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Directory · North Carolina · Inland marine

Who writes inland marine in North Carolina

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

420 companies wrote inland marine in North Carolina in 2025, $1.07B in direct premium. Liberty Insurance Underwriters, Inc. led with 13.4%; the top five hold 32%. 435 companies are licensed for the line.

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

Top 10 · NAIC table: 09.1 - Inland Marine

The insurer groups that write the most inland marine 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
1Liberty Mutual Group$154.1M14.38%63%Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
2Allianz Insurance Group$84.1M7.84%27%Allianz Global Risks US Insurance Company, Jefferson Insurance Company, Fireman's Fund Insurance Company, AGCS Marine Insurance Company
3Cna Insurance Group$64.3M6.00%56%Continental Casualty Company, Continental Insurance Company, (The), American Casualty Company of Reading, Pennsylvania, National Fire Insurance Company of Hartford
4Zurich Insurance Group$43.0M4.01%14%Zurich American Insurance Company, Rural Community Insurance Company, American Zurich Insurance Company, American Guarantee and Liability Insurance Company
5Markel Group$38.0M3.54%39%State National Insurance Company, Inc., Markel Insurance Company, Markel American Insurance Company, Essentia Insurance Company
6Generali Group$35.9M3.35%30%Generali (United States Branch)
7United Serv Automobile Assn Group$34.7M3.24%24%United Services Automobile Association, USAA Reciprocal, Attorney-in-fact, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company
8North Carolina Farm Bureau Group$34.6M3.23%50%North Carolina Farm Bur Mut Ins Co, Farm Bureau Ins Of Nc Inc
9Chubb Ltd Group$34.0M3.17%14%Federal Insurance Company, Ace American Insurance Company, Ace Property and Casualty Insurance Company, Chubb Lloyd's Insurance Company of Texas
10American International Group$30.6M2.86%34%National Union Fire Insurance Company of Pittsburgh, Pennsylvania, AIG Property Casualty Company, Lexington Insurance Company, AIU Insurance Company
Inland marine · North Carolina

The companies

#CompanyNAICHome stateStatus herePremiumShare
1Liberty Insurance Underwriters, Inc.19917ILAdmitted (licensed)$143.3M13.37%
2Jefferson Insurance Company11630NYAdmitted (licensed)$68.4M6.38%
3Continental Casualty Company20443ILAdmitted (licensed)$63.5M5.92%
4Generali (United States Branch)11231NYAdmitted (licensed)$35.9M3.35%
5North Carolina Farm Bur Mut Ins Co14842NCAdmitted (licensed)$34.6M3.23%
6Essentia Insurance Company37915MOAdmitted (licensed)$26.3M2.46%
7State Farm Fire and Casualty Company25143ILAdmitted (licensed)$24.8M2.32%
8Factory Mutual Insurance Company21482RIAdmitted (licensed)$22.3M2.08%
9Progressive Southeastern Insurance Company38784INAdmitted (licensed)$22.0M2.05%
10Arch Insurance (UK) Limited11150MOAdmitted (licensed)$21.4M2.00%
11Travelers Property Casualty Company of America25674CTAdmitted (licensed)$20.0M1.86%
12Zurich American Insurance Company16535NYAdmitted (licensed)$19.7M1.84%
13National Union Fire Insurance Company of Pittsburgh, Pennsylvania19445PAAdmitted (licensed)$18.1M1.69%
14Cincinnati Insurance Company (The)10677OHAdmitted (licensed)$16.7M1.55%
15United States Fire Insurance Company21113DEAdmitted (licensed)$16.4M1.53%
16American Zurich Insurance Company40142ILAdmitted (licensed)$15.6M1.46%
17Hanover Insurance Company (The)22292NHAdmitted (licensed)$15.6M1.45%
18Ace American Insurance Company22667PAAdmitted (licensed)$15.1M1.41%
19American Bankers Insurance Company of Florida10111FLAdmitted (licensed)$13.5M1.26%
20STARR INDEMNITY \u0026 LIABILITY COMPANY38318TXAdmitted (licensed)$13.3M1.24%
21Builders Mutual Insurance Company10844NCAdmitted (licensed)$11.2M1.04%
22USAA Casualty Insurance Company25968TXAdmitted (licensed)$10.8M1.01%
23American National Property and Casualty Company28401NEAdmitted (licensed)$10.5M0.98%
24United Services Automobile Association, USAA Reciprocal, Attorney-in-fact25941TXAdmitted (licensed)$10.2M0.95%
25Nationwide Mutual Insurance Company23787OHAdmitted (licensed)$9.5M0.88%
26OCCIDENTAL FIRE \u0026 CASUALTY COMPANY OF NORTH CAROLINA23248NCAdmitted (licensed)$9.1M0.85%
27New Hampshire Insurance Company23841ILAdmitted (licensed)$8.7M0.82%
28Jewelers Mutual Insurance Company, SI14354WIAdmitted (licensed)$8.7M0.82%
