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Directory · North Carolina · Commercial property (fire and allied lines)

Who writes commercial property (fire and allied lines) in North Carolina

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

340 companies wrote commercial property (fire and allied lines) in North Carolina in 2025, $1.35B in direct premium. Factory Mutual Insurance Company led with 6.0%; the top five hold 23%. 355 companies are licensed for the line.

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

Top 10 · NAIC table: 02.1 - Allied Lines

The insurer groups that write the most commercial property (fire and allied lines) 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
1Fm Group$62.1M8.98%—Factory Mutual Insurance Company, Affiliated F M Insurance Company, Appalachian Insurance Company
2Zurich Insurance Group$46.3M6.69%47%Zurich American Insurance Company, Rural Community Insurance Company, American Zurich Insurance Company, American Guarantee and Liability Insurance Company
3Travelers Group$44.1M6.37%45%Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
4Farmers Insurance Group$40.7M5.88%20%Farmers Insurance Exchange, Foremost Insurance Company Grand Rapids, Michigan, Mid-Century Insurance Company, Fire Insurance Exchange Fire Underwriters Association
5United Serv Automobile Assn Group$37.6M5.44%23%United Services Automobile Association, USAA Reciprocal, Attorney-in-fact, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company
6Assurant Inc Group$28.4M4.11%23%Virginia Surety Company, Inc., American Bankers Insurance Company of Florida, American Security Insurance Company, Standard Guaranty Insurance Company
7Berkshire Hathaway Group$27.6M3.99%—GEICO General Insurance Company, GEICO Texas County Mutual Insurance Company, GEICO County Mutual Insurance Company, Government Employees Insurance Company
8North Carolina Farm Bureau Group$27.4M3.96%44%North Carolina Farm Bur Mut Ins Co, Farm Bureau Ins Of Nc Inc
9Frontline Insurance Group$26.9M3.90%3%First Protective Insurance Company, Frontline Insurance Unlimited Company
10Cincinnati Financial Group$25.6M3.71%25%Cincinnati Insurance Company (The), Cincinnati Casualty Company (The), Cincinnati Indemnity Company (The), Cincinnati Specialty Underwriters Insurance Company (The)
Commercial property (fire and allied lines) · North Carolina

The companies

#CompanyNAICHome stateStatus herePremiumShare
1Factory Mutual Insurance Company21482RIAdmitted (licensed)$81.6M6.03%
2Foremost Insurance Company Grand Rapids, Michigan11185MIAdmitted (licensed)$78.9M5.84%
3Zurich American Insurance Company16535NYAdmitted (licensed)$55.6M4.11%
4Auto-Owners Insurance Company18988MIAdmitted (licensed)$51.4M3.80%
5North Carolina Farm Bur Mut Ins Co14842NCAdmitted (licensed)$43.5M3.22%
6Starr Surplus Lines Insurance Company13604TXSurplus lines (eligible)$43.4M3.21%
7Standard Guaranty Insurance Company42986DEAdmitted (licensed)$39.9M2.95%
8Travelers Indemnity Company (The)25658CTAdmitted (licensed)$37.5M2.78%
9Cincinnati Insurance Company (The)10677OHAdmitted (licensed)$29.4M2.18%
10United Services Automobile Association, USAA Reciprocal, Attorney-in-fact25941TXAdmitted (licensed)$27.3M2.02%
11First Protective Insurance Company10897FLAdmitted (licensed)$24.8M1.84%
12AIG Specialty Insurance Company26883ILSurplus lines (eligible)$22.8M1.69%
13Lexington Insurance Company19437DESurplus lines (eligible)$22.7M1.68%
14MS Transverse Specialty Insurance Company41807TXSurplus lines (eligible)$22.5M1.66%
15Selective Insurance Company of America12572NJAdmitted (licensed)$21.1M1.56%
16American Modern Property and Casualty Insurance Company42722OHAdmitted (licensed)$20.8M1.54%
