Directory · Ohio · Commercial package (BOP, CMP)

Who writes commercial package (BOP, CMP) in Ohio

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

Cincinnati Financial Group wrote the most commercial package (BOP, CMP) in Ohio in 2025, $271.9M and 13.1% of the state's premium; the top five groups hold 38%. Ohio'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 Ohio page.

By Sam Alishahi, independent insurance broker · All lines in Ohio

Top 10 · NAIC table: 05 - Total Commercial Multiple Peril

The insurer groups that write the most commercial package (BOP, CMP) in Ohio

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	Cincinnati Financial Group	$271.9M	13.14%	33%	Cincinnati Insurance Company (The), Cincinnati Casualty Company (The), Cincinnati Indemnity Company (The), Cincinnati Specialty Underwriters Insurance Company (The)
2	Travelers Group	$139.3M	6.73%	33%	Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
3	Westfield Group	$133.6M	6.45%	45%	Westfield Insurance Company, Westfield National Insurance Company, American Select Insurance Company, Westfield Specialty Insurance Company
4	Erie Insurance Group	$133.1M	6.43%	44%	Erie Insurance Exchange, Erie Insurance Company, Flagship City Insurance Company, Erie Insurance Company of New York
5	Auto Owners Group	$112.0M	5.41%	32%	Auto-Owners Insurance Company, Owners Insurance Company, California Capital Insurance Company, Monterey Insurance Company
6	Chubb Ltd Group	$101.5M	4.90%	16%	Federal Insurance Company, Ace American Insurance Company, Ace Property and Casualty Insurance Company, Chubb Lloyd's Insurance Company of Texas
7	State Farm Group	$98.8M	4.77%	64%	State Farm Mutual Automobile Insurance Company, State Farm Fire and Casualty Company, State Farm Lloyds, State Farm General Insurance Company
8	Tokio Marine Holdings Inc Group	$64.1M	3.10%	32%	Philadelphia Indemnity Insurance Company, Privilege Underwriters Reciprocal Exchange, PURE Risk Mgt, Atty-in-Fact, Safety National Casualty Corporation, Producers Agriculture Insurance Company
9	Cna Insurance Group	$61.0M	2.95%	55%	Continental Casualty Company, Continental Insurance Company, (The), American Casualty Company of Reading, Pennsylvania, National Fire Insurance Company of Hartford
10	Liberty Mutual Group	$60.4M	2.92%	66%	Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company

Turned down?

Last resort for commercial package (BOP, CMP) in Ohio

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 Ohio Department of Insurance company list, read 2026-10-17. Ohio's authorized list carries a company type code; the department publishes no surplus lines list (eligibility follows the home state and the NAIC Quarterly Listing). "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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