Who writes earthquake in Wisconsin
Top insurer groups from the NAIC market share report; the state's list carries no lines of authority.
Fm Group wrote the most earthquake in Wisconsin in 2025, $2.4M and 24.2% of the state's premium; the top five groups hold 56%. Wisconsin'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 Wisconsin page.
By Sam Alishahi, independent insurance broker · All lines in Wisconsin
Method and source
Source: the Wisconsin insurance regulator company list, read 2026-10-18. Admitted = union of two OCI 2025 Wisconsin Insurance Report documents joined by normalized name: Table E market share (every insurer with 2025 WI premium, all 48 lines incl. life/annuity/A&H; gives NAIC code + lines) and the Directory of Licensed Insurers as of 12/31/2025 (gives domicile, company type, year commenced in WI; no NAIC; https://oci.wi.gov/Documents/AboutOCI/2025_WIR_Directory.pdf). Join stats: {'exact': 1249, 'fuzzy': 3, 'unmatched_xlsx': 2, 'directory_rows': 2281, 'table_e_naic': 1254, 'directory_unmatched': 1029}. Rows with naic '' are directory-only (licensed but no 2025 WI premium or name not matched); rows with type '' are Table E only (name not matched to the directory). Type codes: AR=Accredited Reinsurer; CR=Certified Reinsurer; RJR=Reciprocal Jurisdiction Reinsurer; DSL=Domestic Surplus Line; FR=Fraternal Benefit Society; CC=Continuing Care Organization; CMO=Care Management Organization; HMO=Health Maintenance Organization; IRO=Independent Review Organization; LAH=Life and Accident and Health Company; LSP=Life Settlement Provider; RRG=Risk Retention Group; LSHO=Limited Service Health Organization; MC=Motor Club Plan; SCP=Service Contract Provider; PC=Property and Casualty Company; TI=Title Company; TM=Town Mutual of Wisconsin; VPP=Vehicle Protection Plan; WP=Warranty Plan. Filter P&C with type in {PC, RRG, DSL, TM, TI} or lines among the P&C lines (Table E sheets 34-48: FIRE, FARMOWNERS MULTIPLE PERIL, HOMEOWNERS MULTIPLE PERIL, COMMERCIAL MULTIPLE PERIL, MEDICAL MALPRACTICE, WORKERS COMPENSATION, EXCESS WORKERS COMPENSATION, OTHER LIABILITY, PRIVATE PASSENGER AUTO, COMMERCIAL AUTO, FIDELITY, SURETY, CREDIT, MORTGAGE GUARANTY, TITLE; sheet 33 STOP LOSS/EXCESS LOSS; line strings are the sheet titles, which differ slightly from the TOC). Directory also lists non-insurers (SCP, WP, VPP, MC, LSP, IRO, CC, CMO) and reinsurers (AR, CR, RJR); foreign domiciles are blanked. 'since' = year commenced business in WI. Wisconsin publishes no eligible surplus lines list (NRRA home-state rule; NAIC IID list for aliens), so surplus_lines 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.
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.