17Affiliated F M Insurance Company10014RIAdmitted (licensed)$20.7M1.53%
18Employers Insurance Company of Wausau21458WIAdmitted (licensed)$19.5M1.44%
19XL Insurance America, Inc.24554DEAdmitted (licensed)$19.3M1.43%
20Westchester Surplus Lines Insurance Company10172GASurplus lines (eligible)$18.6M1.38%
21|Landmark American Insurance Company33138NHSurplus lines (eligible)$18.4M1.36%
22West Bend Insurance Company15350WIAdmitted (licensed)$18.2M1.34%
23Pennsylvania National Mutual Casualty Insurance Company14990PAAdmitted (licensed)$17.1M1.26%
24Travelers Property Casualty Company of America25674CTAdmitted (licensed)$15.8M1.17%
25Selective Insurance Company of the Southeast39926INAdmitted (licensed)$14.6M1.08%
26TRAVELERS EXCESS \u0026 SURPLUS LINES COMPANY\29696CTSurplus lines (eligible)$14.2M1.05%
27Swiss Re Corporate Solutions Elite Insurance Corporation29700MOAdmitted (licensed)$13.4M0.99%
28Fireman's Fund Insurance Company21873ILAdmitted (licensed)$13.3M0.98%
29Pennsylvania Lumbermen's Mutual Insurance Company14974PAAdmitted (licensed)$12.8M0.94%
30Steadfast Insurance Company26387ILSurplus lines (eligible)$12.7M0.94%
31NATIONAL FIRE \u0026 MARINE INSURANCE COMPANY\20079NESurplus lines (eligible)$12.4M0.92%
32Endurance American Specialty Insurance Company41718DESurplus lines (eligible)$12.0M0.89%
33Allianz Global Risks US Insurance Company35300ILAdmitted (licensed)$12.0M0.89%
34AXIS Surplus Insurance Company26620ILSurplus lines (eligible)$11.9M0.88%
35Federated Mutual Insurance Company13935MNAdmitted (licensed)$11.2M0.83%
36United States Liability Insurance Company25895NEAdmitted (licensed)$10.1M0.75%
37USAA Casualty Insurance Company25968TXAdmitted (licensed)$9.7M0.72%
38Liberty Mutual Fire Insurance Company23035WIAdmitted (licensed)$9.7M0.72%
39Safeco Insurance Company of America24740NHAdmitted (licensed)$9.4M0.69%
40Columbia Casualty Company31127ILSurplus lines (eligible)$9.1M0.68%
41Arch Specialty Insurance Company21199MOSurplus lines (eligible)$9.0M0.67%
42Liberty Mutual Insurance Company23043MAAdmitted (licensed)$8.6M0.64%
43EMPLOYERS MUTUAL CASUALTY COMPANY Employers Mutual Casualty Company)21415IAAdmitted (licensed)$8.3M0.62%
44SureChoice Underwriters Reciprocal Exchange17030TXAdmitted (licensed)$8.1M0.60%
45One Alliance North America Insurance Company10759TXAdmitted (licensed)$8.1M0.60%
46Penn National Security Insurance Company32441PAAdmitted (licensed)$7.9M0.58%
47HDI Global Insurance Company41343ILAdmitted (licensed)$7.7M0.57%
48Nationwide Mutual Insurance Company23787OHAdmitted (licensed)$7.6M0.56%
49Mitsui Sumitomo Insurance Company of America20362NYAdmitted (licensed)$7.0M0.52%
50Hartford Fire Insurance Company19682CTAdmitted (licensed)$7.0M0.52%
51Princeton Excess and Surplus Lines Insurance Company (The)10786DESurplus lines (eligible)$6.9M0.51%
52Selective Insurance Company of South Carolina19259INAdmitted (licensed)$6.8M0.50%
53Obsidian Specialty Insurance Company16871DESurplus lines (eligible)$6.6M0.49%
54Verlan Fire Insurance Company10815NHAdmitted (licensed)$6.5M0.48%
55Scottsdale Insurance Company41297OHSurplus lines (eligible)$6.3M0.47%
56Swiss Re Corporate Solutions Capacity Insurance Corporation34916MOSurplus lines (eligible)$5.9M0.44%
57Evanston Insurance Company35378ILSurplus lines (eligible)$5.9M0.44%
58USAA General Indemnity Company18600TXAdmitted (licensed)$5.9M0.44%
59Kinsale Insurance Company38920ARSurplus lines (eligible)$5.6M0.42%
60Tower Hill Prime Insurance Company11027FLAdmitted (licensed)$5.6M0.41%
61Everest Indemnity Insurance Company10851DESurplus lines (eligible)$5.5M0.41%
62Cincinnati Specialty Underwriters Insurance Company (The)13037DESurplus lines (eligible)$5.0M0.37%
63StarStone Specialty Insurance Company44776DESurplus lines (eligible)$4.7M0.35%
