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Directory · North Carolina · Workers' compensation

Who writes workers' compensation in North Carolina

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

347 companies wrote workers' compensation in North Carolina in 2025, $1.51B in direct premium. Builders Mutual Insurance Company led with 5.0%; the top five hold 16%. 357 companies are licensed for the line.

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

Top 10 · NAIC table: 16 - Workers Compensation

The insurer groups that write the most workers' compensation 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
1Hartford Fire & Casualty Group$113.3M7.53%17%Hartford Fire Insurance Company, Hartford Underwriters Insurance Company, Hartford Casualty Insurance Company, Twin City Fire Insurance Company (The)
2Travelers Group$111.5M7.41%30%Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
3Builders Group$94.2M6.26%40%Builders Mutual Insurance Company, Builders Premier Insurance Company, Builders Alliance Insurance Company
4Bcbs of Mi Group$93.0M6.18%69%Accident Fund Insurance Company of America, Star Insurance Company, Compwest Insurance Company, Accident Fund General Insurance Company
5Liberty Mutual Group$74.9M4.98%2%Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
6American Financial Group$62.8M4.17%46%Great American Insurance Company, Great American Assurance Company, National Interstate Insurance Company, Great American Alliance Insurance Company
7Zurich Insurance Group$61.0M4.05%39%Zurich American Insurance Company, Rural Community Insurance Company, American Zurich Insurance Company, American Guarantee and Liability Insurance Company
8Amtrust Financial Serv Group$58.0M3.85%42%Wesco Insurance Company, Technology Insurance Company, Inc., Security National Insurance Company, AmTrust Insurance Company
9Berkshire Hathaway Group$55.4M3.68%51%GEICO General Insurance Company, GEICO Texas County Mutual Insurance Company, GEICO County Mutual Insurance Company, Government Employees Insurance Company
10Chubb Ltd Group$54.6M3.63%21%Federal Insurance Company, Ace American Insurance Company, Ace Property and Casualty Insurance Company, Chubb Lloyd's Insurance Company of Texas
Workers' compensation · North Carolina

The companies

#CompanyNAICHome stateStatus herePremiumShare
1Builders Mutual Insurance Company10844NCAdmitted (licensed)$76.0M5.05%
2Zurich American Insurance Company16535NYAdmitted (licensed)$43.3M2.88%
3Accident Fund Insurance Company of America10166MIAdmitted (licensed)$41.5M2.76%
4Hartford Underwriters Insurance Company30104CTAdmitted (licensed)$40.1M2.66%
5Bridgefield Casualty Insurance Company10335FLAdmitted (licensed)$39.4M2.62%
6L M Insurance Corporation33600ILAdmitted (licensed)$36.8M2.45%
7Travelers Property Casualty Company of America25674CTAdmitted (licensed)$33.8M2.24%
8Accident Fund General Insurance Company12304MIAdmitted (licensed)$26.2M1.74%
9Erie Insurance Exchange26271PAAdmitted (licensed)$25.5M1.70%
10Carolina Mutual Insurance, Inc.14090NCAdmitted (licensed)$25.3M1.68%
11North Carolina Farm Bur Mut Ins Co14842NCAdmitted (licensed)$22.8M1.51%
12Builders Premier Insurance Company13036NCAdmitted (licensed)$18.2M1.21%
13BusinessFirst Insurance Company11697FLAdmitted (licensed)$18.0M1.19%
14Wesco Insurance Company25011DEAdmitted (licensed)$17.9M1.19%
15Insurance Company of the West27847CAAdmitted (licensed)$17.3M1.15%
16Carolina Casualty Insurance Company10510IAAdmitted (licensed)$17.2M1.14%
17AmGUARD Insurance Company42390NEAdmitted (licensed)$17.1M1.14%
