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Directory · Utah · Flood

Who writes flood in Utah

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

Palomar Holdings Group wrote the most flood in Utah in 2025, $669,000 and 12.7% of the state's premium; the top five groups hold 49%. 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: 02.5 - Private Flood

The insurer groups that write the most flood 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 groupPremium writtenShareLoss ratioMember companies here
1Palomar Holdings Group$669,00012.68%11%Palomar Specialty Insurance Company, Palomar Excess and Surplus Insurance Company, First Indemnity of America Insurance Company, Laulima Exchange
2Axa Insurance Group$563,00010.67%—XL Specialty Insurance Company, XL Insurance America, Inc., Greenwich Insurance Company, |Indian Harbor Insurance Company
3Berkshire Hathaway Group$526,0009.97%—GEICO General Insurance Company, GEICO Texas County Mutual Insurance Company, GEICO County Mutual Insurance Company, Government Employees Insurance Company
4Liberty Mutual Group$437,0008.27%0%Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
5Swiss Re Group$388,0007.35%12%Swiss Re Corporate Solutions Elite Insurance Corporation, Swiss Re Corporate Solutions America Insurance Corporation, Swiss Re Corporate Solutions Capacity Insurance Corporation, Swiss Re Corporate Solutuions Premier Insurance Corporation
6Allianz Insurance Group$360,0006.82%3%Allianz Global Risks US Insurance Company, Jefferson Insurance Company, Fireman's Fund Insurance Company, AGCS Marine Insurance Company
7Sompo Group$340,0006.45%—American Agri-Business Insurance Company, Endurance Assurance Corporation, Endurance American Insurance Company, Sompo America Insurance Company
8Assurant Inc Group$327,0006.20%—Virginia Surety Company, Inc., American Bankers Insurance Company of Florida, American Security Insurance Company, Standard Guaranty Insurance Company
9American International Group$229,0004.34%84%National Union Fire Insurance Company of Pittsburgh, Pennsylvania, AIG Property Casualty Company, Lexington Insurance Company, AIU Insurance Company
10Arch Insurance Group$220,0004.17%1%Arch Insurance (UK) Limited, Arch Mortgage Insurance Company, Arch Indemnity Insurance Company, Arch Specialty Insurance Company
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Last resort for flood in Utah

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 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.

Open to use. Cite "Alishahi Insurance insurance company directory" and link here. CSV · JSON.

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