64Sentry Insurance Company24988WIAdmitted (licensed)$4.7M0.35%
65|Houston Casualty Company42374TXSurplus lines (eligible)$4.7M0.34%
66RSUI Indemnity Company22314NHAdmitted (licensed)$4.7M0.34%
67American Home Assurance Company19380NYAdmitted (licensed)$4.6M0.34%
68Continental Casualty Company20443ILAdmitted (licensed)$4.5M0.33%
69Tokio Marine America Insurance Company10945NYAdmitted (licensed)$4.2M0.31%
70Lititz Mutual Insurance Company14400PAAdmitted (licensed)$4.1M0.31%
71State Automobile Mutual Insurance Company25135OHAdmitted (licensed)$4.1M0.31%
72General Star Indemnity Company37362DESurplus lines (eligible)$4.1M0.31%
73Federated Rural Electric Insurance Exchange11118KSAdmitted (licensed)$4.1M0.31%
74|Indian Harbor Insurance Company36940DESurplus lines (eligible)$4.0M0.29%
75Beazley Excess and Surplus Insurance, Inc. (C)17520CTSurplus lines (eligible)$3.8M0.28%
76Hanover Insurance Company (The)22292NHAdmitted (licensed)$3.8M0.28%
77Fortegra Specialty Insurance Company16823AZSurplus lines (eligible)$3.7M0.27%
78Northfield Insurance Company27987IASurplus lines (eligible)$3.6M0.27%
79Accelerant Specialty Insurance Company16890ARSurplus lines (eligible)$3.6M0.26%
80Garrison Property and Casualty Insurance Company21253TXAdmitted (licensed)$3.6M0.26%
81Mt. Hawley Insurance Company37974ILSurplus lines (eligible)$3.5M0.26%
82Cincinnati Indemnity Company (The)23280OHAdmitted (licensed)$3.4M0.26%
83Aspen Specialty Insurance Company10717NDSurplus lines (eligible)$3.0M0.22%
84Nautilus Insurance Company17370AZSurplus lines (eligible)$3.0M0.22%
85Middlesex Insurance Company23434WIAdmitted (licensed)$2.9M0.21%
86EMCASCO Insurance Company21407IAAdmitted (licensed)$2.8M0.21%
87STATE AUTO PROPERTY \u0026 CASUALTY INSURANCE COMPANY25127IAAdmitted (licensed)$2.8M0.21%
88Amherst Specialty Insurance Company17565TXSurplus lines (eligible)$2.8M0.20%
89Old Republic Union Insurance Company31143ILSurplus lines (eligible)$2.7M0.20%
90Gotham Insurance Company25569NYSurplus lines (eligible)$2.7M0.20%
91Westfield Specialty Insurance Company16992OHSurplus lines (eligible)$2.6M0.20%
92Bridgeway Insurance Company ( Formerly American Modern Surplus Lines Insurance Company12489DESurplus lines (eligible)$2.6M0.19%
93Seneca Insurance Company Incorporated10936NYAdmitted (licensed)$2.5M0.18%
94Atlantic Specialty Insurance Company27154NYAdmitted (licensed)$2.4M0.18%
95Federated Reserve Insurance Company16024MNAdmitted (licensed)$2.4M0.18%
96Penn Millers Insurance Company14982PAAdmitted (licensed)$2.4M0.18%
97GREAT AMERICAN E\u0026 S INSURANCE COMPANY\37532OHSurplus lines (eligible)$2.4M0.18%
98Davidson County MFIC14017NCAdmitted (licensed)$2.4M0.18%
99Accredited Surety and Casualty Company, Inc.26379FLAdmitted (licensed)$2.4M0.17%
100Berkshire Hathaway Direct Insurance Company10391NEAdmitted (licensed)$2.3M0.17%
101Ace American Insurance Company22667PAAdmitted (licensed)$2.3M0.17%
102National Casualty Company11991OHAdmitted (licensed)$2.3M0.17%
103Covington Specialty Insurance Company13027NHSurplus lines (eligible)$2.3M0.17%
104North Carolina Grange Mut Ins Co16683NCAdmitted (licensed)$2.3M0.17%
105Allied World Assurance Company (U.S.), Inc.19489DESurplus lines (eligible)$2.3M0.17%
106EMC PROPERTY \u0026 CASUALTY COMPANY25186IAAdmitted (licensed)$2.2M0.16%
107|Hadron Specialty Insurance Company17534ARSurplus lines (eligible)$2.2M0.16%
108Amica Mutual Insurance Company, The19976RIAdmitted (licensed)$2.1M0.16%
109Frontline Insurance Unlimited Company10074DESurplus lines (eligible)$2.1M0.16%
110Insurance Company of the State of Pennsylvania (The)19429ILAdmitted (licensed)$2.1M0.15%
111SafePort Insurance Company36560FLAdmitted (licensed)$2.1M0.15%