18Old Republic Insurance Company24147PAAdmitted (licensed)$16.9M1.12%
19Technology Insurance Company, Inc.42376DEAdmitted (licensed)$16.4M1.09%
20Ace American Insurance Company22667PAAdmitted (licensed)$16.2M1.07%
21American Zurich Insurance Company40142ILAdmitted (licensed)$15.9M1.06%
22Allied Eastern Indemnity Company11242PAAdmitted (licensed)$15.6M1.04%
23Indemnity Insurance Company of North America43575PAAdmitted (licensed)$15.5M1.03%
24Federated Mutual Insurance Company13935MNAdmitted (licensed)$15.3M1.01%
25Arch Insurance (UK) Limited11150MOAdmitted (licensed)$14.9M0.99%
26Travelers Casualty Company of Connecticut36170CTAdmitted (licensed)$14.7M0.98%
27United Wisconsin Insurance Company29157WIAdmitted (licensed)$14.5M0.96%
28National Union Fire Insurance Company of Pittsburgh, Pennsylvania19445PAAdmitted (licensed)$13.1M0.87%
29Security National Insurance Company19879DEAdmitted (licensed)$12.2M0.81%
30First Benefits Insurance Company, Inc.13098NCAdmitted (licensed)$12.2M0.81%
31Great American Alliance Insurance Company26832OHAdmitted (licensed)$11.7M0.78%
32NATIONAL LIABILITY \u0026 FIRE INSURANCE COMPANY20052CTAdmitted (licensed)$11.6M0.77%
33Pie Insurance Company, (The)21857OHAdmitted (licensed)$10.5M0.70%
34American Interstate Insurance Company31895NEAdmitted (licensed)$10.2M0.68%
35AIU Insurance Company19399NYAdmitted (licensed)$10.2M0.68%
36Farmington Casualty Company41483CTAdmitted (licensed)$10.2M0.68%
37Accident Fund National Insurance Company12305MIAdmitted (licensed)$10.1M0.67%
38Flagship City Insurance Company35585PAAdmitted (licensed)$10.1M0.67%
39American Casualty Company of Reading, Pennsylvania20427PAAdmitted (licensed)$9.6M0.63%
40Frankenmuth Insurance Company13986MIAdmitted (licensed)$9.3M0.62%
41Trumbull Insurance Company27120CTAdmitted (licensed)$9.3M0.62%
42Twin City Fire Insurance Company (The)29459INAdmitted (licensed)$9.2M0.61%
43Ohio Security Insurance Company24082NHAdmitted (licensed)$9.0M0.60%
44West Bend Insurance Company15350WIAdmitted (licensed)$9.0M0.59%
45PinnaclePoint Insurance Company15137WVAdmitted (licensed)$8.9M0.59%
46Hartford Casualty Insurance Company29424INAdmitted (licensed)$8.7M0.58%
47Erie Insurance Company of New York16233NYAdmitted (licensed)$8.4M0.56%
48AmFed Causualty Insurance Company11963MSAdmitted (licensed)$8.4M0.56%
49Owners Insurance Company32700OHAdmitted (licensed)$8.3M0.55%
50Employers Insurance Company of Wausau21458WIAdmitted (licensed)$8.3M0.55%
51Travelers Indemnity Company of America (The)25666CTAdmitted (licensed)$8.2M0.55%
52Prescient National Insurance Company12773NCAdmitted (licensed)$8.2M0.55%
53Hartford Insurance Company of the Midwest37478INAdmitted (licensed)$8.1M0.54%
54State Farm Fire and Casualty Company25143ILAdmitted (licensed)$8.1M0.54%
55Charter Oak Fire Insurance Company, (The)25615CTAdmitted (licensed)$7.9M0.52%
56Hartford Fire Insurance Company19682CTAdmitted (licensed)$7.9M0.52%
57STARR INDEMNITY \u0026 LIABILITY COMPANY38318TXAdmitted (licensed)$7.9M0.52%
58Travelers Casualty and Surety Company19038CTAdmitted (licensed)$7.8M0.52%
59Federal Insurance Company20281INAdmitted (licensed)$7.6M0.51%
60Liberty Mutual Insurance Company42404ILAdmitted (licensed)$7.5M0.50%
61Employers Preferred Insurance Company10346FLAdmitted (licensed)$7.5M0.50%
62Hartford Accident and Indemnity Company22357CTAdmitted (licensed)$7.4M0.49%
63Property and Casualty Insurance Company of Hartford34690INAdmitted (licensed)$7.4M0.49%
64Benchmark Insurance Company41394KSAdmitted (licensed)$7.3M0.49%
65Cincinnati Indemnity Company (The)23280OHAdmitted (licensed)$7.3M0.48%
66Key Risk Insurance Company10885IAAdmitted (licensed)$7.1M0.47%
