Directory · Utah · Farm and crop

Who writes farm and crop in Utah

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

Qbe Insurance Group wrote the most farm and crop in Utah in 2025, $20.2M and 37.0% of the state's premium; the top five groups hold 92%. Utah'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 Utah page.

By Sam Alishahi, independent insurance broker · All lines in Utah

Top 10 · NAIC table: 02.2 - Multiple Peril Crop

The insurer groups that write the most farm and crop in Utah

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	Qbe Insurance Group	$20.2M	36.99%	153%	NAU Country Insurance Company, QBE Insurance (Europe) Limited, Praetorian Insurance Company, QBE Specialty Insurance Company
2	Iowa Farm Bureau Group	$12.5M	22.86%	130%	Farm Bureau Property & Casualty Insurance Company, Western Agricultural Insurance Company
3	Tokio Marine Holdings Inc Group	$8.3M	15.16%	101%	Philadelphia Indemnity Insurance Company, Privilege Underwriters Reciprocal Exchange, PURE Risk Mgt, Atty-in-Fact, Safety National Casualty Corporation, Producers Agriculture Insurance Company
4	Chubb Ltd Group	$6.9M	12.59%	127%	Federal Insurance Company, Ace American Insurance Company, Ace Property and Casualty Insurance Company, Chubb Lloyd's Insurance Company of Texas
5	Clear Blue Financial Group	$2.1M	3.93%	127%	Clear Blue Insurance Company, Rock Ridge Insurance Company, Highlander Specialty Insurance Company, Clear Blue Specialty Insurance Company
6	Palomar Holdings Group	$2.1M	3.76%	3%	Palomar Specialty Insurance Company, Palomar Excess and Surplus Insurance Company, First Indemnity of America Insurance Company, Laulima Exchange
7	Sompo Group	$1.1M	2.01%	159%	American Agri-Business Insurance Company, Endurance Assurance Corporation, Endurance American Insurance Company, Sompo America Insurance Company
8	American Financial Group	$822,000	1.51%	151%	Great American Insurance Company, Great American Assurance Company, National Interstate Insurance Company, Great American Alliance Insurance Company
9	Zurich Insurance Group	$362,000	0.66%	80%	Zurich American Insurance Company, Rural Community Insurance Company, American Zurich Insurance Company, American Guarantee and Liability Insurance Company
10	Farmers Mutual Hail Insurance Group	$284,000	0.52%	152%	Farmers Mutual Hail Insurance Company of Iowa, FMH Ag Risk Insurance Company

Turned down?

Last resort for farm and crop in Utah

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 Utah insurance regulator company list, read 2026-10-18 and the surplus lines list. Source: Utah Insurance Department 2024 Annual Report (PDF; pages are laid out rotated 90 degrees and were parsed from character coordinates). ADMITTED = the report's Licensed Insurer Directory: every licensed company of every kind, with no NAIC code, no lines of authority and no company type; 'domicile' is its State Of Domicile column. 'type' was derived by this script, not printed by the Department: exact name match to the Domestic Insurer Directory (its Type column: P&C, Life, HMO, LHSO, Title), else an abbreviation-aware name match to the report's financial tables: Table E = P&C, Table F = Life/A&H, Table G = Title, Table H = Motor Club, Table I (health statement filers) by its sub-section = HMDI, Life/A&H, HMO, P&C or LHSO. Type '' (about 1%) means no confident match or an ambiguous one (e.g. 'United Amer Ins Co' appears in both Table E and F), so a P&C filter should keep '' rows for review. The directory's Date Organized is the incorporation date, not the Utah admission date, so 'since' is blank. SURPLUS LINES = the report's Surplus Lines Insurer Directory: name, mailing address and Type (P&C or L&H) only; no NAIC code, no domicile, no eligibility date. 'alien' is true only when the mailing address is outside the US or the name is a Lloyd's syndicate; Table A counts 244 surplus lines insurers (26 alien) but the directory lists about 100, so alien/IID insurers are largely missing. Names are kept exactly as printed (including the source typo 'Property aAnd Casualty'). "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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