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Directory · Pennsylvania · Workers' compensation

Who writes workers' compensation 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.

Zurich Insurance Group wrote the most workers' compensation in Pennsylvania in 2025, $195.1M and 7.7% of the state's premium; the top five groups hold 31%. 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: 16 - Workers Compensation

The insurer groups that write the most workers' compensation 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 groupPremium writtenShareLoss ratioMember companies here
1Zurich Insurance Group$195.1M7.67%47%Zurich American Insurance Company, Rural Community Insurance Company, American Zurich Insurance Company, American Guarantee and Liability Insurance Company
2Amtrust Financial Serv Group$164.6M6.47%68%Wesco Insurance Company, Technology Insurance Company, Inc., Security National Insurance Company, AmTrust Insurance Company
3Travelers Group$154.8M6.08%48%Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
4Erie Insurance Group$144.6M5.68%66%Erie Insurance Exchange, Erie Insurance Company, Flagship City Insurance Company, Erie Insurance Company of New York
5Encova Mutual Insurance Group$137.3M5.39%49%PinnaclePoint Insurance Company, Motorists Commercial Mutual Insurance Company, BrickStreet Mutual Insurance Company, MICO Insurance Company
6Hartford Fire & Casualty Group$135.3M5.32%49%Hartford Fire Insurance Company, Hartford Underwriters Insurance Company, Hartford Casualty Insurance Company, Twin City Fire Insurance Company (The)
7Upmc Hlth System Group$101.5M3.99%63%UPMC Health Benefits, Inc., UPMC Work Alliance, Inc., WorkPartners National Inc.
8Chubb Ltd Group$97.0M3.81%50%Federal Insurance Company, Ace American Insurance Company, Ace Property and Casualty Insurance Company, Chubb Lloyd's Insurance Company of Texas
9Proassurance Corporation Group$94.6M3.72%86%NORCAL Insurance Company, ProAssurance Indemnity Company, Inc., ProAssurance Insurance Company of America, Allied Eastern Indemnity Company
10Old Republic Group$85.7M3.37%52%Old Republic Insurance Company, Great West Casualty Company, BITCO General Insurance Corporation, Pennsylvania Manufacturers' Association Insurance Company
Turned down?

Last resort for workers' compensation in Pennsylvania

Last resortLinesWhereHow to get in
Workers' comp residual marketsworkers' compNCCI pools in 27 jurisdictions; monopolistic state funds in ND, OH, WA, WY; CA State Compensation Insurance Fund is the statutory last resortNCCI online application (ACORD 130 and 133); NCCI's VCAP flags voluntary carriers interested in the risk; NC and MA use their own systems Texas has no residual market (coverage is optional for most Texas employers).Source
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

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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