67Pie Casualty Insurance Company10997ILAdmitted (licensed)$6.9M0.46%
68FMIC Insurance Company10941NCAdmitted (licensed)$6.6M0.44%
69Pennsylvania Manufacturers' Association Insurance Company12262PAAdmitted (licensed)$6.5M0.43%
70Travelers Casualty Insurance Company of America19046CTAdmitted (licensed)$6.4M0.43%
71Hartford Insurance Company of the Southeast38261CTAdmitted (licensed)$6.2M0.41%
72Safety National Casualty Corporation15105MOAdmitted (licensed)$6.2M0.41%
73EMC PROPERTY \u0026 CASUALTY COMPANY25186IAAdmitted (licensed)$6.1M0.41%
74New Hampshire Insurance Company23841ILAdmitted (licensed)$6.1M0.40%
75Silver Oak Casualty, Inc.26869NEAdmitted (licensed)$6.1M0.40%
76National Casualty Company11991OHAdmitted (licensed)$6.0M0.40%
77XL Specialty Insurance Company37885DEAdmitted (licensed)$5.9M0.39%
78Berkshire Hathaway Direct Insurance Company10391NEAdmitted (licensed)$5.8M0.39%
79Wellfleet New York Insurance Company20931NYAdmitted (licensed)$5.8M0.38%
80Markel Insurance Company38970ILAdmitted (licensed)$5.8M0.38%
81Travelers Indemnity Company of Connecticut (The)25682CTAdmitted (licensed)$5.8M0.38%
82BrickStreet Mutual Insurance Company12372WVAdmitted (licensed)$5.7M0.38%
83Starr Specialty Insurance Company16109TXAdmitted (licensed)$5.7M0.38%
84Federated Reserve Insurance Company16024MNAdmitted (licensed)$5.7M0.38%
85Travelers Indemnity Company (The)25658CTAdmitted (licensed)$5.7M0.38%
86NorGUARD Insurance Company31470NEAdmitted (licensed)$5.6M0.37%
87Liberty Mutual Fire Insurance Company23035WIAdmitted (licensed)$5.6M0.37%
88EMPLOYERS MUTUAL CASUALTY COMPANY Employers Mutual Casualty Company)21415IAAdmitted (licensed)$5.6M0.37%
89Phoenix Insurance Company, (The)25623CTAdmitted (licensed)$5.5M0.36%
90First Liberty Insurance Corporation (The)33588ILAdmitted (licensed)$5.5M0.36%
91Cincinnati Casualty Company (The)28665OHAdmitted (licensed)$5.1M0.34%
92Sequoia Insurance Company22985CAAdmitted (licensed)$5.1M0.34%
93Arch Indemnity Insurance Company30830MOAdmitted (licensed)$4.9M0.32%
94Transportation Insurance Company20494ILAdmitted (licensed)$4.9M0.32%
95Chubb Indemnity Insurance Company12777NYAdmitted (licensed)$4.8M0.32%
96Sentry Casualty Company28460WIAdmitted (licensed)$4.7M0.31%
97Sompo America Insurance Company11126NYAdmitted (licensed)$4.7M0.31%
98Nutmeg Insurance Company39608CTAdmitted (licensed)$4.7M0.31%
99Tri-State Insurance Company of Minnesota31003IAAdmitted (licensed)$4.6M0.31%
100Berkshire Hathaway Homestate Insurance Company20044NEAdmitted (licensed)$4.6M0.30%
101Allmerica Financial Benefit Insurance Company41840MIAdmitted (licensed)$4.5M0.30%
102Continental Insurance Company, (The)35289PAAdmitted (licensed)$4.5M0.30%
103FFVA Mutual Insurance Company10385FLAdmitted (licensed)$4.5M0.30%
104MEMIC Indemnity Company11030NHAdmitted (licensed)$4.4M0.30%
105Federated Rural Electric Insurance Exchange11118KSAdmitted (licensed)$4.4M0.29%
106Berkley Casualty Company15911IAAdmitted (licensed)$4.3M0.29%
107NorthStone Insurance Company13045WVAdmitted (licensed)$4.3M0.28%
108Auto-Owners Insurance Company18988MIAdmitted (licensed)$4.2M0.28%
109XL Insurance America, Inc.24554DEAdmitted (licensed)$4.2M0.28%
110QBE Insurance (Europe) Limited39217PAAdmitted (licensed)$4.2M0.28%
111ZNAT Insurance Company30120CAAdmitted (licensed)$4.0M0.27%
112Standard Fire Insurance Company (The)19070CTAdmitted (licensed)$4.0M0.26%
113Sentry Insurance Company24988WIAdmitted (licensed)$3.9M0.26%
114Selective Insurance Company of the Southeast39926INAdmitted (licensed)$3.9M0.26%
115Amerisure Mutual Insurance Company23396MIAdmitted (licensed)$3.8M0.25%
