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Best's Rankings
U.S. Fire and Allied Lines — Top Writers by State, Canada and U.S. Territories — 2021 Edition

The insurers were ranked by 2020 direct premiums written.
  • December 2021
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($ Thousands)

State 2020
Rank
2019
Rank
No of Cos Direct
Premiums
Written
% of
Grand
Total
% Change
in Premiums
ALR1 DDCCE2 Market Share Leading Writer %
Market
Share
Second Leader %
Market
Share
Agency Writer3 Direct Writer4
AL 31 31 447 $609,963 1.1 13.1 167.0 4.1 75.9 24.1 Chubb INA Group 6.8 Zurich Ins US PC Group 6.4
AK 46 46 251 148,746 0.3 15.8 46.5 0.5 66.9 33.1 Allianz US PC Ins Companies 14.2 Western Natl Ins Group 11.2
AZ 35 35 470 496,583 0.9 15.4 55.4 1.2 72.1 27.9 Great Amer P & C Ins Group 8.1 Zurich Ins US PC Group 7.7
AR 32 32 435 553,014 1.0 8.9 119.6 1.3 67.0 33.0 Farm Bureau Mutual Ins Co of Arkansas 9.7 Amer Intl Group 8.2
CA 1 1 471 6,206,768 11.6 18.7 45.5 1.4 76.2 23.8 CA Earthquake Authority 13.6 Zurich Ins US PC Group 6.8
CO 27 26 447 753,554 1.4 14.4 72.5 0.8 72.5 27.5 Zurich Ins US PC Group 8.7 Chubb INA Group 8.5
CT 39 39 412 394,920 0.7 12.5 53.9 2.0 70.0 30.0 FM Global Group 9.1 Assurant P&C Group 6.8
DE 52 50 365 94,120 0.2 -5.0 38.0 1.2 80.7 19.3 Zurich Ins US PC Group 15.4 Selective Ins Group 9.8
DC 50 53 315 108,486 0.2 32.8 41.8 2.2 75.4 24.6 FM Global Group 14.8 Travelers Group 14.0
FL 2 2 468 5,826,177 10.9 14.3 48.3 3.2 90.6 9.4 Assurant P&C Group 7.6 Citizens Property Ins Corporation 7.4
GA 12 18 513 1,073,504 2.0 14.5 88.9 1.9 73.9 26.1 Sompo Hldgs US Group 9.1 FM Global Group 7.2
HI 41 40 245 288,373 0.5 12.4 16.8 1.3 90.3 9.7 Tokio Marine US PC Group 14.5 Amer Intl Group 7.2
ID 44 44 396 221,788 0.4 18.2 63.5 0.9 80.9 19.1 Chubb INA Group 17.4 QBE North America Ins Group 14.7
IL 5 5 530 1,800,376 3.4 10.4 53.8 1.3 78.3 21.7 Zurich Ins US PC Group 9.5 Great Amer P & C Ins Group 8.5
IN 20 20 490 963,673 1.8 8.5 36.8 0.7 81.3 18.7 Sompo Hldgs US Group 8.6 Zurich Ins US PC Group 6.7
IA 14 9 429 1,073,031 2.0 2.4 151.3 1.1 89.9 10.1 Chubb INA Group 15.0 FMH Ins Group 13.7
KS 17 11 435 1,058,814 2.0 4.0 28.8 0.7 86.3 13.7 Zurich Ins US PC Group 14.8 Chubb INA Group 10.5
KY 33 33 458 539,423 1.0 10.8 44.0 1.2 73.6 26.4 Zurich Ins US PC Group 10.8 FM Global Group 10.2
LA 8 8 411 1,280,550 2.4 7.1 260.0 5.7 77.0 23.0 Wright National Flood Insurance Company 7.1 Sompo Hldgs US Group 5.3
ME 49 49 345 123,303 0.2 12.9 26.5 0.2 64.2 35.8 FM Global Group 12.4 Chubb INA Group 7.2
MD 37 36 439 462,070 0.9 11.9 46.5 1.0 73.0 27.0 Travelers Group 8.9 FM Global Group 8.8
MA 25 25 416 781,512 1.5 11.5 63.9 2.5 75.4 24.6 FM Global Group 9.9 Travelers Group 6.1
MI 24 24 441 800,045 1.5 10.4 63.6 1.3 78.1 21.9 Zurich Ins US PC Group 8.6 Auto-Owners Ins Group 7.5
MN 7 7 442 1,361,873 2.5 7.9 78.1 0.7 89.9 10.1 Zurich Ins US PC Group 17.1 Sompo Hldgs US Group 9.2
MS 34 34 419 529,529 1.0 11.6 87.0 1.7 74.2 25.8 Sompo Hldgs US Group 21.0 FM Global Group 5.8
MO 15 15 466 1,064,863 2.0 9.3 53.1 0.8 74.8 25.3 Chubb INA Group 15.8 Zurich Ins US PC Group 7.1
MT 43 42 364 265,793 0.5 10.5 55.1 0.5 83.3 16.7 Chubb INA Group 22.6 QBE North America Ins Group 21.4
NE 18 16 408 982,326 1.8 3.1 77.3 0.1 92.3 7.7 Zurich Ins US PC Group 19.1 QBE North America Ins Group 15.8
NV 40 41 410 321,671 0.6 27.3 81.0 1.7 67.5 32.5 FM Global Group 10.7 QBE North America Ins Group 9.6
NH 51 52 360 94,814 0.2 13.3 21.7 0.5 67.5 32.5 FM Global Group 9.4 Zurich Ins US PC Group 8.3
NJ 13 14 447 1,073,066 2.0 9.9 43.7 1.5 79.4 20.6 Assurant P&C Group 8.4 Selective Ins Group 8.0