112|Trisura Specialty Insurance Company16188OKSurplus lines (eligible)$2.0M0.15%
113QBE Specialty Insurance Company11515NDSurplus lines (eligible)$1.9M0.14%
114Sompo America Insurance Company11126NYAdmitted (licensed)$1.9M0.14%
115Halifax Mut Ins Co44377NCAdmitted (licensed)$1.8M0.14%
116Owners Insurance Company32700OHAdmitted (licensed)$1.8M0.13%
117Westfield Insurance Company24112OHAdmitted (licensed)$1.8M0.13%
118Homeland Insurance Company of New York34452NYSurplus lines (eligible)$1.8M0.13%
119Ohio Security Insurance Company24082NHAdmitted (licensed)$1.7M0.13%
120Seneca Specialty Insurance Company, Inc.10729DESurplus lines (eligible)$1.7M0.13%
121Arch Insurance (UK) Limited11150MOAdmitted (licensed)$1.7M0.12%
122Heritage Property and Casualty Insurance Company14407FLAdmitted (licensed)$1.7M0.12%
123STARR INDEMNITY \u0026 LIABILITY COMPANY38318TXAdmitted (licensed)$1.5M0.11%
124Central Insurance Company20230OHAdmitted (licensed)$1.5M0.11%
125Union Insurance Company of Providence21423IAAdmitted (licensed)$1.4M0.11%
126Ironshore Specialty Insurance Company25445AZSurplus lines (eligible)$1.4M0.10%
127Charter Oak Fire Insurance Company, (The)25615CTAdmitted (licensed)$1.4M0.10%
128Automobile Insurance Company of Hartford, Connecticut (The)19062CTAdmitted (licensed)$1.4M0.10%
129American Modern Home Insurance Company23469OHAdmitted (licensed)$1.4M0.10%
130Summit Specialty Insurance Company16889NESurplus lines (eligible)$1.3M0.10%
131Houston Specialty Insurance Company12936TXSurplus lines (eligible)$1.2M0.09%
132Mesa Underwriters Specialty Insurance Company36838NJSurplus lines (eligible)$1.2M0.09%
133SOMPO AMERICA FIRE \u0026 MARINE INSURANCE COMPANY38997NYAdmitted (licensed)$1.2M0.09%
134Federated Service Insurance Company28304MNAdmitted (licensed)$1.1M0.08%
135Cincinnati Casualty Company (The)28665OHAdmitted (licensed)$1.1M0.08%
136Phoenix Insurance Company, (The)25623CTAdmitted (licensed)$1.1M0.08%
137Canopius US Insurance, Inc.12961DESurplus lines (eligible)$1.1M0.08%
138|Mount Vernon Fire Insurance Company26522PASurplus lines (eligible)$1.1M0.08%
139Fireman's Fund Indemnity Corporation11380NJSurplus lines (eligible)$1.0M0.08%
140Sutton Specialty Insurance Company16848OKSurplus lines (eligible)$1.0M0.08%
141Ategrity Specialty Insurance Company16427DESurplus lines (eligible)$973,9490.07%
142Ascot Specialty Insurance Company45055RISurplus lines (eligible)$925,4790.07%
143Western World Insurance Company, Inc.13196NHSurplus lines (eligible)$905,0610.07%
144UNIVERSAL PROPERTY \u0026 CASUALTY INSURANCE COMPANY10861FLAdmitted (licensed)$896,4090.07%
145Federal Insurance Company20281INAdmitted (licensed)$890,4140.07%
146Sentry Select Insurance Company21180WIAdmitted (licensed)$889,2340.07%
147Mitsui Sumitomo Insurance USA Inc.22551NYAdmitted (licensed)$888,6370.07%
148Piedmont Mut Ins Co17335NCAdmitted (licensed)$873,3090.06%
149Republic - Vanguard Insurance Company40479AZSurplus lines (eligible)$868,1780.06%
150American National Lloyds Insurance Company10043TXSurplus lines (eligible)$837,5280.06%
151CUMIS Specialty Insurance Company, Inc.12758IASurplus lines (eligible)$833,7710.06%
152Emerald Bay Specialty Insurance Company17527AZSurplus lines (eligible)$801,8370.06%
153Illinois Union Insurance Company27960ILSurplus lines (eligible)$797,1620.06%
154Horace Mann Insurance Company22578ILAdmitted (licensed)$794,6620.06%
155Berkley National Insurance Company38911IAAdmitted (licensed)$781,8280.06%
156Swiss Re Corporate Solutions America Insurance Corporation29874MOAdmitted (licensed)$781,0860.06%
157North River Insurance Company (The)21105NJAdmitted (licensed)$779,0870.06%
158Harleysville Insurance Company of New York10674OHSurplus lines (eligible)$759,4740.06%