116Brotherhood Mutual Insurance Company13528INAdmitted (licensed)$3.8M0.25%
117Frank Winston Crum Insurance Company11600FLAdmitted (licensed)$3.7M0.25%
118Continental Casualty Company20443ILAdmitted (licensed)$3.7M0.25%
119Ascot Insurance Company23752COAdmitted (licensed)$3.6M0.24%
120Eastern Alliance Insurance Company10724PAAdmitted (licensed)$3.5M0.23%
121Hanover American Insurance Company (The)36064NHAdmitted (licensed)$3.4M0.23%
122Amerisure Insurance Company19488MIAdmitted (licensed)$3.4M0.23%
123Bankers Standard Insurance Company18279PAAdmitted (licensed)$3.4M0.22%
124Church Mutual Insurance Company, S. I.18767WIAdmitted (licensed)$3.3M0.22%
125Vanliner Insurance Company21172OHAdmitted (licensed)$3.3M0.22%
126Manufacturers Alliance Insurance Company36897PAAdmitted (licensed)$3.2M0.21%
127Selective Insurance Company of South Carolina19259INAdmitted (licensed)$3.1M0.21%
128Selective Insurance Company of America12572NJAdmitted (licensed)$3.1M0.20%
129Employers Compensation Insurance Company11512NVAdmitted (licensed)$3.1M0.20%
130National Fire Insurance Company of Hartford20478ILAdmitted (licensed)$3.1M0.20%
131Pennsylvania National Mutual Casualty Insurance Company14990PAAdmitted (licensed)$3.0M0.20%
132Redwood Fire and Casualty Insurance Company11673NEAdmitted (licensed)$3.0M0.20%
133Allmerica Financial Alliance Insurance Company10212NHAdmitted (licensed)$3.0M0.20%
134Hanover Insurance Company (The)22292NHAdmitted (licensed)$2.9M0.19%
135Vigilant Insurance Company20397NYAdmitted (licensed)$2.8M0.19%
136Citizens Insurance Company of America31534MIAdmitted (licensed)$2.7M0.18%
137American Builders Insurance Company11240DEAdmitted (licensed)$2.6M0.17%
138StarNet Insurance Company40045IAAdmitted (licensed)$2.6M0.17%
139Normandy Insurance Company13012FLAdmitted (licensed)$2.6M0.17%
140American Interstate Insurance Company of Texas12228TXAdmitted (licensed)$2.6M0.17%
141Massachusetts Bay Insurance Company22306NHAdmitted (licensed)$2.5M0.17%
142Valley Forge Insurance Company20508PAAdmitted (licensed)$2.5M0.17%
143Great West Casualty Company11371NEAdmitted (licensed)$2.5M0.16%
144Milford Casualty Insurance Company26662DEAdmitted (licensed)$2.4M0.16%
145Sunz Insurance Company34762FLAdmitted (licensed)$2.4M0.16%
146StarStone National Insurance Company25496DEAdmitted (licensed)$2.4M0.16%
147FCCI Insurance Company10178FLAdmitted (licensed)$2.4M0.16%
148Chubb National Insurance Company10052INAdmitted (licensed)$2.3M0.16%
149Argonaut Insurance Company19801NEAdmitted (licensed)$2.3M0.15%
150Praetorian Insurance Company37257PAAdmitted (licensed)$2.3M0.15%
151Safety First Insurance Company11123MOAdmitted (licensed)$2.3M0.15%
152State National Insurance Company, Inc.12831TXAdmitted (licensed)$2.3M0.15%
153Midwest Employers Casualty Company23612IAAdmitted (licensed)$2.2M0.15%
154Bridgefield Indemnity Insurance Company16618OHAdmitted (licensed)$2.2M0.15%
155Hartford Insurance Company of Illinois38288ILAdmitted (licensed)$2.2M0.15%
156Employers Assurance Company25402FLAdmitted (licensed)$2.2M0.15%
157Protective Insurance Company12416INAdmitted (licensed)$2.2M0.14%
158National Specialty Insurance Company22608TXAdmitted (licensed)$2.2M0.14%
159Cimarron Insurance Company, Inc.20400AZAdmitted (licensed)$2.1M0.14%
160LUBA Casualty Insurance Company12472LAAdmitted (licensed)$2.1M0.14%
161Sentinel Insurance Company, Limited11000CTAdmitted (licensed)$2.1M0.14%
162Service American Indemnity Company39152TXAdmitted (licensed)$2.0M0.13%
163SummitPoint Insurance Company15136WVAdmitted (licensed)$2.0M0.13%
