Directory · North Dakota · Equipment breakdown

Who writes equipment breakdown in North Dakota

Top insurer groups from the NAIC market share report; the state's list carries no lines of authority.

Fm Group wrote the most equipment breakdown in North Dakota in 2025, $8.5M and 48.7% of the state's premium; the top five groups hold 67%. North Dakota's company list doesn't say which lines each company is licensed for, so the ranking below is the NAIC's top 10 groups; every licensed company is on the North Dakota page.

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

Top 10 · NAIC table: 27 - Boiler and Machinery

The insurer groups that write the most equipment breakdown in North Dakota

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 group	Premium written	Share	Loss ratio	Member companies here
1	Fm Group	$8.5M	48.70%	29%	Factory Mutual Insurance Company, Affiliated F M Insurance Company, Appalachian Insurance Company
2	American International Group	$1.0M	5.87%	—	National Union Fire Insurance Company of Pittsburgh, Pennsylvania, AIG Property Casualty Company, Lexington Insurance Company, AIU Insurance Company
3	Munich Re Group	$823,000	4.72%	8%	American Modern Property and Casualty Insurance Company, American Modern Home Insurance Company, American Alternative Insurance Corporation, Next Insurance US Company
4	Travelers Group	$675,000	3.87%	13%	Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
5	Chubb Ltd Group	$656,000	3.76%	20%	Federal Insurance Company, Ace American Insurance Company, Ace Property and Casualty Insurance Company, Chubb Lloyd's Insurance Company of Texas
6	Secura Insurance Group	$642,000	3.68%	25%	SECURA Insurance Company, SECURA Supreme Insurance Company
7	ACUITY, A Mutual Insurance Company	$584,000	3.35%	2%	—
8	Nationwide Corporation Group	$486,000	2.78%	21%	Nationwide Mutual Insurance Company, Nationwide Insurance Company of America, National Casualty Company, Nationwide General Insurance Company
9	Emc Insurance Co. Group	$456,000	2.61%	1%	EMPLOYERS MUTUAL CASUALTY COMPANY Employers Mutual Casualty Company), EMCASCO Insurance Company, EMC PROPERTY \u0026 CASUALTY COMPANY, Union Insurance Company of Providence
10	Axa Insurance Group	$446,000	2.56%	1%	XL Specialty Insurance Company, XL Insurance America, Inc., Greenwich Insurance Company, \|Indian Harbor Insurance Company

Turned down?

Last resort for equipment breakdown in North Dakota

Last resort	Lines	Where	How to get in
Surplus lines and Lloyd's open market	all	all states, under each state's diligent-search rules	Through surplus lines wholesalers; commercial property and liability have no guaranteed plan, so this is their last step	Source

Method and source

Source: the North Dakota insurance regulator company list, read 2026-10-18. ND Insurance Department 2024 Statistical Report, 'State Page Data for Licensed [Non-]Domiciled Health/Life/Property/Title Insurance Companies as of December 31, 2024'. Every licensed company with an NAIC code; type is the report section (Health, Life, Property & Casualty = the 'Property' auto + fire/multi-peril sections, Title; joined with '; ' when a company appears in more than one). domicile is 'ND' for the domiciled sections and blank (unknown) otherwise. The report carries no certificate-of-authority lines, only premiums by line group, so lines is always []. The 9 ND county mutuals (no NAIC code) are appended with type 'County Mutual' and since = year admitted to ND. North Dakota publishes no surplus lines eligibility list. Section counts: Health domiciled 2 (report 2); Health non-domiciled 65 (report 65); Life domiciled 3 (report 3); Life non-domiciled 406 (report 406); Property domiciled 13 (report 13); Property non-domiciled 826 (report 826); Property domiciled 13 (report 13); Property non-domiciled 826 (report 826); Title non-domiciled 18 (report 18); County Mutual 9 (report 9). "Premium" is direct premium written in the state for the year shown; "share" is that company's part of the state total for the line. A company can be licensed for a line and write none of it, and a surplus lines insurer can write a line without a state license for it.

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