Who writes commercial package (BOP, CMP) in Washington
The 51 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-51 list, shares of earned premium).
The 51 largest writers of commercial package (BOP, CMP) in Washington in 2025: Ohio Security Insurance Company led with 11.8% of the state's premium; the top five hold 35%.
By Sam Alishahi, independent insurance broker · All lines in Washington
The companies
| # | Company | NAIC | Home state | Status here | Premium | Share |
|---|---|---|---|---|---|---|
| 1 | Ohio Security Insurance Company | 24082 | NH | Admitted (licensed) | $116.7M | 11.85% |
| 2 | Ace American Insurance Company | 22667 | PA | Admitted (licensed) | $61.7M | 6.27% |
| 3 | Philadelphia Indemnity Insurance Company | 18058 | PA | Admitted (licensed) | $60.8M | 6.17% |
| 4 | State Farm Fire and Casualty Company | 25143 | IL | Admitted (licensed) | $57.3M | 5.82% |
| 5 | Hartford Underwriters Insurance Company | 30104 | CT | Admitted (licensed) | $52.9M | 5.37% |
| 6 | Mid-Century Insurance Company | 21687 | CA | Admitted (licensed) | $46.0M | 4.67% |
| 7 | Allstate Indemnity Company | 19240 | IL | Admitted (licensed) | $39.5M | 4.01% |
| 8 | Truck Insurance Exchange | 21709 | CA | Admitted (licensed) | $35.4M | 3.59% |
| 9 | Eagle West Insurance Company | 12890 | CA | Admitted (licensed) | $29.3M | 2.97% |
| 10 | Farmers Insurance Exchange | 21652 | CA | Admitted (licensed) | $25.9M | 2.63% |
| 11 | Wesco Insurance Company | 25011 | DE | Admitted (licensed) | $25.4M | 2.58% |
| 12 | Federal Insurance Company | 20281 | IN | Admitted (licensed) | $23.4M | 2.38% |
| 13 | Travelers Property Casualty Company of America | 25674 | CT | Admitted (licensed) | $21.9M | 2.23% |
| 14 | Farmers Insurance Company of Washington | 21644 | WA | Admitted (licensed) | $19.8M | 2.01% |
| 15 | Cincinnati Insurance Company (The) | 10677 | OH | Admitted (licensed) | $19.6M | 1.99% |
| 16 | Mutual of Enumclaw Insurance Company | 14761 | OR | Admitted (licensed) | $19.2M | 1.95% |
| 17 | West American Insurance Company | 44393 | IN | Admitted (licensed) | $19.0M | 1.93% |
| 18 | Travelers Casualty Insurance Company of America | 19046 | CT | Admitted (licensed) | $18.8M | 1.91% |
| 19 | Fidelity and Guaranty Insurance Company | 35386 | IA | Admitted (licensed) | $18.6M | 1.89% |
| 20 | American Alternative Insurance Corporation | 19720 | DE | Admitted (licensed) | $16.7M | 1.70% |
| 21 | Alaska National Insurance Company | 38733 | AK | Admitted (licensed) | $16.5M | 1.67% |
| 22 | Fireman's Fund Insurance Company | 21873 | IL | Admitted (licensed) | $16.0M | 1.62% |
| 23 | Ohio Casualty Insurance Company (The) | 24074 | NH | Admitted (licensed) | $15.5M | 1.57% |
| 24 | Oregon Mutual Insurance Company | 14907 | OR | Admitted (licensed) | $13.7M | 1.40% |
| 25 | Monterey Insurance Company | 23540 | CA | Admitted (licensed) | $13.7M | 1.39% |
| 26 | National Union Fire Insurance Company of Pittsburgh, Pennsylvania | 19445 | PA | Admitted (licensed) | $13.6M | 1.38% |
| 27 | American Family Insurance Company | 10386 | WI | Admitted (licensed) | $13.1M | 1.33% |
| 28 | COUNTRY Mutual Insurance Company | 20990 | IL | Admitted (licensed) | $12.6M | 1.28% |
| 29 | Brotherhood Mutual Insurance Company | 13528 | IN | Admitted (licensed) | $12.3M | 1.25% |
| 30 | Hartford Fire Insurance Company | 19682 | CT | Admitted (licensed) | $11.0M | 1.12% |
| 31 | Charter Oak Fire Insurance Company, (The) | 25615 | CT | Admitted (licensed) | $10.3M | 1.05% |
| 32 | Travelers Indemnity Company of Connecticut (The) | 25682 | CT | Admitted (licensed) | $10.3M | 1.05% |
| 33 | Massachusetts Bay Insurance Company | 22306 | NH | Admitted (licensed) | $8.7M | 0.88% |
| 34 | Travelers Indemnity Company of America (The) | 25666 | CT | Admitted (licensed) | $8.2M | 0.83% |
| 35 | Housing Authority Property Insurance, a Mutual Company | 10069 | VT | Admitted (licensed) | $7.2M | 0.73% |
| 36 | Church Mutual Insurance Company, S. I. | 18767 | WI | Admitted (licensed) | $7.1M | 0.72% |
| 37 | American Casualty Company of Reading, Pennsylvania | 20427 | PA | Admitted (licensed) | $6.9M | 0.70% |
| 38 | Nationwide Mutual Insurance Company | 10723 | OH | Admitted (licensed) | $6.6M | 0.67% |
| 39 | Contractors Bonding and Insurance Company | 37206 | IL | Admitted (licensed) | $6.2M | 0.63% |
| 40 | Housing Enterprise Insurance Company, Inc. | 11206 | VT | Admitted (licensed) | $5.7M | 0.58% |
| 41 | Phoenix Insurance Company, (The) | 25623 | CT | Admitted (licensed) | $5.3M | 0.54% |
| 42 | Cincinnati Indemnity Company (The) | 23280 | OH | Admitted (licensed) | $5.2M | 0.53% |
| 43 | Zurich American Insurance Company | 16535 | NY | Admitted (licensed) | $4.6M | 0.47% |
| 44 | Continental Western Insurance Company | 10804 | IA | Admitted (licensed) | $3.9M | 0.39% |
| 45 | Travelers Indemnity Company (The) | 25658 | CT | Admitted (licensed) | $3.5M | 0.35% |
| 46 | AmGUARD Insurance Company | 42390 | NE | Admitted (licensed) | $3.5M | 0.35% |
| 47 | Berkshire Hathaway Direct Insurance Company | 10391 | NE | Admitted (licensed) | $3.3M | 0.34% |
| 48 | Federated Mutual Insurance Company | 13935 | MN | Admitted (licensed) | $3.3M | 0.33% |
| 49 | Great American Assurance Company | 26344 | OH | Admitted (licensed) | $3.2M | 0.33% |
| 50 | Cincinnati Casualty Company (The) | 28665 | OH | Admitted (licensed) | $3.0M | 0.30% |
| 51 | Continental Casualty Company | 20443 | IL | Admitted (licensed) | $3.0M | 0.30% |
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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