
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
The companies
| # | Company | NAIC | Home state | Status here | Premium | Share |
|---|---|---|---|---|---|---|
| 1 | Factory Mutual Insurance Company | 21482 | RI | Admitted (licensed) | $81.6M | 6.03% |
| 2 | Foremost Insurance Company Grand Rapids, Michigan | 11185 | MI | Admitted (licensed) | $78.9M | 5.84% |
| 3 | Zurich American Insurance Company | 16535 | NY | Admitted (licensed) | $55.6M | 4.11% |
| 4 | Auto-Owners Insurance Company | 18988 | MI | Admitted (licensed) | $51.4M | 3.80% |
| 5 | North Carolina Farm Bur Mut Ins Co | 14842 | NC | Admitted (licensed) | $43.5M | 3.22% |
| 6 | Starr Surplus Lines Insurance Company | 13604 | TX | Surplus lines (eligible) | $43.4M | 3.21% |
| 7 | Standard Guaranty Insurance Company | 42986 | DE | Admitted (licensed) | $39.9M | 2.95% |
| 8 | Travelers Indemnity Company (The) | 25658 | CT | Admitted (licensed) | $37.5M | 2.78% |
| 9 | Cincinnati Insurance Company (The) | 10677 | OH | Admitted (licensed) | $29.4M | 2.18% |
| 10 | United Services Automobile Association, USAA Reciprocal, Attorney-in-fact | 25941 | TX | Admitted (licensed) | $27.3M | 2.02% |
| 11 | First Protective Insurance Company | 10897 | FL | Admitted (licensed) | $24.8M | 1.84% |
| 12 | AIG Specialty Insurance Company | 26883 | IL | Surplus lines (eligible) | $22.8M | 1.69% |
| 13 | Lexington Insurance Company | 19437 | DE | Surplus lines (eligible) | $22.7M | 1.68% |
| 14 | MS Transverse Specialty Insurance Company | 41807 | TX | Surplus lines (eligible) | $22.5M | 1.66% |
| 15 | Selective Insurance Company of America | 12572 | NJ | Admitted (licensed) | $21.1M | 1.56% |
| 16 | American Modern Property and Casualty Insurance Company | 42722 | OH | Admitted (licensed) | $20.8M | 1.54% |
| 17 | Affiliated F M Insurance Company | 10014 | RI | Admitted (licensed) | $20.7M | 1.53% |
| 18 | Employers Insurance Company of Wausau | 21458 | WI | Admitted (licensed) | $19.5M | 1.44% |
| 19 | XL Insurance America, Inc. | 24554 | DE | Admitted (licensed) | $19.3M | 1.43% |
| 20 | Westchester Surplus Lines Insurance Company | 10172 | GA | Surplus lines (eligible) | $18.6M | 1.38% |
| 21 | |Landmark American Insurance Company | 33138 | NH | Surplus lines (eligible) | $18.4M | 1.36% |
| 22 | West Bend Insurance Company | 15350 | WI | Admitted (licensed) | $18.2M | 1.34% |
| 23 | Pennsylvania National Mutual Casualty Insurance Company | 14990 | PA | Admitted (licensed) | $17.1M | 1.26% |
| 24 | Travelers Property Casualty Company of America | 25674 | CT | Admitted (licensed) | $15.8M | 1.17% |
| 25 | Selective Insurance Company of the Southeast | 39926 | IN | Admitted (licensed) | $14.6M | 1.08% |
| 26 | TRAVELERS EXCESS \u0026 SURPLUS LINES COMPANY\ | 29696 | CT | Surplus lines (eligible) | $14.2M | 1.05% |
| 27 | Swiss Re Corporate Solutions Elite Insurance Corporation | 29700 | MO | Admitted (licensed) | $13.4M | 0.99% |
| 28 | Fireman's Fund Insurance Company | 21873 | IL | Admitted (licensed) | $13.3M | 0.98% |
| 29 | Pennsylvania Lumbermen's Mutual Insurance Company | 14974 | PA | Admitted (licensed) | $12.8M | 0.94% |
| 30 | Steadfast Insurance Company | 26387 | IL | Surplus lines (eligible) | $12.7M | 0.94% |
| 31 | NATIONAL FIRE \u0026 MARINE INSURANCE COMPANY\ | 20079 | NE | Surplus lines (eligible) | $12.4M | 0.92% |
| 32 | Endurance American Specialty Insurance Company | 41718 | DE | Surplus lines (eligible) | $12.0M | 0.89% |
| 33 | Allianz Global Risks US Insurance Company | 35300 | IL | Admitted (licensed) | $12.0M | 0.89% |
| 34 | AXIS Surplus Insurance Company | 26620 | IL | Surplus lines (eligible) | $11.9M | 0.88% |
| 35 | Federated Mutual Insurance Company | 13935 | MN | Admitted (licensed) | $11.2M | 0.83% |
| 36 | United States Liability Insurance Company | 25895 | NE | Admitted (licensed) | $10.1M | 0.75% |
| 37 | USAA Casualty Insurance Company | 25968 | TX | Admitted (licensed) | $9.7M | 0.72% |
| 38 | Liberty Mutual Fire Insurance Company | 23035 | WI | Admitted (licensed) | $9.7M | 0.72% |
| 39 | Safeco Insurance Company of America | 24740 | NH | Admitted (licensed) | $9.4M | 0.69% |
| 40 | Columbia Casualty Company | 31127 | IL | Surplus lines (eligible) | $9.1M | 0.68% |
| 41 | Arch Specialty Insurance Company | 21199 | MO | Surplus lines (eligible) | $9.0M | 0.67% |