159Palomar Excess and Surplus Insurance Company16754AZSurplus lines (eligible)$728,9290.05%
160Rowan MFIC14022NCAdmitted (licensed)$728,3270.05%
161Hanover American Insurance Company (The)36064NHAdmitted (licensed)$708,9990.05%
162Next Insurance US Company16285DEAdmitted (licensed)$706,0460.05%
163Utica Mutual Insurance Company25976NYAdmitted (licensed)$700,6940.05%
164CRUM \u0026 FORSTER SPECIALTY INSURANCE COMPANY\44520DESurplus lines (eligible)$682,1850.05%
165MSIG Specialty Insurance USA Inc.34886NYSurplus lines (eligible)$666,8940.05%
166American Guarantee and Liability Insurance Company26247NYAdmitted (licensed)$654,6950.05%
167Berkley Regional Insurance Company29580IAAdmitted (licensed)$644,0870.05%
168Dellwood Specialty Insurance Company17332AZSurplus lines (eligible)$626,4130.05%
169GuideOne National Insurance Company14167IASurplus lines (eligible)$601,8500.04%
170Prime Insurance Company12588ILSurplus lines (eligible)$600,1020.04%
171Travelers Indemnity Company of America (The)25666CTAdmitted (licensed)$596,8520.04%
172Nationwide Agribusiness Insurance Company28223IAAdmitted (licensed)$591,1840.04%
173Frankenmuth Insurance Company13986MIAdmitted (licensed)$561,3700.04%
174Maxum Indemnity Company26743CTSurplus lines (eligible)$537,9960.04%
175Farmers MFIC of Cleveland14019NCAdmitted (licensed)$518,7120.04%
176AIX Specialty Insurance Company12833DESurplus lines (eligible)$504,9230.04%
177Farmers MIC of Granville13975NCAdmitted (licensed)$498,4780.04%
178Clear Blue Specialty Insurance Company37745TXSurplus lines (eligible)$485,0080.04%
179CM Vantage Specialty Insurance Company15872WISurplus lines (eligible)$480,4620.04%
180Spinnaker Specialty Insurance Company17045TXSurplus lines (eligible)$471,7190.03%
181Century Surety Company36951OHSurplus lines (eligible)$469,0900.03%
182AXIS Insurance Company37273ILAdmitted (licensed)$465,5120.03%
183Nationwide Affinity Insurance Company of America26093OHAdmitted (licensed)$462,0080.03%
184Berkley Specialty Insurance Company31295DESurplus lines (eligible)$452,8040.03%
185Falls Lake National Insurance Company31925OHAdmitted (licensed)$447,7340.03%
186QBE Insurance (Europe) Limited39217PAAdmitted (licensed)$433,2050.03%
187Massachusetts Bay Insurance Company22306NHAdmitted (licensed)$401,5660.03%
188Transportation Insurance Company20494ILAdmitted (licensed)$392,5010.03%
189Richmond National Insurance Company17103NHSurplus lines (eligible)$383,2330.03%
190Carolina Farmers Mut Ins Co10720NCAdmitted (licensed)$381,8160.03%
191Voyager Indemnity Insurance Company40428GASurplus lines (eligible)$371,6920.03%
192FCCI Insurance Company10178FLAdmitted (licensed)$366,7170.03%
193Travelers Indemnity Company of Connecticut (The)25682CTAdmitted (licensed)$364,5250.03%
194INTERSTATE FIRE \u0026 CASUALTY COMPANY\22829ILSurplus lines (eligible)$343,4370.03%
195Golden Bear Insurance Company39861CASurplus lines (eligible)$342,2480.03%
196American Zurich Insurance Company40142ILAdmitted (licensed)$338,9460.03%
197Great American Fidelity Insurance Company41858OHSurplus lines (eligible)$325,8090.02%
198Vantage Risk Specialty Insurance Company16275DESurplus lines (eligible)$316,6580.02%
199Monroe Guaranty Insurance Company32506INAdmitted (licensed)$313,6650.02%
200Southlake Specialty Insurance Company16999TXSurplus lines (eligible)$293,6280.02%
201United Specialty Insurance Company12537TXSurplus lines (eligible)$291,0790.02%
202Century Mut Ins Co13725NCAdmitted (licensed)$289,8740.02%
203Fidelity and Guaranty Insurance Company35386IAAdmitted (licensed)$283,2640.02%
204Colony Insurance Company39993NESurplus lines (eligible)$273,3730.02%
205St. Paul Fire and Marine Insurance Company24767CTAdmitted (licensed)$268,6910.02%
