
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
The companies
| # | Company | NAIC | Home state | Status here | Premium | Share |
|---|---|---|---|---|---|---|
| 1 | American Pet Insurance Company, Inc. | 12190 | NY | Admitted (licensed) | $31.8M | 23.85% |
| 2 | Independence American Insurance Company | 26581 | DE | Admitted (licensed) | $27.1M | 20.31% |
| 3 | National Casualty Company | 11991 | OH | Admitted (licensed) | $24.9M | 18.62% |
| 4 | American Modern Home Insurance Company | 23469 | OH | Admitted (licensed) | $11.3M | 8.43% |
| 5 | Metropolitan General Insurance Company | 39950 | RI | Admitted (licensed) | $10.6M | 7.92% |
| 6 | Lemonade Insurance Company | 16023 | NY | Admitted (licensed) | $9.8M | 7.32% |
| 7 | AXIS Insurance Company | 37273 | IL | Admitted (licensed) | $6.0M | 4.48% |
| 8 | Westchester Fire Insurance Company | 10030 | PA | Admitted (licensed) | $5.4M | 4.02% |
| 9 | Indemnity Insurance Company of North America | 43575 | PA | Admitted (licensed) | $2.1M | 1.59% |
| 10 | Ace American Insurance Company | 22667 | PA | Admitted (licensed) | $833,213 | 0.62% |
| 11 | Independence Pet Insurance Company | 17543 | DE | Admitted (licensed) | $826,389 | 0.62% |
| 12 | Accredited Surety and Casualty Company, Inc. | 26379 | FL | Admitted (licensed) | $745,017 | 0.56% |
| 13 | Trisura Insurance Company | 22225 | OK | Admitted (licensed) | $473,349 | 0.35% |
| 14 | Liberty Mutual Fire Insurance Company | 23035 | WI | Admitted (licensed) | $309,184 | 0.23% |
| 15 | Markel American Insurance Company | 28932 | VA | Admitted (licensed) | $287,520 | 0.22% |
| 16 | North River Insurance Company (The) | 21105 | NJ | Admitted (licensed) | $177,829 | 0.13% |
| 17 | Old Republic Insurance Company | 24147 | PA | Admitted (licensed) | $149,242 | 0.11% |
| 18 | Palms Specialty Insurance Company, Inc. | 17327 | DE | Surplus lines (eligible) | $145,394 | 0.11% |
| 19 | National Specialty Insurance Company | 22608 | TX | Admitted (licensed) | $131,985 | 0.10% |
| 20 | Everspan Insurance Company | 24961 | AZ | Admitted (licensed) | $121,366 | 0.09% |
| 21 | United States Fire Insurance Company | 21113 | DE | Admitted (licensed) | $102,090 | 0.08% |
| 22 | Cimarron Insurance Company, Inc. | 20400 | AZ | Admitted (licensed) | $89,769 | 0.07% |
| 23 | Safeco Insurance Company of America | 24740 | NH | Admitted (licensed) | $83,843 | 0.06% |
| 24 | Incline Casualty Company | 11090 | TX | Admitted (licensed) | $70,653 | 0.05% |
| 25 | Progressive Premier Insurance Company of Illinois | 21735 | OH | Admitted (licensed) | $65,689 | 0.05% |
| 26 | XL Specialty Insurance Company | 37885 | DE | Admitted (licensed) | $16,643 | 0.01% |
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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