29Owners Insurance Company32700OHAdmitted (licensed)$7.7M0.72%
30USAA General Indemnity Company18600TXAdmitted (licensed)$7.2M0.67%
31GEICO Marine Insurance Company37923NEAdmitted (licensed)$7.2M0.67%
32Allianz Global Risks US Insurance Company35300ILAdmitted (licensed)$7.1M0.67%
33Progressive Premier Insurance Company of Illinois21735OHAdmitted (licensed)$7.1M0.67%
34|Indian Harbor Insurance Company36940DESurplus lines (eligible)$7.0M0.66%
35Pennsylvania Manufacturers' Association Insurance Company12262PAAdmitted (licensed)$6.9M0.64%
36Ohio Casualty Insurance Company (The)24074NHAdmitted (licensed)$6.6M0.62%
37Auto-Owners Insurance Company18988MIAdmitted (licensed)$6.5M0.60%
38Garrison Property and Casualty Insurance Company21253TXAdmitted (licensed)$6.4M0.60%
39First Mutual Insurance Company43877NCAdmitted (licensed)$6.2M0.57%
40Great American Insurance Company16691OHAdmitted (licensed)$6.0M0.56%
41Westchester Surplus Lines Insurance Company10172GASurplus lines (eligible)$6.0M0.56%
42Insurance Company of the South11162GAAdmitted (licensed)$5.8M0.54%
43Markel American Insurance Company28932VAAdmitted (licensed)$5.8M0.54%
44Securian Casualty Company10054MNAdmitted (licensed)$5.7M0.53%
45Palomar Specialty Insurance Company20338ORAdmitted (licensed)$5.5M0.51%
46Berkley National Insurance Company38911IAAdmitted (licensed)$5.2M0.49%
47Affiliated F M Insurance Company10014RIAdmitted (licensed)$5.1M0.48%
48AGCS Marine Insurance Company22837ILAdmitted (licensed)$5.1M0.48%
49Hartford Fire Insurance Company19682CTAdmitted (licensed)$5.1M0.47%
50Lyndon Southern Insurance Company10051DEAdmitted (licensed)$4.9M0.46%
51BCS Insurance Company38245OHAdmitted (licensed)$4.8M0.45%
52Privilege Underwriters Reciprocal Exchange, PURE Risk Mgt, Atty-in-Fact12873FLAdmitted (licensed)$4.8M0.44%
53Bankers Standard Insurance Company18279PAAdmitted (licensed)$4.7M0.44%
54Selective Insurance Company of the Southeast39926INAdmitted (licensed)$4.7M0.43%
55Harco National Insurance Company26433ILAdmitted (licensed)$4.7M0.43%
56Federal Insurance Company20281INAdmitted (licensed)$4.5M0.42%
57Sentry Select Insurance Company21180WIAdmitted (licensed)$4.4M0.41%
58Great American Assurance Company26344OHAdmitted (licensed)$4.3M0.40%
59Frankenmuth Insurance Company13986MIAdmitted (licensed)$4.3M0.40%
60StarNet Insurance Company40045IAAdmitted (licensed)$4.1M0.39%
61Selective Insurance Company of America12572NJAdmitted (licensed)$4.1M0.38%
62Old Republic Union Insurance Company31143ILSurplus lines (eligible)$4.1M0.38%
63Amherst Specialty Insurance Company17565TXSurplus lines (eligible)$3.8M0.36%
64American Security Insurance Company42978DEAdmitted (licensed)$3.7M0.34%
65American Guarantee and Liability Insurance Company26247NYAdmitted (licensed)$3.6M0.33%
66Allstate Indemnity Company19240ILAdmitted (licensed)$3.6M0.33%
67Federated Mutual Insurance Company13935MNAdmitted (licensed)$3.3M0.31%
68Harleysville Insurance Company of New York10674OHSurplus lines (eligible)$3.3M0.31%
69Homeland Insurance Company of New York34452NYSurplus lines (eligible)$3.1M0.29%
70Central Insurance Company20230OHAdmitted (licensed)$3.0M0.28%
71Palomar Excess and Surplus Insurance Company16754AZSurplus lines (eligible)$3.0M0.28%
72West Bend Insurance Company15350WIAdmitted (licensed)$3.0M0.28%
73RepWest Insurance Company31089AZAdmitted (licensed)$2.9M0.27%
74Fireman's Fund Indemnity Corporation11380NJSurplus lines (eligible)$2.8M0.26%
75Caterpillar Insurance Company11255MOAdmitted (licensed)$2.8M0.26%
76Erie Insurance Exchange26271PAAdmitted (licensed)$2.7M0.25%
77SiriusPoint America Insurance Company38776NYAdmitted (licensed)$2.6M0.24%
78Technology Insurance Company, Inc.42376DEAdmitted (licensed)$2.6M0.24%
79XL Insurance America, Inc.24554DEAdmitted (licensed)$2.5M0.24%
80Pennsylvania National Mutual Casualty Insurance Company14990PAAdmitted (licensed)$2.5M0.24%
81AMEX Assurance Company27928ILAdmitted (licensed)$2.4M0.22%
82Atlantic Specialty Insurance Company27154NYAdmitted (licensed)$2.4M0.22%
83Selective Insurance Company of South Carolina19259INAdmitted (licensed)$2.3M0.21%
84Universal Underwriters Insurance Company41181ILAdmitted (licensed)$2.2M0.21%
85Lexington Insurance Company19437DESurplus lines (eligible)$2.2M0.20%
86Evanston Insurance Company35378ILSurplus lines (eligible)$2.1M0.19%
