Who writes pet in Washington
The 20 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-20 list, shares of earned premium).
The 20 largest writers of pet in Washington in 2025: American Pet Insurance Company, Inc. led with 34.3% of the state's premium; the top five hold 76%.
By Sam Alishahi, independent insurance broker · All lines in Washington
The companies
| # | Company | NAIC | Home state | Status here | Premium | Share |
|---|---|---|---|---|---|---|
| 1 | American Pet Insurance Company, Inc. | 12190 | NY | Admitted (licensed) | $77.1M | 34.28% |
| 2 | National Casualty Company | 11991 | OH | Admitted (licensed) | $28.1M | 12.48% |
| 3 | United States Fire Insurance Company | 21113 | DE | Admitted (licensed) | $23.8M | 10.57% |
| 4 | American Modern Home Insurance Company | 23469 | OH | Admitted (licensed) | $23.0M | 10.21% |
| 5 | Lemonade Insurance Company | 16023 | NY | Admitted (licensed) | $20.0M | 8.88% |
| 6 | Metropolitan General Insurance Company | 39950 | RI | Admitted (licensed) | $11.7M | 5.20% |
| 7 | AXIS Insurance Company | 37273 | IL | Admitted (licensed) | $11.5M | 5.13% |
| 8 | Independence American Insurance Company | 26581 | DE | Admitted (licensed) | $10.8M | 4.80% |
| 9 | Indemnity Insurance Company of North America | 43575 | PA | Admitted (licensed) | $5.8M | 2.58% |
| 10 | Westchester Fire Insurance Company | 10030 | PA | Admitted (licensed) | $5.4M | 2.38% |
| 11 | Ace American Insurance Company | 22667 | PA | Admitted (licensed) | $3.3M | 1.45% |
| 12 | Markel American Insurance Company | 28932 | VA | Admitted (licensed) | $1.5M | 0.65% |
| 13 | Accredited Surety and Casualty Company, Inc. | 26379 | FL | Admitted (licensed) | $1.1M | 0.49% |
| 14 | North River Insurance Company (The) | 21105 | NJ | Admitted (licensed) | $693,000 | 0.31% |
| 15 | Liberty Mutual Fire Insurance Company | 23035 | WI | Admitted (licensed) | $484,000 | 0.22% |
| 16 | Trisura Insurance Company | 22225 | OK | Admitted (licensed) | $336,000 | 0.15% |
| 17 | Safeco Insurance Company of America | 24740 | NH | Admitted (licensed) | $252,000 | 0.11% |
| 18 | National Specialty Insurance Company | 22608 | TX | Admitted (licensed) | $145,000 | 0.06% |
| 19 | Everspan Insurance Company | 24961 | AZ | Admitted (licensed) | $50,000 | 0.02% |
| 20 | Old Republic Insurance Company | 24147 | PA | Admitted (licensed) | $19,000 | 0.01% |
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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