206Hospitality Insurance Company14027CTAdmitted (licensed)$267,7760.02%
207American Strategic Insurance Corporation10872INAdmitted (licensed)$265,6170.02%
208Citizens Insurance Company of America31534MIAdmitted (licensed)$252,4040.02%
209Victor Insurance Exchange17499DESurplus lines (eligible)$247,8110.02%
210Acceptance Indemnity Insurance Company20010NESurplus lines (eligible)$246,9900.02%
211Armed Forces Insurance Exchange41459KSAdmitted (licensed)$245,6090.02%
212Northwest Farmers Mut Ins Co14021NCAdmitted (licensed)$237,3880.02%
213TransGuard Insurance Company of America, Inc.28886ILAdmitted (licensed)$235,9180.02%
214Continental Insurance Company, (The)35289PAAdmitted (licensed)$234,9080.02%
215Erie Insurance Exchange26271PAAdmitted (licensed)$222,5140.02%
216United Casualty Insurance Company of America11142MOAdmitted (licensed)$211,3430.02%
217James River Insurance Company12203OHSurplus lines (eligible)$207,7160.02%
218Markel Insurance Company38970ILAdmitted (licensed)$177,3330.01%
219Harford Mutual Insurance Company14141MDAdmitted (licensed)$176,6610.01%
220American Casualty Company of Reading, Pennsylvania20427PAAdmitted (licensed)$175,8610.01%
221Wesco Insurance Company25011DEAdmitted (licensed)$174,1810.01%
222XL Specialty Insurance Company37885DEAdmitted (licensed)$174,1660.01%
223Atain Specialty Insurance Company17159MISurplus lines (eligible)$173,8630.01%
224Superior Specialty Insurance Company (SSIC)16551TXSurplus lines (eligible)$163,7370.01%
225Cumis Insurance Society Incorporated10847IAAdmitted (licensed)$163,2620.01%
226Liberty Surplus Insurance Corporation10725NHSurplus lines (eligible)$159,9760.01%
227AZGUARD Insurance Company16495NESurplus lines (eligible)$159,2130.01%
228Intrepid Insurance Company10749IAAdmitted (licensed)$143,5320.01%
229Colony Specialty Insurance Company36927NEAdmitted (licensed)$142,8560.01%
230Southern Insurance Company of Virginia26867VAAdmitted (licensed)$135,9180.01%
231Orion 180 Insurance Company17320INSurplus lines (eligible)$135,0680.01%
232Allmerica Financial Benefit Insurance Company41840MIAdmitted (licensed)$134,0000.01%
233Alamance Farmers Mut Ins Co13190NCAdmitted (licensed)$124,1120.01%
234Accredited Specialty Insurance Company (C)16835AZSurplus lines (eligible)$123,0300.01%
235Motors Insurance Corporation22012MIAdmitted (licensed)$121,8290.01%
236Ohio Casualty Insurance Company (The)24074NHAdmitted (licensed)$107,2560.01%
237Hiscox Insurance Company (Bermuda), Ltd.10200ILAdmitted (licensed)$101,1960.01%
238Allied Trust Insurance Company15816TXAdmitted (licensed)$99,1120.01%
239United States Fire Insurance Company21113DEAdmitted (licensed)$97,5130.01%
240Great American Risk Solutions Surplus Lines Insurance Company35351OHSurplus lines (eligible)$91,7730.01%
241Donegal Mutual Insurance Company13692PAAdmitted (licensed)$88,4570.01%
242Great American Assurance Company26344OHAdmitted (licensed)$88,3580.01%
243AmGUARD Insurance Company42390NEAdmitted (licensed)$88,0070.01%
244Motorists Commercial Mutual Insurance Company13331OHAdmitted (licensed)$75,0930.01%
245Keystone National Insurance Company12199PAAdmitted (licensed)$72,5680.01%
246NATIONAL LIABILITY \u0026 FIRE INSURANCE COMPANY20052CTAdmitted (licensed)$71,7340.01%
247Granite State Insurance Company23809ILAdmitted (licensed)$70,2990.01%
248StarNet Insurance Company40045IAAdmitted (licensed)$67,9590.01%
249Philadelphia Indemnity Insurance Company18058PAAdmitted (licensed)$59,5550.00%
250Zurich American Insurance Company of Illinois27855ILAdmitted (licensed)$58,1840.00%
251Knight Specialty Insurance Company15366DESurplus lines (eligible)$57,4370.00%
252Atlantic States Insurance Company22586PAAdmitted (licensed)$57,2760.00%
253Acadia Insurance Company31325IAAdmitted (licensed)$55,6100.00%