| 42 | Liberty Mutual Insurance Company | 23043 | MA | Admitted (licensed) | $8.6M | 0.64% |
| 43 | EMPLOYERS MUTUAL CASUALTY COMPANY Employers Mutual Casualty Company) | 21415 | IA | Admitted (licensed) | $8.3M | 0.62% |
| 44 | SureChoice Underwriters Reciprocal Exchange | 17030 | TX | Admitted (licensed) | $8.1M | 0.60% |
| 45 | One Alliance North America Insurance Company | 10759 | TX | Admitted (licensed) | $8.1M | 0.60% |
| 46 | Penn National Security Insurance Company | 32441 | PA | Admitted (licensed) | $7.9M | 0.58% |
| 47 | HDI Global Insurance Company | 41343 | IL | Admitted (licensed) | $7.7M | 0.57% |
| 48 | Nationwide Mutual Insurance Company | 23787 | OH | Admitted (licensed) | $7.6M | 0.56% |
| 49 | Mitsui Sumitomo Insurance Company of America | 20362 | NY | Admitted (licensed) | $7.0M | 0.52% |
| 50 | Hartford Fire Insurance Company | 19682 | CT | Admitted (licensed) | $7.0M | 0.52% |
| 51 | Princeton Excess and Surplus Lines Insurance Company (The) | 10786 | DE | Surplus lines (eligible) | $6.9M | 0.51% |
| 52 | Selective Insurance Company of South Carolina | 19259 | IN | Admitted (licensed) | $6.8M | 0.50% |
| 53 | Obsidian Specialty Insurance Company | 16871 | DE | Surplus lines (eligible) | $6.6M | 0.49% |
| 54 | Verlan Fire Insurance Company | 10815 | NH | Admitted (licensed) | $6.5M | 0.48% |
| 55 | Scottsdale Insurance Company | 41297 | OH | Surplus lines (eligible) | $6.3M | 0.47% |
| 56 | Swiss Re Corporate Solutions Capacity Insurance Corporation | 34916 | MO | Surplus lines (eligible) | $5.9M | 0.44% |
| 57 | Evanston Insurance Company | 35378 | IL | Surplus lines (eligible) | $5.9M | 0.44% |
| 58 | USAA General Indemnity Company | 18600 | TX | Admitted (licensed) | $5.9M | 0.44% |
| 59 | Kinsale Insurance Company | 38920 | AR | Surplus lines (eligible) | $5.6M | 0.42% |
| 60 | Tower Hill Prime Insurance Company | 11027 | FL | Admitted (licensed) | $5.6M | 0.41% |
| 61 | Everest Indemnity Insurance Company | 10851 | DE | Surplus lines (eligible) | $5.5M | 0.41% |
| 62 | Cincinnati Specialty Underwriters Insurance Company (The) | 13037 | DE | Surplus lines (eligible) | $5.0M | 0.37% |
| 63 | StarStone Specialty Insurance Company | 44776 | DE | Surplus lines (eligible) | $4.7M | 0.35% |
| 64 | Sentry Insurance Company | 24988 | WI | Admitted (licensed) | $4.7M | 0.35% |
| 65 | |Houston Casualty Company | 42374 | TX | Surplus lines (eligible) | $4.7M | 0.34% |
| 66 | RSUI Indemnity Company | 22314 | NH | Admitted (licensed) | $4.7M | 0.34% |
| 67 | American Home Assurance Company | 19380 | NY | Admitted (licensed) | $4.6M | 0.34% |
| 68 | Continental Casualty Company | 20443 | IL | Admitted (licensed) | $4.5M | 0.33% |
| 69 | Tokio Marine America Insurance Company | 10945 | NY | Admitted (licensed) | $4.2M | 0.31% |
| 70 | Lititz Mutual Insurance Company | 14400 | PA | Admitted (licensed) | $4.1M | 0.31% |
| 71 | State Automobile Mutual Insurance Company | 25135 | OH | Admitted (licensed) | $4.1M | 0.31% |
| 72 | General Star Indemnity Company | 37362 | DE | Surplus lines (eligible) | $4.1M | 0.31% |
| 73 | Federated Rural Electric Insurance Exchange | 11118 | KS | Admitted (licensed) | $4.1M | 0.31% |
| 74 | |Indian Harbor Insurance Company | 36940 | DE | Surplus lines (eligible) | $4.0M | 0.29% |
| 75 | Beazley Excess and Surplus Insurance, Inc. (C) | 17520 | CT | Surplus lines (eligible) | $3.8M | 0.28% |
| 76 | Hanover Insurance Company (The) | 22292 | NH | Admitted (licensed) | $3.8M | 0.28% |
| 77 | Fortegra Specialty Insurance Company | 16823 | AZ | Surplus lines (eligible) | $3.7M | 0.27% |
| 78 | Northfield Insurance Company | 27987 | IA | Surplus lines (eligible) | $3.6M | 0.27% |
| 79 | Accelerant Specialty Insurance Company | 16890 | AR | Surplus lines (eligible) | $3.6M | 0.26% |
| 80 | Garrison Property and Casualty Insurance Company | 21253 | TX | Admitted (licensed) | $3.6M | 0.26% |
| 81 | Mt. Hawley Insurance Company | 37974 | IL | Surplus lines (eligible) | $3.5M | 0.26% |
| 82 | Cincinnati Indemnity Company (The) | 23280 | OH | Admitted (licensed) | $3.4M | 0.26% |
| 83 | Aspen Specialty Insurance Company | 10717 | ND | Surplus lines (eligible) | $3.0M | 0.22% |
| 84 | Nautilus Insurance Company | 17370 | AZ | Surplus lines (eligible) | $3.0M | 0.22% |