164Mitsui Sumitomo Insurance Company of America20362NYAdmitted (licensed)$2.0M0.13%
165Great Divide Insurance Company25224NDAdmitted (licensed)$2.0M0.13%
166BITCO General Insurance Corporation20095IAAdmitted (licensed)$1.9M0.13%
167Triumphe Casualty Company41106OHAdmitted (licensed)$1.9M0.13%
168Southern Insurance Company19216TXAdmitted (licensed)$1.9M0.12%
169Harford Mutual Insurance Company14141MDAdmitted (licensed)$1.8M0.12%
170AmFed National Insurance Company11208MSAdmitted (licensed)$1.8M0.12%
171Penn National Security Insurance Company32441PAAdmitted (licensed)$1.8M0.12%
172Great American Assurance Company26344OHAdmitted (licensed)$1.7M0.11%
173American Guarantee and Liability Insurance Company26247NYAdmitted (licensed)$1.7M0.11%
174Greenwich Insurance Company22322DEAdmitted (licensed)$1.7M0.11%
175AmTrust Insurance Company15954DEAdmitted (licensed)$1.7M0.11%
176Accredited Surety and Casualty Company, Inc.26379FLAdmitted (licensed)$1.7M0.11%
177National Builders Insurance Company16632DEAdmitted (licensed)$1.7M0.11%
178Travelers Commercial Casualty Company40282CTAdmitted (licensed)$1.5M0.10%
179Intrepid Insurance Company10749IAAdmitted (licensed)$1.5M0.10%
180ACIG Insurance Company19984ILAdmitted (licensed)$1.5M0.10%
181Middlesex Insurance Company23434WIAdmitted (licensed)$1.5M0.10%
182Republic-Franklin Insurance Company12475OHAdmitted (licensed)$1.4M0.09%
183Bridgefield Employers Insurance Company10701FLAdmitted (licensed)$1.4M0.09%
184Everest Premier Insurance Company16045DEAdmitted (licensed)$1.3M0.09%
185Wellfleet Insurance Company32280INAdmitted (licensed)$1.3M0.09%
186SOMPO AMERICA FIRE \u0026 MARINE INSURANCE COMPANY38997NYAdmitted (licensed)$1.3M0.09%
187United States Fire Insurance Company21113DEAdmitted (licensed)$1.3M0.09%
188American Automobile Insurance Company21849MOAdmitted (licensed)$1.3M0.09%
189Tokio Marine America Insurance Company10945NYAdmitted (licensed)$1.2M0.08%
190MAG Mutual Insurance Company42617GAAdmitted (licensed)$1.2M0.08%
191Pacific Indemnity Company20346DEAdmitted (licensed)$1.2M0.08%
192Clear Spring Property and Casualty Company15563INAdmitted (licensed)$1.2M0.08%
193Cincinnati Insurance Company (The)10677OHAdmitted (licensed)$1.1M0.08%
194Granite State Insurance Company23809ILAdmitted (licensed)$1.1M0.08%
195Monroe Guaranty Insurance Company32506INAdmitted (licensed)$1.1M0.08%
196Erie Insurance Company26263PAAdmitted (licensed)$1.1M0.07%
197Continental Indemnity Company28258NMAdmitted (licensed)$1.0M0.07%
198Southern Insurance Company of Virginia26867VAAdmitted (licensed)$1.0M0.07%
199MidSouth Insurance Company12839TNAdmitted (licensed)$1.0M0.07%
200Atlantic States Insurance Company22586PAAdmitted (licensed)$997,3710.07%
201Continental Western Insurance Company10804IAAdmitted (licensed)$994,8800.07%
202Utica Mutual Insurance Company25976NYAdmitted (licensed)$965,9130.06%
203Pharmacists Mutual Insurance Company13714IAAdmitted (licensed)$962,0180.06%
204BITCO National Insurance Company20109IAAdmitted (licensed)$954,8510.06%
205Graphic Arts Mutual Insurance Company25984NYAdmitted (licensed)$943,5130.06%
206EMCASCO Insurance Company21407IAAdmitted (licensed)$934,4100.06%
207Everest National Insurance Company10120DEAdmitted (licensed)$926,0880.06%
208Zenith Insurance Company13269CAAdmitted (licensed)$902,1700.06%
209Utica National Assurance Company10687NYAdmitted (licensed)$821,9050.05%
210Ffva Select Insurance Co.16236FLAdmitted (licensed)$805,3870.05%
211Southern States Insurance Exchange15709VAAdmitted (licensed)$799,1250.05%
212MEMIC Casualty Company14164NHAdmitted (licensed)$763,6440.05%