87TransGuard Insurance Company of America, Inc.28886ILAdmitted (licensed)$2.0M0.19%
88XL Specialty Insurance Company37885DEAdmitted (licensed)$2.0M0.19%
89Markel Insurance Company38970ILAdmitted (licensed)$2.0M0.19%
90Phoenix Insurance Company, (The)25623CTAdmitted (licensed)$1.9M0.18%
91Accelerant National Insurance Company10220ARAdmitted (licensed)$1.9M0.18%
92Great West Casualty Company11371NEAdmitted (licensed)$1.9M0.18%
93Houston Specialty Insurance Company12936TXSurplus lines (eligible)$1.8M0.17%
94Liberty Mutual Fire Insurance Company23035WIAdmitted (licensed)$1.7M0.16%
95Illinois Union Insurance Company27960ILSurplus lines (eligible)$1.7M0.16%
96AXIS Insurance Company37273ILAdmitted (licensed)$1.7M0.16%
97Ascot Insurance Company23752COAdmitted (licensed)$1.6M0.15%
98American Modern Property and Casualty Insurance Company42722OHAdmitted (licensed)$1.6M0.15%
99State National Insurance Company, Inc.12831TXAdmitted (licensed)$1.6M0.15%
100Nationwide General Insurance Company23760OHAdmitted (licensed)$1.6M0.15%
101Aspen American Insurance Company43460TXAdmitted (licensed)$1.5M0.14%
102Bankers Insurance Company33162FLAdmitted (licensed)$1.4M0.14%
103Berkshire Hathaway Specialty Insurance Company22276NEAdmitted (licensed)$1.4M0.13%
104EMPLOYERS MUTUAL CASUALTY COMPANY Employers Mutual Casualty Company)21415IAAdmitted (licensed)$1.4M0.13%
105Penn National Security Insurance Company32441PAAdmitted (licensed)$1.4M0.13%
106Canal Insurance Company10464SCAdmitted (licensed)$1.3M0.12%
107Scottsdale Insurance Company41297OHSurplus lines (eligible)$1.3M0.12%
108Northland Insurance Company24015CTAdmitted (licensed)$1.3M0.12%
109United States Liability Insurance Company25895NEAdmitted (licensed)$1.3M0.12%
110American Property Insurance Company21806NJAdmitted (licensed)$1.2M0.11%
111Aspen Specialty Insurance Company10717NDSurplus lines (eligible)$1.2M0.11%
112Amica Mutual Insurance Company, The19976RIAdmitted (licensed)$1.2M0.11%
113StarStone National Insurance Company25496DEAdmitted (licensed)$1.1M0.11%
114Swiss Re Corporate Solutions Capacity Insurance Corporation34916MOSurplus lines (eligible)$1.1M0.10%
115Starr Surplus Lines Insurance Company13604TXSurplus lines (eligible)$1.1M0.10%
116Safeco Insurance Company of America24740NHAdmitted (licensed)$1.0M0.10%
117Plateau Casualty Insurance Company10817TNAdmitted (licensed)$1.0M0.09%
118General Security National Insurance Company39322NYAdmitted (licensed)$1.0M0.09%
119Allstate Vehicle and Property Insurance Company37907ILAdmitted (licensed)$1.0M0.09%
120Ohio Indemnity Company26565OHAdmitted (licensed)$997,0450.09%
121RLI Insurance Company13056ILAdmitted (licensed)$992,2400.09%
122Argonaut Insurance Company19801NEAdmitted (licensed)$972,2560.09%
123Steadfast Insurance Company26387ILSurplus lines (eligible)$971,2360.09%
124NATIONAL FIRE \u0026 MARINE INSURANCE COMPANY\20079NESurplus lines (eligible)$957,1530.09%
125Tokio Marine America Insurance Company10945NYAdmitted (licensed)$944,6330.09%
126Accredited Surety and Casualty Company, Inc.26379FLAdmitted (licensed)$934,3240.09%
127Princeton Excess and Surplus Lines Insurance Company (The)10786DESurplus lines (eligible)$903,8110.08%
128Empire Fire and Marine Insurance Company21326ILAdmitted (licensed)$894,3270.08%
129AIG Property Casualty Company19402ILAdmitted (licensed)$892,9650.08%
130Progressive Universal Insurance Company21727WIAdmitted (licensed)$874,0080.08%
131Great American Spirit Insurance Company33723OHAdmitted (licensed)$832,4510.08%
132Foremost Insurance Company Grand Rapids, Michigan11185MIAdmitted (licensed)$778,0120.07%
133Federated Reserve Insurance Company16024MNAdmitted (licensed)$776,7230.07%
134Allstate Insurance Company19232ILAdmitted (licensed)$773,8230.07%
135Spinnaker Insurance Company24376ILAdmitted (licensed)$767,2350.07%
136Palms Specialty Insurance Company, Inc.17327DESurplus lines (eligible)$744,0130.07%
137Obsidian Specialty Insurance Company16871DESurplus lines (eligible)$734,9640.07%
138Granite State Insurance Company23809ILAdmitted (licensed)$727,4050.07%
139Westfield Insurance Company24112OHAdmitted (licensed)$726,5980.07%
140Everest Indemnity Insurance Company10851DESurplus lines (eligible)$722,7460.07%
141Vigilant Insurance Company20397NYAdmitted (licensed)$714,9480.07%
142Columbia Casualty Company31127ILSurplus lines (eligible)$701,1380.07%
