Directory · Rhode Island · Commercial package (BOP, CMP)

Who writes commercial package (BOP, CMP) in Rhode Island

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

Travelers Group wrote the most commercial package (BOP, CMP) in Rhode Island in 2025, $30.4M and 10.4% of the state's premium; the top five groups hold 38%. Rhode Island'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 Rhode Island page.

By Sam Alishahi, independent insurance broker · All lines in Rhode Island

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

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

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	Travelers Group	$30.4M	10.44%	10%	Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
2	Hartford Fire & Casualty Group	$26.6M	9.15%	74%	Hartford Fire Insurance Company, Hartford Underwriters Insurance Company, Hartford Casualty Insurance Company, Twin City Fire Insurance Company (The)
3	Tokio Marine Holdings Inc Group	$19.3M	6.62%	27%	Philadelphia Indemnity Insurance Company, Privilege Underwriters Reciprocal Exchange, PURE Risk Mgt, Atty-in-Fact, Safety National Casualty Corporation, Producers Agriculture Insurance Company
4	Markel Group	$17.4M	5.98%	301%	State National Insurance Company, Inc., Markel Insurance Company, Markel American Insurance Company, Essentia Insurance Company
5	Vermont Mutual Group	$16.3M	5.61%	14%	Granite Security Insurance Company, Northern Security Insurance Company, Inc., Vermont Mutual Insurance Company
6	Chubb Ltd Group	$15.8M	5.43%	54%	Federal Insurance Company, Ace American Insurance Company, Ace Property and Casualty Insurance Company, Chubb Lloyd's Insurance Company of Texas
7	Arbella Insurance Group	$12.8M	4.39%	38%	Arbella Indemnity Insurance Company, Inc., Arbella Mutual Insurance Company, Arbella Protection Insurance Company, Inc., Covenant Insurance Company
8	Greater Ny Group	$9.9M	3.41%	25%	Insurance Company of Greater New York, Greater New York Mutual Insurance Company, Strathmore Insurance Company, GNY Custom Insurance Company
9	Allstate Insurance Group	$9.0M	3.09%	55%	Allstate Vehicle and Property Insurance Company, Allstate Fire and Casualty Insurance Company, Allstate Northbrook Indemnity Company, Allstate North American Insurance Company
10	The Hanover Insurance Group	$8.9M	3.07%	29%	Hanover Insurance Company (The), Allmerica Financial Benefit Insurance Company, Massachusetts Bay Insurance Company, Citizens Insurance Company of America

Turned down?

Last resort for commercial package (BOP, CMP) in Rhode Island

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

Source: the Rhode Island insurance regulator company list, read 2026-10-18 and the surplus lines list. Admitted = RI DBR 'Property & Casualty Insurers' roster (Report Date October 2, 2026, Company Count 840): a category list of licensed P&C insurers with NAIC codes; no per-line authority, no license dates, no domicile (type is the roster category; domicile/type overridden from the RI_Domestics companion list for the 29 RI domestics). Life/health insurers are on separate DBR lists and are not included. Surplus lines = 'Registered US Domiciled Surplus Lines Insurer' list (Report Date October 2, 2026, Company Count 212); RI defers non-US insurers to the NAIC IID Quarterly Listing of Alien Insurers, so alien=true only for the few legacy no-NAIC UK entries still on the list. No eligibility dates given. address/phone kept as extra fields. surplus: the PDF carries 48 stale rows after the alphabetical list ends (older render left in the file; dropped). Stale-only entries not in the current list: Specialty Surplus Insurance Company [11622]; Sunderland Marine Mutual Insurance Company, Ltd. [no NAIC]; Through Transport Mutual Insurance Association Limited [no NAIC]; Tokio Marine Europe Insurance Limited [no NAIC]; TT Club Mutual Insurance Limited [no NAIC]; ULLICO Casualty Company (In Liquidation) [37893]; Underwriters at Lloyd's, London [no NAIC]; Velocity Speciality Insurance Company [39640]; Western Heritage Insurance Company [37150]; York Insurance Company of Maine [31267]; ZC Specialty Insurance Company [24317]; Zurich Specialties London Limited [no NAIC]. "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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