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Personal-lines carriers that also insure businesses
- Global and national commercial carriers 15
- Regional carriers 20
- Personal-lines carriers that also insure businesses 9
- Specialty and E&S insurers 31
- Workers' comp specialists and state funds 7
- Medical and professional liability specialists 3
- Niche and affinity insurers 9
- Small business specialists 12
- Cyber specialists 3
- Program carriers and fronting insurers 6
- Reinsurer-owned commercial insurers 5
| # | Insurer | Type | Commercial premiums (2025) | AM Best |
|---|---|---|---|---|
| 9 | Progressive CommercialThe largest U.S. commercial auto insurer, for work vehicles, trucks and tow trucks, sold by agents and online. Most other business lines come from partners. | Personal-lines carriers that also insure businesses | $11.69 billion | A+ (Superior) |
| 12 | State FarmThe largest U.S. personal-lines insurer also writes BOPs, commercial auto, contractors and farm policies for small businesses through its own agents. | Personal-lines carriers that also insure businesses | $9.35 billion | A+ (Superior) |
| 24 | Farmers InsurancePolicyholder-owned personal-lines group managed by Zurich's Farmers Group; sells small-business package, auto and workers' comp through Farmers agents. | Personal-lines carriers that also insure businesses | $5.87 billion | A (Excellent) |
| 33 | AllstateThe big personal auto and home insurer has pulled back from Allstate-brand commercial policies; it now sells commercial auto through National General. | Personal-lines carriers that also insure businesses | $3.24 billion | A+ (Superior) |
| 41 | American Family InsuranceWisconsin mutual known for home and auto; insures small businesses and farms through AmFam agents and Main Street America's independent agents. | Personal-lines carriers that also insure businesses | $2.43 billion | A (Excellent) |
| 77 | KemperChicago nonstandard auto insurer whose Kemper Auto Commercial unit insures vehicles of contractors and small businesses in eight states via independent agents. | Personal-lines carriers that also insure businesses | $1.01 billion | A- (Excellent) |
| 93 | COUNTRY FinancialBloomington, Illinois insurer founded by farmers in 1925; sells farm, small business and workers' comp coverage through its own reps in 19 states. | Personal-lines carriers that also insure businesses | $691.8 million | A+ (Superior), stable outlook |
| 94 | Shelter InsuranceMissouri mutual selling auto, home, farm and small business policies through exclusive agents in 14 states; Haulers and AmShield use independent agents. | Personal-lines carriers that also insure businesses | $680.0 million | A (Excellent) |
| 98 | Mercury InsuranceCalifornia auto and home insurer founded in 1961. It writes commercial auto in four states and California BOPs, through independent agents. | Personal-lines carriers that also insure businesses | $628.2 million | A (Excellent) |
Ranked by 2025 U.S. commercial lines direct premiums written: NAIC 2025 market share data for 17 commercial lines (states and U.S. territories), summed by insurance group. A group's premium in a line where it is outside NAIC's top 125 is not counted. Seven groups are left out because a business cannot buy from them or their premium in these lines is mostly consumer coverage: USAA, CSAA, the Ohio Bureau of Workers' Compensation, Florida's Citizens, the Texas FAIR Plan and windstorm pool, Assurant and Generali. Brands without a rank are well-known companies inside these groups or outside the top 100.