Who writes earthquake 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 earthquake in Washington in 2025: State Farm Fire and Casualty Company led with 21.5% of the state's premium; the top five hold 59%.
By Sam Alishahi, independent insurance broker · All lines in Washington
The companies
| # | Company | NAIC | Home state | Status here | Premium | Share |
|---|---|---|---|---|---|---|
| 1 | State Farm Fire and Casualty Company | 25143 | IL | Admitted (licensed) | $63.9M | 21.54% |
| 2 | Palomar Specialty Insurance Company | 20338 | OR | Admitted (licensed) | $38.4M | 12.96% |
| 3 | Factory Mutual Insurance Company | 21482 | RI | Admitted (licensed) | $35.0M | 11.81% |
| 4 | Affiliated F M Insurance Company | 10014 | RI | Admitted (licensed) | $20.5M | 6.91% |
| 5 | GeoVera Insurance Company | 10799 | CA | Admitted (licensed) | $17.8M | 5.99% |
| 6 | Zurich American Insurance Company | 16535 | NY | Admitted (licensed) | $16.1M | 5.43% |
| 7 | Great Northern Insurance Company | 20303 | IN | Admitted (licensed) | $8.2M | 2.76% |
| 8 | Employers Insurance Company of Wausau | 21458 | WI | Admitted (licensed) | $8.0M | 2.71% |
| 9 | Coastal Select Insurance Company | 10887 | CA | Admitted (licensed) | $7.6M | 2.56% |
| 10 | American Modern Property and Casualty Insurance Company | 42722 | OH | Admitted (licensed) | $7.4M | 2.48% |
| 11 | Travelers Property Casualty Company of America | 25674 | CT | Admitted (licensed) | $7.2M | 2.41% |
| 12 | Travelers Indemnity Company (The) | 25658 | CT | Admitted (licensed) | $6.6M | 2.21% |
| 13 | United Services Automobile Association, USAA Reciprocal, Attorney-in-fact | 25941 | TX | Admitted (licensed) | $5.7M | 1.94% |
| 14 | Amica Mutual Insurance Company, The | 19976 | RI | Admitted (licensed) | $4.0M | 1.36% |
| 15 | Swiss Re Corporate Solutions Elite Insurance Corporation | 29700 | MO | Admitted (licensed) | $4.0M | 1.36% |
| 16 | Safeco Insurance Company of Illinois | 39012 | IL | Admitted (licensed) | $3.9M | 1.32% |
| 17 | Continental Casualty Company | 20443 | IL | Admitted (licensed) | $3.4M | 1.13% |
| 18 | Cincinnati Insurance Company (The) | 10677 | OH | Admitted (licensed) | $3.3M | 1.11% |
| 19 | Farmers Insurance Company of Washington | 21644 | WA | Admitted (licensed) | $3.1M | 1.03% |
| 20 | AIG Property Casualty Company | 19402 | IL | Admitted (licensed) | $3.0M | 1.01% |
| 21 | USAA Casualty Insurance Company | 25968 | TX | Admitted (licensed) | $2.6M | 0.88% |
| 22 | XL Insurance America, Inc. | 24554 | DE | Admitted (licensed) | $2.4M | 0.80% |
| 23 | Insurance Company of the West | 27847 | CA | Admitted (licensed) | $2.0M | 0.68% |
| 24 | Allianz Global Risks US Insurance Company | 35300 | IL | Admitted (licensed) | $2.0M | 0.66% |
| 25 | American Family Insurance Company | 10386 | WI | Admitted (licensed) | $1.8M | 0.61% |
| 26 | American Family Mutual Insurance Company, S.I. | 19275 | WI | Admitted (licensed) | $1.7M | 0.59% |
| 27 | Liberty Mutual Fire Insurance Company | 23035 | WI | Admitted (licensed) | $1.7M | 0.58% |
| 28 | Ace American Insurance Company | 22667 | PA | Admitted (licensed) | $1.7M | 0.57% |
| 29 | Farmers Property and Casualty Insurance Company | 26298 | RI | Admitted (licensed) | $1.7M | 0.56% |
| 30 | Vigilant Insurance Company | 20397 | NY | Admitted (licensed) | $1.5M | 0.50% |
| 31 | SOMPO AMERICA FIRE \u0026 MARINE INSURANCE COMPANY | 38997 | NY | Admitted (licensed) | $1.5M | 0.49% |
| 32 | Chubb National Insurance Company | 10052 | IN | Admitted (licensed) | $1.4M | 0.48% |
| 33 | Federated Mutual Insurance Company | 13935 | MN | Admitted (licensed) | $1.4M | 0.46% |
| 34 | Property and Casualty Insurance Company of Hartford | 34690 | IN | Admitted (licensed) | $1.2M | 0.42% |
| 35 | Liberty Mutual Insurance Company | 42404 | IL | Admitted (licensed) | $1.1M | 0.38% |
| 36 | Federated Reserve Insurance Company | 16024 | MN | Admitted (licensed) | $905,000 | 0.31% |
| 37 | Nationwide General Insurance Company | 23760 | OH | Admitted (licensed) | $800,000 | 0.27% |
| 38 | Travelers Home and Marine Insurance Company (The) | 27998 | CT | Admitted (licensed) | $744,000 | 0.25% |
| 39 | Pacific Indemnity Company | 20346 | DE | Admitted (licensed) | $717,000 | 0.24% |
| 40 | Trumbull Insurance Company | 27120 | CT | Admitted (licensed) | $716,000 | 0.24% |
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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