Top U.S. Property/Casualty Insurers

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The top 25 property/casualty insurance groups in the United States are listed below. Most (but not all) of these insurers offer commercial coverages. The insurers are ranked according to direct premiums written in 2014. The term direct premiums written means all policy premiums collected by an insurer. It does not include an adjustment for premiums on risks that have been ceded (transferred) to a reinsurance company.


An insurance group is a collection of insurance companies that have common ownership. A group of insurers typically consists of a parent company and several subsidiaries. Insurance subsidiaries are often called "pups."

The insurer rankings and premium information that appear in the list below were initially published by the National Association of Insurance Commissioners (NAIC) in April of 2015. A link to the NAIC's publication is provided below. 

The list includes some brief comments about each insurer group. Additional information is available from the insurers' websites. 


RankInsurer NameDirect Premiums Written ($bn)Comments
1State Farm58.5Mostly personal lines. Some coverages for small businesses. State Farm sells products through captive agents.
2Liberty Mutual29.3A global company that offers commercial and personal insurance coverages. Includes Golden Eagle, Ohio Casualty, and Safeco.
3Allstate28.8Mostly personal lines. Some coverages for small businesses. Allstate products are distributed via captive agents.
4Berkshire Hathaway26.3Owns GEICO and various specialty insurers including Medical Protective Co., National Indemnity, and Berkshire Hathaway Specialty
5Travelers22.7U.S. company that offers mostly standard coverages for businesses. Owns St. Paul Fire & Marine.
6Nationwide18.9Mostly personal lines. Some coverages for small businesses. Nationwide's products are distributed via captive agents.
7Progressive18.9Personal lines only
8AIG18.6Global company that owns dozens of subsidiaries worldwide. A major provider of commercial insurance, including specialty coverages.
9Farmers18.6Personal and commercial lines. Farmers sells products through captive agents.
10USAA15.6Products available only to current and former members of the U.S. military
11Zurich11.2Global company based in Switzerland. Offers standard and specialty insurance to businesses.
12Hartford10.8U.S. company that offers mostly standard coverages for businesses.
13Chubb10.1Offers personal and commercial lines, including many specialty coverages. Will  be acquired by ACE in 2016
14ACE9.9A global company that offers a wide variety of commercial coverages
15CNA9.1Global company that offers both standard and specialty coverages for businesses.
16American Family6.8Mostly personal lines. Some business coverages. Sells products through captive agents or directly to buyers.
17Ameritrust6.4Owns Meadowbrook Insurance, Star Insurance, and other specialty insurers
18Auto Owners5.7Offers both personal and commercial insurance coverages (not just auto)
19Erie Insurance5.5Offers personal and commercial coverages
20Assurant5.2Personal lines only
21American Financial5.2Owns Great American Insurance, a provider of specialty property and casualty coverages
22WR Berkley5.0Provides many types of specialty coverages through its subsidiaries.
23QBE4.9Global insurer based in Australia. Offers commercial property and casualty insurance
24Allianz4.4A global company based in Germany. Owns Fireman's Fund.
25Cincinnati4.3U.S. company that offers personal and commercial coverages

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