Modern two-story house with a pool
Directory · South Dakota · Commercial package (BOP, CMP)

Who writes commercial package (BOP, CMP) in South Dakota

Ranked by direct premium written in 2025 from the South Dakota market share report (every company, not a top-N list).

217 companies wrote commercial package (BOP, CMP) in South Dakota in 2025, $279.1M in direct premium. State Farm Fire and Casualty Company led with 11.4%; the top five hold 33%.

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

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

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

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
1State Farm Group$32.0M10.81%81%State Farm Mutual Automobile Insurance Company, State Farm Fire and Casualty Company, State Farm Lloyds, State Farm General Insurance Company
2Auto Owners Group$28.4M9.62%37%Auto-Owners Insurance Company, Owners Insurance Company, California Capital Insurance Company, Monterey Insurance Company
3Wr Berkley Corporation Group$21.5M7.26%19%Berkley Assurance Company, Berkley National Insurance Company, Carolina Casualty Insurance Company, StarNet Insurance Company
4Nationwide Corporation Group$21.0M7.10%63%Nationwide Mutual Insurance Company, Nationwide Insurance Company of America, National Casualty Company, Nationwide General Insurance Company
5Travelers Group$19.0M6.43%36%Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
6ACUITY, A Mutual Insurance Company$17.4M5.90%11%—
7Midwest Family Group$15.0M5.07%25%Midwest Family Mutual Insurance Company, Midwest Family Advantage Insurance Company
8United Fire & Casualty Group$12.0M4.05%127%UNITED FIRE \u0026 CASUALTY COMPANY, United Fire Lloyds, Financial Pacific Insurance Company, Addison Insurance Company
9Cincinnati Financial Group$8.2M2.76%14%Cincinnati Insurance Company (The), Cincinnati Casualty Company (The), Cincinnati Indemnity Company (The), Cincinnati Specialty Underwriters Insurance Company (The)
10American International Group$8.1M2.74%54%National Union Fire Insurance Company of Pittsburgh, Pennsylvania, AIG Property Casualty Company, Lexington Insurance Company, AIU Insurance Company
Commercial package (BOP, CMP) · South Dakota

