Directory · South Dakota · Commercial property (fire and allied lines)
Who writes commercial property (fire and allied lines) in South Dakota
Ranked by direct premium written in 2025 from the South Dakota market share report (every company, not a top-N list).
157 companies wrote commercial property (fire and allied lines) in South Dakota in 2025, $152.8M in direct premium. Auto-Owners Insurance Company led with 11.7%; the top five hold 42%.
By Sam Alishahi, independent insurance broker · All lines in South Dakota
Commercial property (fire and allied lines) · South Dakota
The companies
| # | Company | NAIC | Home state | Status here | Premium | Share |
|---|---|---|---|---|---|---|
| 1 | Auto-Owners Insurance Company | 18988 | MI | Admitted (licensed) | $17.9M | 11.70% |
| 2 | ACUITY, A Mutual Insurance Company | 14184 | WI | Admitted (licensed) | $15.3M | 10.02% |
| 3 | Travelers Indemnity Company (The) | 25658 | CT | Admitted (licensed) | $12.8M | 8.35% |
| 4 | North Star Mutual Insurance Company | 14850 | MN | Admitted (licensed) | $10.9M | 7.13% |
| 5 | American National Property and Casualty Company | 28401 | NE | Admitted (licensed) | $7.8M | 5.10% |
| 6 | Factory Mutual Insurance Company | 21482 | RI | Admitted (licensed) | $7.6M | 5.00% |
| 7 | EMPLOYERS MUTUAL CASUALTY COMPANY Employers Mutual Casualty Company) | 21415 | IA | Admitted (licensed) | $6.6M | 4.29% |
| 8 | Zurich American Insurance Company | 16535 | NY | Admitted (licensed) | $5.6M | 3.68% |
| 9 | EMC PROPERTY \u0026 CASUALTY COMPANY | 25186 | IA | Admitted (licensed) | $5.4M | 3.52% |
| 10 | Foremost Insurance Company Grand Rapids, Michigan | 11185 | MI | Admitted (licensed) | $5.2M | 3.38% |
| 11 | American Modern Property and Casualty Insurance Company | 42722 | OH | Admitted (licensed) | $4.0M | 2.63% |
| 12 | Federated Mutual Insurance Company | 13935 | MN | Admitted (licensed) | $3.3M | 2.15% |
| 13 | Safeco Insurance Company of America | 24740 | NH | Admitted (licensed) | $2.9M | 1.87% |
| 14 | Penn Millers Insurance Company | 14982 | PA | Admitted (licensed) | $2.8M | 1.85% |
| 15 | Travelers Property Casualty Company of America | 25674 | CT | Admitted (licensed) | $2.8M | 1.80% |
| 16 | Federated Reserve Insurance Company | 16024 | MN | Admitted (licensed) | $2.4M | 1.60% |
| 17 | United States Liability Insurance Company | 25895 | NE | Admitted (licensed) | $2.3M | 1.51% |
| 18 | Western National Mutual Insurance Company | 15377 | MN | Admitted (licensed) | $2.1M | 1.34% |
| 19 | FMNE Insurance Company | 13889 | NE | Admitted (licensed) | $1.8M | 1.16% |
| 20 | Pennsylvania Lumbermen's Mutual Insurance Company | 14974 | PA | Admitted (licensed) | $1.6M | 1.07% |
| 21 | EMCASCO Insurance Company | 21407 | IA | Admitted (licensed) | $1.6M | 1.06% |
| 22 | Federated Rural Electric Insurance Exchange | 11118 | KS | Admitted (licensed) | $1.5M | 1.01% |
| 23 | Allianz Global Risks US Insurance Company | 35300 | IL | Admitted (licensed) | $1.4M | 0.89% |
| 24 | Employers Insurance Company of Wausau | 21458 | WI | Admitted (licensed) | $1.3M | 0.87% |
| 25 | Obsidian Insurance Company | 35602 | OH | Admitted (licensed) | $1.2M | 0.77% |
| 26 | Standard Guaranty Insurance Company | 42986 | DE | Admitted (licensed) | $1.1M | 0.75% |
