Directory · West Virginia · Commercial property (fire and allied lines)

Who writes commercial property (fire and allied lines) in West Virginia

Top insurer groups from the NAIC market share report; the state's list carries no lines of authority.

Starr Group wrote the most commercial property (fire and allied lines) in West Virginia in 2025, $11.1M and 12.1% of the state's premium; the top five groups hold 35%. West Virginia's company list doesn't say which lines each company is licensed for, so the ranking below is the NAIC's top 10 groups; every licensed company is on the West Virginia page.

By Sam Alishahi, independent insurance broker · All lines in West Virginia

Top 10 · NAIC table: 01 - Fire

The insurer groups that write the most commercial property (fire and allied lines) in West Virginia

Top 10 insurer groups by direct premium written in 2025, from the NAIC's Market Share Reports for Property/Casualty Groups and Companies by State. A group is the parent and its insurance companies together; share is the group's part of the state total for the line; loss ratio is losses incurred over premium earned.

#	Insurer group	Premium written	Share	Loss ratio	Member companies here
1	Starr Group	$11.1M	12.05%	48%	STARR INDEMNITY \u0026 LIABILITY COMPANY, Starr Surplus Lines Insurance Company, Starr Specialty Insurance Company
2	Fm Group	$6.0M	6.52%	1%	Factory Mutual Insurance Company, Affiliated F M Insurance Company, Appalachian Insurance Company
3	Travelers Group	$5.5M	5.98%	10%	Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
4	Brookfield Wealth Solutions Group	$4.7M	5.14%	30%	American National Property and Casualty Company, American National Lloyds Insurance Company, Argonaut Insurance Company, Colony Insurance Company
5	Munich Re Group	$4.6M	4.94%	35%	American Modern Property and Casualty Insurance Company, American Modern Home Insurance Company, American Alternative Insurance Corporation, Next Insurance US Company
6	Municipal Mutual Insurance Company of West Virginia	$4.1M	4.47%	54%	—
7	Liberty Mutual Group	$4.0M	4.30%	14%	Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
8	Zurich Insurance Group	$3.9M	4.18%	—	Zurich American Insurance Company, Rural Community Insurance Company, American Zurich Insurance Company, American Guarantee and Liability Insurance Company
9	Cincinnati Financial Group	$3.7M	4.03%	19%	Cincinnati Insurance Company (The), Cincinnati Casualty Company (The), Cincinnati Indemnity Company (The), Cincinnati Specialty Underwriters Insurance Company (The)
10	Wva Insurance Co.	$3.0M	3.28%	30%	—

Turned down?

Last resort for commercial property (fire and allied lines) in West Virginia

Last resort	Lines	Where	How to get in
Property FAIR Plans	dwelling fire, homeowners, commercial property	CA, CO, CT, IL, IN, IA, KS, KY, MN, MO, OH, OR, PA, TX, WI, WV, LA, DE, DC, GA, HI, MD, MA, MI, NJ, NM, NY, NC, RI, VA, FL	Each state's plan; California: broker searches the regular market first, registers on the broker portal (cfpnet.com); a DIC wrap is optional	Source
Surplus lines and Lloyd's open market	all	all states, under each state's diligent-search rules	Through surplus lines wholesalers; commercial property and liability have no guaranteed plan, so this is their last step	Source

Method and source

Source: the West Virginia insurance regulator company list, read 2026-10-18 and the surplus lines list. Surplus lines: NAIC SBS 'Company List Report' PDF (Company Type=Surplus Lines, Status=Active, report date 07-16-2026, issue dates through 06-30-2026) linked from https://www.wvinsurance.gov/company-home as 'List of Surplus Lines Insurers (as of 6/30/2026)'. The PDF has no text layer; pages rendered at 300 dpi, turned upright and OCR'd with macOS Vision (whole page plus one pass per table row), cells located by the PDF's own ruling lines. Report states 245 companies; parsed 245. No per-company eligibility date is printed (eligible=''). Alien insurers mostly have no NAIC code in the report (naic=''). Long names are truncated by the report itself. Columns not carried into WV.json (FEIN, org type, group number, state legacy ID, status) are in wv_surplus_rows.csv. Admitted: West Virginia publishes no bulk roster of licensed P&C insurers (only company-type counts and the one-at-a-time NAIC SBS lookup), so admitted is empty. "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.

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