143Mt. Hawley Insurance Company37974ILSurplus lines (eligible)$698,8630.07%
144HDI Specialty Insurance Company16131ILSurplus lines (eligible)$695,0030.06%
145Mitsui Sumitomo Insurance Company of America20362NYAdmitted (licensed)$657,4470.06%
146Pennsylvania Lumbermen's Mutual Insurance Company14974PAAdmitted (licensed)$654,7170.06%
147HDI Global Insurance Company41343ILAdmitted (licensed)$652,1380.06%
148Charter Oak Fire Insurance Company, (The)25615CTAdmitted (licensed)$651,0500.06%
149Swiss Re Corporate Solutions America Insurance Corporation29874MOAdmitted (licensed)$650,1710.06%
150Ace Property and Casualty Insurance Company20699PAAdmitted (licensed)$640,2090.06%
151AXIS Surplus Insurance Company26620ILSurplus lines (eligible)$638,2610.06%
152National Indemnity Company20087NEAdmitted (licensed)$632,5740.06%
153Nationwide Property and Casualty Insurance Company37877OHAdmitted (licensed)$623,2740.06%
154Glencar Insurance Company12254WIAdmitted (licensed)$620,3850.06%
155CUMIS Specialty Insurance Company, Inc.12758IASurplus lines (eligible)$618,1510.06%
156Seneca Insurance Company Incorporated10936NYAdmitted (licensed)$600,9910.06%
157Berkshire Hathaway Homestate Insurance Company20044NEAdmitted (licensed)$580,1310.05%
158|Texas Insurance Company16543TXSurplus lines (eligible)$578,3670.05%
159Cincinnati Casualty Company (The)28665OHAdmitted (licensed)$571,9000.05%
160Midvale Indemnity Company27138WIAdmitted (licensed)$567,3020.05%
161Nova Casualty Company42552NYAdmitted (licensed)$565,3950.05%
162Hiscox Insurance Company (Bermuda), Ltd.10200ILAdmitted (licensed)$564,7770.05%
163Middlesex Insurance Company23434WIAdmitted (licensed)$563,2720.05%
164Old Republic Insurance Company24147PAAdmitted (licensed)$561,9840.05%
165U.S. Specialty Insurance Company29599TXAdmitted (licensed)$558,4020.05%
166Farmers Property and Casualty Insurance Company26298RIAdmitted (licensed)$526,7890.05%
167Colony Specialty Insurance Company36927NEAdmitted (licensed)$515,0010.05%
168West American Insurance Company44393INAdmitted (licensed)$512,0800.05%
169Berkley Casualty Company15911IAAdmitted (licensed)$499,3650.05%
170TravCo Insurance Company28188CTAdmitted (licensed)$494,4720.05%
171Travelers Indemnity Company (The)25658CTAdmitted (licensed)$494,0820.05%
172Kinsale Insurance Company38920ARSurplus lines (eligible)$488,1270.05%
173Navigators Insurance Company42307NYAdmitted (licensed)$484,0480.05%
174Burlington Insurance Company (The)23620ILSurplus lines (eligible)$466,8850.04%
175Allmerica Financial Benefit Insurance Company41840MIAdmitted (licensed)$437,8590.04%
176BITCO General Insurance Corporation20095IAAdmitted (licensed)$434,0160.04%
177Manufacturers Alliance Insurance Company36897PAAdmitted (licensed)$424,0650.04%
178American Safety Insurance Company33103GASurplus lines (eligible)$417,1660.04%
179Penn-Star Insurance Company10673PASurplus lines (eligible)$414,8590.04%
180Continental Indemnity Company28258NMAdmitted (licensed)$409,9910.04%
181Swiss Re Corporate Solutions Elite Insurance Corporation29700MOAdmitted (licensed)$389,9740.04%
182Westchester Fire Insurance Company10030PAAdmitted (licensed)$388,7530.04%
183Canopius US Insurance, Inc.12961DESurplus lines (eligible)$385,4360.04%
184Tokio Marine Specialty Insurance Company23850DESurplus lines (eligible)$378,4060.04%
185Cincinnati Indemnity Company (The)23280OHAdmitted (licensed)$374,7520.03%
186Specialty Builders Insurance Company16826GASurplus lines (eligible)$369,3720.03%
187Endurance Risk Solutions Assurance Company43630DEAdmitted (licensed)$368,4650.03%
188Liberty Mutual Insurance Company23043MAAdmitted (licensed)$366,4780.03%
189Endurance American Specialty Insurance Company41718DESurplus lines (eligible)$349,7620.03%
190|Landmark American Insurance Company33138NHSurplus lines (eligible)$340,5090.03%
191Fireman's Fund Insurance Company21873ILAdmitted (licensed)$334,4100.03%
192Vantage Risk Specialty Insurance Company16275DESurplus lines (eligible)$332,4500.03%
193Voyager Indemnity Insurance Company40428GASurplus lines (eligible)$328,3650.03%
194Travelers Indemnity Company of America (The)25666CTAdmitted (licensed)$310,8320.03%
195INTERSTATE FIRE \u0026 CASUALTY COMPANY\22829ILSurplus lines (eligible)$305,5120.03%
196American Reliable Insurance Company19615AZAdmitted (licensed)$305,2830.03%
197AmGUARD Insurance Company42390NEAdmitted (licensed)$304,4860.03%