| 27 | Swiss Re Corporate Solutions Elite Insurance Corporation | 29700 | MO | Admitted (licensed) | $1.0M | 0.68% |
| 28 | XL Insurance America, Inc. | 24554 | DE | Admitted (licensed) | $962,997 | 0.63% |
| 29 | Sentry Select Insurance Company | 21180 | WI | Admitted (licensed) | $882,457 | 0.58% |
| 30 | Owners Insurance Company | 32700 | OH | Admitted (licensed) | $803,294 | 0.53% |
| 31 | United Services Automobile Association, USAA Reciprocal, Attorney-in-fact | 25941 | TX | Admitted (licensed) | $801,689 | 0.52% |
| 32 | Sentry Insurance Company | 24988 | WI | Admitted (licensed) | $782,289 | 0.51% |
| 33 | Milbank Insurance Company | 41653 | IA | Admitted (licensed) | $778,829 | 0.51% |
| 34 | Nationwide Agribusiness Insurance Company | 28223 | IA | Admitted (licensed) | $750,704 | 0.49% |
| 35 | Nationwide Mutual Insurance Company | 23787 | OH | Admitted (licensed) | $733,063 | 0.48% |
| 36 | Northwest Gf Mut Ins Co | 14885 | SD | Admitted (licensed) | $668,928 | 0.44% |
| 37 | IMT Insurance Company | 14257 | IA | Admitted (licensed) | $664,606 | 0.43% |
| 38 | Center Mut Ins Co | 34606 | ND | Admitted (licensed) | $654,767 | 0.43% |
| 39 | Berkley Regional Insurance Company | 29580 | IA | Admitted (licensed) | $650,207 | 0.43% |
| 40 | Federated Service Insurance Company | 28304 | MN | Admitted (licensed) | $633,921 | 0.41% |
| 41 | Western National Assurance Company | 24465 | MN | Admitted (licensed) | $621,214 | 0.41% |
| 42 | Cincinnati Insurance Company (The) | 10677 | OH | Admitted (licensed) | $607,036 | 0.40% |
| 43 | De Smet Farm Mut Ins Co Of SD | 31445 | SD | Admitted (licensed) | $581,615 | 0.38% |
| 44 | Berkshire Hathaway Homestate Insurance Company | 20044 | NE | Admitted (licensed) | $542,857 | 0.36% |
| 45 | State Automobile Mutual Insurance Company | 25135 | OH | Admitted (licensed) | $501,085 | 0.33% |
| 46 | American Economy Insurance Company | 19690 | IN | Admitted (licensed) | $467,990 | 0.31% |
| 47 | First Liberty Insurance Corporation (The) | 33588 | IL | Admitted (licensed) | $460,398 | 0.30% |
| 48 | Affiliated F M Insurance Company | 10014 | RI | Admitted (licensed) | $435,369 | 0.28% |
| 49 | American Modern Home Insurance Company | 23469 | OH | Admitted (licensed) | $419,600 | 0.27% |
| 50 | Cincinnati Indemnity Company (The) | 23280 | OH | Admitted (licensed) | $393,226 | 0.26% |
| 51 | AMCO Insurance Company | 19100 | IA | Admitted (licensed) | $369,467 | 0.24% |
| 52 | National Farmers Union Property and Casualty Company | 16217 | IL | Admitted (licensed) | $330,698 | 0.22% |
| 53 | Middlesex Insurance Company | 23434 | WI | Admitted (licensed) | $318,748 | 0.21% |
| 54 | AXIS Insurance Company | 37273 | IL | Admitted (licensed) | $318,168 | 0.21% |
| 55 | Berkley National Insurance Company | 38911 | IA | Admitted (licensed) | $301,884 | 0.20% |
| 56 | Addison Insurance Company | 10324 | IA | Admitted (licensed) | $253,979 | 0.17% |
| 57 | USAA General Indemnity Company | 18600 | TX | Admitted (licensed) | $251,130 | 0.16% |
| 58 | Acadia Insurance Company | 31325 | IA | Admitted (licensed) | $244,386 | 0.16% |
| 59 | Pioneer Specialty Insurance Company | 40312 | MN | Admitted (licensed) | $230,895 | 0.15% |
