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Directory · Oregon · Earthquake

Who writes earthquake in Oregon

From the Oregon company list; alphabetical, since Oregon doesn't publish every company's premium by line.

132 insurers are licensed for earthquake in Oregon on the regulator's list. State Farm Group wrote the most in 2025 (18.6% of the state's premium).

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

Top 10 · NAIC table: 12 - Earthquake

The insurer groups that write the most earthquake in Oregon

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
1State Farm Group$36.9M18.65%0%State Farm Mutual Automobile Insurance Company, State Farm Fire and Casualty Company, State Farm Lloyds, State Farm General Insurance Company
2Fm Group$23.9M12.08%0%Factory Mutual Insurance Company, Affiliated F M Insurance Company, Appalachian Insurance Company
3Palomar Holdings Group$20.7M10.49%0%Palomar Specialty Insurance Company, Palomar Excess and Surplus Insurance Company, First Indemnity of America Insurance Company, Laulima Exchange
4Travelers Group$14.9M7.54%—Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
5Zurich Insurance Group$10.2M5.17%0%Zurich American Insurance Company, Rural Community Insurance Company, American Zurich Insurance Company, American Guarantee and Liability Insurance Company
6Liberty Mutual Group$9.9M5.03%1%Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
7Geovera Holdings Inc Group$7.0M3.53%0%Coastal Select Insurance Company, GeoVera Insurance Company, SafePort Insurance Company, GeoVera Specialty Insurance Company DBA: USF&G Specialty Insurance Company
8United Serv Automobile Assn Group$6.1M3.07%—United Services Automobile Association, USAA Reciprocal, Attorney-in-fact, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company
9Farmers Insurance Group$6.0M3.06%—Farmers Insurance Exchange, Foremost Insurance Company Grand Rapids, Michigan, Mid-Century Insurance Company, Fire Insurance Exchange Fire Underwriters Association
10Chubb Ltd Group$6.0M3.02%0%Federal Insurance Company, Ace American Insurance Company, Ace Property and Casualty Insurance Company, Chubb Lloyd's Insurance Company of Texas
Earthquake · Oregon

