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Directory · North Carolina · Pet

Who writes pet in North Carolina

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

26 companies wrote pet in North Carolina in 2025, $133.5M in direct premium. American Pet Insurance Company, Inc. led with 23.9%; the top five hold 79%.

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

Top 10 · NAIC table: 09.2 - Pet Insurance

The insurer groups that write the most pet 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.

Pet · North Carolina

The companies

#CompanyNAICHome stateStatus herePremiumShare
1American Pet Insurance Company, Inc.12190NYAdmitted (licensed)$31.8M23.85%
2Independence American Insurance Company26581DEAdmitted (licensed)$27.1M20.31%
3National Casualty Company11991OHAdmitted (licensed)$24.9M18.62%
4American Modern Home Insurance Company23469OHAdmitted (licensed)$11.3M8.43%
5Metropolitan General Insurance Company39950RIAdmitted (licensed)$10.6M7.92%
6Lemonade Insurance Company16023NYAdmitted (licensed)$9.8M7.32%
7AXIS Insurance Company37273ILAdmitted (licensed)$6.0M4.48%
8Westchester Fire Insurance Company10030PAAdmitted (licensed)$5.4M4.02%
9Indemnity Insurance Company of North America43575PAAdmitted (licensed)$2.1M1.59%
10Ace American Insurance Company22667PAAdmitted (licensed)$833,2130.62%
11Independence Pet Insurance Company17543DEAdmitted (licensed)$826,3890.62%
12Accredited Surety and Casualty Company, Inc.26379FLAdmitted (licensed)$745,0170.56%
13Trisura Insurance Company22225OKAdmitted (licensed)$473,3490.35%
14Liberty Mutual Fire Insurance Company23035WIAdmitted (licensed)$309,1840.23%
15Markel American Insurance Company28932VAAdmitted (licensed)$287,5200.22%
16North River Insurance Company (The)21105NJAdmitted (licensed)$177,8290.13%
17Old Republic Insurance Company24147PAAdmitted (licensed)$149,2420.11%
18Palms Specialty Insurance Company, Inc.17327DESurplus lines (eligible)$145,3940.11%
19National Specialty Insurance Company22608TXAdmitted (licensed)$131,9850.10%
20Everspan Insurance Company24961AZAdmitted (licensed)$121,3660.09%
21United States Fire Insurance Company21113DEAdmitted (licensed)$102,0900.08%
22Cimarron Insurance Company, Inc.20400AZAdmitted (licensed)$89,7690.07%
23Safeco Insurance Company of America24740NHAdmitted (licensed)$83,8430.06%
24Incline Casualty Company11090TXAdmitted (licensed)$70,6530.05%
25Progressive Premier Insurance Company of Illinois21735OHAdmitted (licensed)$65,6890.05%
26XL Specialty Insurance Company37885DEAdmitted (licensed)$16,6430.01%
Turned down?

Last resort for pet 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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