Directory · Pennsylvania · Commercial package (BOP, CMP)

Who writes commercial package (BOP, CMP) in Pennsylvania

Top insurer groups from the NAIC market share report; the state's own licensed-company list isn't available in a form a program can read.

Erie Insurance Group wrote the most commercial package (BOP, CMP) in Pennsylvania in 2025, $432.7M and 15.6% of the state's premium; the top five groups hold 39%. Pennsylvania doesn't publish a machine-readable list of every licensed company, so the ranking below is the NAIC's top 10 groups.

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

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

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

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	Erie Insurance Group	$432.7M	15.64%	53%	Erie Insurance Exchange, Erie Insurance Company, Flagship City Insurance Company, Erie Insurance Company of New York
2	Travelers Group	$260.9M	9.43%	51%	Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
3	Tokio Marine Holdings Inc Group	$142.0M	5.13%	28%	Philadelphia Indemnity Insurance Company, Privilege Underwriters Reciprocal Exchange, PURE Risk Mgt, Atty-in-Fact, Safety National Casualty Corporation, Producers Agriculture Insurance Company
4	Chubb Ltd Group	$127.1M	4.59%	61%	Federal Insurance Company, Ace American Insurance Company, Ace Property and Casualty Insurance Company, Chubb Lloyd's Insurance Company of Texas
5	Cincinnati Financial Group	$109.5M	3.96%	40%	Cincinnati Insurance Company (The), Cincinnati Casualty Company (The), Cincinnati Indemnity Company (The), Cincinnati Specialty Underwriters Insurance Company (The)
6	Hartford Fire & Casualty Group	$100.2M	3.62%	52%	Hartford Fire Insurance Company, Hartford Underwriters Insurance Company, Hartford Casualty Insurance Company, Twin City Fire Insurance Company (The)
7	Church Mutual Group	$85.2M	3.08%	41%	Church Mutual Insurance Company, S. I., CM Vantage Specialty Insurance Company, CM Regent Insurance Company, CM Indemnity Insurance Company
8	Donegal Group	$77.3M	2.79%	35%	Donegal Mutual Insurance Company, Atlantic States Insurance Company, Mountain States Indemnity Company, Southern Insurance Company of Virginia
9	Millers Capital Insurance Company	$76.8M	2.78%	47%	—
10	State Farm Group	$69.0M	2.49%	74%	State Farm Mutual Automobile Insurance Company, State Farm Fire and Casualty Company, State Farm Lloyds, State Farm General Insurance Company

Turned down?

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

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

Top insurer groups from the NAIC market share report; the state's own licensed-company list isn't available in a form a program can read. "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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