Who writes commercial property (fire and allied lines) in Washington
The 49 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-49 list, shares of earned premium).
The 49 largest writers of commercial property (fire and allied lines) in Washington in 2025: Safeco Insurance Company of America led with 16.8% of the state's premium; the top five hold 48%.
By Sam Alishahi, independent insurance broker · All lines in Washington
The companies
| # | Company | NAIC | Home state | Status here | Premium | Share |
|---|---|---|---|---|---|---|
| 1 | Safeco Insurance Company of America | 24740 | NH | Admitted (licensed) | $90.7M | 16.77% |
| 2 | Foremost Insurance Company Grand Rapids, Michigan | 11185 | MI | Admitted (licensed) | $67.1M | 12.39% |
| 3 | Factory Mutual Insurance Company | 21482 | RI | Admitted (licensed) | $42.7M | 7.89% |
| 4 | Affiliated F M Insurance Company | 10014 | RI | Admitted (licensed) | $32.1M | 5.93% |
| 5 | Zurich American Insurance Company | 16535 | NY | Admitted (licensed) | $25.3M | 4.68% |
| 6 | American Home Assurance Company | 19380 | NY | Admitted (licensed) | $19.6M | 3.62% |
| 7 | Standard Guaranty Insurance Company | 42986 | DE | Admitted (licensed) | $18.9M | 3.48% |
| 8 | Accelerant National Insurance Company | 10220 | AR | Admitted (licensed) | $16.2M | 2.99% |
| 9 | Travelers Property Casualty Company of America | 25674 | CT | Admitted (licensed) | $15.4M | 2.84% |
| 10 | United Services Automobile Association, USAA Reciprocal, Attorney-in-fact | 25941 | TX | Admitted (licensed) | $15.3M | 2.83% |
| 11 | Travelers Indemnity Company (The) | 25658 | CT | Admitted (licensed) | $15.0M | 2.77% |
| 12 | Allianz Global Risks US Insurance Company | 35300 | IL | Admitted (licensed) | $13.7M | 2.54% |
| 13 | American Modern Property and Casualty Insurance Company | 42722 | OH | Admitted (licensed) | $13.6M | 2.52% |
| 14 | PEMCO Mutual Insurance Company | 24341 | WA | Admitted (licensed) | $13.6M | 2.51% |
| 15 | Western National Mutual Insurance Company | 15377 | MN | Admitted (licensed) | $12.7M | 2.35% |
| 16 | Employers Insurance Company of Wausau | 21458 | WI | Admitted (licensed) | $10.6M | 1.96% |
| 17 | Penn Millers Insurance Company | 14982 | PA | Admitted (licensed) | $9.6M | 1.78% |
| 18 | Hartford Fire Insurance Company | 19682 | CT | Admitted (licensed) | $9.4M | 1.74% |
| 19 | USAA Casualty Insurance Company | 25968 | TX | Admitted (licensed) | $8.5M | 1.58% |
| 20 | Mitsui Sumitomo Insurance Company of America | 20362 | NY | Admitted (licensed) | $6.7M | 1.25% |
| 21 | Ohio Security Insurance Company | 24082 | NH | Admitted (licensed) | $6.5M | 1.20% |
| 22 | Accredited Surety and Casualty Company, Inc. | 26379 | FL | Admitted (licensed) | $5.7M | 1.06% |
| 23 | Federated Reserve Insurance Company | 16024 | MN | Admitted (licensed) | $5.0M | 0.93% |
| 24 | Pennsylvania Lumbermen's Mutual Insurance Company | 14974 | PA | Admitted (licensed) | $5.0M | 0.92% |
| 25 | Enumclaw Property & Casualty Insurance Company | 11232 | OR | Admitted (licensed) | $4.7M | 0.88% |
| 26 | Swiss Re Corporate Solutions Elite Insurance Corporation | 29700 | MO | Admitted (licensed) | $4.7M | 0.86% |
| 27 | XL Insurance America, Inc. | 24554 | DE | Admitted (licensed) | $4.6M | 0.84% |
| 28 | Sentry Insurance Company | 24988 | WI | Admitted (licensed) | $4.1M | 0.75% |
| 29 | USAA General Indemnity Company | 18600 | TX | Admitted (licensed) | $4.0M | 0.75% |
| 30 | Middlesex Insurance Company | 23434 | WI | Admitted (licensed) | $3.7M | 0.69% |
| 31 | Continental Casualty Company | 20443 | IL | Admitted (licensed) | $3.7M | 0.69% |
| 32 | HDI Global Insurance Company | 41343 | IL | Admitted (licensed) | $3.6M | 0.67% |
| 33 | Garrison Property and Casualty Insurance Company | 21253 | TX | Admitted (licensed) | $3.5M | 0.65% |
| 34 | Tokio Marine America Insurance Company | 10945 | NY | Admitted (licensed) | $3.1M | 0.56% |
| 35 | SOMPO AMERICA FIRE \u0026 MARINE INSURANCE COMPANY | 38997 | NY | Admitted (licensed) | $3.0M | 0.56% |
| 36 | Stillwater Insurance Company | 25180 | CA | Admitted (licensed) | $2.6M | 0.48% |
| 37 | Liberty Mutual Fire Insurance Company | 23035 | WI | Admitted (licensed) | $2.3M | 0.43% |
| 38 | Federated Mutual Insurance Company | 13935 | MN | Admitted (licensed) | $1.8M | 0.34% |
| 39 | Ace American Insurance Company | 22667 | PA | Admitted (licensed) | $1.8M | 0.33% |
| 40 | Automobile Insurance Company of Hartford, Connecticut (The) | 19062 | CT | Admitted (licensed) | $1.6M | 0.29% |
| 41 | Nationwide Mutual Insurance Company | 23787 | OH | Admitted (licensed) | $1.5M | 0.27% |
| 42 | Sompo America Insurance Company | 11126 | NY | Admitted (licensed) | $1.3M | 0.24% |
| 43 | Verlan Fire Insurance Company | 10815 | NH | Admitted (licensed) | $1.2M | 0.23% |
| 44 | Western National Assurance Company | 24465 | MN | Admitted (licensed) | $1.2M | 0.21% |
| 45 | Insurance Company of the State of Pennsylvania (The) | 19429 | IL | Admitted (licensed) | $991,000 | 0.18% |
| 46 | Amica Mutual Insurance Company, The | 19976 | RI | Admitted (licensed) | $910,000 | 0.17% |
| 47 | Federated Rural Electric Insurance Exchange | 11118 | KS | Admitted (licensed) | $813,000 | 0.15% |
| 48 | Grange Insurance Association | 22101 | WA | Admitted (licensed) | $750,000 | 0.14% |
| 49 | Atlantic Specialty Insurance Company | 27154 | NY | Admitted (licensed) | $627,000 | 0.12% |
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.
Open to use. Cite "Alishahi Insurance insurance company directory" and link here. CSV · JSON.
Someone will insure it. I find who.
Send what you need covered and what happened before. I match it to the companies that take it, down to the last-resort plan if it comes to that. I'm licensed in 48 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida and Washington, where my licenses are still being issued, a partner agency in your state helps in the meantime.
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.