Directory · Rhode Island · Warranty

Who writes warranty in Rhode Island

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

Zurich Insurance Group wrote the most warranty in Rhode Island in 2025, $2.7M and 63.6% of the state's premium; the top five groups hold 99%. 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: 30 - Warranty

The insurer groups that write the most warranty 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	Zurich Insurance Group	$2.7M	63.58%	69%	Zurich American Insurance Company, Rural Community Insurance Company, American Zurich Insurance Company, American Guarantee and Liability Insurance Company
2	Industrial Alliance Group	$1.3M	30.05%	47%	Dealers Assurance Company
3	Tiptree Financial Group	$196,000	4.60%	98%	Lyndon Southern Insurance Company, Response Indemnity Company of California, Fortegra Specialty Insurance Company, Insurance Company of the South
4	Allianz Insurance Group	$29,000	0.69%	9%	Allianz Global Risks US Insurance Company, Jefferson Insurance Company, Fireman's Fund Insurance Company, AGCS Marine Insurance Company
5	Old Republic Group	$24,000	0.57%	14%	Old Republic Insurance Company, Great West Casualty Company, BITCO General Insurance Corporation, Pennsylvania Manufacturers' Association Insurance Company
6	Nationwide Corporation Group	$10,000	0.23%	—	Nationwide Mutual Insurance Company, Nationwide Insurance Company of America, National Casualty Company, Nationwide General Insurance Company
7	Amtrust Financial Serv Group	$8,000	0.19%	365%	Wesco Insurance Company, Technology Insurance Company, Inc., Security National Insurance Company, AmTrust Insurance Company
8	Starr Group	$3,000	0.06%	27%	STARR INDEMNITY \u0026 LIABILITY COMPANY, Starr Surplus Lines Insurance Company, Starr Specialty Insurance Company
9	Au Holding Co. Group	$1,000	0.02%	—	\|Texas Insurance Company, Continental Indemnity Company, Pennsylvania Insurance Company, California Insurance Company
10	Cna Insurance Group	$0	0.00%	238%	Continental Casualty Company, Continental Insurance Company, (The), American Casualty Company of Reading, Pennsylvania, National Fire Insurance Company of Hartford

Turned down?

Last resort for warranty 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.

Open to use. Cite "Alishahi Insurance insurance company directory" and link here. CSV · JSON.

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