |
| 47 | Great American Insurance Company of New York | 22136 | NY | Admitted (licensed) | $10,460 | 0.00% |
| 48 | StarNet Insurance Company | 40045 | IA | Admitted (licensed) | $8,718 | 0.00% |
| 49 | United National Insurance Company | 13064 | PA | Surplus lines (eligible) | $3,624 | 0.00% |
| 50 | Scottsdale Insurance Company | 41297 | OH | Surplus lines (eligible) | $804 | 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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