The companies

CompanyNAICHome stateStatus hereLines
Accelerant National Insurance Company10220ARAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +7 more
Ace American Insurance Company22667PAAdmitted (licensed)Aircraft and aviation, Personal auto, Equipment breakdown +15 more
Ace Fire Underwriters Insurance Company20702PAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +6 more
Ace Property and Casualty Insurance Company20699PAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +6 more
Affiliated F M Insurance Company10014RIAdmitted (licensed)Equipment breakdown, Earthquake, Homeowners +3 more
AIG Property Casualty Company19402ILAdmitted (licensed)Personal auto, Earthquake, Flood +4 more
Allianz Global Risks US Insurance Company35300ILAdmitted (licensed)Aircraft and aviation, Equipment breakdown, Crime (burglary and theft) +5 more
Allied Property and Casualty Insurance Company42579IAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +4 more
Allmerica Financial Benefit Insurance Company41840MIAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +7 more
AMCO Insurance Company19100IAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial package (BOP, CMP) +4 more
American Family Insurance Company10386WIAdmitted (licensed)Personal auto, Commercial package (BOP, CMP), Earthquake +4 more
American Family Mutual Insurance Company, S.I.19275WIAdmitted (licensed)Personal auto, Commercial auto, Earthquake +6 more
American Fire and Casualty Company24066NHAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +8 more
American Guarantee and Liability Insurance Company26247NYAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +7 more
American Modern Property and Casualty Insurance Company42722OHAdmitted (licensed)Personal auto, Earthquake, Homeowners +3 more
American National Property and Casualty Company28401NEAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +7 more
American Zurich Insurance Company40142ILAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +7 more
AmGUARD Insurance Company42390NEAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +6 more
Amica Mutual Insurance Company, The19976RIAdmitted (licensed)Personal auto, Earthquake, Homeowners +4 more
Amshield Insurance Company15590MOAdmitted (licensed)Personal auto, Crime (burglary and theft), Earthquake +2 more
Arch Insurance (UK) Limited11150MOAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +12 more
Aspen American Insurance Company43460TXAdmitted (licensed)Equipment breakdown, Commercial package (BOP, CMP), Earthquake +5 more
Atlantic Specialty Insurance Company27154NYAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +11 more
Automobile Insurance Company of Hartford, Connecticut (The)19062CTAdmitted (licensed)Earthquake, Homeowners, Inland marine +3 more
Berkley Regional Insurance Company29580IAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +8 more
Berkshire Hathaway Direct Insurance Company10391NEAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +5 more
California Casualty Indemnity Exchange, The20117CAAdmitted (licensed)Personal auto, Earthquake, Homeowners +2 more
Century-National Insurance Company26905ILAdmitted (licensed)Earthquake, Homeowners
Charter Oak Fire Insurance Company, (The)25615CTAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +8 more
Cincinnati Casualty Company (The)28665OHAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +12 more
Cincinnati Indemnity Company (The)23280OHAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +9 more
Cincinnati Insurance Company (The)10677OHAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +13 more
Coastal Select Insurance Company10887CAAdmitted (licensed)Earthquake
Continental Casualty Company20443ILAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +12 more
Continental Insurance Company, (The)35289PAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +9 more
Continental Western Insurance Company10804IAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +10 more
Crestbrook Insurance Company18961OHAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +9 more
CSAA General Insurance Company37770INAdmitted (licensed)Earthquake, Flood, Homeowners +3 more
Depositors Insurance Company42587IAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +5 more
Eagle West Insurance Company12890CAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +8 more
Economy Premier Assurance Company40649ILAdmitted (licensed)Personal auto, Earthquake, Homeowners +2 more
EMC PROPERTY \u0026 CASUALTY COMPANY25186IAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +5 more
EMCASCO Insurance Company21407IAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +5 more
Employers Insurance Company of Wausau21458WIAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +7 more
EMPLOYERS MUTUAL CASUALTY COMPANY Employers Mutual Casualty Company)21415IAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +9 more
Executive Risk Indemnity, Inc.35181DEAdmitted (licensed)Personal auto, Earthquake, Homeowners +3 more
Factory Mutual Insurance Company21482RIAdmitted (licensed)Equipment breakdown, Earthquake, Inland marine +1 more
Farmers Direct Property and Casualty Insurance Company25321RIAdmitted (licensed)Personal auto, Earthquake, Homeowners +2 more
Farmers Insurance Company of Oregon21636ORAdmitted (licensed)Personal auto, Commercial package (BOP, CMP), Earthquake +4 more
Farmers Insurance Exchange21652CAAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +5 more
Farmers Property and Casualty Insurance Company26298RIAdmitted (licensed)Personal auto, Earthquake, Flood +3 more
Federal Insurance Company20281INAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +12 more
Federated Mutual Insurance Company13935MNAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +9 more
Federated Reserve Insurance Company16024MNAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +7 more
Federated Service Insurance Company28304MNAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +8 more
Fidelity and Deposit Company of Maryland (The)39306ILAdmitted (licensed)Equipment breakdown, Commercial package (BOP, CMP), Crime (burglary and theft) +6 more
Fire Insurance Exchange Fire Underwriters Association21660CAAdmitted (licensed)Earthquake, Homeowners, Inland marine +1 more
Fireman's Fund Insurance Company21873ILAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +8 more
First Liberty Insurance Corporation (The)33588ILAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +6 more
Garrison Property and Casualty Insurance Company21253TXAdmitted (licensed)Personal auto, Commercial package (BOP, CMP), Earthquake +4 more
GeoVera Insurance Company10799CAAdmitted (licensed)Earthquake
Granite State Insurance Company23809ILAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +7 more
Great American Insurance Company16691OHAdmitted (licensed)Aircraft and aviation, Personal auto, Equipment breakdown +13 more
Great American Insurance Company of New York22136NYAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +8 more
Great Northern Insurance Company20303INAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +8 more
Hanover American Insurance Company (The)36064NHAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +5 more
Hanover Insurance Company (The)22292NHAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +11 more
Hartford Accident and Indemnity Company22357CTAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +5 more
Hartford Fire Insurance Company19682CTAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +12 more
Hartford Insurance Company of the Midwest37478INAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +8 more
Hartford Insurance Company of the Southeast38261CTAdmitted (licensed)Personal auto, Earthquake, Homeowners +3 more
Hartford Underwriters Insurance Company30104CTAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +5 more
Homesite Insurance Company17221MAAdmitted (licensed)Earthquake, Homeowners
