Who writes workers' compensation in Washington
The 39 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-39 list, shares of earned premium).
The 39 largest writers of workers' compensation in Washington in 2025: Twin City Fire Insurance Company (The) led with 26.0% of the state's premium; the top five hold 60%.
By Sam Alishahi, independent insurance broker · All lines in Washington
The companies
| # | Company | NAIC | Home state | Status here | Premium | Share |
|---|---|---|---|---|---|---|
| 1 | Twin City Fire Insurance Company (The) | 29459 | IN | Admitted (licensed) | $6.5M | 25.98% |
| 2 | Alaska National Insurance Company | 38733 | AK | Admitted (licensed) | $4.4M | 17.35% |
| 3 | Hartford Underwriters Insurance Company | 30104 | CT | Admitted (licensed) | $1.7M | 6.88% |
| 4 | Red Shield Insurance Company | 41580 | WA | Admitted (licensed) | $1.5M | 5.78% |
| 5 | Liberty Mutual Insurance Company | 42404 | IL | Admitted (licensed) | $1.1M | 4.31% |
| 6 | L M Insurance Corporation | 33600 | IL | Admitted (licensed) | $845,000 | 3.35% |
| 7 | AIU Insurance Company | 19399 | NY | Admitted (licensed) | $655,000 | 2.60% |
| 8 | Federal Insurance Company | 20281 | IN | Admitted (licensed) | $585,000 | 2.32% |
| 9 | Employers Insurance Company of Wausau | 21458 | WI | Admitted (licensed) | $530,000 | 2.10% |
| 10 | Everest Denali Insurance Company | 16044 | DE | Admitted (licensed) | $528,000 | 2.10% |
| 11 | Technology Insurance Company, Inc. | 42376 | DE | Admitted (licensed) | $511,000 | 2.03% |
| 12 | Berkley National Insurance Company | 38911 | IA | Admitted (licensed) | $502,000 | 1.99% |
| 13 | StarNet Insurance Company | 40045 | IA | Admitted (licensed) | $483,000 | 1.92% |
| 14 | Everest Premier Insurance Company | 16045 | DE | Admitted (licensed) | $469,000 | 1.86% |
| 15 | StarStone National Insurance Company | 25496 | DE | Admitted (licensed) | $415,000 | 1.65% |
| 16 | Commerce and Industry Insurance Company | 19410 | NY | Admitted (licensed) | $376,000 | 1.49% |
| 17 | Berkshire Hathaway Homestate Insurance Company | 20044 | NE | Admitted (licensed) | $352,000 | 1.40% |
| 18 | American Zurich Insurance Company | 40142 | IL | Admitted (licensed) | $325,000 | 1.29% |
| 19 | XL Specialty Insurance Company | 37885 | DE | Admitted (licensed) | $271,000 | 1.08% |
| 20 | Everest National Insurance Company | 10120 | DE | Admitted (licensed) | $227,000 | 0.90% |
| 21 | Liberty Mutual Fire Insurance Company | 23035 | WI | Admitted (licensed) | $223,000 | 0.89% |
| 22 | Starr Specialty Insurance Company | 16109 | TX | Admitted (licensed) | $211,000 | 0.84% |
| 23 | North River Insurance Company (The) | 21105 | NJ | Admitted (licensed) | $209,000 | 0.83% |
| 24 | National Union Fire Insurance Company of Pittsburgh, Pennsylvania | 19445 | PA | Admitted (licensed) | $209,000 | 0.83% |
| 25 | Zurich American Insurance Company | 16535 | NY | Admitted (licensed) | $192,000 | 0.76% |
| 26 | Tokio Marine America Insurance Company | 10945 | NY | Admitted (licensed) | $190,000 | 0.75% |
| 27 | Pennsylvania Manufacturers' Association Insurance Company | 12262 | PA | Admitted (licensed) | $187,000 | 0.74% |
| 28 | Atlantic Specialty Insurance Company | 27154 | NY | Admitted (licensed) | $166,000 | 0.66% |
| 29 | Berkley Regional Insurance Company | 29580 | IA | Admitted (licensed) | $162,000 | 0.64% |
| 30 | STARR INDEMNITY \u0026 LIABILITY COMPANY | 38318 | TX | Admitted (licensed) | $150,000 | 0.60% |
| 31 | National Casualty Company | 11991 | OH | Admitted (licensed) | $136,000 | 0.54% |
| 32 | Hartford Fire Insurance Company | 19682 | CT | Admitted (licensed) | $133,000 | 0.53% |
| 33 | Chubb National Insurance Company | 10052 | IN | Admitted (licensed) | $130,000 | 0.52% |
| 34 | Mitsui Sumitomo Insurance Company of America | 20362 | NY | Admitted (licensed) | $123,000 | 0.49% |
| 35 | Great American Alliance Insurance Company | 26832 | OH | Admitted (licensed) | $111,000 | 0.44% |
| 36 | Chubb Indemnity Insurance Company | 12777 | NY | Admitted (licensed) | $110,000 | 0.44% |
| 37 | Nationwide Agribusiness Insurance Company | 28223 | IA | Admitted (licensed) | $97,000 | 0.39% |
| 38 | OBI National Insurance Company | 14190 | PA | Admitted (licensed) | $97,000 | 0.39% |
| 39 | Sentry Casualty Company | 28460 | WI | Admitted (licensed) | $89,000 | 0.35% |
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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