Directory · Ohio · Commercial property (fire and allied lines)

Who writes commercial property (fire and allied lines) in Ohio

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

Fm Group wrote the most commercial property (fire and allied lines) in Ohio in 2025, $77.1M and 14.9% of the state's premium; the top five groups hold 41%. 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: 02.1 - Allied Lines

The insurer groups that write the most commercial property (fire and allied lines) 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	Fm Group	$77.1M	14.90%	22%	Factory Mutual Insurance Company, Affiliated F M Insurance Company, Appalachian Insurance Company
2	Travelers Group	$44.2M	8.54%	8%	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	$35.6M	6.88%	10%	Zurich American Insurance Company, Rural Community Insurance Company, American Zurich Insurance Company, American Guarantee and Liability Insurance Company
4	Cincinnati Financial Group	$35.2M	6.79%	24%	Cincinnati Insurance Company (The), Cincinnati Casualty Company (The), Cincinnati Indemnity Company (The), Cincinnati Specialty Underwriters Insurance Company (The)
5	Assurant Inc Group	$20.1M	3.88%	30%	Virginia Surety Company, Inc., American Bankers Insurance Company of Florida, American Security Insurance Company, Standard Guaranty Insurance Company
6	Munich Re Group	$18.8M	3.63%	37%	American Modern Property and Casualty Insurance Company, American Modern Home Insurance Company, American Alternative Insurance Corporation, Next Insurance US Company
7	Liberty Mutual Group	$18.1M	3.51%	21%	Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
8	American International Group	$17.4M	3.36%	24%	National Union Fire Insurance Company of Pittsburgh, Pennsylvania, AIG Property Casualty Company, Lexington Insurance Company, AIU Insurance Company
9	Selective Insurance Group	$16.6M	3.22%	27%	Selective Insurance Company of America, Selective Insurance Company of the Southeast, Selective Insurance Company of South Carolina, Mesa Underwriters Specialty Insurance Company
10	Berkshire Hathaway Group	$15.6M	3.02%	—	GEICO General Insurance Company, GEICO Texas County Mutual Insurance Company, GEICO County Mutual Insurance Company, Government Employees Insurance Company

Turned down?

Last resort for commercial property (fire and allied lines) in Ohio

Last resort	Lines	Where	How to get in
Property FAIR Plans	dwelling fire, homeowners, commercial property	CA, CO, CT, IL, IN, IA, KS, KY, MN, MO, OH, OR, PA, TX, WI, WV, LA, DE, DC, GA, HI, MD, MA, MI, NJ, NM, NY, NC, RI, VA, FL	Each state's plan; California: broker searches the regular market first, registers on the broker portal (cfpnet.com); a DIC wrap is optional	Source
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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