Directory · South Carolina · Commercial property (fire and allied lines)

Who writes commercial property (fire and allied lines) in South Carolina

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

Berkshire Hathaway Group wrote the most commercial property (fire and allied lines) in South Carolina in 2025, $379.2M and 45.4% of the state's premium; the top five groups hold 58%. South Carolina'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 South Carolina page.

By Sam Alishahi, independent insurance broker · All lines in South Carolina

Top 10 · NAIC table: 01 - Fire

The insurer groups that write the most commercial property (fire and allied lines) in South Carolina

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	Berkshire Hathaway Group	$379.2M	45.41%	27%	GEICO General Insurance Company, GEICO Texas County Mutual Insurance Company, GEICO County Mutual Insurance Company, Government Employees Insurance Company
2	Starr Group	$33.8M	4.04%	13%	STARR INDEMNITY \u0026 LIABILITY COMPANY, Starr Surplus Lines Insurance Company, Starr Specialty Insurance Company
3	Frontline Insurance Group	$28.6M	3.42%	17%	First Protective Insurance Company, Frontline Insurance Unlimited Company
4	Farmers Insurance Group	$24.7M	2.96%	32%	Farmers Insurance Exchange, Foremost Insurance Company Grand Rapids, Michigan, Mid-Century Insurance Company, Fire Insurance Exchange Fire Underwriters Association
5	Assurant Inc Group	$21.8M	2.61%	12%	Virginia Surety Company, Inc., American Bankers Insurance Company of Florida, American Security Insurance Company, Standard Guaranty Insurance Company
6	Allianz Insurance Group	$20.5M	2.45%	—	Allianz Global Risks US Insurance Company, Jefferson Insurance Company, Fireman's Fund Insurance Company, AGCS Marine Insurance Company
7	American International Group	$20.0M	2.39%	104%	National Union Fire Insurance Company of Pittsburgh, Pennsylvania, AIG Property Casualty Company, Lexington Insurance Company, AIU Insurance Company
8	Auto Owners Group	$19.7M	2.36%	41%	Auto-Owners Insurance Company, Owners Insurance Company, California Capital Insurance Company, Monterey Insurance Company
9	Fm Group	$19.4M	2.32%	15%	Factory Mutual Insurance Company, Affiliated F M Insurance Company, Appalachian Insurance Company
10	Arch Insurance Group	$16.7M	2.00%	13%	Arch Insurance (UK) Limited, Arch Mortgage Insurance Company, Arch Indemnity Insurance Company, Arch Specialty Insurance Company

Turned down?

Last resort for commercial property (fire and allied lines) in South Carolina

Last resort	Lines	Where	How to get in
Beach and windstorm pools	wind, homeowners, commercial property	TX, FL, LA, MS, AL, SC, NC	TX TWIA, FL Citizens, LA Citizens, MS Windstorm UA, AL Insurance UA, SC Wind & Hail UA, NC IUA. Each plan's own site	Source
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 South Carolina insurance regulator company list, read 2026-10-18 and the surplus lines list. SC DOI 'List of Insurance Companies Authorized to Transact Business in South Carolina' as of April 2026; one PDF for every company type, so 'admitted' holds all 2509 rows with the Company Type column kept (filter type in Property & Casualty / Casualty / Property / Surety for P&C admitted). The list has no lines of authority, no domicile and no license date: domicile is blank, mail_state is the mailing-address state. surplus_lines = rows typed 'Eligible Surplus Lines Insurer'; alien=true when the NAIC code is blank or the mailing state is outside the US. NAIC codes blank for RPGs, intermediaries, advisory orgs and alien insurers. "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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