Directory · Virginia · Commercial property (fire and allied lines)

Who writes commercial property (fire and allied lines) in Virginia

Top insurer groups from the NAIC market share report; the state's own licensed-company list isn't available in a form a program can read.

Travelers Group wrote the most commercial property (fire and allied lines) in Virginia in 2025, $56.0M and 13.6% of the state's premium; the top five groups hold 46%. Virginia doesn't publish a machine-readable list of every licensed company, so the ranking below is the NAIC's top 10 groups.

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

Top 10 · NAIC table: 02.1 - Allied Lines

The insurer groups that write the most commercial property (fire and allied lines) in Virginia

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	Travelers Group	$56.0M	13.55%	26%	Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
2	United Serv Automobile Assn Group	$50.8M	12.29%	35%	United Services Automobile Association, USAA Reciprocal, Attorney-in-fact, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company
3	Fm Group	$44.8M	10.84%	3%	Factory Mutual Insurance Company, Affiliated F M Insurance Company, Appalachian Insurance Company
4	Zurich Insurance Group	$20.3M	4.91%	103%	Zurich American Insurance Company, Rural Community Insurance Company, American Zurich Insurance Company, American Guarantee and Liability Insurance Company
5	Axa Insurance Group	$19.6M	4.74%	57%	XL Specialty Insurance Company, XL Insurance America, Inc., Greenwich Insurance Company, \|Indian Harbor Insurance Company
6	Selective Insurance Group	$19.5M	4.73%	15%	Selective Insurance Company of America, Selective Insurance Company of the Southeast, Selective Insurance Company of South Carolina, Mesa Underwriters Specialty Insurance Company
7	Assurant Inc Group	$16.0M	3.88%	21%	Virginia Surety Company, Inc., American Bankers Insurance Company of Florida, American Security Insurance Company, Standard Guaranty Insurance Company
8	American International Group	$13.3M	3.21%	29%	National Union Fire Insurance Company of Pittsburgh, Pennsylvania, AIG Property Casualty Company, Lexington Insurance Company, AIU Insurance Company
9	Liberty Mutual Group	$11.4M	2.75%	17%	Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
10	Munich Re Group	$10.6M	2.57%	77%	American Modern Property and Casualty Insurance Company, American Modern Home Insurance Company, American Alternative Insurance Corporation, Next Insurance US Company

Turned down?

Last resort for commercial property (fire and allied lines) in Virginia

Last resort	Lines	Where	How to get in
Property FAIR Plans	dwelling fire, homeowners, commercial property	CA, CO, CT, IL, IN, IA, KS, KY, MN, MO, OH, OR, PA, TX, WI, WV, LA, DE, DC, GA, HI, MD, MA, MI, NJ, NM, NY, NC, RI, VA, FL	Each state's plan; California: broker searches the regular market first, registers on the broker portal (cfpnet.com); a DIC wrap is optional	Source
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

Top insurer groups from the NAIC market share report; the state's own licensed-company list isn't available in a form a program can read. "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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