The companies

#CompanyNAICHome stateStatus herePremiumShare
1State Farm Fire and Casualty Company25143ILAdmitted (licensed)$32.0M11.45%
2ACUITY, A Mutual Insurance Company14184WIAdmitted (licensed)$17.4M6.25%
3Owners Insurance Company32700OHAdmitted (licensed)$15.5M5.57%
4Midwest Family Mutual Insurance Company23574IAAdmitted (licensed)$15.0M5.36%
5Auto-Owners Insurance Company18988MIAdmitted (licensed)$11.7M4.20%
6UNITED FIRE \u0026 CASUALTY COMPANY13021IAAdmitted (licensed)$8.7M3.11%
7Grinnell Mutual Reinsurance Company, SI14117IAAdmitted (licensed)$7.3M2.62%
8Cincinnati Insurance Company (The)10677OHAdmitted (licensed)$7.2M2.56%
9Crestbrook Insurance Company18961OHAdmitted (licensed)$6.9M2.49%
10Acadia Insurance Company31325IAAdmitted (licensed)$6.2M2.21%
11Farm Bureau Property & Casualty Insurance Company13773IAAdmitted (licensed)$5.8M2.06%
12Nationwide Agribusiness Insurance Company28223IAAdmitted (licensed)$5.7M2.06%
13Federal Insurance Company20281INAdmitted (licensed)$5.1M1.81%
14National Union Fire Insurance Company of Pittsburgh, Pennsylvania19445PAAdmitted (licensed)$4.7M1.67%
15Philadelphia Indemnity Insurance Company18058PAAdmitted (licensed)$4.6M1.65%
16Firemen's Insurance Company of Washington, D. C.21784IAAdmitted (licensed)$4.4M1.57%
17Phoenix Insurance Company, (The)25623CTAdmitted (licensed)$4.1M1.48%
18North Star Mutual Insurance Company14850MNAdmitted (licensed)$4.0M1.45%
19Travelers Property Casualty Company of America25674CTAdmitted (licensed)$3.9M1.39%
20Addison Insurance Company10324IAAdmitted (licensed)$3.3M1.19%
21Continental Western Insurance Company10804IAAdmitted (licensed)$3.2M1.14%
22Church Mutual Insurance Company, S. I.18767WIAdmitted (licensed)$3.1M1.12%
23Brotherhood Mutual Insurance Company13528INAdmitted (licensed)$3.0M1.09%
24Ohio Security Insurance Company24082NHAdmitted (licensed)$3.0M1.08%
25Union Insurance Company25844IAAdmitted (licensed)$3.0M1.07%
26Nationwide Mutual Insurance Company23787OHAdmitted (licensed)$3.0M1.06%
27Columbia Mutual Insurance Company40371MOAdmitted (licensed)$2.9M1.03%
28American Family Insurance Company10386WIAdmitted (licensed)$2.9M1.03%
29Berkley Regional Insurance Company29580IAAdmitted (licensed)$2.7M0.97%
30Markel Insurance Company38970ILAdmitted (licensed)$2.7M0.96%
31Wadena Insurance Company12528IAAdmitted (licensed)$2.6M0.93%
32Western Agricultural Insurance Company27871IAAdmitted (licensed)$2.2M0.79%
33Property and Casualty Insurance Company of Hartford34690INAdmitted (licensed)$2.2M0.79%
34Charter Oak Fire Insurance Company, (The)25615CTAdmitted (licensed)$2.2M0.79%
35Hartford Underwriters Insurance Company30104CTAdmitted (licensed)$2.1M0.77%
36Travelers Indemnity Company of America (The)25666CTAdmitted (licensed)$1.9M0.67%
37Atlantic States Insurance Company22586PAAdmitted (licensed)$1.8M0.65%
38Fidelity and Guaranty Insurance Company35386IAAdmitted (licensed)$1.8M0.65%
39Federated Mutual Insurance Company13935MNAdmitted (licensed)$1.7M0.60%
40Association Casualty Insurance Company35629TXAdmitted (licensed)$1.7M0.59%
41American Southern Home Insurance Company41998FLAdmitted (licensed)$1.6M0.57%
42Nationwide Mutual Insurance Company10723OHAdmitted (licensed)$1.5M0.56%
43Pennsylvania Manufacturers' Association Insurance Company12262PAAdmitted (licensed)$1.5M0.53%
44Midvale Indemnity Company27138WIAdmitted (licensed)$1.3M0.48%
45American National Property and Casualty Company28401NEAdmitted (licensed)$1.3M0.47%
46Mid-Century Insurance Company21687CAAdmitted (licensed)$1.3M0.47%
47Truck Insurance Exchange21709CAAdmitted (licensed)$1.3M0.47%
48Zurich American Insurance Company16535NYAdmitted (licensed)$1.3M0.46%
49Donegal Mutual Insurance Company13692PAAdmitted (licensed)$1.2M0.42%
50Berkshire Hathaway Homestate Insurance Company20044NEAdmitted (licensed)$1.2M0.42%
51Travelers Casualty Insurance Company of America19046CTAdmitted (licensed)$1.2M0.42%
52U.S. Specialty Insurance Company29599TXAdmitted (licensed)$1.2M0.42%
53Travelers Indemnity Company (The)25658CTAdmitted (licensed)$1.2M0.42%
54Milbank Insurance Company41653IAAdmitted (licensed)$1.1M0.40%