| 60 | Ohio Security Insurance Company | 24082 | NH | Admitted (licensed) | $228,087 | 0.15% |
| 61 | CSAA General Insurance Company | 37770 | IN | Admitted (licensed) | $225,918 | 0.15% |
| 62 | USAA Casualty Insurance Company | 25968 | TX | Admitted (licensed) | $222,040 | 0.15% |
| 63 | HDI Global Insurance Company | 41343 | IL | Admitted (licensed) | $219,603 | 0.14% |
| 64 | Continental Casualty Company | 20443 | IL | Admitted (licensed) | $209,160 | 0.14% |
| 65 | Missouri Valley Mut Ins Co | 27766 | SD | Admitted (licensed) | $204,721 | 0.13% |
| 66 | Cincinnati Casualty Company (The) | 28665 | OH | Admitted (licensed) | $200,571 | 0.13% |
| 67 | Allied Insurance Company of America | 10127 | OH | Admitted (licensed) | $192,422 | 0.13% |
| 68 | UNITED FIRE \u0026 CASUALTY COMPANY | 13021 | IA | Admitted (licensed) | $176,154 | 0.12% |
| 69 | Arch Insurance (UK) Limited | 11150 | MO | Admitted (licensed) | $164,736 | 0.11% |
| 70 | Hanover Insurance Company (The) | 22292 | NH | Admitted (licensed) | $162,844 | 0.11% |
| 71 | RSUI Indemnity Company | 22314 | NH | Admitted (licensed) | $155,930 | 0.10% |
| 72 | Hartford Fire Insurance Company | 19682 | CT | Admitted (licensed) | $154,474 | 0.10% |
| 73 | Grinnell Mutual Reinsurance Company, SI | 14117 | IA | Admitted (licensed) | $147,155 | 0.10% |
| 74 | Ace American Insurance Company | 22667 | PA | Admitted (licensed) | $138,669 | 0.09% |
| 75 | American West Insurance Company | 44270 | ND | Admitted (licensed) | $138,422 | 0.09% |
| 76 | Garrison Property and Casualty Insurance Company | 21253 | TX | Admitted (licensed) | $129,366 | 0.08% |
| 77 | Acceptance Indemnity Insurance Company | 20010 | NE | Admitted (licensed) | $118,917 | 0.08% |
| 78 | Association Casualty Insurance Company | 35629 | TX | Admitted (licensed) | $103,099 | 0.07% |
| 79 | Nationwide Mutual Insurance Company | 10723 | OH | Admitted (licensed) | $102,404 | 0.07% |
| 80 | Liberty Mutual Fire Insurance Company | 23035 | WI | Admitted (licensed) | $102,373 | 0.07% |
| 81 | American Home Assurance Company | 19380 | NY | Admitted (licensed) | $98,974 | 0.06% |
| 82 | Agraria Insurance Company | 32670 | ND | Admitted (licensed) | $90,212 | 0.06% |
| 83 | Insurance Company of the State of Pennsylvania (The) | 19429 | IL | Admitted (licensed) | $87,684 | 0.06% |
| 84 | Charter Oak Fire Insurance Company, (The) | 25615 | CT | Admitted (licensed) | $77,750 | 0.05% |
| 85 | Horace Mann Insurance Company | 22578 | IL | Admitted (licensed) | $72,540 | 0.05% |
| 86 | Wesco Insurance Company | 25011 | DE | Admitted (licensed) | $67,468 | 0.04% |
| 87 | TransGuard Insurance Company of America, Inc. | 28886 | IL | Admitted (licensed) | $56,163 | 0.04% |
| 88 | Falls Lake National Insurance Company | 31925 | OH | Admitted (licensed) | $54,819 | 0.04% |
| 89 | Fidelity and Guaranty Insurance Company | 35386 | IA | Admitted (licensed) | $51,717 | 0.03% |
| 90 | StarNet Insurance Company | 40045 | IA | Admitted (licensed) | $49,421 | 0.03% |
| 91 | Accelerant National Insurance Company | 10220 | AR | Admitted (licensed) | $49,194 | 0.03% |
| 92 | Markel Insurance Company | 38970 | IL | Admitted (licensed) | $48,544 | 0.03% |