| 85 | Middlesex Insurance Company | 23434 | WI | Admitted (licensed) | $2.9M | 0.21% |
| 86 | EMCASCO Insurance Company | 21407 | IA | Admitted (licensed) | $2.8M | 0.21% |
| 87 | STATE AUTO PROPERTY \u0026 CASUALTY INSURANCE COMPANY | 25127 | IA | Admitted (licensed) | $2.8M | 0.21% |
| 88 | Amherst Specialty Insurance Company | 17565 | TX | Surplus lines (eligible) | $2.8M | 0.20% |
| 89 | Old Republic Union Insurance Company | 31143 | IL | Surplus lines (eligible) | $2.7M | 0.20% |
| 90 | Gotham Insurance Company | 25569 | NY | Surplus lines (eligible) | $2.7M | 0.20% |
| 91 | Westfield Specialty Insurance Company | 16992 | OH | Surplus lines (eligible) | $2.6M | 0.20% |
| 92 | Bridgeway Insurance Company ( Formerly American Modern Surplus Lines Insurance Company | 12489 | DE | Surplus lines (eligible) | $2.6M | 0.19% |
| 93 | Seneca Insurance Company Incorporated | 10936 | NY | Admitted (licensed) | $2.5M | 0.18% |
| 94 | Atlantic Specialty Insurance Company | 27154 | NY | Admitted (licensed) | $2.4M | 0.18% |
| 95 | Federated Reserve Insurance Company | 16024 | MN | Admitted (licensed) | $2.4M | 0.18% |
| 96 | Penn Millers Insurance Company | 14982 | PA | Admitted (licensed) | $2.4M | 0.18% |
| 97 | GREAT AMERICAN E\u0026 S INSURANCE COMPANY\ | 37532 | OH | Surplus lines (eligible) | $2.4M | 0.18% |
| 98 | Davidson County MFIC | 14017 | NC | Admitted (licensed) | $2.4M | 0.18% |
| 99 | Accredited Surety and Casualty Company, Inc. | 26379 | FL | Admitted (licensed) | $2.4M | 0.17% |
| 100 | Berkshire Hathaway Direct Insurance Company | 10391 | NE | Admitted (licensed) | $2.3M | 0.17% |
| 101 | Ace American Insurance Company | 22667 | PA | Admitted (licensed) | $2.3M | 0.17% |
| 102 | National Casualty Company | 11991 | OH | Admitted (licensed) | $2.3M | 0.17% |
| 103 | Covington Specialty Insurance Company | 13027 | NH | Surplus lines (eligible) | $2.3M | 0.17% |
| 104 | North Carolina Grange Mut Ins Co | 16683 | NC | Admitted (licensed) | $2.3M | 0.17% |
| 105 | Allied World Assurance Company (U.S.), Inc. | 19489 | DE | Surplus lines (eligible) | $2.3M | 0.17% |
| 106 | EMC PROPERTY \u0026 CASUALTY COMPANY | 25186 | IA | Admitted (licensed) | $2.2M | 0.16% |
| 107 | |Hadron Specialty Insurance Company | 17534 | AR | Surplus lines (eligible) | $2.2M | 0.16% |
| 108 | Amica Mutual Insurance Company, The | 19976 | RI | Admitted (licensed) | $2.1M | 0.16% |
| 109 | Frontline Insurance Unlimited Company | 10074 | DE | Surplus lines (eligible) | $2.1M | 0.16% |
| 110 | Insurance Company of the State of Pennsylvania (The) | 19429 | IL | Admitted (licensed) | $2.1M | 0.15% |
| 111 | SafePort Insurance Company | 36560 | FL | Admitted (licensed) | $2.1M | 0.15% |
| 112 | |Trisura Specialty Insurance Company | 16188 | OK | Surplus lines (eligible) | $2.0M | 0.15% |
| 113 | QBE Specialty Insurance Company | 11515 | ND | Surplus lines (eligible) | $1.9M | 0.14% |
| 114 | Sompo America Insurance Company | 11126 | NY | Admitted (licensed) | $1.9M | 0.14% |
| 115 | Halifax Mut Ins Co | 44377 | NC | Admitted (licensed) | $1.8M | 0.14% |
| 116 | Owners Insurance Company | 32700 | OH | Admitted (licensed) | $1.8M | 0.13% |
| 117 | Westfield Insurance Company | 24112 | OH | Admitted (licensed) | $1.8M | 0.13% |
| 118 | Homeland Insurance Company of New York | 34452 | NY | Surplus lines (eligible) | $1.8M | 0.13% |
| 119 | Ohio Security Insurance Company | 24082 | NH | Admitted (licensed) | $1.7M | 0.13% |
| 120 | Seneca Specialty Insurance Company, Inc. | 10729 | DE | Surplus lines (eligible) | $1.7M | 0.13% |
| 121 | Arch Insurance (UK) Limited | 11150 | MO | Admitted (licensed) | $1.7M | 0.12% |
| 122 | Heritage Property and Casualty Insurance Company | 14407 | FL | Admitted (licensed) | $1.7M | 0.12% |
| 123 | STARR INDEMNITY \u0026 LIABILITY COMPANY | 38318 | TX | Admitted (licensed) | $1.5M | 0.11% |
| 124 | Central Insurance Company | 20230 | OH | Admitted (licensed) | $1.5M | 0.11% |
| 125 | Union Insurance Company of Providence | 21423 | IA | Admitted (licensed) | $1.4M | 0.11% |
| 126 | Ironshore Specialty Insurance Company | 25445 | AZ | Surplus lines (eligible) | $1.4M | 0.10% |
| 127 | Charter Oak Fire Insurance Company, (The) | 25615 | CT | Admitted (licensed) | $1.4M | 0.10% |
