Who writes earthquake in South Dakota
Ranked by direct premium written in 2025 from the South Dakota market share report (every company, not a top-N list).
78 companies wrote earthquake in South Dakota in 2025, $630,335 in direct premium. Travelers Indemnity Company (The) led with 19.5%; the top five hold 61%.
By Sam Alishahi, independent insurance broker · All lines in South Dakota
The companies
| # | Company | NAIC | Home state | Status here | Premium | Share |
|---|---|---|---|---|---|---|
| 1 | Travelers Indemnity Company (The) | 25658 | CT | Admitted (licensed) | $122,990 | 19.51% |
| 2 | XL Insurance America, Inc. | 24554 | DE | Admitted (licensed) | $83,382 | 13.23% |
| 3 | Allianz Global Risks US Insurance Company | 35300 | IL | Admitted (licensed) | $78,272 | 12.42% |
| 4 | Factory Mutual Insurance Company | 21482 | RI | Admitted (licensed) | $68,619 | 10.89% |
| 5 | Nationwide Mutual Insurance Company | 23787 | OH | Admitted (licensed) | $28,227 | 4.48% |
| 6 | Atain Specialty Insurance Company | 17159 | MI | Admitted (licensed) | $25,980 | 4.12% |
| 7 | State Farm Fire and Casualty Company | 25143 | IL | Admitted (licensed) | $23,106 | 3.67% |
| 8 | EMPLOYERS MUTUAL CASUALTY COMPANY Employers Mutual Casualty Company) | 21415 | IA | Admitted (licensed) | $21,705 | 3.44% |
| 9 | Zurich American Insurance Company | 16535 | NY | Admitted (licensed) | $19,199 | 3.05% |
| 10 | Ace American Insurance Company | 22667 | PA | Admitted (licensed) | $16,968 | 2.69% |
| 11 | United Services Automobile Association, USAA Reciprocal, Attorney-in-fact | 25941 | TX | Admitted (licensed) | $15,704 | 2.49% |
| 12 | First Liberty Insurance Corporation (The) | 33588 | IL | Admitted (licensed) | $13,067 | 2.07% |
| 13 | Swiss Re Corporate Solutions Elite Insurance Corporation | 29700 | MO | Admitted (licensed) | $12,492 | 1.98% |
| 14 | Employers Insurance Company of Wausau | 21458 | WI | Admitted (licensed) | $11,081 | 1.76% |
| 15 | RSUI Indemnity Company | 22314 | NH | Admitted (licensed) | $8,575 | 1.36% |
| 16 | Travelers Property Casualty Company of America | 25674 | CT | Admitted (licensed) | $7,547 | 1.20% |
| 17 | EMC PROPERTY \u0026 CASUALTY COMPANY | 25186 | IA | Admitted (licensed) | $7,011 | 1.11% |
| 18 | AXIS Insurance Company | 37273 | IL | Admitted (licensed) | $6,719 | 1.07% |
| 19 | Auto-Owners Insurance Company | 18988 | MI | Admitted (licensed) | $4,808 | 0.76% |
| 20 | Farmers Insurance Exchange | 21652 | CA | Admitted (licensed) | $4,722 | 0.75% |
| 21 | Federal Insurance Company | 20281 | IN | Admitted (licensed) | $4,253 | 0.67% |
| 22 | FMNE Insurance Company | 13889 | NE | Admitted (licensed) | $4,160 | 0.66% |
| 23 | USAA Casualty Insurance Company | 25968 | TX | Admitted (licensed) | $3,614 | 0.57% |
| 24 | USAA General Indemnity Company | 18600 | TX | Admitted (licensed) | $3,462 | 0.55% |
| 25 | Great Northern Insurance Company | 20303 | IN | Admitted (licensed) | $2,560 | 0.41% |
| 26 | Owners Insurance Company | 32700 | OH | Admitted (licensed) | $2,483 | 0.39% |
| 27 | Nationwide Agribusiness Insurance Company | 28223 | IA | Admitted (licensed) | $2,440 | 0.39% |
| 28 | National Union Fire Insurance Company of Pittsburgh, Pennsylvania | 19445 | PA | Admitted (licensed) | $2,417 | 0.38% |
| 29 | American Family Mutual Insurance Company, S.I. | 19275 | WI | Admitted (licensed) | $2,338 | 0.37% |
| 30 | Allied Insurance Company of America | 10127 | OH | Admitted (licensed) | $1,909 | 0.30% |
| 31 | Swiss Re Corporate Solutions America Insurance Corporation | 29874 | MO | Admitted (licensed) | $1,555 | 0.25% |
| 32 | Atlantic Specialty Insurance Company | 27154 | NY | Admitted (licensed) | $1,477 | 0.23% |
| 33 | Arch Insurance (UK) Limited | 11150 | MO | Admitted (licensed) | $1,375 | 0.22% |
| 34 | AIG Property Casualty Company | 19402 | IL | Admitted (licensed) | $1,167 | 0.19% |
| 35 | Garrison Property and Casualty Insurance Company | 21253 | TX | Admitted (licensed) | $1,150 | 0.18% |
| 36 | American Family Insurance Company | 10386 | WI | Admitted (licensed) | $1,128 | 0.18% |