213Federated Service Insurance Company28304MNAdmitted (licensed)$757,8690.05%
214Cherokee Insurance Company10642MIAdmitted (licensed)$729,4140.05%
215Great American Spirit Insurance Company33723OHAdmitted (licensed)$702,5950.05%
216Plaza Insurance Company30945IAAdmitted (licensed)$677,2130.04%
217Mitsui Sumitomo Insurance USA Inc.22551NYAdmitted (licensed)$656,9870.04%
218Central Insurance Company20230OHAdmitted (licensed)$651,8160.04%
219Eastern Advantage Assurance Company13019PAAdmitted (licensed)$643,9030.04%
220Nationwide Insurance Company of America25453OHAdmitted (licensed)$638,4250.04%
221Amerisure Partners Insurance Company11050MIAdmitted (licensed)$636,2660.04%
222Nationwide Mutual Insurance Company23787OHAdmitted (licensed)$630,8380.04%
223Star Insurance Company18023MIAdmitted (licensed)$621,4870.04%
224Work First Casualty Company31232DEAdmitted (licensed)$615,8510.04%
225TransGuard Insurance Company of America, Inc.28886ILAdmitted (licensed)$613,2660.04%
226Rockwood Casualty Insurance Company35505PAAdmitted (licensed)$589,0010.04%
227OBI National Insurance Company14190PAAdmitted (licensed)$576,6360.04%
228Midvale Indemnity Company27138WIAdmitted (licensed)$567,6100.04%
229Sentry Select Insurance Company21180WIAdmitted (licensed)$566,9700.04%
230Everest Denali Insurance Company16044DEAdmitted (licensed)$539,2120.04%
231Southern Mutual Church Insurance Company26468SCAdmitted (licensed)$507,9590.03%
232Nationwide Property and Casualty Insurance Company37877OHAdmitted (licensed)$492,6800.03%
233Omaha National Insurance Company16219NEAdmitted (licensed)$485,2360.03%
234Union Insurance Company of Providence21423IAAdmitted (licensed)$478,1050.03%
235Chiron Insurance Company16356IAAdmitted (licensed)$471,4390.03%
236Berkley Regional Insurance Company29580IAAdmitted (licensed)$465,3160.03%
237Rural Trust Insurance Company11134TXAdmitted (licensed)$457,0460.03%
238Donegal Mutual Insurance Company13692PAAdmitted (licensed)$454,2210.03%
239Ohio Casualty Insurance Company (The)24074NHAdmitted (licensed)$450,7680.03%
240Berkley National Insurance Company38911IAAdmitted (licensed)$450,1630.03%
241Old Guard Insurance Company17558OHAdmitted (licensed)$445,5270.03%
242CorePointe Insurance Company10499DEAdmitted (licensed)$440,1920.03%
243National Interstate Insurance Company32620OHAdmitted (licensed)$434,1090.03%
244North River Insurance Company (The)21105NJAdmitted (licensed)$405,2000.03%
245Westfield Champion Insurance Company16447OHAdmitted (licensed)$393,2440.03%
246CRUM \u0026 FORSTER INDEMNITY COMPANY31348DEAdmitted (licensed)$381,4110.03%
247Westfield Insurance Company24112OHAdmitted (licensed)$378,9000.03%
248Acadia Insurance Company31325IAAdmitted (licensed)$362,9380.02%
249Nationwide Agribusiness Insurance Company28223IAAdmitted (licensed)$357,9840.02%
250Trans Pacific Insurance Company41238NYAdmitted (licensed)$356,9970.02%
251Commerce and Industry Insurance Company19410NYAdmitted (licensed)$355,0620.02%
252Union Insurance Company25844IAAdmitted (licensed)$343,6100.02%
253RLI Insurance Company13056ILAdmitted (licensed)$338,1270.02%
254Synergy Comp Insurance Company12593PAAdmitted (licensed)$334,1970.02%
255Nova Casualty Company42552NYAdmitted (licensed)$324,9560.02%
256New York Marine and General Insurance Company16608NYAdmitted (licensed)$324,6820.02%
257Bearing Midwest Casualty Company14402KSAdmitted (licensed)$323,9190.02%
258Pacific Employers Insurance Company22748PAAdmitted (licensed)$321,2130.02%
259West American Insurance Company44393INAdmitted (licensed)$306,1640.02%
260Incline Casualty Company11090TXAdmitted (licensed)$298,3200.02%