| 128 | Automobile Insurance Company of Hartford, Connecticut (The) | 19062 | CT | Admitted (licensed) | $1.4M | 0.10% |
| 129 | American Modern Home Insurance Company | 23469 | OH | Admitted (licensed) | $1.4M | 0.10% |
| 130 | Summit Specialty Insurance Company | 16889 | NE | Surplus lines (eligible) | $1.3M | 0.10% |
| 131 | Houston Specialty Insurance Company | 12936 | TX | Surplus lines (eligible) | $1.2M | 0.09% |
| 132 | Mesa Underwriters Specialty Insurance Company | 36838 | NJ | Surplus lines (eligible) | $1.2M | 0.09% |
| 133 | SOMPO AMERICA FIRE \u0026 MARINE INSURANCE COMPANY | 38997 | NY | Admitted (licensed) | $1.2M | 0.09% |
| 134 | Federated Service Insurance Company | 28304 | MN | Admitted (licensed) | $1.1M | 0.08% |
| 135 | Cincinnati Casualty Company (The) | 28665 | OH | Admitted (licensed) | $1.1M | 0.08% |
| 136 | Phoenix Insurance Company, (The) | 25623 | CT | Admitted (licensed) | $1.1M | 0.08% |
| 137 | Canopius US Insurance, Inc. | 12961 | DE | Surplus lines (eligible) | $1.1M | 0.08% |
| 138 | |Mount Vernon Fire Insurance Company | 26522 | PA | Surplus lines (eligible) | $1.1M | 0.08% |
| 139 | Fireman's Fund Indemnity Corporation | 11380 | NJ | Surplus lines (eligible) | $1.0M | 0.08% |
| 140 | Sutton Specialty Insurance Company | 16848 | OK | Surplus lines (eligible) | $1.0M | 0.08% |
| 141 | Ategrity Specialty Insurance Company | 16427 | DE | Surplus lines (eligible) | $973,949 | 0.07% |
| 142 | Ascot Specialty Insurance Company | 45055 | RI | Surplus lines (eligible) | $925,479 | 0.07% |
| 143 | Western World Insurance Company, Inc. | 13196 | NH | Surplus lines (eligible) | $905,061 | 0.07% |
| 144 | UNIVERSAL PROPERTY \u0026 CASUALTY INSURANCE COMPANY | 10861 | FL | Admitted (licensed) | $896,409 | 0.07% |
| 145 | Federal Insurance Company | 20281 | IN | Admitted (licensed) | $890,414 | 0.07% |
| 146 | Sentry Select Insurance Company | 21180 | WI | Admitted (licensed) | $889,234 | 0.07% |
| 147 | Mitsui Sumitomo Insurance USA Inc. | 22551 | NY | Admitted (licensed) | $888,637 | 0.07% |
| 148 | Piedmont Mut Ins Co | 17335 | NC | Admitted (licensed) | $873,309 | 0.06% |
| 149 | Republic - Vanguard Insurance Company | 40479 | AZ | Surplus lines (eligible) | $868,178 | 0.06% |
| 150 | American National Lloyds Insurance Company | 10043 | TX | Surplus lines (eligible) | $837,528 | 0.06% |
| 151 | CUMIS Specialty Insurance Company, Inc. | 12758 | IA | Surplus lines (eligible) | $833,771 | 0.06% |
| 152 | Emerald Bay Specialty Insurance Company | 17527 | AZ | Surplus lines (eligible) | $801,837 | 0.06% |
| 153 | Illinois Union Insurance Company | 27960 | IL | Surplus lines (eligible) | $797,162 | 0.06% |
| 154 | Horace Mann Insurance Company | 22578 | IL | Admitted (licensed) | $794,662 | 0.06% |
| 155 | Berkley National Insurance Company | 38911 | IA | Admitted (licensed) | $781,828 | 0.06% |
| 156 | Swiss Re Corporate Solutions America Insurance Corporation | 29874 | MO | Admitted (licensed) | $781,086 | 0.06% |
| 157 | North River Insurance Company (The) | 21105 | NJ | Admitted (licensed) | $779,087 | 0.06% |
| 158 | Harleysville Insurance Company of New York | 10674 | OH | Surplus lines (eligible) | $759,474 | 0.06% |
| 159 | Palomar Excess and Surplus Insurance Company | 16754 | AZ | Surplus lines (eligible) | $728,929 | 0.05% |
| 160 | Rowan MFIC | 14022 | NC | Admitted (licensed) | $728,327 | 0.05% |
| 161 | Hanover American Insurance Company (The) | 36064 | NH | Admitted (licensed) | $708,999 | 0.05% |
| 162 | Next Insurance US Company | 16285 | DE | Admitted (licensed) | $706,046 | 0.05% |
| 163 | Utica Mutual Insurance Company | 25976 | NY | Admitted (licensed) | $700,694 | 0.05% |
| 164 | CRUM \u0026 FORSTER SPECIALTY INSURANCE COMPANY\ | 44520 | DE | Surplus lines (eligible) | $682,185 | 0.05% |
| 165 | MSIG Specialty Insurance USA Inc. | 34886 | NY | Surplus lines (eligible) | $666,894 | 0.05% |
| 166 | American Guarantee and Liability Insurance Company | 26247 | NY | Admitted (licensed) | $654,695 | 0.05% |
| 167 | Berkley Regional Insurance Company | 29580 | IA | Admitted (licensed) | $644,087 | 0.05% |
| 168 | Dellwood Specialty Insurance Company | 17332 | AZ | Surplus lines (eligible) | $626,413 | 0.05% |
| 169 | GuideOne National Insurance Company | 14167 | IA | Surplus lines (eligible) | $601,850 | 0.04% |
