Directory · North Dakota · Inland marine

Who writes inland marine in North Dakota

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

Liberty Mutual Group wrote the most inland marine in North Dakota in 2025, $23.5M and 17.2% of the state's premium; the top five groups hold 35%. 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: 09.1 - Inland Marine

The insurer groups that write the most inland marine 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	Liberty Mutual Group	$23.5M	17.21%	46%	Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
2	Travelers Group	$6.9M	5.06%	22%	Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
3	Zurich Insurance Group	$6.3M	4.60%	29%	Zurich American Insurance Company, Rural Community Insurance Company, American Zurich Insurance Company, American Guarantee and Liability Insurance Company
4	Allianz Insurance Group	$5.9M	4.28%	11%	Allianz Global Risks US Insurance Company, Jefferson Insurance Company, Fireman's Fund Insurance Company, AGCS Marine Insurance Company
5	Progressive Group	$5.4M	3.93%	66%	Progressive County Mutual Insurance Company, United Financial Casualty Company, Progressive Universal Insurance Company, Progressive Direct Insurance Company
6	Cna Insurance Group	$4.9M	3.60%	51%	Continental Casualty Company, Continental Insurance Company, (The), American Casualty Company of Reading, Pennsylvania, National Fire Insurance Company of Hartford
7	Old Republic Group	$4.4M	3.21%	8%	Old Republic Insurance Company, Great West Casualty Company, BITCO General Insurance Corporation, Pennsylvania Manufacturers' Association Insurance Company
8	The Hanover Insurance Group	$4.1M	3.02%	35%	Hanover Insurance Company (The), Allmerica Financial Benefit Insurance Company, Massachusetts Bay Insurance Company, Citizens Insurance Company of America
9	Skyward Specialty Insurance Group Inc Group	$4.0M	2.94%	26%	Imperium Insurance Company, Houston Specialty Insurance Company, Great Midwest Insurance Company, Oklahoma Specialty Insurance Company
10	Fm Group	$3.9M	2.86%	22%	Factory Mutual Insurance Company, Affiliated F M Insurance Company, Appalachian Insurance Company

Turned down?

Last resort for inland marine 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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