NM 45 45 388 219,745 0.4 23.6 75.2 0.4 73.2 26.8 Sompo Hldgs US Group 14.4 Amer Intl Group 10.8
NY 4 4 519 2,235,395 4.2 16.6 62.5 2.2 77.8 22.3 Travelers Group 8.1 FM Global Group 8.1
NC 9 13 474 1,121,018 2.1 14.3 59.8 1.2 75.4 24.6 Zurich Ins US PC Group 9.4 FM Global Group 5.7
ND 16 10 356 1,058,884 2.0 1.5 114.0 0.1 93.8 6.2 QBE North America Ins Group 24.3 Chubb INA Group 21.7
OH 10 12 512 1,110,789 2.1 9.2 53.5 1.3 80.6 19.4 Zurich Ins US PC Group 10.3 FM Global Group 7.8
OK 30 30 423 642,335 1.2 3.1 60.2 2.3 68.8 31.2 Sompo Hldgs US Group 8.6 Zurich Ins US PC Group 7.6
OR 36 38 423 476,519 0.9 18.7 87.8 1.1 65.8 34.2 FM Global Group 8.0 Liberty Mutual Ins Cos 7.5
PA 11 17 564 1,090,239 2.0 15.0 62.3 1.7 74.1 25.9 FM Global Group 9.4 Travelers Group 7.5
RI 48 48 341 129,481 0.2 16.9 29.6 1.0 72.2 27.8 FM Global Group 8.8 Assurant P&C Group 6.4
SC 21 22 462 887,114 1.7 19.0 59.3 2.1 69.8 30.2 Berkshire Hathaway Ins 13.3 Chubb INA Group 7.6
SD 26 21 376 760,199 1.4 -0.7 81.0 0.2 94.6 5.4 Chubb INA Group 27.7 Sompo Hldgs US Group 12.6
TN 23 23 496 820,892 1.5 11.8 174.2 2.6 65.1 35.0 FM Global Group 9.0 TN Farmers Ins Cos 7.3
TX 3 3 536 5,640,341 10.6 12.3 70.7 1.2 80.5 19.6 Sompo Hldgs US Group 10.0 Germania Mutual Group 5.6
UT 42 43 412 278,901 0.5 21.5 110.2 1.6 63.1 36.9 FM Global Group 11.4 Assurant P&C Group 7.6
VT 53 51 335 92,685 0.2 8.2 30.8 -1.5 50.1 49.9 Queen City Assur, Inc. 29.7 Allianz US PC Ins Companies 11.8
VA 29 29 476 703,279 1.3 11.8 47.6 1.2 71.1 28.9 USAA Group 9.9 Zurich Ins US PC Group 9.6
WA 19 19 439 978,502 1.8 9.0 51.0 0.9 69.3 30.7 Chubb INA Group 9.0 Zurich Ins US PC Group 7.8
WV 47 47 363 135,317 0.3 7.7 35.9 1.7 70.9 29.1 Amer Natl Prop & Cas Group 6.8 FM Global Group 6.1
WI 28 28 458 736,125 1.4 15.1 49.1 0.9 85.2 14.8 Zurich Ins US PC Group 11.3 QBE North America Ins Group 8.4
WY 54 54 346 86,077 0.2 13.8 72.2 1.0 70.1 29.9 FM Global Group 10.0 Amer Intl Group 8.7
Amer. Samoa 58 58 4 241 0.0 999.9 20.9 -3.1 99.9 0.1 Tokio Marine US PC Group 99.9 FM Global Group 0.1
Guam 56 56 39 52,995 0.1 11.0 4.0 -1.3 99.8 0.2 DB Ins US Group 42.7 Aioi Nissay Dowa Ins Co Ltd. GUO 14.3
Puerto Rico 38 37 88 434,416 0.8 7.9 66.7 3.9 86.2 13.8 MAPFRE North America Group 28.1 Amer Intl Group 10.9
U.S. Virgin Is. 55 55 53 62,011 0.1 8.3 -38.1 6.0 93.7 6.3 Underwriters at Lloyd’s, London (VI) 71.7 Guardian Ins Group 6.8
Canada 22 27 47 831,766 1.6 26.8 29.4 0.7 39.6 60.4 FM Global Group 40.9 Allianz US PC Ins Companies 15.2
Other 6 6 83 1,482,823 2.8 12.7 73.3 1.0 74.5 25.5 Fairfax Financial (USA) Group 40.4 Chubb INA Group 17.0
N. Mariana Is. 57 57 11 4,412 0.0 0.7 -15.8 -0.6 99.9 0.1 First Net Ins Co 56.8 DB Ins US Group 36.9
Grand Total 1,308 $53,425,229 100.0 12.3 69.2 1.6 78.8 21.2 Zurich Ins US PC Group 7.3 Chubb INA Group 6.2

Note: Data for some companies in this report has been received from the NAIC.

Ratios of 999.9 and -99.9 are maximum and minimum values, respectively.

1. ALR: Adjusted loss ratio is direct losses incurred divided by the difference between direct premium earned and dividends paid to policyholder.

2. DDCCE: Direct defense and cost containment expense ratio is the former allocated loss adjustment expense (ALAE) ratio.

3. Insurers that distribute primarily through independent agents.

4. Insurers that distribute primarily through a direct-selling system or an exclusive agency system.

Source: BestLink logo — State/Line (P/C Lines) - P/C, US; data as of: Oct. 1, 2021



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