| 170 | Prime Insurance Company | 12588 | IL | Surplus lines (eligible) | $600,102 | 0.04% |
| 171 | Travelers Indemnity Company of America (The) | 25666 | CT | Admitted (licensed) | $596,852 | 0.04% |
| 172 | Nationwide Agribusiness Insurance Company | 28223 | IA | Admitted (licensed) | $591,184 | 0.04% |
| 173 | Frankenmuth Insurance Company | 13986 | MI | Admitted (licensed) | $561,370 | 0.04% |
| 174 | Maxum Indemnity Company | 26743 | CT | Surplus lines (eligible) | $537,996 | 0.04% |
| 175 | Farmers MFIC of Cleveland | 14019 | NC | Admitted (licensed) | $518,712 | 0.04% |
| 176 | AIX Specialty Insurance Company | 12833 | DE | Surplus lines (eligible) | $504,923 | 0.04% |
| 177 | Farmers MIC of Granville | 13975 | NC | Admitted (licensed) | $498,478 | 0.04% |
| 178 | Clear Blue Specialty Insurance Company | 37745 | TX | Surplus lines (eligible) | $485,008 | 0.04% |
| 179 | CM Vantage Specialty Insurance Company | 15872 | WI | Surplus lines (eligible) | $480,462 | 0.04% |
| 180 | Spinnaker Specialty Insurance Company | 17045 | TX | Surplus lines (eligible) | $471,719 | 0.03% |
| 181 | Century Surety Company | 36951 | OH | Surplus lines (eligible) | $469,090 | 0.03% |
| 182 | AXIS Insurance Company | 37273 | IL | Admitted (licensed) | $465,512 | 0.03% |
| 183 | Nationwide Affinity Insurance Company of America | 26093 | OH | Admitted (licensed) | $462,008 | 0.03% |
| 184 | Berkley Specialty Insurance Company | 31295 | DE | Surplus lines (eligible) | $452,804 | 0.03% |
| 185 | Falls Lake National Insurance Company | 31925 | OH | Admitted (licensed) | $447,734 | 0.03% |
| 186 | QBE Insurance (Europe) Limited | 39217 | PA | Admitted (licensed) | $433,205 | 0.03% |
| 187 | Massachusetts Bay Insurance Company | 22306 | NH | Admitted (licensed) | $401,566 | 0.03% |
| 188 | Transportation Insurance Company | 20494 | IL | Admitted (licensed) | $392,501 | 0.03% |
| 189 | Richmond National Insurance Company | 17103 | NH | Surplus lines (eligible) | $383,233 | 0.03% |
| 190 | Carolina Farmers Mut Ins Co | 10720 | NC | Admitted (licensed) | $381,816 | 0.03% |
| 191 | Voyager Indemnity Insurance Company | 40428 | GA | Surplus lines (eligible) | $371,692 | 0.03% |
| 192 | FCCI Insurance Company | 10178 | FL | Admitted (licensed) | $366,717 | 0.03% |
| 193 | Travelers Indemnity Company of Connecticut (The) | 25682 | CT | Admitted (licensed) | $364,525 | 0.03% |
| 194 | INTERSTATE FIRE \u0026 CASUALTY COMPANY\ | 22829 | IL | Surplus lines (eligible) | $343,437 | 0.03% |
| 195 | Golden Bear Insurance Company | 39861 | CA | Surplus lines (eligible) | $342,248 | 0.03% |
| 196 | American Zurich Insurance Company | 40142 | IL | Admitted (licensed) | $338,946 | 0.03% |
| 197 | Great American Fidelity Insurance Company | 41858 | OH | Surplus lines (eligible) | $325,809 | 0.02% |
| 198 | Vantage Risk Specialty Insurance Company | 16275 | DE | Surplus lines (eligible) | $316,658 | 0.02% |
| 199 | Monroe Guaranty Insurance Company | 32506 | IN | Admitted (licensed) | $313,665 | 0.02% |
| 200 | Southlake Specialty Insurance Company | 16999 | TX | Surplus lines (eligible) | $293,628 | 0.02% |
| 201 | United Specialty Insurance Company | 12537 | TX | Surplus lines (eligible) | $291,079 | 0.02% |
| 202 | Century Mut Ins Co | 13725 | NC | Admitted (licensed) | $289,874 | 0.02% |
| 203 | Fidelity and Guaranty Insurance Company | 35386 | IA | Admitted (licensed) | $283,264 | 0.02% |
| 204 | Colony Insurance Company | 39993 | NE | Surplus lines (eligible) | $273,373 | 0.02% |
| 205 | St. Paul Fire and Marine Insurance Company | 24767 | CT | Admitted (licensed) | $268,691 | 0.02% |
| 206 | Hospitality Insurance Company | 14027 | CT | Admitted (licensed) | $267,776 | 0.02% |
| 207 | American Strategic Insurance Corporation | 10872 | IN | Admitted (licensed) | $265,617 | 0.02% |
| 208 | Citizens Insurance Company of America | 31534 | MI | Admitted (licensed) | $252,404 | 0.02% |
| 209 | Victor Insurance Exchange | 17499 | DE | Surplus lines (eligible) | $247,811 | 0.02% |
| 210 | Acceptance Indemnity Insurance Company | 20010 | NE | Surplus lines (eligible) | $246,990 | 0.02% |
| 211 | Armed Forces Insurance Exchange | 41459 | KS | Admitted (licensed) | $245,609 | 0.02% |
| 212 | Northwest Farmers Mut Ins Co | 14021 | NC | Admitted (licensed) | $237,388 | 0.02% |
