Who writes equipment breakdown in Washington
The 40 largest writers by premium in 2025 from the Washington Office of the Insurance Commissioner and the Surplus Line Association of Washington market report (a top-40 list, shares of earned premium).
The 40 largest writers of equipment breakdown in Washington in 2025: Factory Mutual Insurance Company led with 23.3% of the state's premium; the top five hold 53%.
By Sam Alishahi, independent insurance broker · All lines in Washington
The companies
| # | Company | NAIC | Home state | Status here | Premium | Share |
|---|---|---|---|---|---|---|
| 1 | Factory Mutual Insurance Company | 21482 | RI | Admitted (licensed) | $10.1M | 23.28% |
| 2 | Travelers Property Casualty Company of America | 25674 | CT | Admitted (licensed) | $4.8M | 10.93% |
| 3 | Hartford Steam Boiler Inspection and Insurance Company (The) | 11452 | CT | Admitted (licensed) | $3.1M | 7.03% |
| 4 | Federal Insurance Company | 20281 | IN | Admitted (licensed) | $2.6M | 6.02% |
| 5 | Affiliated F M Insurance Company | 10014 | RI | Admitted (licensed) | $2.5M | 5.67% |
| 6 | Liberty Mutual Fire Insurance Company | 23035 | WI | Admitted (licensed) | $1.5M | 3.55% |
| 7 | Eagle West Insurance Company | 12890 | CA | Admitted (licensed) | $1.5M | 3.52% |
| 8 | Western National Mutual Insurance Company | 15377 | MN | Admitted (licensed) | $1.4M | 3.31% |
| 9 | Zurich American Insurance Company | 16535 | NY | Admitted (licensed) | $1.4M | 3.21% |
| 10 | Mutual of Enumclaw Insurance Company | 14761 | OR | Admitted (licensed) | $1.2M | 2.85% |
| 11 | Great Northern Insurance Company | 20303 | IN | Admitted (licensed) | $926,000 | 2.13% |
| 12 | National Union Fire Insurance Company of Pittsburgh, Pennsylvania | 19445 | PA | Admitted (licensed) | $826,000 | 1.90% |
| 13 | XL Insurance America, Inc. | 24554 | DE | Admitted (licensed) | $803,000 | 1.84% |
| 14 | Greenwich Insurance Company | 22322 | DE | Admitted (licensed) | $786,000 | 1.81% |
| 15 | Employers Insurance Company of Wausau | 21458 | WI | Admitted (licensed) | $786,000 | 1.81% |
| 16 | Travelers Indemnity Company (The) | 25658 | CT | Admitted (licensed) | $735,000 | 1.69% |
| 17 | Alaska National Insurance Company | 38733 | AK | Admitted (licensed) | $724,000 | 1.66% |
| 18 | Oregon Mutual Insurance Company | 14907 | OR | Admitted (licensed) | $717,000 | 1.65% |
| 19 | American Home Assurance Company | 19380 | NY | Admitted (licensed) | $715,000 | 1.64% |
| 20 | Monterey Insurance Company | 23540 | CA | Admitted (licensed) | $615,000 | 1.41% |
| 21 | Continental Casualty Company | 20443 | IL | Admitted (licensed) | $541,000 | 1.24% |
| 22 | Brotherhood Mutual Insurance Company | 13528 | IN | Admitted (licensed) | $472,000 | 1.08% |
| 23 | Federated Reserve Insurance Company | 16024 | MN | Admitted (licensed) | $447,000 | 1.03% |
| 24 | Hartford Fire Insurance Company | 19682 | CT | Admitted (licensed) | $401,000 | 0.92% |
| 25 | Swiss Re Corporate Solutions Elite Insurance Corporation | 29700 | MO | Admitted (licensed) | $357,000 | 0.82% |
| 26 | Cincinnati Insurance Company (The) | 10677 | OH | Admitted (licensed) | $332,000 | 0.76% |
| 27 | Great American Assurance Company | 26344 | OH | Admitted (licensed) | $321,000 | 0.74% |
| 28 | Pennsylvania Lumbermen's Mutual Insurance Company | 14974 | PA | Admitted (licensed) | $316,000 | 0.73% |
| 29 | Federated Mutual Insurance Company | 13935 | MN | Admitted (licensed) | $264,000 | 0.61% |
| 30 | Western National Assurance Company | 24465 | MN | Admitted (licensed) | $240,000 | 0.55% |
| 31 | SOMPO AMERICA FIRE \u0026 MARINE INSURANCE COMPANY | 38997 | NY | Admitted (licensed) | $239,000 | 0.55% |
| 32 | Nationwide Agribusiness Insurance Company | 28223 | IA | Admitted (licensed) | $232,000 | 0.53% |
| 33 | Ohio Security Insurance Company | 24082 | NH | Admitted (licensed) | $228,000 | 0.52% |
| 34 | Pacific Indemnity Company | 20346 | DE | Admitted (licensed) | $217,000 | 0.50% |
| 35 | Nationwide Mutual Insurance Company | 10723 | OH | Admitted (licensed) | $207,000 | 0.48% |
| 36 | National Fire Insurance Company of Hartford | 20478 | IL | Admitted (licensed) | $199,000 | 0.46% |
| 37 | Union Insurance Company | 25844 | IA | Admitted (licensed) | $184,000 | 0.42% |
| 38 | Nationwide Mutual Insurance Company | 23787 | OH | Admitted (licensed) | $178,000 | 0.41% |
| 39 | Great American Insurance Company | 16691 | OH | Admitted (licensed) | $165,000 | 0.38% |
| 40 | EMPLOYERS MUTUAL CASUALTY COMPANY Employers Mutual Casualty Company) | 21415 | IA | Admitted (licensed) | $164,000 | 0.38% |
Method and source
Source: the Washington Office of the Insurance Commissioner and the Surplus Line Association of Washington company list, read 2026-10-17 and the surplus lines list. Washington's authorized list comes from the OIC's 2025 market report (Appendix D), which leaves out authorized companies with no premium that year. Premiums are in thousands. "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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