261Oak River Insurance Company34630NEAdmitted (licensed)$294,8380.02%
262Firstline Insurance Company40100MDAdmitted (licensed)$294,8010.02%
263NGM Insurance Company14788FLAdmitted (licensed)$291,7340.02%
264Firemen's Insurance Company of Washington, D. C.21784IAAdmitted (licensed)$253,9540.02%
265GuideOne Insurance Company15032IAAdmitted (licensed)$247,7890.02%
266Crestbrook Insurance Company18961OHAdmitted (licensed)$234,4440.02%
267Nationwide Mutual Insurance Company10723OHAdmitted (licensed)$233,4380.02%
268All America Insurance Company20222OHAdmitted (licensed)$232,2580.02%
269LUBA Indemnity Insurance Company16001LAAdmitted (licensed)$230,5420.02%
270Sagamore Insurance Company40460INAdmitted (licensed)$229,3670.02%
271Florists' Mutual Insurance Company13978ILAdmitted (licensed)$227,5820.02%
272Atlantic Specialty Insurance Company27154NYAdmitted (licensed)$227,3340.02%
273Westfield Touchstone Insurance Company16448OHAdmitted (licensed)$215,6420.01%
274North Pointe Insurance Company27740PAAdmitted (licensed)$215,4760.01%
275State Automobile Mutual Insurance Company25135OHAdmitted (licensed)$215,0280.01%
276GuideOne Elite Insurance Company42803IAAdmitted (licensed)$214,7690.01%
277Maine Employers' Mutual Insurance Company11149MEAdmitted (licensed)$214,6460.01%
278National Surety Corporation21881ILAdmitted (licensed)$211,6670.01%
279Gray Insurance Company (The)36307LAAdmitted (licensed)$205,8980.01%
280Pennsylvania Manufacturers Indemnity Company41424PAAdmitted (licensed)$203,5600.01%
281Executive Risk Indemnity, Inc.35181DEAdmitted (licensed)$202,7520.01%
282Lion Insurance Company11075FLAdmitted (licensed)$200,3320.01%
283National Trust Insurance Company20141INAdmitted (licensed)$195,7680.01%
284Imperium Insurance Company35408TXAdmitted (licensed)$194,2080.01%
285Nationwide General Insurance Company23760OHAdmitted (licensed)$194,0070.01%
286Allied Property and Casualty Insurance Company42579IAAdmitted (licensed)$189,7540.01%
287Great Northern Insurance Company20303INAdmitted (licensed)$171,9290.01%
288AmFed Advantage Insurance Company16459MSAdmitted (licensed)$171,2110.01%
289EastGuard Insurance Company14702NEAdmitted (licensed)$164,6070.01%
290Peninsula Insurance Company (The)14958MDAdmitted (licensed)$158,3650.01%
291SFM Mutual Insurance Company11347MNAdmitted (licensed)$153,4270.01%
292Bloomington Compensation Insurance Company12311MNAdmitted (licensed)$152,5230.01%
293American Fire and Casualty Company24066NHAdmitted (licensed)$149,5180.01%
294WCF Select Insurance Company21865CAAdmitted (licensed)$141,3580.01%
295HDI Global Insurance Company41343ILAdmitted (licensed)$127,5410.01%
296Stonington Insurance Company10340PAAdmitted (licensed)$126,6080.01%
297Service Lloyds Insurance Company, a stock company43389TXAdmitted (licensed)$119,2350.01%
298Westfield Premier Insurance Company16450OHAdmitted (licensed)$99,1910.01%
299STATE AUTO PROPERTY \u0026 CASUALTY INSURANCE COMPANY25127IAAdmitted (licensed)$99,0780.01%
300Ace Property and Casualty Insurance Company20699PAAdmitted (licensed)$90,2370.01%
301American Compensation Insurance Company45934MNAdmitted (licensed)$88,5840.01%
302SAMSUNG FIRE \u0026 MARINE INSURANCE CO., LTD. (U.S. BRANCH)38300NYAdmitted (licensed)$81,7450.01%
303Westfield Superior Insurance Company16449OHAdmitted (licensed)$79,1530.01%
304Waypoint Mutual13126KSAdmitted (licensed)$77,3150.01%
305Freedom Specialty Insurance Company22209OHAdmitted (licensed)$76,7210.01%
306Fireman's Fund Insurance Company21873ILAdmitted (licensed)$74,6050.00%
307Ansur America Insurance Company10984MIAdmitted (licensed)$65,6900.00%