| 213 | TransGuard Insurance Company of America, Inc. | 28886 | IL | Admitted (licensed) | $235,918 | 0.02% |
| 214 | Continental Insurance Company, (The) | 35289 | PA | Admitted (licensed) | $234,908 | 0.02% |
| 215 | Erie Insurance Exchange | 26271 | PA | Admitted (licensed) | $222,514 | 0.02% |
| 216 | United Casualty Insurance Company of America | 11142 | MO | Admitted (licensed) | $211,343 | 0.02% |
| 217 | James River Insurance Company | 12203 | OH | Surplus lines (eligible) | $207,716 | 0.02% |
| 218 | Markel Insurance Company | 38970 | IL | Admitted (licensed) | $177,333 | 0.01% |
| 219 | Harford Mutual Insurance Company | 14141 | MD | Admitted (licensed) | $176,661 | 0.01% |
| 220 | American Casualty Company of Reading, Pennsylvania | 20427 | PA | Admitted (licensed) | $175,861 | 0.01% |
| 221 | Wesco Insurance Company | 25011 | DE | Admitted (licensed) | $174,181 | 0.01% |
| 222 | XL Specialty Insurance Company | 37885 | DE | Admitted (licensed) | $174,166 | 0.01% |
| 223 | Atain Specialty Insurance Company | 17159 | MI | Surplus lines (eligible) | $173,863 | 0.01% |
| 224 | Superior Specialty Insurance Company (SSIC) | 16551 | TX | Surplus lines (eligible) | $163,737 | 0.01% |
| 225 | Cumis Insurance Society Incorporated | 10847 | IA | Admitted (licensed) | $163,262 | 0.01% |
| 226 | Liberty Surplus Insurance Corporation | 10725 | NH | Surplus lines (eligible) | $159,976 | 0.01% |
| 227 | AZGUARD Insurance Company | 16495 | NE | Surplus lines (eligible) | $159,213 | 0.01% |
| 228 | Intrepid Insurance Company | 10749 | IA | Admitted (licensed) | $143,532 | 0.01% |
| 229 | Colony Specialty Insurance Company | 36927 | NE | Admitted (licensed) | $142,856 | 0.01% |
| 230 | Southern Insurance Company of Virginia | 26867 | VA | Admitted (licensed) | $135,918 | 0.01% |
| 231 | Orion 180 Insurance Company | 17320 | IN | Surplus lines (eligible) | $135,068 | 0.01% |
| 232 | Allmerica Financial Benefit Insurance Company | 41840 | MI | Admitted (licensed) | $134,000 | 0.01% |
| 233 | Alamance Farmers Mut Ins Co | 13190 | NC | Admitted (licensed) | $124,112 | 0.01% |
| 234 | Accredited Specialty Insurance Company (C) | 16835 | AZ | Surplus lines (eligible) | $123,030 | 0.01% |
| 235 | Motors Insurance Corporation | 22012 | MI | Admitted (licensed) | $121,829 | 0.01% |
| 236 | Ohio Casualty Insurance Company (The) | 24074 | NH | Admitted (licensed) | $107,256 | 0.01% |
| 237 | Hiscox Insurance Company (Bermuda), Ltd. | 10200 | IL | Admitted (licensed) | $101,196 | 0.01% |
| 238 | Allied Trust Insurance Company | 15816 | TX | Admitted (licensed) | $99,112 | 0.01% |
| 239 | United States Fire Insurance Company | 21113 | DE | Admitted (licensed) | $97,513 | 0.01% |
| 240 | Great American Risk Solutions Surplus Lines Insurance Company | 35351 | OH | Surplus lines (eligible) | $91,773 | 0.01% |
| 241 | Donegal Mutual Insurance Company | 13692 | PA | Admitted (licensed) | $88,457 | 0.01% |
| 242 | Great American Assurance Company | 26344 | OH | Admitted (licensed) | $88,358 | 0.01% |
| 243 | AmGUARD Insurance Company | 42390 | NE | Admitted (licensed) | $88,007 | 0.01% |
| 244 | Motorists Commercial Mutual Insurance Company | 13331 | OH | Admitted (licensed) | $75,093 | 0.01% |
| 245 | Keystone National Insurance Company | 12199 | PA | Admitted (licensed) | $72,568 | 0.01% |
| 246 | NATIONAL LIABILITY \u0026 FIRE INSURANCE COMPANY | 20052 | CT | Admitted (licensed) | $71,734 | 0.01% |
| 247 | Granite State Insurance Company | 23809 | IL | Admitted (licensed) | $70,299 | 0.01% |
| 248 | StarNet Insurance Company | 40045 | IA | Admitted (licensed) | $67,959 | 0.01% |
| 249 | Philadelphia Indemnity Insurance Company | 18058 | PA | Admitted (licensed) | $59,555 | 0.00% |
| 250 | Zurich American Insurance Company of Illinois | 27855 | IL | Admitted (licensed) | $58,184 | 0.00% |
| 251 | Knight Specialty Insurance Company | 15366 | DE | Surplus lines (eligible) | $57,437 | 0.00% |
| 252 | Atlantic States Insurance Company | 22586 | PA | Admitted (licensed) | $57,276 | 0.00% |
| 253 | Acadia Insurance Company | 31325 | IA | Admitted (licensed) | $55,610 | 0.00% |
| 254 | NGM Insurance Company | 14788 | FL | Admitted (licensed) | $54,564 | 0.00% |
| 255 | Nationwide Mutual Insurance Company | 10723 | OH | Admitted (licensed) | $54,471 | 0.00% |
