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Commercial Auto insurers
- 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 |
|---|---|---|---|---|
| 4 | Berkshire HathawayNo. 4 U.S. business insurer through a family of separately run units: BHSI, MedPro, GUARD, biBERK, USLI, RSUI and BHHC. Major units rated A++ by AM Best. | Global and national commercial carriers | $18.64 billion | A++ (Superior) |
| 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) |
| 16 | Auto-Owners InsuranceLansing, Michigan mutual that sells only through independent agents in 26 states; a top-10 U.S. writer of commercial package, commercial auto and fire. | Regional carriers | $7.64 billion | A+ (Superior) |
| 17 | Old RepublicChicago-based specialty group (NYSE: ORI) behind Great West trucking, Bitco construction, PMA comp and large-deductible programs; No. 4 in U.S. commercial auto. | Global and national commercial carriers | $7.57 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) |
| 35 | Federated InsuranceMinnesota mutual founded in 1904 that sells property, casualty, life and bonds directly to businesses in select industries, backed by 500+ trade associations. | Niche and affinity insurers | $3.16 billion | A+ (Superior) |
| 38 | AcuitySheboygan, Wisconsin mutual selling through independent agents in 30-plus states; a major trucking insurer, rated A+ by both AM Best and S&P. | Regional carriers | $2.57 billion | A+ (Superior) |
| 43 | Sentry InsuranceWisconsin mutual founded in 1904 that insures manufacturers, dealers, truckers and large employers, plus Hortica and specialty programs; owns The General. | Niche and affinity insurers | $2.21 billion | A+ (Superior) |
| 44 | EMC InsuranceDes Moines mutual founded in 1911, selling commercial property, auto, liability, workers' comp and surety bonds through independent agents in over 40 states. | Regional carriers | $2.17 billion | A (Excellent) |
| 50 | RLIPeoria, Illinois specialty insurer writing E&S and niche admitted casualty, property, trucking and surety through brokers and agents; rated A++ by AM Best. | Specialty and E&S insurers | $1.83 billion | A++ (Superior) |
| 57 | IAT Insurance GroupPrivate Raleigh specialty carrier writing trucking and moving insurance, inland marine, E&S casualty and property, surety and management liability via agents. | Specialty and E&S insurers | $1.54 billion | A- (Excellent) |
| 64 | FCCI Insurance GroupSarasota-based mutual founded in 1959 as a contractors' comp fund; writes commercial P&C in 20 states and D.C. and surety in 45, through independent agents. | Regional carriers | $1.27 billion | A (Excellent) |
| 72 | Western NationalMinnesota mutual selling commercial package, auto, comp, niche programs and surety through independent agents in the Upper Midwest, Northwest and Alaska. | Regional carriers | $1.09 billion | A+ (Superior) |
| 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) |
| 78 | AmerisureMichigan mutual founded in 1912 that insures mid-sized construction, manufacturing and healthcare firms nationwide through select independent agencies. | Regional carriers | $984.2 million | A (Excellent) |
| 88 | AccreditedOnex-owned program manager whose A- rated insurers issue admitted and surplus lines policies for MGAs in the U.S., UK and Europe; commercial auto leads. | Program carriers and fronting insurers | $781.5 million | A- (Excellent), stable outlook; Financial Size Category IX |
| 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.