308Ace Fire Underwriters Insurance Company20702PAAdmitted (licensed)$65,4720.00%
309American Liberty Insurance Company, Inc.12200UTAdmitted (licensed)$64,3280.00%
310St. Paul Fire and Marine Insurance Company24767CTAdmitted (licensed)$58,3000.00%
311Insurance Company of North America22713PAAdmitted (licensed)$57,0930.00%
312Great American Insurance Company16691OHAdmitted (licensed)$54,4340.00%
313Scottsdale Indemnity Company15580OHAdmitted (licensed)$52,3070.00%
314American Select Insurance Company19992OHAdmitted (licensed)$52,1810.00%
3151842 Insurance Company16862MDAdmitted (licensed)$51,6540.00%
316Meridian Security Insurance Company23353INAdmitted (licensed)$50,5410.00%
317Argonaut-Midwest Insurance Company19828NEAdmitted (licensed)$48,6010.00%
318American Home Assurance Company19380NYAdmitted (licensed)$46,5270.00%
319Westfield National Insurance Company24120OHAdmitted (licensed)$45,3910.00%
320GuideOne Specialty Insurance Company14559IAAdmitted (licensed)$45,2730.00%
321Grain Dealers Mutual Insurance Company22098INAdmitted (licensed)$44,0400.00%
322WCF National Insurance Company40517UTAdmitted (licensed)$42,9520.00%
323SteadPoint Insurance Company10156TNAdmitted (licensed)$34,2920.00%
324Riverport Insurance Company36684IAAdmitted (licensed)$33,0510.00%
325Intrepid Casualty Company17182IAAdmitted (licensed)$18,3560.00%
326National American Insurance Company23663OKAdmitted (licensed)$15,9120.00%
327Houston Specialty Insurance Company12936TXSurplus lines (eligible)$14,8610.00%
328Liberty Mutual Insurance Company23043MAAdmitted (licensed)$12,4550.00%
329T.H.E. Insurance Company12866DEAdmitted (licensed)$11,8960.00%
330Builders Alliance Insurance Company11258NCAdmitted (licensed)$11,5940.00%
331First Dakota Indemnity Company10351SDAdmitted (licensed)$11,2660.00%
332Westchester Fire Insurance Company10030PAAdmitted (licensed)$10,0480.00%
333Harleysville Insurance Company23582OHAdmitted (licensed)$8,7190.00%
334OBI America Insurance Company15645PAAdmitted (licensed)$8,5600.00%
335Truck Insurance Exchange21709CAAdmitted (licensed)$7,4930.00%
336TNUS Insurance Company DBA: 257000032301NYAdmitted (licensed)$5,7280.00%
337Employers Insurance Company of Nevada, a Mutual Company10640NVAdmitted (licensed)$4,8150.00%
338Arch Property Casualty Insurance Company10946MOAdmitted (licensed)$4,5700.00%
339Falls Lake National Insurance Company31925OHAdmitted (licensed)$4,4330.00%
340Mid-Century Insurance Company21687CAAdmitted (licensed)$4,4110.00%
341Penn Millers Insurance Company14982PAAdmitted (licensed)$4,2190.00%
342Depositors Insurance Company42587IAAdmitted (licensed)$4,0710.00%
343Farmers Insurance Exchange21652CAAdmitted (licensed)$1,9580.00%
344Regent Insurance Company24449WIAdmitted (licensed)$1,8680.00%
345Preferred Employers Insurance Company10900CAAdmitted (licensed)$5920.00%
346Old Republic General Insurance Corporation24139ILAdmitted (licensed)$2890.00%
347Petroleum Casualty Company12297TXAdmitted (licensed)$780.00%
Turned down?

Last resort for workers' compensation in North Carolina

Last resortLinesWhereHow to get in
Workers' comp residual marketsworkers' compNCCI pools in 27 jurisdictions; monopolistic state funds in ND, OH, WA, WY; CA State Compensation Insurance Fund is the statutory last resortNCCI online application (ACORD 130 and 133); NCCI's VCAP flags voluntary carriers interested in the risk; NC and MA use their own systems Texas has no residual market (coverage is optional for most Texas employers).Source
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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