| 256 | Shield Indemnity Incorporated | 16762 | OH | Surplus lines (eligible) | $52,454 | 0.00% |
| 257 | Firemen's Insurance Company of Washington, D. C. | 21784 | IA | Admitted (licensed) | $51,086 | 0.00% |
| 258 | Homeland Insurance Company of Delaware | 14231 | DE | Writes (premium reported) | $50,344 | 0.00% |
| 259 | Westfield Superior Insurance Company | 16449 | OH | Admitted (licensed) | $48,940 | 0.00% |
| 260 | St. Paul Mercury Insurance Company | 24791 | CT | Admitted (licensed) | $46,027 | 0.00% |
| 261 | Westfield Champion Insurance Company | 16447 | OH | Admitted (licensed) | $44,794 | 0.00% |
| 262 | Union Insurance Company | 25844 | IA | Admitted (licensed) | $44,032 | 0.00% |
| 263 | American Fire and Casualty Company | 24066 | NH | Admitted (licensed) | $40,758 | 0.00% |
| 264 | Vanliner Insurance Company | 21172 | OH | Admitted (licensed) | $39,377 | 0.00% |
| 265 | National Union Fire Insurance Company of Pittsburgh, Pennsylvania | 19445 | PA | Admitted (licensed) | $39,161 | 0.00% |
| 266 | Westfield Premier Insurance Company | 16450 | OH | Admitted (licensed) | $33,264 | 0.00% |
| 267 | GuideOne Specialty Insurance Company | 14559 | IA | Admitted (licensed) | $32,645 | 0.00% |
| 268 | L M Insurance Corporation | 33600 | IL | Admitted (licensed) | $30,779 | 0.00% |
| 269 | First Liberty Insurance Corporation (The) | 33588 | IL | Admitted (licensed) | $26,695 | 0.00% |
| 270 | General Casualty Company of Wisconsin | 24414 | WI | Admitted (licensed) | $26,185 | 0.00% |
| 271 | Pacific Employers Insurance Company | 22748 | PA | Admitted (licensed) | $25,001 | 0.00% |
| 272 | Old Guard Insurance Company | 17558 | OH | Admitted (licensed) | $24,262 | 0.00% |
| 273 | Nationwide Insurance Company of Florida | 10948 | OH | Admitted (licensed) | $23,074 | 0.00% |
| 274 | Valley Forge Insurance Company | 20508 | PA | Admitted (licensed) | $22,553 | 0.00% |
| 275 | Amerisure Mutual Insurance Company | 23396 | MI | Admitted (licensed) | $21,826 | 0.00% |
| 276 | Independent Mutual Fire Insurance Company | 29831 | IL | Admitted (licensed) | $20,800 | 0.00% |
| 277 | United National Insurance Company | 13064 | PA | Surplus lines (eligible) | $20,267 | 0.00% |
| 278 | West American Insurance Company | 44393 | IN | Admitted (licensed) | $20,080 | 0.00% |
| 279 | Liberty Mutual Insurance Company | 42404 | IL | Admitted (licensed) | $18,278 | 0.00% |
| 280 | St. Paul Guardian Insurance Company | 24775 | CT | Admitted (licensed) | $17,918 | 0.00% |
| 281 | Standard Fire Insurance Company (The) | 19070 | CT | Admitted (licensed) | $17,449 | 0.00% |
| 282 | Homesite Insurance Company | 17221 | MA | Admitted (licensed) | $16,913 | 0.00% |
| 283 | Builders Mutual Insurance Company | 10844 | NC | Admitted (licensed) | $15,379 | 0.00% |
| 284 | Nationwide General Insurance Company | 23760 | OH | Admitted (licensed) | $14,286 | 0.00% |
| 285 | SiriusPoint America Insurance Company | 38776 | NY | Admitted (licensed) | $13,285 | 0.00% |
| 286 | Safe Harbor Insurance Company | 12563 | FL | Admitted (licensed) | $12,728 | 0.00% |
| 287 | Church Mutual Insurance Company, S. I. | 18767 | WI | Admitted (licensed) | $11,629 | 0.00% |
| 288 | 1842 Insurance Company | 16862 | MD | Admitted (licensed) | $11,598 | 0.00% |
| 289 | Everest Reinsurance (Bermuda) Limited - | 26921 | DE | Admitted (licensed) | $11,495 | 0.00% |
| 290 | Farmington Casualty Company | 41483 | CT | Admitted (licensed) | $11,224 | 0.00% |
| 291 | Penn-America Insurance Company | 32859 | PA | Surplus lines (eligible) | $11,107 | 0.00% |
| 292 | National Fire Insurance Company of Hartford | 20478 | IL | Admitted (licensed) | $11,042 | 0.00% |
| 293 | All America Insurance Company | 20222 | OH | Admitted (licensed) | $10,183 | 0.00% |
| 294 | Westchester Fire Insurance Company | 10030 | PA | Admitted (licensed) | $10,119 | 0.00% |
| 295 | Imperium Insurance Company | 35408 | TX | Admitted (licensed) | $9,861 | 0.00% |
| 296 | Tri-State Insurance Company of Minnesota | 31003 | IA | Admitted (licensed) | $9,794 | 0.00% |
| 297 | Penn-Star Insurance Company | 10673 | PA | Surplus lines (eligible) | $9,177 | 0.00% |
| 298 | Indemnity Insurance Company of North America | 43575 | PA | Admitted (licensed) | $8,929 | 0.00% |