| 37 | Nationwide Property and Casualty Insurance Company | 37877 | OH | Admitted (licensed) | $1,092 | 0.17% |
| 38 | Great American Insurance Company | 16691 | OH | Admitted (licensed) | $950 | 0.15% |
| 39 | Federated Service Insurance Company | 28304 | MN | Admitted (licensed) | $909 | 0.14% |
| 40 | Nationwide General Insurance Company | 23760 | OH | Admitted (licensed) | $824 | 0.13% |
| 41 | Liberty Mutual Fire Insurance Company | 23035 | WI | Admitted (licensed) | $687 | 0.11% |
| 42 | EMCASCO Insurance Company | 21407 | IA | Admitted (licensed) | $648 | 0.10% |
| 43 | Nationwide Mutual Insurance Company | 10723 | OH | Admitted (licensed) | $643 | 0.10% |
| 44 | Midwest Family Mutual Insurance Company | 23574 | IA | Admitted (licensed) | $637 | 0.10% |
| 45 | Continental Casualty Company | 20443 | IL | Admitted (licensed) | $633 | 0.10% |
| 46 | Chiron Insurance Company | 16356 | IA | Admitted (licensed) | $577 | 0.09% |
| 47 | Fire Insurance Exchange Fire Underwriters Association | 21660 | CA | Admitted (licensed) | $555 | 0.09% |
| 48 | Travelers Property Casualty Insurance Company | 36161 | CT | Admitted (licensed) | $544 | 0.09% |
| 49 | Trumbull Insurance Company | 27120 | CT | Admitted (licensed) | $503 | 0.08% |
| 50 | Pennsylvania Lumbermen's Mutual Insurance Company | 14974 | PA | Admitted (licensed) | $445 | 0.07% |
| 51 | TravCo Insurance Company | 28188 | CT | Admitted (licensed) | $368 | 0.06% |
| 52 | Middlesex Insurance Company | 23434 | WI | Admitted (licensed) | $345 | 0.05% |
| 53 | Charter Oak Fire Insurance Company, (The) | 25615 | CT | Admitted (licensed) | $333 | 0.05% |
| 54 | Amica Mutual Insurance Company, The | 19976 | RI | Admitted (licensed) | $298 | 0.05% |
| 55 | National Farmers Union Property and Casualty Company | 16217 | IL | Admitted (licensed) | $275 | 0.04% |
| 56 | AMCO Insurance Company | 19100 | IA | Admitted (licensed) | $215 | 0.03% |
| 57 | Farmers Alliance Mutual Insurance Company | 19194 | KS | Admitted (licensed) | $189 | 0.03% |
| 58 | Farmers Group Property and Casualty Insurance Company | 34339 | RI | Admitted (licensed) | $147 | 0.02% |
| 59 | Hanover American Insurance Company (The) | 36064 | NH | Admitted (licensed) | $100 | 0.02% |
| 60 | Economy Premier Assurance Company | 40649 | IL | Admitted (licensed) | $93 | 0.01% |
| 61 | Fireman's Fund Insurance Company | 21873 | IL | Admitted (licensed) | $90 | 0.01% |
| 62 | Alliance Insurance Company, Inc. | 19186 | KS | Admitted (licensed) | $87 | 0.01% |
| 63 | Standard Fire Insurance Company (The) | 19070 | CT | Admitted (licensed) | $83 | 0.01% |
| 64 | Federated Reserve Insurance Company | 16024 | MN | Admitted (licensed) | $75 | 0.01% |
| 65 | Fidelity and Deposit Company of Maryland (The) | 39306 | IL | Admitted (licensed) | $51 | 0.01% |
| 66 | Citizens Insurance Company of America | 31534 | MI | Admitted (licensed) | $45 | 0.01% |
| 67 | Western National Assurance Company | 24465 | MN | Admitted (licensed) | $42 | 0.01% |
| 68 | BITCO General Insurance Corporation | 20095 | IA | Admitted (licensed) | $36 | 0.01% |
| 69 | Nationwide Insurance Company of America | 25453 | OH | Admitted (licensed) | $28 | 0.00% |
| 70 | Federated Mutual Insurance Company | 13935 | MN | Admitted (licensed) | $27 | 0.00% |
| 71 | Grinnell Mutual Reinsurance Company, SI | 14117 | IA | Admitted (licensed) | $27 | 0.00% |
| 72 | Western National Mutual Insurance Company | 15377 | MN | Admitted (licensed) | $18 | 0.00% |
| 73 | Liberty Mutual Insurance Company | 42404 | IL | Admitted (licensed) | $16 | 0.00% |
| 74 | American Casualty Company of Reading, Pennsylvania | 20427 | PA | Admitted (licensed) | $14 | 0.00% |
| 75 | Stillwater Insurance Company | 25180 | CA | Admitted (licensed) | $8 | 0.00% |
| 76 | Great American Assurance Company | 26344 | OH | Admitted (licensed) | $7 | 0.00% |
| 77 | Cincinnati Insurance Company (The) | 10677 | OH | Admitted (licensed) | $6 | 0.00% |
| 78 | Valley Forge Insurance Company | 20508 | PA | Admitted (licensed) | $3 | 0.00% |
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.
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