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Liability 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 |
|---|---|---|---|---|
| 2 | ChubbGlobal insurer and the No. 1 U.S. writer of business liability coverage. A++ rated, with Westchester for E&S and online quotes for small firms. | Global and national commercial carriers | $23.25 billion | A++ (Superior) |
| 13 | Fairfax FinancialToronto-based Fairfax owns Crum & Forster, Allied World, Zenith and Hudson: specialty, excess and surplus lines and workers' comp sold through brokers. | Specialty and E&S insurers | $9.09 billion | A+ (Superior) |
| 15 | MarkelVirginia specialty insurer writing E&S, professional liability, programs, surety and niche small business packages through wholesalers, agents and MGAs. | Specialty and E&S insurers | $7.73 billion | A (Excellent) |
| 20 | AXA XLAXA's commercial and specialty division, built on XL Group (bought 2018); writes liability, excess, property and specialty lines for mid-size and large firms. | Global and national commercial carriers | $6.76 billion | A+ (Superior) |
| 22 | Cincinnati InsuranceOhio insurer sold only through independent agents in 46 states; known for three-year commercial packages, local field claims staff and its own E&S company. | Regional carriers | $6.32 billion | A+ (Superior) |
| 27 | Selective InsuranceNew Jersey super-regional selling commercial package, auto, comp and bonds through independent agents in 38 states, plus E&S nationwide via MUSIC. | Regional carriers | $4.82 billion | A+ (Superior) |
| 30 | Erie InsurancePolicyholder-owned reciprocal in Erie, Pa., selling small business packages, auto and comp through local agents in 12 states and D.C.; No. 1 in J.D. Power 2026. | Regional carriers | $3.96 billion | A (Excellent) |
| 34 | AXIS CapitalBermuda-based specialty insurer selling E&S casualty and property, professional, management, cyber and construction lines to mid-size and large U.S. firms. | Specialty and E&S insurers | $3.23 billion | A (Excellent) |
| 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) |
| 48 | Kinsale InsuranceRichmond, Va., E&S-only insurer founded in 2009, writing hard-to-place casualty, property and professional risks for small and midsize firms via wholesalers. | Specialty and E&S insurers | $1.93 billion | A (Excellent) |
| 51 | West Bend InsuranceWisconsin regional founded in 1894 that sells business insurance in 14 states and surety bonds nationwide through independent agents only. | Regional carriers | $1.75 billion | A (Excellent) |
| 52 | Utica NationalUpstate New York mutual founded in 1914, known for school, volunteer fire department and insurance agents' E&O programs, sold through independent agents. | Regional carriers | $1.64 billion | A (Excellent) |
| 55 | Ascot GroupBermuda specialty insurer majority-owned by CPP Investments; its U.S. arm writes E&S and excess casualty, professional lines, surety, marine and comp. | Specialty and E&S insurers | $1.58 billion | A (Excellent) |
| 58 | Coaction SpecialtyNew Jersey specialty insurer (formerly ProSight) owned by TowerBrook and Further Global: E&S casualty and property, marine, energy, entertainment and D&O. | Specialty and E&S insurers | $1.51 billion | A- (Excellent) |
| 68 | Aspen InsuranceBermuda specialty insurer and reinsurer owned by Apollo funds from 2019 and by Sompo since February 2026; known for excess casualty, professional lines and E&S. | Specialty and E&S insurers | $1.18 billion | A+ (Superior) |
| 70 | Church MutualWisconsin specialist that insures more than 50,000 churches plus nonprofits, schools and camps; rated A (Excellent) with a negative outlook since 2024. | Niche and affinity insurers | $1.14 billion | A (Excellent), negative outlook |
| 76 | SECURA InsuranceWisconsin mutual founded in 1900 that sells business, nonprofit, special-event and farm insurance in 13 states through independent agents. | Regional carriers | $1.03 billion | A (Excellent) |
| 83 | Brotherhood MutualFort Wayne insurer for churches, Christian schools, colleges, camps and mission groups since 1917. Rated B++ by AM Best after a 2024 downgrade. | Niche and affinity insurers | $918.8 million | B++ (Good) |
| 90 | GuideOne InsuranceWest Des Moines insurer of churches, other religious organizations and human services nonprofits, plus program business; A- (Excellent) with a negative outlook. | Niche and affinity insurers | $743.4 million | A- (Excellent), negative outlook |
| 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 |
| 99 | HiscoxLloyd's-rooted specialist that sells professional liability, GL, BOP and cyber to U.S. small businesses online and through brokers, plus E&S lines via Lloyd's. | Small business specialists | $626.0 million | A (Excellent) |
| — | Allied WorldFairfax-controlled Bermuda specialty insurer writing excess casualty, D&O, healthcare, environmental and property for midsize and large U.S. accounts. | Specialty and E&S insurers | — | A+ (Superior) |
| — | Berkshire Hathaway GUARD Insurance CompaniesBerkshire Hathaway's agent-sold small and mid-sized business insurer in Wilkes-Barre, PA: workers' comp, BOPs, commercial auto, GL and umbrella. A+ AM Best. | Small business specialists | — | A+ (Superior) |
| — | Berkshire Hathaway Specialty InsuranceBerkshire Hathaway's Boston-based specialty arm, launched in 2013: property, casualty, D&O, E&O, healthcare liability, surety and marine through brokers. | Specialty and E&S insurers | — | A++ (Superior) |
| — | biBERKBerkshire Hathaway's direct-to-business insurer: comp, BOP, GL, E&O, commercial auto and umbrella quoted and bought online or by phone, no agent needed. | Small business specialists | — | A++ (Superior) |
| — | Crum & ForsterFairfax's Morristown specialty carrier: admitted and E&S casualty, construction, property, surety and accident and health, sold through agents and wholesalers. | Specialty and E&S insurers | — | A+ (Superior) |
| — | HuckleberryOnline insurance agency owned by Paychex since 2023. Quotes workers' comp, BOP and GL from carriers such as AmTrust, Chubb and The Hartford. | Small business specialists | — | — |
| — | InsureonOnline independent agency in Chicago, owned by HUB International since 2022. Quotes small businesses with carriers such as The Hartford, Chubb and Hiscox. | Small business specialists | — | — |
| — | NEXT InsuranceOnline small business insurer founded in 2016, owned outright by Munich Re's ERGO since July 2025 and now branded ERGO NEXT: GL, BOP, comp, auto and E&O. | Small business specialists | — | A+ (Superior) |
| — | Philadelphia Insurance CompaniesTokio Marine's PHLY writes package, auto and management liability for 120-plus niches, from nonprofits and HOAs to gyms, camps and special events. | Niche and affinity insurers | — | A++ (Superior) |
| — | Simply BusinessOnline insurance agency owned by Travelers since 2017. Compares quotes from about 18 carriers, such as Travelers, Hiscox, biBERK and Markel, for small firms. | Small business specialists | — | — |
| — | ThimbleOnline agency owned by Arch selling general liability by the hour, month or year. Policies are issued by Markel Insurance Co. and National Specialty. | Small business specialists | — | — |
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.