| 93 | Swiss Re Corporate Solutions America Insurance Corporation | 29874 | MO | Admitted (licensed) | $46,439 | 0.03% |
| 94 | Atlantic Specialty Insurance Company | 27154 | NY | Admitted (licensed) | $43,435 | 0.03% |
| 95 | State National Insurance Company, Inc. | 12831 | TX | Admitted (licensed) | $40,694 | 0.03% |
| 96 | CRUM \u0026 FORSTER INDEMNITY COMPANY | 31348 | DE | Admitted (licensed) | $38,653 | 0.03% |
| 97 | St. Paul Fire and Marine Insurance Company | 24767 | CT | Admitted (licensed) | $38,066 | 0.02% |
| 98 | West American Insurance Company | 44393 | IN | Admitted (licensed) | $37,522 | 0.02% |
| 99 | Tokio Marine America Insurance Company | 10945 | NY | Admitted (licensed) | $34,111 | 0.02% |
| 100 | Pacific Employers Insurance Company | 22748 | PA | Admitted (licensed) | $33,906 | 0.02% |
| 101 | National American Insurance Company | 23663 | OK | Admitted (licensed) | $32,236 | 0.02% |
| 102 | American Fire and Casualty Company | 24066 | NH | Admitted (licensed) | $32,162 | 0.02% |
| 103 | Colony Specialty Insurance Company | 36927 | NE | Admitted (licensed) | $31,174 | 0.02% |
| 104 | National Union Fire Insurance Company of Pittsburgh, Pennsylvania | 19445 | PA | Admitted (licensed) | $28,460 | 0.02% |
| 105 | Stillwater Insurance Company | 25180 | CA | Admitted (licensed) | $27,928 | 0.02% |
| 106 | STATE AUTO PROPERTY \u0026 CASUALTY INSURANCE COMPANY | 25127 | IA | Admitted (licensed) | $27,170 | 0.02% |
| 107 | Columbia Mutual Insurance Company | 40371 | MO | Admitted (licensed) | $22,956 | 0.02% |
| 108 | New Hampshire Insurance Company | 23841 | IL | Admitted (licensed) | $21,834 | 0.01% |
| 109 | Mitsui Sumitomo Insurance Company of America | 20362 | NY | Admitted (licensed) | $20,730 | 0.01% |
| 110 | Granite State Insurance Company | 23809 | IL | Admitted (licensed) | $20,099 | 0.01% |
| 111 | Nationwide Insurance Company of America | 25453 | OH | Admitted (licensed) | $19,519 | 0.01% |
| 112 | Technology Insurance Company, Inc. | 42376 | DE | Admitted (licensed) | $18,600 | 0.01% |
| 113 | Atain Specialty Insurance Company | 17159 | MI | Admitted (licensed) | $17,681 | 0.01% |
| 114 | Verlan Fire Insurance Company | 10815 | NH | Admitted (licensed) | $17,577 | 0.01% |
| 115 | Fireman's Fund Insurance Company | 21873 | IL | Admitted (licensed) | $16,462 | 0.01% |
| 116 | Hiscox Insurance Company (Bermuda), Ltd. | 10200 | IL | Admitted (licensed) | $14,558 | 0.01% |
| 117 | Union Insurance Company of Providence | 21423 | IA | Admitted (licensed) | $14,177 | 0.01% |
| 118 | Massachusetts Bay Insurance Company | 22306 | NH | Admitted (licensed) | $12,772 | 0.01% |
| 119 | St. Paul Guardian Insurance Company | 24775 | CT | Admitted (licensed) | $12,269 | 0.01% |
| 120 | Imperium Insurance Company | 35408 | TX | Admitted (licensed) | $11,163 | 0.01% |
| 121 | Travelers Indemnity Company of America (The) | 25666 | CT | Admitted (licensed) | $10,970 | 0.01% |
| 122 | Westfield Insurance Company | 24112 | OH | Admitted (licensed) | $10,964 | 0.01% |
| 123 | Continental Insurance Company, (The) | 35289 | PA | Admitted (licensed) | $10,830 | 0.01% |
| 124 | Sompo America Insurance Company | 11126 | NY | Admitted (licensed) | $10,097 | 0.01% |
| 125 | XL Specialty Insurance Company | 37885 | DE | Admitted (licensed) | $9,939 | 0.01% |