55Arch Insurance (UK) Limited11150MOAdmitted (licensed)$1.1M0.38%
56Fireman's Fund Insurance Company21873ILAdmitted (licensed)$1.1M0.38%
57Travelers Indemnity Company of Connecticut (The)25682CTAdmitted (licensed)$988,7400.35%
58Allstate Indemnity Company19240ILAdmitted (licensed)$935,1160.34%
59Berkshire Hathaway Specialty Insurance Company22276NEAdmitted (licensed)$855,2830.31%
60Ace American Insurance Company22667PAAdmitted (licensed)$836,3900.30%
61Berkley National Insurance Company38911IAAdmitted (licensed)$802,4580.29%
62American Casualty Company of Reading, Pennsylvania20427PAAdmitted (licensed)$791,8770.28%
63State Automobile Mutual Insurance Company25135OHAdmitted (licensed)$764,3660.27%
64Columbia National Insurance Company19640NEAdmitted (licensed)$694,2290.25%
65Atlantic Specialty Insurance Company27154NYAdmitted (licensed)$667,9390.24%
66Hartford Fire Insurance Company19682CTAdmitted (licensed)$665,1550.24%
67Hanover Insurance Company (The)22292NHAdmitted (licensed)$654,8380.23%
68Triangle Insurance Company, Inc.28535OKAdmitted (licensed)$650,3750.23%
69American Reliable Insurance Company19615AZAdmitted (licensed)$645,7090.23%
70St. Paul Fire and Marine Insurance Company24767CTAdmitted (licensed)$640,8930.23%
71AGCS Marine Insurance Company22837ILAdmitted (licensed)$640,4450.23%
72Farmers Insurance Exchange21652CAAdmitted (licensed)$603,0450.22%
73Standard Fire Insurance Company (The)19070CTAdmitted (licensed)$596,0700.21%
74Great Northern Insurance Company20303INAdmitted (licensed)$561,8690.20%
75AMCO Insurance Company19100IAAdmitted (licensed)$551,7330.20%
76Cincinnati Indemnity Company (The)23280OHAdmitted (licensed)$536,4480.19%
77American Alternative Insurance Corporation19720DEAdmitted (licensed)$532,4930.19%
78Chubb Indemnity Insurance Company12777NYAdmitted (licensed)$500,5940.18%
79AmGUARD Insurance Company42390NEAdmitted (licensed)$494,0660.18%
80Great American Insurance Company16691OHAdmitted (licensed)$486,9540.17%
81Cumis Insurance Society Incorporated10847IAAdmitted (licensed)$481,2960.17%
82Pharmacists Mutual Insurance Company13714IAAdmitted (licensed)$478,1560.17%
83Cincinnati Casualty Company (The)28665OHAdmitted (licensed)$475,9270.17%
84Citizens Insurance Company of America31534MIAdmitted (licensed)$472,4190.17%
85United States Fire Insurance Company21113DEAdmitted (licensed)$471,9410.17%
86Continental Insurance Company, (The)35289PAAdmitted (licensed)$471,9290.17%
87Continental Casualty Company20443ILAdmitted (licensed)$468,1330.17%
88Ace Property and Casualty Insurance Company20699PAAdmitted (licensed)$432,8640.16%
89Nationwide Insurance Company of America25453OHAdmitted (licensed)$424,8780.15%
90Tri-State Insurance Company of Minnesota31003IAAdmitted (licensed)$405,2640.15%
91Allied Insurance Company of America10127OHAdmitted (licensed)$394,3290.14%
92StarNet Insurance Company40045IAAdmitted (licensed)$383,8450.14%
93Nationwide Property and Casualty Insurance Company37877OHAdmitted (licensed)$380,3970.14%
94GuideOne Insurance Company15032IAAdmitted (licensed)$368,6900.13%
95American Fire and Casualty Company24066NHAdmitted (licensed)$368,6730.13%
96Transportation Insurance Company20494ILAdmitted (licensed)$367,7890.13%
97Nova Casualty Company42552NYAdmitted (licensed)$366,3880.13%
98Liberty Mutual Fire Insurance Company23035WIAdmitted (licensed)$364,0580.13%
99United Financial Casualty Company11770OHAdmitted (licensed)$361,7490.13%
100Granite State Insurance Company23809ILAdmitted (licensed)$358,0390.13%
101Glencar Insurance Company12254WIAdmitted (licensed)$350,8680.13%
102Nationwide General Insurance Company23760OHAdmitted (licensed)$347,4020.12%
103Hanover American Insurance Company (The)36064NHAdmitted (licensed)$340,6820.12%
104Fire Insurance Exchange Fire Underwriters Association21660CAAdmitted (licensed)$337,4180.12%
105Everett Cash Mutual Insurance Company17043PAAdmitted (licensed)$330,3410.12%
106St. Paul Guardian Insurance Company24775CTAdmitted (licensed)$327,9310.12%
107American West Insurance Company44270NDAdmitted (licensed)$325,1160.12%
108Wesco Insurance Company25011DEAdmitted (licensed)$319,0680.11%
109Valley Forge Insurance Company20508PAAdmitted (licensed)$290,4830.10%