198General Insurance Company of America24732NHAdmitted (licensed)$295,6380.03%
199Lititz Mutual Insurance Company14400PAAdmitted (licensed)$290,2600.03%
200Allied World Assurance Company (U.S.), Inc.19489DESurplus lines (eligible)$289,5140.03%
201First Financial Insurance Company11177ILAdmitted (licensed)$287,6500.03%
202|Houston Casualty Company42374TXSurplus lines (eligible)$283,0010.03%
203Federated Service Insurance Company28304MNAdmitted (licensed)$280,2120.03%
204Pennsylvania Insurance Company21962NMAdmitted (licensed)$279,6720.03%
205New York Marine and General Insurance Company16608NYAdmitted (licensed)$275,4480.03%
206Accelerant Specialty Insurance Company16890ARSurplus lines (eligible)$247,8560.02%
207Point Specialty Insurance Company25747WIAdmitted (licensed)$237,3750.02%
208Wesco Insurance Company25011DEAdmitted (licensed)$235,3870.02%
209FCCI Insurance Company10178FLAdmitted (licensed)$235,2100.02%
210Nautilus Insurance Company17370AZSurplus lines (eligible)$225,7180.02%
211Sentry Insurance Company24988WIAdmitted (licensed)$225,0820.02%
212Star Insurance Company18023MIAdmitted (licensed)$224,7950.02%
213Cincinnati Specialty Underwriters Insurance Company (The)13037DESurplus lines (eligible)$223,7070.02%
214Travelers Personal Insurance Company38130CTAdmitted (licensed)$209,3630.02%
215Old Guard Insurance Company17558OHAdmitted (licensed)$205,4500.02%
216|Trisura Specialty Insurance Company16188OKSurplus lines (eligible)$204,1540.02%
217Cumis Insurance Society Incorporated10847IAAdmitted (licensed)$203,5310.02%
218Hartford Casualty Insurance Company29424INAdmitted (licensed)$202,4220.02%
219|Hadron Specialty Insurance Company17534ARSurplus lines (eligible)$201,8230.02%
220Penn Millers Insurance Company14982PAAdmitted (licensed)$199,2290.02%
221Summit Specialty Insurance Company16889NESurplus lines (eligible)$198,4770.02%
222Armed Forces Insurance Exchange41459KSAdmitted (licensed)$190,8750.02%
223JM Specialty Insurance Company16116WIAdmitted (licensed)$189,5290.02%
224Daily Underwriters of America35483PAAdmitted (licensed)$185,7410.02%
225Vantage Risk Assurance Company32077DEAdmitted (licensed)$182,2600.02%
226Southlake Specialty Insurance Company16999TXSurplus lines (eligible)$180,7010.02%
227Obsidian Pacific Insurance Company26395DEAdmitted (licensed)$172,7510.02%
228Standard Fire Insurance Company (The)19070CTAdmitted (licensed)$167,3290.02%
229Beazley Insurance Company, Inc.37540CTAdmitted (licensed)$163,1810.02%
230State Automobile Mutual Insurance Company25135OHAdmitted (licensed)$162,4200.02%
231Ascot Specialty Insurance Company45055RISurplus lines (eligible)$158,0730.01%
232Greenwich Insurance Company22322DEAdmitted (licensed)$154,7880.01%
233National Interstate Insurance Company32620OHAdmitted (licensed)$154,3710.01%
234Northfield Insurance Company27987IASurplus lines (eligible)$151,1990.01%
235Harford Mutual Insurance Company14141MDAdmitted (licensed)$147,4490.01%
236Central States Indemnity Company of Omaha34274NEAdmitted (licensed)$142,7000.01%
237MS Transverse Insurance Company21075TXAdmitted (licensed)$141,6600.01%
238American Select Insurance Company19992OHAdmitted (licensed)$136,1840.01%
239American Strategic Insurance Corporation10872INAdmitted (licensed)$133,0010.01%
240Berkley Specialty Insurance Company31295DESurplus lines (eligible)$128,1640.01%
241Economy Premier Assurance Company40649ILAdmitted (licensed)$126,3430.01%
242Everett Cash Mutual Insurance Company17043PAAdmitted (licensed)$119,1660.01%
243Arch Specialty Insurance Company21199MOSurplus lines (eligible)$119,1290.01%
244Centurion Casualty Company42765NEAdmitted (licensed)$114,5080.01%
245SiriusPoint Specialty Insurance Corporation16820NHSurplus lines (eligible)$113,9060.01%
246Federated Rural Electric Insurance Exchange11118KSAdmitted (licensed)$113,8790.01%
247TRAVELERS EXCESS \u0026 SURPLUS LINES COMPANY\29696CTSurplus lines (eligible)$112,0100.01%
248Prime Insurance Company12588ILSurplus lines (eligible)$108,7760.01%
249Hartford Insurance Company of the Midwest37478INAdmitted (licensed)$108,2480.01%
250Mitsui Sumitomo Insurance USA Inc.22551NYAdmitted (licensed)$106,1750.01%
251Vault Reciprocal Exchange, Vault Risk Management Services, LLC A/I/F16186FLAdmitted (licensed)$105,3000.01%
252Avemco Insurance Company10367MDAdmitted (licensed)$104,1600.01%
253Westfield Superior Insurance Company16449OHAdmitted (licensed)$101,3570.01%