| 126 | StarStone National Insurance Company | 25496 | DE | Admitted (licensed) | $7,835 | 0.01% |
| 127 | Phoenix Insurance Company, (The) | 25623 | CT | Admitted (licensed) | $6,549 | 0.00% |
| 128 | Amerisure Mutual Insurance Company | 23396 | MI | Admitted (licensed) | $6,191 | 0.00% |
| 129 | American Casualty Company of Reading, Pennsylvania | 20427 | PA | Admitted (licensed) | $5,360 | 0.00% |
| 130 | Travelers Indemnity Company of Connecticut (The) | 25682 | CT | Admitted (licensed) | $5,247 | 0.00% |
| 131 | Cumis Insurance Society Incorporated | 10847 | IA | Admitted (licensed) | $4,927 | 0.00% |
| 132 | Amica Mutual Insurance Company, The | 19976 | RI | Admitted (licensed) | $4,884 | 0.00% |
| 133 | Illinois National Insurance Company | 23817 | IL | Admitted (licensed) | $4,779 | 0.00% |
| 134 | Atlantic States Insurance Company | 22586 | PA | Admitted (licensed) | $4,739 | 0.00% |
| 135 | American Strategic Insurance Corporation | 10872 | IN | Admitted (licensed) | $3,761 | 0.00% |
| 136 | BITCO General Insurance Corporation | 20095 | IA | Admitted (licensed) | $3,629 | 0.00% |
| 137 | SiriusPoint America Insurance Company | 38776 | NY | Admitted (licensed) | $3,606 | 0.00% |
| 138 | North River Insurance Company (The) | 21105 | NJ | Admitted (licensed) | $3,406 | 0.00% |
| 139 | Union Insurance Company | 25844 | IA | Admitted (licensed) | $3,359 | 0.00% |
| 140 | Nationwide General Insurance Company | 23760 | OH | Admitted (licensed) | $3,143 | 0.00% |
| 141 | American Security Insurance Company | 42978 | DE | Admitted (licensed) | $2,575 | 0.00% |
| 142 | Liberty Mutual Insurance Company | 42404 | IL | Admitted (licensed) | $2,571 | 0.00% |
| 143 | Mitsui Sumitomo Insurance USA Inc. | 22551 | NY | Admitted (licensed) | $2,419 | 0.00% |
| 144 | Hanover American Insurance Company (The) | 36064 | NH | Admitted (licensed) | $2,299 | 0.00% |
| 145 | Dakota Fire Insurance Company | 10863 | ND | Admitted (licensed) | $2,051 | 0.00% |
| 146 | STARR INDEMNITY \u0026 LIABILITY COMPANY | 38318 | TX | Admitted (licensed) | $1,811 | 0.00% |
| 147 | Philadelphia Indemnity Insurance Company | 18058 | PA | Admitted (licensed) | $1,484 | 0.00% |
| 148 | Greystone Insurance Company | 10019 | CT | Admitted (licensed) | $1,098 | 0.00% |
| 149 | AmGUARD Insurance Company | 42390 | NE | Admitted (licensed) | $925 | 0.00% |
| 150 | Ohio Casualty Insurance Company (The) | 24074 | NH | Admitted (licensed) | $806 | 0.00% |
| 151 | Valley Forge Insurance Company | 20508 | PA | Admitted (licensed) | $588 | 0.00% |
| 152 | Hartford Underwriters Insurance Company | 30104 | CT | Admitted (licensed) | $378 | 0.00% |
| 153 | Allmerica Financial Benefit Insurance Company | 41840 | MI | Admitted (licensed) | $250 | 0.00% |
| 154 | Columbia National Insurance Company | 19640 | NE | Admitted (licensed) | $98 | 0.00% |
| 155 | Argonaut Insurance Company | 19801 | NE | Admitted (licensed) | $81 | 0.00% |
| 156 | SOMPO AMERICA FIRE \u0026 MARINE INSURANCE COMPANY | 38997 | NY | Admitted (licensed) | $41 | 0.00% |
| 157 | Berkshire Hathaway Specialty Insurance Company | 22276 | NE | 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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