110Farmers Alliance Mutual Insurance Company19194KSAdmitted (licensed)$289,1400.10%
111Rural Trust Insurance Company11134TXAdmitted (licensed)$262,0010.09%
112EMPLOYERS MUTUAL CASUALTY COMPANY Employers Mutual Casualty Company)21415IAAdmitted (licensed)$228,4600.08%
113Twin City Fire Insurance Company (The)29459INAdmitted (licensed)$226,1170.08%
114National General Insurance Company23728ILAdmitted (licensed)$225,5390.08%
115Liberty Mutual Insurance Company23043MAAdmitted (licensed)$225,0970.08%
116Spinnaker Insurance Company24376ILAdmitted (licensed)$224,7860.08%
117CM Select Insurance Company16203COAdmitted (licensed)$216,2500.08%
118General Insurance Company of America24732NHAdmitted (licensed)$210,9510.08%
119Swiss Re Corporate Solutions Elite Insurance Corporation29700MOAdmitted (licensed)$210,8830.08%
120Sentinel Insurance Company, Limited11000CTAdmitted (licensed)$209,8840.08%
121Lyndon Southern Insurance Company10051DEAdmitted (licensed)$206,1850.07%
122National Fire Insurance Company of Hartford20478ILAdmitted (licensed)$205,2010.07%
123New Hampshire Insurance Company23841ILAdmitted (licensed)$200,5700.07%
124Farmington Casualty Company41483CTAdmitted (licensed)$196,4150.07%
125Hutterian Brethren Mut Ins Corp15455ILAdmitted (licensed)$191,1440.07%
126Housing Authority Property Insurance, a Mutual Company10069VTAdmitted (licensed)$189,7610.07%
127Star Insurance Company18023MIAdmitted (licensed)$170,8850.06%
128Riverport Insurance Company36684IAAdmitted (licensed)$170,1950.06%
129Westfield Insurance Company24112OHAdmitted (licensed)$164,6170.06%
130MIC General Insurance Corporation38660ILAdmitted (licensed)$164,1620.06%
131Federated Service Insurance Company28304MNAdmitted (licensed)$148,8230.05%
132Hartford Casualty Insurance Company29424INAdmitted (licensed)$138,9420.05%
133Vigilant Insurance Company20397NYAdmitted (licensed)$135,2680.05%
134West American Insurance Company44393INAdmitted (licensed)$131,8280.05%
135Intrepid Insurance Company10749IAAdmitted (licensed)$131,1480.05%
136Allmerica Financial Benefit Insurance Company41840MIAdmitted (licensed)$129,4610.05%
137Westchester Fire Insurance Company10030PAAdmitted (licensed)$129,0780.05%
138Massachusetts Bay Insurance Company22306NHAdmitted (licensed)$123,3090.04%
139Security National Insurance Company19879DEAdmitted (licensed)$121,5260.04%
140Technology Insurance Company, Inc.42376DEAdmitted (licensed)$111,5340.04%
141BITCO General Insurance Corporation20095IAAdmitted (licensed)$108,2620.04%
142Indemnity Insurance Company of North America43575PAAdmitted (licensed)$106,6090.04%
143New York Marine and General Insurance Company16608NYAdmitted (licensed)$105,1540.04%
144Ohio Casualty Insurance Company (The)24074NHAdmitted (licensed)$99,7390.04%
145Illinois Casualty Company15571ILAdmitted (licensed)$89,1920.03%
146Housing Enterprise Insurance Company, Inc.11206VTAdmitted (licensed)$85,6590.03%
147Argonaut Insurance Company19801NEAdmitted (licensed)$83,6540.03%
148American Zurich Insurance Company40142ILAdmitted (licensed)$83,2260.03%
149Depositors Insurance Company42587IAAdmitted (licensed)$79,6520.03%
150Great American Assurance Company26344OHAdmitted (licensed)$74,7920.03%
151American Family Home Insurance Company23450FLAdmitted (licensed)$71,3760.03%
152Continental Indemnity Company28258NMAdmitted (licensed)$69,6660.02%
153Milford Casualty Insurance Company26662DEAdmitted (licensed)$69,5100.02%
154Chiron Insurance Company16356IAAdmitted (licensed)$65,4950.02%
155Utica Mutual Insurance Company25976NYAdmitted (licensed)$62,3810.02%
156STATE AUTO PROPERTY \u0026 CASUALTY INSURANCE COMPANY25127IAAdmitted (licensed)$59,1200.02%
157Obsidian Pacific Insurance Company26395DEAdmitted (licensed)$57,2710.02%
158Safeco Insurance Company of America24740NHAdmitted (licensed)$54,5360.02%
159BCS Insurance Company38245OHAdmitted (licensed)$52,2760.02%
160GuideOne Specialty Insurance Company14559IAAdmitted (licensed)$51,3880.02%
161American Guarantee and Liability Insurance Company26247NYAdmitted (licensed)$49,5340.02%
162Aspen American Insurance Company43460TXAdmitted (licensed)$48,4430.02%
