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Directory · North Dakota · Farm and crop

Who writes farm and crop in North Dakota

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

Qbe Insurance Group wrote the most farm and crop in North Dakota in 2025, $460.4M and 34.3% of the state's premium; the top five groups hold 92%. 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: 02.2 - Multiple Peril Crop

The insurer groups that write the most farm and crop 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 groupPremium writtenShareLoss ratioMember companies here
1Qbe Insurance Group$460.4M34.33%52%NAU Country Insurance Company, QBE Insurance (Europe) Limited, Praetorian Insurance Company, QBE Specialty Insurance Company
2Chubb Ltd Group$319.1M23.80%60%Federal Insurance Company, Ace American Insurance Company, Ace Property and Casualty Insurance Company, Chubb Lloyd's Insurance Company of Texas
3Zurich Insurance Group$240.9M17.96%41%Zurich American Insurance Company, Rural Community Insurance Company, American Zurich Insurance Company, American Guarantee and Liability Insurance Company
4American Financial Group$107.7M8.03%59%Great American Insurance Company, Great American Assurance Company, National Interstate Insurance Company, Great American Alliance Insurance Company
5Sompo Group$103.8M7.74%30%American Agri-Business Insurance Company, Endurance Assurance Corporation, Endurance American Insurance Company, Sompo America Insurance Company
6Farmers Mutual Hail Insurance Group$37.1M2.77%34%Farmers Mutual Hail Insurance Company of Iowa, FMH Ag Risk Insurance Company
7Nodak Mutual Group$29.0M2.16%30%American West Insurance Company, Direct Auto Ins Co, Primero Insurance Company, Battle Creek Mutual Insurance Company
8Palomar Holdings Group$20.8M1.55%58%Palomar Specialty Insurance Company, Palomar Excess and Surplus Insurance Company, First Indemnity of America Insurance Company, Laulima Exchange
9Tokio Marine Holdings Inc Group$16.3M1.21%35%Philadelphia Indemnity Insurance Company, Privilege Underwriters Reciprocal Exchange, PURE Risk Mgt, Atty-in-Fact, Safety National Casualty Corporation, Producers Agriculture Insurance Company
10Clear Blue Financial Group$5.4M0.40%24%Clear Blue Insurance Company, Rock Ridge Insurance Company, Highlander Specialty Insurance Company, Clear Blue Specialty Insurance Company
Turned down?

Last resort for farm and crop in North Dakota

Last resortLinesWhereHow to get in
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 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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