Horace Mann Insurance Company22578ILAdmitted (licensed)Personal auto, Earthquake, Homeowners +3 more
Illinois National Insurance Company23817ILAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +6 more
Insurance Company of the West27847CAAdmitted (licensed)Earthquake, Inland marine, Workers' compensation
Integon National Insurance Company29742ILAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +5 more
L M Insurance Corporation33600ILAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +7 more
Liberty Mutual Fire Insurance Company23035WIAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +10 more
Liberty Mutual Insurance Company42404ILAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +7 more
Liberty Mutual Insurance Company23043MAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +10 more
Massachusetts Bay Insurance Company22306NHAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +7 more
Mid-Century Insurance Company21687CAAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +3 more
Middlesex Insurance Company23434WIAdmitted (licensed)Personal auto, Commercial auto, Earthquake +6 more
Midwest Family Mutual Insurance Company23574IAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +6 more
Monterey Insurance Company23540CAAdmitted (licensed)Equipment breakdown, Commercial package (BOP, CMP), Crime (burglary and theft) +3 more
NATIONAL LIABILITY \u0026 FIRE INSURANCE COMPANY20052CTAdmitted (licensed)Aircraft and aviation, Personal auto, Commercial auto +4 more
National Union Fire Insurance Company of Pittsburgh, Pennsylvania19445PAAdmitted (licensed)Aircraft and aviation, Personal auto, Equipment breakdown +15 more
Nationwide Agribusiness Insurance Company28223IAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +10 more
Nationwide General Insurance Company23760OHAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +7 more
Nationwide Mutual Insurance Company10723OHAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +5 more
Nationwide Mutual Insurance Company23787OHAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +9 more
Ohio Casualty Insurance Company (The)24074NHAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +10 more
Ohio Security Insurance Company24082NHAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +8 more
Oregon Mutual Insurance Company14907ORAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +8 more
Pacific Employers Insurance Company22748PAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +6 more
Pacific Indemnity Company20346DEAdmitted (licensed)Personal auto, Equipment breakdown, Commercial package (BOP, CMP) +7 more
Palomar Specialty Insurance Company20338ORAdmitted (licensed)Earthquake, Farm and crop, Flood +3 more
Peerless Indemnity Insurance Company18333ILAdmitted (licensed)Earthquake, Homeowners, Inland marine
Pennsylvania Lumbermen's Mutual Insurance Company14974PAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +5 more
Pharmacists Mutual Insurance Company13714IAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +6 more
Property and Casualty Insurance Company of Hartford34690INAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +5 more
RSUI Indemnity Company22314NHAdmitted (licensed)Earthquake, Inland marine, General liability +1 more
Safeco Insurance Company of Illinois39012ILAdmitted (licensed)Personal auto, Crime (burglary and theft), Earthquake +4 more
Safeco Insurance Company of Oregon11071ORAdmitted (licensed)Personal auto, Commercial package (BOP, CMP), Earthquake +4 more
Sentry Insurance Company24988WIAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +7 more
Sentry Select Insurance Company21180WIAdmitted (licensed)Personal auto, Commercial auto, Earthquake +6 more
SOMPO AMERICA FIRE \u0026 MARINE INSURANCE COMPANY38997NYAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +5 more
Standard Fire Insurance Company (The)19070CTAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +6 more
State Farm Fire and Casualty Company25143ILAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +11 more
Stillwater Property and Casualty Insurance Company16578NYAdmitted (licensed)Personal auto, Earthquake, Flood +4 more
Swiss Re Corporate Solutions America Insurance Corporation29874MOAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +7 more
Swiss Re Corporate Solutions Elite Insurance Corporation29700MOAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +6 more
Teachers Insurance Company22683ILAdmitted (licensed)Earthquake, Homeowners, Inland marine
Transportation Insurance Company20494ILAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +6 more
Travelers Commercial Insurance Company36137CTAdmitted (licensed)Earthquake, Homeowners, Inland marine +1 more
Travelers Home and Marine Insurance Company (The)27998CTAdmitted (licensed)Earthquake, Homeowners, Inland marine +2 more
Travelers Indemnity Company (The)25658CTAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +8 more
Travelers Indemnity Company of America (The)25666CTAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +9 more
Travelers Indemnity Company of Connecticut (The)25682CTAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +7 more
Travelers Personal Insurance Company38130CTAdmitted (licensed)Earthquake, Homeowners, Inland marine +2 more
Travelers Property Casualty Company of America25674CTAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +10 more
Truck Insurance Exchange21709CAAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +4 more
Trumbull Insurance Company27120CTAdmitted (licensed)Personal auto, Commercial auto, Earthquake +4 more
Union Insurance Company25844IAAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +10 more
United Services Automobile Association, USAA Reciprocal, Attorney-in-fact25941TXAdmitted (licensed)Personal auto, Earthquake, Homeowners +3 more
USAA Casualty Insurance Company25968TXAdmitted (licensed)Personal auto, Earthquake, Homeowners +3 more
USAA General Indemnity Company18600TXAdmitted (licensed)Personal auto, Earthquake, Flood +4 more
West American Insurance Company44393INAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +8 more
XL Insurance America, Inc.24554DEAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +7 more
Zurich American Insurance Company16535NYAdmitted (licensed)Personal auto, Equipment breakdown, Commercial auto +11 more
Zurich American Insurance Company of Illinois27855ILAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +4 more
Turned down?

Last resort for earthquake in Oregon

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 Oregon insurance regulator company list, read 2026-10-18 and the surplus lines list. Admitted = companies in Oregon DFR's 2025 market-share PDFs (property-casualty-totals.pdf plus the per-line PDFs linked from the financial-statements page). Some per-line PDFs (the life ones) still show 2024 data. Only insurers authorized in Oregon appear and companies with zero Oregon premium are excluded, so a licensed company that wrote nothing is missing. Names are NAIC short names (Ins Co, Amer, Natl). type comes from which reports list the company (Property & Casualty first, then Accident & Health, Life, Title); lines are the 'Line of Business' headers of the per-line PDFs the company appears in, spelled as published. since is not published. Surplus lines = SLAOR's eligible insurer listing (current names only; 78 former-name history rows and the 'MISCELLANEOUS - requires prior approval' placeholder dropped). It has no NAIC codes, domicile or eligibility dates, and none of its insurers appear in the DFR market-share PDFs, so naic is empty and must be filled by name in the merge. alien is a heuristic: foreign corporate suffix (Ltd/SE/AG/S.A./DAC/Club...), a US process-agent law firm as the address, or no US city/state/zip on file. "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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