254NGM Insurance Company14788FLAdmitted (licensed)$54,5640.00%
255Nationwide Mutual Insurance Company10723OHAdmitted (licensed)$54,4710.00%
256Shield Indemnity Incorporated16762OHSurplus lines (eligible)$52,4540.00%
257Firemen's Insurance Company of Washington, D. C.21784IAAdmitted (licensed)$51,0860.00%
258Homeland Insurance Company of Delaware14231DEWrites (premium reported)$50,3440.00%
259Westfield Superior Insurance Company16449OHAdmitted (licensed)$48,9400.00%
260St. Paul Mercury Insurance Company24791CTAdmitted (licensed)$46,0270.00%
261Westfield Champion Insurance Company16447OHAdmitted (licensed)$44,7940.00%
262Union Insurance Company25844IAAdmitted (licensed)$44,0320.00%
263American Fire and Casualty Company24066NHAdmitted (licensed)$40,7580.00%
264Vanliner Insurance Company21172OHAdmitted (licensed)$39,3770.00%
265National Union Fire Insurance Company of Pittsburgh, Pennsylvania19445PAAdmitted (licensed)$39,1610.00%
266Westfield Premier Insurance Company16450OHAdmitted (licensed)$33,2640.00%
267GuideOne Specialty Insurance Company14559IAAdmitted (licensed)$32,6450.00%
268L M Insurance Corporation33600ILAdmitted (licensed)$30,7790.00%
269First Liberty Insurance Corporation (The)33588ILAdmitted (licensed)$26,6950.00%
270General Casualty Company of Wisconsin24414WIAdmitted (licensed)$26,1850.00%
271Pacific Employers Insurance Company22748PAAdmitted (licensed)$25,0010.00%
272Old Guard Insurance Company17558OHAdmitted (licensed)$24,2620.00%
273Nationwide Insurance Company of Florida10948OHAdmitted (licensed)$23,0740.00%
274Valley Forge Insurance Company20508PAAdmitted (licensed)$22,5530.00%
275Amerisure Mutual Insurance Company23396MIAdmitted (licensed)$21,8260.00%
276Independent Mutual Fire Insurance Company29831ILAdmitted (licensed)$20,8000.00%
277United National Insurance Company13064PASurplus lines (eligible)$20,2670.00%
278West American Insurance Company44393INAdmitted (licensed)$20,0800.00%
279Liberty Mutual Insurance Company42404ILAdmitted (licensed)$18,2780.00%
280St. Paul Guardian Insurance Company24775CTAdmitted (licensed)$17,9180.00%
281Standard Fire Insurance Company (The)19070CTAdmitted (licensed)$17,4490.00%
282Homesite Insurance Company17221MAAdmitted (licensed)$16,9130.00%
283Builders Mutual Insurance Company10844NCAdmitted (licensed)$15,3790.00%
284Nationwide General Insurance Company23760OHAdmitted (licensed)$14,2860.00%
285SiriusPoint America Insurance Company38776NYAdmitted (licensed)$13,2850.00%
286Safe Harbor Insurance Company12563FLAdmitted (licensed)$12,7280.00%
287Church Mutual Insurance Company, S. I.18767WIAdmitted (licensed)$11,6290.00%
2881842 Insurance Company16862MDAdmitted (licensed)$11,5980.00%
289Everest Reinsurance (Bermuda) Limited -26921DEAdmitted (licensed)$11,4950.00%
290Farmington Casualty Company41483CTAdmitted (licensed)$11,2240.00%
291Penn-America Insurance Company32859PASurplus lines (eligible)$11,1070.00%
292National Fire Insurance Company of Hartford20478ILAdmitted (licensed)$11,0420.00%
293All America Insurance Company20222OHAdmitted (licensed)$10,1830.00%
294Westchester Fire Insurance Company10030PAAdmitted (licensed)$10,1190.00%
295Imperium Insurance Company35408TXAdmitted (licensed)$9,8610.00%
296Tri-State Insurance Company of Minnesota31003IAAdmitted (licensed)$9,7940.00%
297Penn-Star Insurance Company10673PASurplus lines (eligible)$9,1770.00%
298Indemnity Insurance Company of North America43575PAAdmitted (licensed)$8,9290.00%
299Greenwich Insurance Company22322DEAdmitted (licensed)$7,3950.00%
300Great American Insurance Company16691OHAdmitted (licensed)$7,2770.00%
301Dorinco Reinsurance Company33499MIWrites (premium reported)$7,2490.00%
