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Directory · Wisconsin · Umbrella and excess

Who writes umbrella and excess in Wisconsin

From the Wisconsin company list; alphabetical, since Wisconsin doesn't publish every company's premium by line.

52 insurers are licensed for umbrella and excess in Wisconsin on the regulator's list.

By Sam Alishahi, independent insurance broker · All lines in Wisconsin

Umbrella and excess · Wisconsin

The companies

CompanyNAICHome stateStatus hereLines
Ace American Insurance Company22667PAAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +8 more
American Alternative Insurance Corporation19720DEAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +6 more
Arch Insurance (UK) Limited11150MOAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +7 more
Benchmark Insurance Company41394KSAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +3 more
Berkshire Hathaway Specialty Insurance Company22276NEAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +6 more
Continental Casualty Company20443ILAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +8 more
Continental Insurance Company, (The)35289PAAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +7 more
Employers Insurance Company of Wausau21458WIAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +5 more
EMPLOYERS MUTUAL CASUALTY COMPANY Employers Mutual Casualty Company)21415IAAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +6 more
Fair American Insurance and Reinsurance Company35157NYAdmitted (licensed)General liability, Medical malpractice, Surety bonds +1 more
Federal Insurance Company20281INAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +8 more
Fidelity and Guaranty Insurance Company35386IAAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +6 more
Fidelity and Guaranty Insurance Underwriters, Inc.25879WIAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +3 more
General Reinsurance Corporation22039DEAdmitted (licensed)General liability, Umbrella and excess, Workers' compensation
Great American Insurance Company16691OHAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +9 more
Great Midwest Insurance Company18694TXAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +5 more
Great Northern Insurance Company20303INAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +7 more
Hartford Casualty Insurance Company29424INAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +7 more
HealthPartners Insurance Company44547MNAdmitted (licensed)Umbrella and excess
Hudson Insurance Company25054DEAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +5 more
Ironshore Indemnity, Inc.23647ILAdmitted (licensed)Commercial package (BOP, CMP), Fidelity bonds, General liability +1 more
L M Insurance Corporation33600ILAdmitted (licensed)Personal auto, Commercial auto, Homeowners +4 more
Liberty Insurance Underwriters, Inc.19917ILAdmitted (licensed)Personal auto, Commercial auto, Fidelity bonds +3 more
Liberty Mutual Fire Insurance Company23035WIAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +6 more
Liberty Mutual Insurance Company42404ILAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +5 more
National Union Fire Insurance Company of Pittsburgh, Pennsylvania19445PAAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +8 more
New York Marine and General Insurance Company16608NYAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +6 more
Old Republic Insurance Company24147PAAdmitted (licensed)Personal auto, Commercial auto, Credit +5 more
Pacific Indemnity Company20346DEAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +6 more
PartnerRe America Insurance Company11835DEAdmitted (licensed)Umbrella and excess
Pennsylvania Manufacturers' Association Insurance Company12262PAAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +4 more
Praetorian Insurance Company37257PAAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +7 more
ProSelect Insurance Company10638NEAdmitted (licensed)General liability, Medical malpractice, Umbrella and excess
Protective Insurance Company12416INAdmitted (licensed)Personal auto, Commercial auto, General liability +3 more
QBE Insurance (Europe) Limited39217PAAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +10 more
Safety National Casualty Corporation15105MOAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +4 more
Sentry Casualty Company28460WIAdmitted (licensed)General liability, Umbrella and excess, Workers' compensation
Sentry Insurance Company24988WIAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +7 more
SiriusPoint America Insurance Company38776NYAdmitted (licensed)Personal auto, Commercial auto, General liability +4 more
St. Paul Fire and Marine Insurance Company24767CTAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +7 more
St. Paul Mercury Insurance Company24791CTAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +7 more
St. Paul Protective Insurance Company19224CTAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +4 more
Swiss Re Corporate Solutions America Insurance Corporation29874MOAdmitted (licensed)Personal auto, Commercial auto, General liability +4 more
TravCo Personal Insurance Company36463CTAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +3 more
Travelers Casualty and Surety Company19038CTAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +7 more
Travelers Property Casualty Company of America25674CTAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +7 more
United States Fidelity and Guaranty Company25887CTAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +6 more
Wellfleet Insurance Company32280INAdmitted (licensed)Umbrella and excess, Workers' compensation
Westport Insurance Corporation39845MOAdmitted (licensed)Personal auto, Commercial auto, General liability +4 more
Wisconsin Municipal Mutual Insurance Company27880WIAdmitted (licensed)Personal auto, Commercial auto, General liability +2 more
XL Specialty Insurance Company37885DEAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +7 more
Zurich American Insurance Company16535NYAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +7 more
Turned down?

Last resort for umbrella and excess in Wisconsin

Last resortLinesWhereHow to get in
Surplus lines and Lloyd's open marketallall states, under each state's diligent-search rulesThrough surplus lines wholesalers; commercial property and liability have no guaranteed plan, so this is their last stepSource

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.

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