254Hudson Insurance Company25054DEAdmitted (licensed)$100,5320.01%
255Philadelphia Indemnity Insurance Company18058PAAdmitted (licensed)$99,4310.01%
256Republic-Franklin Insurance Company12475OHAdmitted (licensed)$99,0240.01%
257STATE AUTO PROPERTY \u0026 CASUALTY INSURANCE COMPANY25127IAAdmitted (licensed)$96,2840.01%
258Clear Blue Specialty Insurance Company37745TXSurplus lines (eligible)$95,5110.01%
259United Specialty Insurance Company12537TXSurplus lines (eligible)$92,6060.01%
260Great American Alliance Insurance Company26832OHAdmitted (licensed)$80,9140.01%
261Century Surety Company36951OHSurplus lines (eligible)$78,6970.01%
262Westfield National Insurance Company24120OHAdmitted (licensed)$77,4360.01%
263National Specialty Insurance Company22608TXAdmitted (licensed)$75,5960.01%
264Mid-Continent Casualty Company23418OHAdmitted (licensed)$74,9860.01%
265Covington Specialty Insurance Company13027NHSurplus lines (eligible)$68,4190.01%
266Church Mutual Insurance Company, S. I.18767WIAdmitted (licensed)$66,0580.01%
267Colony Insurance Company39993NESurplus lines (eligible)$65,5890.01%
268Trumbull Insurance Company27120CTAdmitted (licensed)$64,9830.01%
269HORACE MANN PROPERTY \u0026 CASUALTY INSURANCE COMPANY22756ILAdmitted (licensed)$63,9520.01%
270Trisura Insurance Company22225OKAdmitted (licensed)$60,9750.01%
271Acadia Insurance Company31325IAAdmitted (licensed)$60,1770.01%
272Travelers Indemnity Company of Connecticut (The)25682CTAdmitted (licensed)$58,7160.01%
273Navigators Specialty Insurance Company36056NYSurplus lines (eligible)$58,0650.01%
274Great Divide Insurance Company25224NDAdmitted (licensed)$57,3980.01%
275Eastern Atlantic Insurance Company28649PAAdmitted (licensed)$57,2450.01%
276Dellwood Specialty Insurance Company17332AZSurplus lines (eligible)$55,2960.01%
277Firemen's Insurance Company of Washington, D. C.21784IAAdmitted (licensed)$53,8280.01%
278Berkley Regional Insurance Company29580IAAdmitted (licensed)$52,8570.00%
279Clear Blue Insurance Company28860TXAdmitted (licensed)$52,8500.00%
280Everspan Insurance Company24961AZAdmitted (licensed)$52,5310.00%
281Motorists Mutual Insurance Company14621OHAdmitted (licensed)$50,2720.00%
282Allied World Specialty Insurance Company16624DEAdmitted (licensed)$47,9200.00%
283RSUI Indemnity Company22314NHAdmitted (licensed)$44,7840.00%
284Nationwide Agribusiness Insurance Company28223IAAdmitted (licensed)$44,3690.00%
285Indemnity Insurance Company of North America43575PAAdmitted (licensed)$43,4680.00%
286Automobile Insurance Company of Hartford, Connecticut (The)19062CTAdmitted (licensed)$41,3500.00%
287American Family Home Insurance Company23450FLAdmitted (licensed)$40,6640.00%
288VAULT E\u0026S INSURANCE COMPANY\16237ARSurplus lines (eligible)$39,9070.00%
289Fortegra Specialty Insurance Company16823AZSurplus lines (eligible)$39,0190.00%
290BITCO National Insurance Company20109IAAdmitted (licensed)$37,3620.00%
291Westfield Premier Insurance Company16450OHAdmitted (licensed)$36,9280.00%
292Incline Casualty Company11090TXAdmitted (licensed)$35,9420.00%
293Great American Insurance Company of New York22136NYAdmitted (licensed)$35,8810.00%
294Falls Lake National Insurance Company31925OHAdmitted (licensed)$33,8590.00%
295MSIG Specialty Insurance USA Inc.34886NYSurplus lines (eligible)$33,5000.00%
296Knightbrook Insurance Company13722DEAdmitted (licensed)$33,3690.00%
297Northwest Farmers Mut Ins Co14021NCAdmitted (licensed)$33,2590.00%
298AIX Specialty Insurance Company12833DESurplus lines (eligible)$32,7680.00%
299Transportation Insurance Company20494ILAdmitted (licensed)$32,5630.00%
300NGM Insurance Company14788FLAdmitted (licensed)$32,0950.00%
301Phenix Mutual Fire Insurance Company23175OHAdmitted (licensed)$32,0680.00%
302AMCO Insurance Company19100IAAdmitted (licensed)$31,7520.00%
303National Fire Insurance Company of Hartford20478ILAdmitted (licensed)$31,1050.00%
304Security National Insurance Company19879DEAdmitted (licensed)$31,0170.00%
305Obsidian Insurance Company35602OHAdmitted (licensed)$30,3950.00%
306Hartford Underwriters Insurance Company30104CTAdmitted (licensed)$30,1550.00%
307American Casualty Company of Reading, Pennsylvania20427PAAdmitted (licensed)$30,0000.00%
308Motorists Commercial Mutual Insurance Company13331OHAdmitted (licensed)$29,7760.00%