163Diamond State Insurance Company42048INAdmitted (licensed)$48,2700.02%
164Everest National Insurance Company10120DEAdmitted (licensed)$48,0440.02%
165Ace Fire Underwriters Insurance Company20702PAAdmitted (licensed)$47,5970.02%
166GuideOne Elite Insurance Company42803IAAdmitted (licensed)$47,1790.02%
167EMCASCO Insurance Company21407IAAdmitted (licensed)$46,2170.02%
168Illinois National Insurance Company23817ILAdmitted (licensed)$41,6910.01%
169Accelerant National Insurance Company10220ARAdmitted (licensed)$40,5490.01%
170Sentry Insurance Company24988WIAdmitted (licensed)$40,2440.01%
171Great American Alliance Insurance Company26832OHAdmitted (licensed)$39,8470.01%
172American Home Assurance Company19380NYAdmitted (licensed)$39,3880.01%
173Markel American Insurance Company28932VAAdmitted (licensed)$39,1200.01%
174Hiscox Insurance Company (Bermuda), Ltd.10200ILAdmitted (licensed)$38,0120.01%
175Benchmark Insurance Company41394KSAdmitted (licensed)$34,5900.01%
176Hartford Accident and Indemnity Company22357CTAdmitted (licensed)$34,4200.01%
177Pacific Employers Insurance Company22748PAAdmitted (licensed)$31,1140.01%
178Lio Insurance Company40550AZAdmitted (licensed)$28,6860.01%
179Accredited Surety and Casualty Company, Inc.26379FLAdmitted (licensed)$28,5590.01%
180BITCO National Insurance Company20109IAAdmitted (licensed)$24,0350.01%
181Mountain States Indemnity Company10177NMAdmitted (licensed)$22,3510.01%
182Stillwater Insurance Company25180CAAdmitted (licensed)$19,3660.01%
183EMC PROPERTY \u0026 CASUALTY COMPANY25186IAAdmitted (licensed)$18,9710.01%
184Acceptance Indemnity Insurance Company20010NEAdmitted (licensed)$16,9470.01%
185Jewelers Mutual Insurance Company, SI14354WIAdmitted (licensed)$16,3570.01%
186Harleysville Insurance Company23582OHAdmitted (licensed)$16,2620.01%
187Chubb National Insurance Company10052INAdmitted (licensed)$16,2330.01%
188Zurich American Insurance Company of Illinois27855ILAdmitted (licensed)$15,0930.01%
189Alaska National Insurance Company38733AKAdmitted (licensed)$15,0770.01%
190Vantapro Specialty Insurance Company44768ARAdmitted (licensed)$14,9100.01%
191National Casualty Company11991OHAdmitted (licensed)$14,5950.01%
192CRUM \u0026 FORSTER INDEMNITY COMPANY31348DEAdmitted (licensed)$14,4080.01%
193Fidelity and Deposit Company of Maryland (The)39306ILAdmitted (licensed)$14,2490.01%
194Everspan Insurance Company24961AZAdmitted (licensed)$13,6570.00%
195RLI Insurance Company13056ILAdmitted (licensed)$12,0920.00%
196St. Paul Mercury Insurance Company24791CTAdmitted (licensed)$11,7340.00%
197Garrison Property and Casualty Insurance Company21253TXAdmitted (licensed)$9,9660.00%
198National Interstate Insurance Company32620OHAdmitted (licensed)$7,5030.00%
199Navigators Insurance Company42307NYAdmitted (licensed)$6,7110.00%
200Great American Spirit Insurance Company33723OHAdmitted (licensed)$5,8290.00%
201Ascot Insurance Company23752COAdmitted (licensed)$4,8550.00%
202AmTrust Insurance Company15954DEAdmitted (licensed)$4,5610.00%
203Dakota Fire Insurance Company10863NDAdmitted (licensed)$4,4300.00%
204Amerisure Insurance Company19488MIAdmitted (licensed)$4,0480.00%
205Great American Insurance Company of New York22136NYAdmitted (licensed)$3,8430.00%
206American Federation Insurance Company10245TXAdmitted (licensed)$3,7350.00%
207Western National Mutual Insurance Company15377MNAdmitted (licensed)$3,2510.00%
208National Specialty Insurance Company22608TXAdmitted (licensed)$2,2240.00%
209Midwest Employers Casualty Company23612IAAdmitted (licensed)$1,3690.00%
210Vanliner Insurance Company21172OHAdmitted (licensed)$9950.00%
211Tokio Marine America Insurance Company10945NYAdmitted (licensed)$6370.00%
212Triassic Insurance Company29734MIAdmitted (licensed)$5000.00%
213Pacific Indemnity Company20346DEAdmitted (licensed)$2560.00%
214AXIS Insurance Company37273ILAdmitted (licensed)$2500.00%
215Seneca Insurance Company Incorporated10936NYAdmitted (licensed)$1200.00%
216Amerisure Mutual Insurance Company23396MIAdmitted (licensed)$660.00%
217Mitsui Sumitomo Insurance Company of America20362NYAdmitted (licensed)$530.00%
Turned down?