302Associated Industries Insurance Company, Inc.23140FLSurplus lines (eligible)$6,6020.00%
303American Select Insurance Company19992OHAdmitted (licensed)$6,1080.00%
304American Summit Insurance Company19623TXAdmitted (licensed)$5,9420.00%
305Concert Insurance Company10891ILAdmitted (licensed)$5,9180.00%
306Berkley Assurance Company32603DEAdmitted (licensed)$5,6230.00%
307Westfield Touchstone Insurance Company16448OHAdmitted (licensed)$5,0630.00%
308Sierra Specialty Insurance Company19208TXSurplus lines (eligible)$4,8850.00%
309Falls Lake Fire and Casualty Company15884CASurplus lines (eligible)$4,1120.00%
310American Alternative Insurance Corporation19720DEAdmitted (licensed)$4,0620.00%
311New York Marine and General Insurance Company16608NYAdmitted (licensed)$3,9070.00%
312Graphic Arts Mutual Insurance Company25984NYAdmitted (licensed)$3,8490.00%
313Continental Western Insurance Company10804IAAdmitted (licensed)$3,7360.00%
314New Hampshire Insurance Company23841ILAdmitted (licensed)$3,1250.00%
315Fidelity and Deposit Company of Maryland (The)39306ILAdmitted (licensed)$2,6260.00%
316Amerisure Insurance Company19488MIAdmitted (licensed)$2,5120.00%
317Everett Cash Mutual Insurance Company17043PAAdmitted (licensed)$2,4020.00%
318Wilson Mutual Insurance Company19950OHAdmitted (licensed)$2,1430.00%
319Accelerant National Insurance Company10220ARAdmitted (licensed)$1,8610.00%
320Security National Insurance Company19879DEAdmitted (licensed)$1,4150.00%
321Westfield National Insurance Company24120OHAdmitted (licensed)$1,3740.00%
322|Hudson Excess Insurance Company14484DESurplus lines (eligible)$1,3300.00%
323GuideOne Insurance Company15032IAAdmitted (licensed)$1,1380.00%
324Peninsula Insurance Company (The)14958MDAdmitted (licensed)$8910.00%
325USPlate Glass Insurance Company28497ILAdmitted (licensed)$8010.00%
326BITCO General Insurance Corporation20095IAAdmitted (licensed)$7460.00%
327Everest National Insurance Company10120DEAdmitted (licensed)$7070.00%
328National American Insurance Company23663OKAdmitted (licensed)$5470.00%
329General Insurance Company of America24732NHAdmitted (licensed)$3450.00%
330Nationwide Property and Casualty Insurance Company37877OHAdmitted (licensed)$3320.00%
331American Southern Home Insurance Company41998FLAdmitted (licensed)$2530.00%
332Scottsdale Surplus Lines Insurance Company10672AZSurplus lines (eligible)$2290.00%
333Phenix Mutual Fire Insurance Company23175OHAdmitted (licensed)$1900.00%
334Empire Fire and Marine Insurance Company21326ILAdmitted (licensed)$1490.00%
335Scottsdale Indemnity Company15580OHAdmitted (licensed)$210.00%
336American Family Home Insurance Company23450FLAdmitted (licensed)$200.00%
337Markel American Insurance Company28932VAAdmitted (licensed)$160.00%
338Berkshire Hathaway Specialty Insurance Company22276NEAdmitted (licensed)$70.00%
339Tokio Marine Specialty Insurance Company23850DESurplus lines (eligible)$40.00%
340National Trust Insurance Company20141INAdmitted (licensed)$20.00%
Turned down?

Last resort for commercial property (fire and allied lines) in North Carolina

Last resortLinesWhereHow to get in
Property FAIR Plansdwelling fire, homeowners, commercial propertyCA, CO, CT, IL, IN, IA, KS, KY, MN, MO, OH, OR, PA, TX, WI, WV, LA, DE, DC, GA, HI, MD, MA, MI, NJ, NM, NY, NC, RI, VA, FLEach state's plan; California: broker searches the regular market first, registers on the broker portal (cfpnet.com); a DIC wrap is optionalSource
Beach and windstorm poolswind, homeowners, commercial propertyTX, FL, LA, MS, AL, SC, NCTX TWIA, FL Citizens, LA Citizens, MS Windstorm UA, AL Insurance UA, SC Wind & Hail UA, NC IUA. Each plan's own siteSource
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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