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Directory · Utah · Inland marine

Who writes inland marine in Utah

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

Liberty Mutual Group wrote the most inland marine in Utah in 2025, $40.0M and 12.2% of the state's premium; the top five groups hold 36%. 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: 09.1 - Inland Marine

The insurer groups that write the most inland marine 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
1Liberty Mutual Group$40.0M12.25%51%Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
2Allianz Insurance Group$23.9M7.32%20%Allianz Global Risks US Insurance Company, Jefferson Insurance Company, Fireman's Fund Insurance Company, AGCS Marine Insurance Company
3Zurich Insurance Group$19.8M6.06%24%Zurich American Insurance Company, Rural Community Insurance Company, American Zurich Insurance Company, American Guarantee and Liability Insurance Company
4Minnesota Mutual Group$17.2M5.27%50%Securian Casualty Company, Securian Specialty Lines, Inc.
5Cna Insurance Group$16.7M5.12%39%Continental Casualty Company, Continental Insurance Company, (The), American Casualty Company of Reading, Pennsylvania, National Fire Insurance Company of Hartford
6Chubb Ltd Group$14.8M4.55%12%Federal Insurance Company, Ace American Insurance Company, Ace Property and Casualty Insurance Company, Chubb Lloyd's Insurance Company of Texas
7Fm Group$13.2M4.05%6%Factory Mutual Insurance Company, Affiliated F M Insurance Company, Appalachian Insurance Company
8American International Group$11.4M3.48%—National Union Fire Insurance Company of Pittsburgh, Pennsylvania, AIG Property Casualty Company, Lexington Insurance Company, AIU Insurance Company
9Cincinnati Financial Group$9.1M2.80%38%Cincinnati Insurance Company (The), Cincinnati Casualty Company (The), Cincinnati Indemnity Company (The), Cincinnati Specialty Underwriters Insurance Company (The)
10Generali Group$8.9M2.72%24%Generali (United States Branch)
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Last resort for inland marine 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.

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