Directory · North Dakota · General liability

Who writes general liability in North Dakota

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

Travelers Group wrote the most general liability in North Dakota in 2025, $26.3M and 7.8% of the state's premium; the top five groups hold 30%. 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: 17.1, 17.2 - Other Liability

The insurer groups that write the most general liability 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	Travelers Group	$26.3M	7.81%	46%	Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
2	Wr Berkley Corporation Group	$25.7M	7.63%	78%	Berkley Assurance Company, Berkley National Insurance Company, Carolina Casualty Insurance Company, StarNet Insurance Company
3	Berkshire Hathaway Group	$19.1M	5.68%	65%	GEICO General Insurance Company, GEICO Texas County Mutual Insurance Company, GEICO County Mutual Insurance Company, Government Employees Insurance Company
4	Chubb Ltd Group	$18.1M	5.37%	145%	Federal Insurance Company, Ace American Insurance Company, Ace Property and Casualty Insurance Company, Chubb Lloyd's Insurance Company of Texas
5	American Financial Group	$11.1M	3.29%	108%	Great American Insurance Company, Great American Assurance Company, National Interstate Insurance Company, Great American Alliance Insurance Company
6	ACUITY, A Mutual Insurance Company	$8.8M	2.61%	22%	—
7	Markel Group	$8.3M	2.45%	32%	State National Insurance Company, Inc., Markel Insurance Company, Markel American Insurance Company, Essentia Insurance Company
8	Arch Insurance Group	$8.1M	2.42%	83%	Arch Insurance (UK) Limited, Arch Mortgage Insurance Company, Arch Indemnity Insurance Company, Arch Specialty Insurance Company
9	Fairfax Financial Group	$7.8M	2.30%	13%	United States Fire Insurance Company, Zenith Insurance Company, Hudson Insurance Company, North River Insurance Company (The)
10	Western National Mutual Group	$7.4M	2.19%	34%	Western National Mutual Insurance Company, Pioneer Specialty Insurance Company, Western National Assurance Company, American Freedom Insurance Company

Turned down?

Last resort for general liability 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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