| 299 | Greenwich Insurance Company | 22322 | DE | Admitted (licensed) | $7,395 | 0.00% |
| 300 | Great American Insurance Company | 16691 | OH | Admitted (licensed) | $7,277 | 0.00% |
| 301 | Dorinco Reinsurance Company | 33499 | MI | Writes (premium reported) | $7,249 | 0.00% |
| 302 | Associated Industries Insurance Company, Inc. | 23140 | FL | Surplus lines (eligible) | $6,602 | 0.00% |
| 303 | American Select Insurance Company | 19992 | OH | Admitted (licensed) | $6,108 | 0.00% |
| 304 | American Summit Insurance Company | 19623 | TX | Admitted (licensed) | $5,942 | 0.00% |
| 305 | Concert Insurance Company | 10891 | IL | Admitted (licensed) | $5,918 | 0.00% |
| 306 | Berkley Assurance Company | 32603 | DE | Admitted (licensed) | $5,623 | 0.00% |
| 307 | Westfield Touchstone Insurance Company | 16448 | OH | Admitted (licensed) | $5,063 | 0.00% |
| 308 | Sierra Specialty Insurance Company | 19208 | TX | Surplus lines (eligible) | $4,885 | 0.00% |
| 309 | Falls Lake Fire and Casualty Company | 15884 | CA | Surplus lines (eligible) | $4,112 | 0.00% |
| 310 | American Alternative Insurance Corporation | 19720 | DE | Admitted (licensed) | $4,062 | 0.00% |
| 311 | New York Marine and General Insurance Company | 16608 | NY | Admitted (licensed) | $3,907 | 0.00% |
| 312 | Graphic Arts Mutual Insurance Company | 25984 | NY | Admitted (licensed) | $3,849 | 0.00% |
| 313 | Continental Western Insurance Company | 10804 | IA | Admitted (licensed) | $3,736 | 0.00% |
| 314 | New Hampshire Insurance Company | 23841 | IL | Admitted (licensed) | $3,125 | 0.00% |
| 315 | Fidelity and Deposit Company of Maryland (The) | 39306 | IL | Admitted (licensed) | $2,626 | 0.00% |
| 316 | Amerisure Insurance Company | 19488 | MI | Admitted (licensed) | $2,512 | 0.00% |
| 317 | Everett Cash Mutual Insurance Company | 17043 | PA | Admitted (licensed) | $2,402 | 0.00% |
| 318 | Wilson Mutual Insurance Company | 19950 | OH | Admitted (licensed) | $2,143 | 0.00% |
| 319 | Accelerant National Insurance Company | 10220 | AR | Admitted (licensed) | $1,861 | 0.00% |
| 320 | Security National Insurance Company | 19879 | DE | Admitted (licensed) | $1,415 | 0.00% |
| 321 | Westfield National Insurance Company | 24120 | OH | Admitted (licensed) | $1,374 | 0.00% |
| 322 | |Hudson Excess Insurance Company | 14484 | DE | Surplus lines (eligible) | $1,330 | 0.00% |
| 323 | GuideOne Insurance Company | 15032 | IA | Admitted (licensed) | $1,138 | 0.00% |
| 324 | Peninsula Insurance Company (The) | 14958 | MD | Admitted (licensed) | $891 | 0.00% |
| 325 | USPlate Glass Insurance Company | 28497 | IL | Admitted (licensed) | $801 | 0.00% |
| 326 | BITCO General Insurance Corporation | 20095 | IA | Admitted (licensed) | $746 | 0.00% |
| 327 | Everest National Insurance Company | 10120 | DE | Admitted (licensed) | $707 | 0.00% |
| 328 | National American Insurance Company | 23663 | OK | Admitted (licensed) | $547 | 0.00% |
| 329 | General Insurance Company of America | 24732 | NH | Admitted (licensed) | $345 | 0.00% |
| 330 | Nationwide Property and Casualty Insurance Company | 37877 | OH | Admitted (licensed) | $332 | 0.00% |
| 331 | American Southern Home Insurance Company | 41998 | FL | Admitted (licensed) | $253 | 0.00% |
| 332 | Scottsdale Surplus Lines Insurance Company | 10672 | AZ | Surplus lines (eligible) | $229 | 0.00% |
| 333 | Phenix Mutual Fire Insurance Company | 23175 | OH | Admitted (licensed) | $190 | 0.00% |
| 334 | Empire Fire and Marine Insurance Company | 21326 | IL | Admitted (licensed) | $149 | 0.00% |
| 335 | Scottsdale Indemnity Company | 15580 | OH | Admitted (licensed) | $21 | 0.00% |
| 336 | American Family Home Insurance Company | 23450 | FL | Admitted (licensed) | $20 | 0.00% |
| 337 | Markel American Insurance Company | 28932 | VA | Admitted (licensed) | $16 | 0.00% |
| 338 | Berkshire Hathaway Specialty Insurance Company | 22276 | NE | Admitted (licensed) | $7 | 0.00% |
| 339 | Tokio Marine Specialty Insurance Company | 23850 | DE | Surplus lines (eligible) | $4 | 0.00% |
| 340 | National Trust Insurance Company | 20141 | IN | Admitted (licensed) | $2 | 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.
Open to use. Cite "Alishahi Insurance insurance company directory" and link here. CSV · JSON.
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