309Continental Insurance Company, (The)35289PAAdmitted (licensed)$29,0600.00%
310Spinnaker Specialty Insurance Company17045TXSurplus lines (eligible)$28,9750.00%
311QBE Specialty Insurance Company11515NDSurplus lines (eligible)$28,6320.00%
312Keystone National Insurance Company12199PAAdmitted (licensed)$28,1810.00%
313CRUM \u0026 FORSTER SPECIALTY INSURANCE COMPANY\44520DESurplus lines (eligible)$27,5480.00%
314Lancer Insurance Company26077ILAdmitted (licensed)$26,9000.00%
315Imperium Insurance Company35408TXAdmitted (licensed)$26,2460.00%
316Republic - Vanguard Insurance Company40479AZSurplus lines (eligible)$25,9690.00%
317Vanliner Insurance Company21172OHAdmitted (licensed)$25,9110.00%
318Union Insurance Company25844IAAdmitted (licensed)$25,7420.00%
319Teachers Insurance Company22683ILAdmitted (licensed)$24,5140.00%
320Crestbrook Insurance Company18961OHAdmitted (licensed)$23,5980.00%
321Sutton Specialty Insurance Company16848OKSurplus lines (eligible)$23,3360.00%
322General Security Indemnity Company of Arizona20559AZSurplus lines (eligible)$22,6120.00%
323Frank Winston Crum Insurance Company11600FLAdmitted (licensed)$22,5560.00%
324Sierra Specialty Insurance Company19208TXSurplus lines (eligible)$22,5170.00%
325CorePointe Insurance Company10499DEAdmitted (licensed)$22,3270.00%
326Rock Ridge Insurance Company11089TXAdmitted (licensed)$22,0180.00%
327Westfield Champion Insurance Company16447OHAdmitted (licensed)$21,6760.00%
328Everspan Indemnity Insurance Company (C)16882AZSurplus lines (eligible)$21,2130.00%
329Mesa Underwriters Specialty Insurance Company36838NJSurplus lines (eligible)$20,6090.00%
330Carolina Farmers Mut Ins Co10720NCAdmitted (licensed)$19,6900.00%
331Great American Security Insurance Company31135OHAdmitted (licensed)$18,4740.00%
332One Alliance North America Insurance Company10759TXAdmitted (licensed)$17,9330.00%
333Travelers Personal Security Insurance Company36145CTAdmitted (licensed)$15,5650.00%
334Amerisure Mutual Insurance Company23396MIAdmitted (licensed)$14,1180.00%
335Homeowners of America Insurance Company12536TXAdmitted (licensed)$14,0800.00%
336Insurance Company of the West27847CAAdmitted (licensed)$13,7960.00%
337AIG Specialty Insurance Company26883ILSurplus lines (eligible)$13,5640.00%
338Pacific Indemnity Company20346DEAdmitted (licensed)$13,3750.00%
339Massachusetts Bay Insurance Company22306NHAdmitted (licensed)$13,0710.00%
340Fidelity and Deposit Company of Maryland (The)39306ILAdmitted (licensed)$12,9990.00%
341American Alternative Insurance Corporation19720DEAdmitted (licensed)$12,0090.00%
342Adriatic Insurance Company39381NDSurplus lines (eligible)$11,6910.00%
343Acceptance Indemnity Insurance Company20010NESurplus lines (eligible)$11,1750.00%
344Contractors Bonding and Insurance Company37206ILAdmitted (licensed)$11,0280.00%
345Seneca Specialty Insurance Company, Inc.10729DESurplus lines (eligible)$10,6730.00%
346Concert Insurance Company10891ILAdmitted (licensed)$10,6300.00%
347Hartford Accident and Indemnity Company22357CTAdmitted (licensed)$10,4120.00%
348Granada Indemnity Company38148NYAdmitted (licensed)$10,2640.00%
349Fidelity and Guaranty Insurance Company35386IAAdmitted (licensed)$10,1180.00%
350Southern Insurance Company of Virginia26867VAAdmitted (licensed)$10,1050.00%
351StarStone Specialty Insurance Company44776DESurplus lines (eligible)$10,1000.00%
352Chubb National Insurance Company10052INAdmitted (licensed)$9,8100.00%
353Great Plains Casualty, Inc.12982IAAdmitted (licensed)$9,3490.00%
354Pharmacists Mutual Insurance Company13714IAAdmitted (licensed)$9,2980.00%
355NATIONAL LIABILITY \u0026 FIRE INSURANCE COMPANY20052CTAdmitted (licensed)$9,1170.00%
356Ohio Farmers Insurance Company24104OHAdmitted (licensed)$9,0490.00%
357Utica Mutual Insurance Company25976NYAdmitted (licensed)$8,9310.00%
358Concert Specialty Insurance Company17151MTSurplus lines (eligible)$8,7350.00%
359Maxum Indemnity Company26743CTSurplus lines (eligible)$8,4760.00%
360Southern States Insurance Exchange15709VAAdmitted (licensed)$7,7820.00%
361Amerisure Partners Insurance Company11050MIAdmitted (licensed)$7,6170.00%
362Stillwater Property and Casualty Insurance Company16578NYAdmitted (licensed)$7,3660.00%
363Atain Specialty Insurance Company17159MISurplus lines (eligible)$7,2650.00%
364Continental Western Insurance Company10804IAAdmitted (licensed)$7,0680.00%
