
Who writes umbrella and excess in Oregon
From the Oregon company list; alphabetical, since Oregon doesn't publish every company's premium by line.
15 insurers are licensed for umbrella and excess in Oregon on the regulator's list.
By Sam Alishahi, independent insurance broker · All lines in Oregon
The companies
| Company | NAIC | Home state | Status here | Lines |
|---|---|---|---|---|
| Ace American Insurance Company | 22667 | PA | Admitted (licensed) | Aircraft and aviation, Personal auto, Equipment breakdown +15 more |
| Arch Insurance (UK) Limited | 11150 | MO | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +12 more |
| Benchmark Insurance Company | 41394 | KS | Admitted (licensed) | Personal auto, Commercial auto, Commercial package (BOP, CMP) +3 more |
| Everest National Insurance Company | 10120 | DE | Admitted (licensed) | Personal auto, Commercial auto, Commercial package (BOP, CMP) +6 more |
| Gray Insurance Company (The) | 36307 | LA | Admitted (licensed) | Surety bonds, Umbrella and excess, Workers' compensation |
| Great West Casualty Company | 11371 | NE | Admitted (licensed) | Personal auto, Commercial auto, Inland marine +3 more |
| Incline Casualty Company | 11090 | TX | Admitted (licensed) | Personal auto, Commercial auto, General liability +2 more |
| Liberty Mutual Fire Insurance Company | 23035 | WI | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +10 more |
| Mitsui Sumitomo Insurance USA Inc. | 22551 | NY | Admitted (licensed) | Personal auto, Commercial auto, Commercial package (BOP, CMP) +7 more |
| National Union Fire Insurance Company of Pittsburgh, Pennsylvania | 19445 | PA | Admitted (licensed) | Aircraft and aviation, Personal auto, Equipment breakdown +15 more |
| Old Republic Insurance Company | 24147 | PA | Admitted (licensed) | Aircraft and aviation, Personal auto, Commercial auto +6 more |
| Safety National Casualty Corporation | 15105 | MO | Admitted (licensed) | Personal auto, Commercial auto, General liability +3 more |
| Star Insurance Company | 18023 | MI | Admitted (licensed) | Personal auto, Commercial auto, Commercial package (BOP, CMP) +4 more |
| XL Specialty Insurance Company | 37885 | DE | Admitted (licensed) | Aircraft and aviation, Personal auto, Commercial auto +8 more |
| Zurich American Insurance Company | 16535 | NY | Admitted (licensed) | Personal auto, Equipment breakdown, Commercial auto +11 more |
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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