Guides
The largest commercial liability insurers (2025)
The 25 largest U.S. writers of NAIC's other liability line - general, umbrella, professional, D&O, cyber and more - by 2025 direct premiums written.
"Other liability" is NAIC's catch-all for liability insurance that is not auto, workers' comp, products or medical malpractice. It holds monoline general liability, umbrella and excess, professional and management liability (E&O, D&O, EPLI), cyber, environmental and a long tail of specialty covers, written on both occurrence and claims-made forms. It is the largest commercial line by premium: $130.90 billion in 2025, according to NAIC data. The 25 groups below wrote 64.9% of it.
General liability sold inside a business owner's policy or a package is not in this line; NAIC files it under commercial multiple peril. That is why personal-lines carriers that sell many small-business packages rank higher on the package ranking than here, and why specialty and excess and surplus lines carriers rank higher here.
The top 25
Ranked by 2025 direct premiums written in other liability, U.S. states and territories, by insurance group. Share is of the line's national total ($130.90 billion).
| Rank | Insurer group | 2025 premiums | Share |
|---|---|---|---|
| 1 | Chubb | $9.37 billion | 7.16% |
| 2 | Travelers | $6.28 billion | 4.80% |
| 3 | Berkshire Hathaway | $5.13 billion | 3.92% |
| 4 | W. R. Berkley | $4.82 billion | 3.68% |
| 5 | AIG | $4.38 billion | 3.34% |
| 6 | Fairfax Financial | $4.36 billion | 3.33% |
| 7 | CNA | $4.26 billion | 3.25% |
| 8 | Markel | $4.25 billion | 3.25% |
| 9 | AXA XL | $3.93 billion | 3.00% |
| 10 | Liberty Mutual | $3.76 billion | 2.88% |
| 11 | The Hartford | $3.63 billion | 2.77% |
| 12 | Zurich North America | $3.57 billion | 2.72% |
| 13 | Sompo | $2.76 billion | 2.11% |
| 14 | Nationwide | $2.69 billion | 2.05% |
| 15 | Tokio Marine | $2.59 billion | 1.98% |
| 16 | Great American Insurance Group | $2.54 billion | 1.94% |
| 17 | Starr Insurance Companies | $2.24 billion | 1.71% |
| 18 | Arch Insurance | $2.24 billion | 1.71% |
| 19 | State Farm | $2.19 billion | 1.68% |
| 20 | Cincinnati Insurance | $1.90 billion | 1.45% |
| 21 | AXIS Capital | $1.90 billion | 1.45% |
| 22 | Assurant | $1.78 billion | 1.36% |
| 23 | Allianz Commercial | $1.56 billion | 1.19% |
| 24 | Selective Insurance | $1.43 billion | 1.09% |
| 25 | Everest | $1.39 billion | 1.06% |
The five largest groups wrote 22.9% of the line, and Chubb alone wrote 7.2%.
How much of each leader's business this is
Some of the largest writers are specialists for whom other liability is most of what they do; for others it is one line among many. The share below is the line's portion of each group's 2025 premium across the 17 commercial lines in our overall ranking.
| Insurer group | Other liability premiums | Share of its commercial premiums |
|---|---|---|
| Chubb | $9.37 billion | 40% |
| Travelers | $6.28 billion | 23% |
| Berkshire Hathaway | $5.13 billion | 28% |
| W. R. Berkley | $4.82 billion | 47% |
| AIG | $4.38 billion | 30% |
| Fairfax Financial | $4.36 billion | 48% |
| CNA | $4.26 billion | 32% |
| Markel | $4.25 billion | 55% |
| AXA XL | $3.93 billion | 58% |
| Liberty Mutual | $3.76 billion | 19% |
Reading the numbers
Direct premiums written are the premiums an insurer booked in the year for policies it issued, before it passed any of the risk to reinsurers. They are the cleanest measure of who sells the most other liability coverage, but they move with price as well as volume: in a year of steep rate increases a carrier can climb the table without insuring a single extra business, and a carrier that shrinks a troubled book on purpose will fall. They also say nothing about profit. NAIC publishes loss ratios beside the premiums, and a large writer with a poor loss ratio may be the one raising rates or tightening appetite next year. Finally, group totals hide brands. The policy you buy is issued by one company inside the group, often under a name you will not see in this table; the how to judge a business insurance company guide explains how to check the company actually named on your quote.
What the ranking means for a buyer
For a buyer, the names at the top of this list are the markets that build umbrella and excess towers, write professional and management liability, and take the risks standard carriers decline through the surplus lines market. Liability pricing has been under pressure from larger jury awards, the trend the industry calls social inflation, which shows up most in umbrella and excess pricing.
Because the line mixes so many products, a group's rank here is a rough guide at best. A carrier that leads in D&O may not write contractors' general liability at all, and a large excess writer may only attach above $10 million. Use the profiles to see which products each group actually sells, and ask your broker which of these markets have appetite for your class and the layer you need. For umbrella limits, start with the How much umbrella coverage do I need?.
Watch the paper, too. Many of these groups write through several companies, some admitted and some surplus lines, and the one named on your quote determines whether a state guaranty fund stands behind the policy and which form wording applies.
Questions to ask before you choose a carrier
- Is the form occurrence or claims-made, and are defense costs inside or outside the limits?
- For umbrella and excess: what underlying limits are required, and does the policy follow form or carry its own exclusions?
- Is the carrier admitted in my state or writing on a surplus lines basis?
- Which exclusions apply to my operations (residential construction, assault and battery, abuse, PFAS, wildfire)?
- How does the carrier handle litigated claims, and will it let me have a say in defense counsel?
How this list was built
The figures are direct premiums written in calendar year 2025 for NAIC's other liability line, for business in the 50 states, D.C. and U.S. territories, from the NAIC's 2025 Market Share Reports for Property/Casualty Groups and Companies (published August 2026). NAIC reports by insurance group, combining affiliated companies under common ownership as filed with the NAIC in August 2025, so a group may sell under several brand names, and ownership changes since then are not reflected. Direct premiums are what the companies wrote before reinsurance; they measure size, not profitability, service or financial strength. Where a group has a profile on this site its name links to it, with its ratings, contacts and history.
For the overall picture across all commercial lines, see The 100 largest U.S. business insurance companies.
Key takeaways
- U.S. other liability direct premiums came to $130.90 billion in 2025 (NAIC).
- The 25 largest groups wrote 64.9% of the line; Chubb was the largest.
- Size measures premium volume, not price, appetite or claims service; check ratings and fit on each profile.
- Groups combine several companies and brands, so the company on your policy may carry a different name.