365First Guard Insurance Company10676AZAdmitted (licensed)$6,9260.00%
366Verlan Fire Insurance Company10815NHAdmitted (licensed)$5,8130.00%
367All America Insurance Company20222OHAdmitted (licensed)$5,7180.00%
368Ace Fire Underwriters Insurance Company20702PAAdmitted (licensed)$5,4270.00%
369Incline Americas Insurance Company17532TXSurplus lines (eligible)$5,4080.00%
370Horace Mann Insurance Company22578ILAdmitted (licensed)$5,4070.00%
371Wilson Mutual Insurance Company19950OHAdmitted (licensed)$5,3750.00%
372UNIVERSAL FIRE \u0026 CASUALTY INSURANCE COMPANY32867INAdmitted (licensed)$5,3280.00%
373Protective Insurance Company12416INAdmitted (licensed)$5,1470.00%
3741842 Insurance Company16862MDAdmitted (licensed)$5,0710.00%
375Property and Casualty Insurance Company of Hartford34690INAdmitted (licensed)$4,4550.00%
376St. Paul Fire and Marine Insurance Company24767CTAdmitted (licensed)$4,1200.00%
377Peninsula Insurance Company (The)14958MDAdmitted (licensed)$4,0020.00%
378Donegal Mutual Insurance Company13692PAAdmitted (licensed)$3,5580.00%
379Tri-State Insurance Company of Minnesota31003IAAdmitted (licensed)$2,8840.00%
380Gotham Insurance Company25569NYSurplus lines (eligible)$2,8000.00%
381Pacific Employers Insurance Company22748PAAdmitted (licensed)$2,7950.00%
382Hanover American Insurance Company (The)36064NHAdmitted (licensed)$2,5720.00%
383Diamond State Insurance Company42048INAdmitted (licensed)$2,5250.00%
384General Star Indemnity Company37362DESurplus lines (eligible)$2,5180.00%
385Berkshire Hathaway Direct Insurance Company10391NEAdmitted (licensed)$2,3320.00%
386Ansur America Insurance Company10984MIAdmitted (licensed)$2,3170.00%
387American Automobile Insurance Company21849MOAdmitted (licensed)$2,2020.00%
388Travelers Casualty and Surety Company19038CTAdmitted (licensed)$2,1700.00%
389Frederick Mutual Insurance Company14753MDAdmitted (licensed)$2,1510.00%
390Knight Specialty Insurance Company15366DESurplus lines (eligible)$2,0050.00%
391General Casualty Company of Wisconsin24414WIAdmitted (licensed)$1,8820.00%
392Everest National Insurance Company10120DEAdmitted (licensed)$1,5330.00%
393United National Insurance Company13064PASurplus lines (eligible)$1,4970.00%
394St. Paul Guardian Insurance Company24775CTAdmitted (licensed)$1,4680.00%
395|Travelers Specialty Insurance Company10213CTSurplus lines (eligible)$1,3110.00%
396Amerisure Insurance Company19488MIAdmitted (licensed)$1,2210.00%
397Bricktown Specialty Insurance Company17166OKSurplus lines (eligible)$1,2070.00%
398North Light Specialty Insurance Company13167ILSurplus lines (eligible)$1,1880.00%
399Atlantic States Insurance Company22586PAAdmitted (licensed)$1,1870.00%
400Lio Insurance Company40550AZAdmitted (licensed)$1,0760.00%
401Farmers Direct Property and Casualty Insurance Company25321RIAdmitted (licensed)$9790.00%
402Esurance Insurance Company25712ILAdmitted (licensed)$8920.00%
403Allied Trust Insurance Company15816TXAdmitted (licensed)$8880.00%
404|Mount Vernon Fire Insurance Company26522PASurplus lines (eligible)$8500.00%
405Allied Property and Casualty Insurance Company42579IAAdmitted (licensed)$6490.00%
406The Members Ins Co12617NCAdmitted (licensed)$5600.00%
407Builders Premier Insurance Company13036NCAdmitted (licensed)$5580.00%
408Westfield Touchstone Insurance Company16448OHAdmitted (licensed)$5120.00%
409Twin City Fire Insurance Company (The)29459INAdmitted (licensed)$5020.00%
410|Hudson Excess Insurance Company14484DESurplus lines (eligible)$5000.00%
411Ohio Security Insurance Company24082NHAdmitted (licensed)$5000.00%
412Firstline Insurance Company40100MDAdmitted (licensed)$4030.00%
413Insurance Company of North America22713PAAdmitted (licensed)$2700.00%
414Foremost Property and Casualty Insurance Company11800MIAdmitted (licensed)$1960.00%
415Tower Hill Prime Insurance Company11027FLAdmitted (licensed)$1310.00%
416Grain Dealers Mutual Insurance Company22098INAdmitted (licensed)$1190.00%
417Utica National Assurance Company10687NYAdmitted (licensed)$1000.00%
418Penn-America Insurance Company32859PASurplus lines (eligible)$970.00%
419Universal Insurance Company32972NCAdmitted (licensed)$770.00%
420MS Transverse Specialty Insurance Company41807TXSurplus lines (eligible)$180.00%
Turned down?

Last resort for inland marine 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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