Last resort for commercial package (BOP, CMP) in South Dakota

Last resortLinesWhereHow to get in
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

Source: the South Dakota insurance regulator company list, read 2026-10-18. SD publishes no licensing roster. This is the SD Division of Insurance market share report set for 2025 (NAIC i-site, CodeList Basis: Licensed): every licensed company that reported SD direct premium on its 2025 annual statement, so licensed companies with no SD premium are absent. type = statement type of the total report(s) the company appears in (Property & Casualty / Life / Health / Title; Life covers both the Life & Annuity and the Life A&H totals). lines = SD per-line reports in which the company wrote direct premium > 0, named as the report headers name them (P&C lines plus the A&H lines filed on P&C/Life statements). Farm mutuals sheet (no NAIC codes) and the 'all statement types' aggregates skipped. No surplus lines eligibility list is published by SD (surplus lines filings go through the SLIP+ clearinghouse). 1 company(ies) found only in a per-line report, not in any total, left out: 38920 Kinsale Ins Co (Aircraft - All Perils). "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.

Need commercial package (BOP, CMP) in South Dakota?

Someone will insure it. I find who.

Send what you need covered and what happened before. I match it to the companies that take it, down to the last-resort plan if it comes to that. I'm licensed in 48 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida and Washington, where my licenses are still being issued, a partner agency in your state helps in the meantime.

Not shopping yet?

Get a reminder before your renewal.

Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.