25 Largest Property and Casualty Insurance Companies in USA

 

25 Largest Property and Casualty Insurance Companies in USA- According to the National Association of Insurance Commissioners (NAIC) in 2024, there are 25 largest property and casualty insurance companies in the USA. These companies typically have written premiums amounting to billions of US dollars. Property insurance and casualty insurance (also known as P&C insurance) are types of insurance that help protect you and your property. Property and casualty (P&C) insurance provides coverage for physical properties such as homes, cars, and other belongings. These insurances also include liability coverage, which helps protect you if you are found legally responsible for an accident that causes injuries to another person or damage to their property.

All the data was commonly obtained from the National Association of Insurance Commissioners (NAIC) database in 2024. Functionally, the National Association of Insurance Commissioners (NAIC), founded in 1871, provides expertise, data, and analysis for insurance commissioners to effectively regulate the industry and protect consumers.

Many individuals in the United States of America (USA) rely on insurance companies to mitigate the unpredictable risks associated with property and casualty. Statistically, in 2023, the total Direct Premium Written by all insurance companies in the USA market amounted to USD 960,527 million. Meanwhile, the total Direct Premium Earned in the USA market reached USD 919,859 million.

Here are the ranks of 25 Largest Property and Casualty Insurance (P&C) Companies in the USA in 2023. All the data were obtained from the published market share data report of National Insurance Commissioners in 2024. This rank was arranged based on Direct Premium Written in Property and Casualty (P&C). 

 

The Rank of 100 Largest Property and Casualty Insurance Companies in the USA

 

Rank	Property and Casualty Insurance Companies	Premiums Written	Premiums Earned	Market Share
		(in Thousand USD)	(in Thousand USD)	in USA
1	State Farm Group	93,788,131	88,679,560	9.76%
2	Progressive Group	62,711,707	59,870,842	6.53%
3	Berkshire Hathaway Group	58,663,691	57,200,540	6.11%
4	Allstate Insurance Group	50,041,693	48,197,230	5.21%
5	Liberty Mutual Group	44,489,655	43,989,527	4.63%
6	Travelers Group	38,542,271	36,476,590	4.01%
7	United Services Automobile Association (USAA)	31,990,977	30,035,012	3.33%
8	Chubb Ltd Group	31,100,949	30,273,084	3.24%
9	Farmers Insurance Group	27,220,677	26,575,266	2.83%
10	Nationwide Corp Group	19,753,072	20,310,420	2.06%
11	Zurich Insurance Group	18,485,563	17,973,425	1.92%
12	American Family Insurance Group	16,626,853	15,489,751	1.73%
13	Hartford Fire & Cas Group	15,886,168	15,269,475	1.65%
14	American Intl Group	15,546,870	15,437,947	1.62%
15	CNA Insurance Group	13,241,806	12,759,622	1.38%
16	Auto Owners Group	13,108,452	11,981,803	1.36%
17	Tokio Marine Holdings Inc Group	12,005,550	11,701,458	1.25%
18	Erie Insurance Group	10,056,484	9,276,793	1.05%
19	Fairfax Fin Group	9,817,596	9,662,059	1.02%
20	WR Berkley Corp Group	9,554,188	9,078,392	0.99%
21	American Financial Group	9,043,392	8,864,358	0.94%
22	Markel Corp Group	8,789,378	8,404,642	0.92%
23	QBE Insurance Group	7,559,493	7,515,740	0.79%
24	Cincinnati Fin Group	7,455,996	7,093,753	0.78%
25	Axa Insurance Group	7,168,984	7,092,042	0.75%
26	Sompo Group	7,035,854	7,102,722	0.73%
27	Allianz Insurance Group	6,841,565	6,528,761	0.71%
28	Amtrust Financial Services Group	6,639,884	6,685,186	0.69%
29	Arch Insurance Group	6,624,703	6,464,051	0.69%
30	Starr Group	6,500,702	5,850,462	0.68%
31	The Hanover Insurance Group	5.282,390	6,146,350	0.65%
32	Assurant Inc Group	6,277,478	6,147,265	0.65%
33	Old Republic Group	5.263,057	6,014,017	0.65%
34	Auto Club Enterprises Insurance Group	5.088,121	5,570,321	0.63%
35	CSAA Insurance Group	5.041,590	5,410,588	0.63%
36	Fm Global Group	5,660,319	5,196,852	0.59%
37	Citizens Prop Insurance Corp	5,070,989	4,218,127	0.53%
38	Munich Re Group	4,833,785	4,444,049	0.50%
39	Selective Insurance Group	4,725,459	4,386,557	0.49%
40	Mercury Gen Group	4,524,921	4,334,293	0.47%
41	Brookfield Reinsurance Ltd Group	3,958,903	4,027,252	0.41%
42	Kemper Corp Group	3,816,932	4,108,230	0.40%
43	Everest Reinsurance Holdings Group	3,742,993	3,665,948	0.39%
44	Sentry Insurance Group	3,729,457	3,558,184	0.39%
45	Automobile Club Ml Group	3,388,496	3,218,562	0.35%
46	Country Insurance & Fin Serv Group	3,154,261	3,010,717	0.33%
47	Axis Capital Group	2,975,194	2,824,673	0.31%
48	BCBS Of Ml Group	2,947,567	2,880,496	0.31%
49	Westfield Group	2,873,180	2,628,666	0.30%
50	Amica Mutual Group	2,657,730	2,527,035	0.28%
51	Acuity A Mutual Insurance Co	2,588,654	2,389,523	0.27%
52	Mapfre Insurance Group	2,584,434	2,457,240	0.27%
53	Federated Mut Group	2,550,041	2,427,108	0.27%
54	Swiss Re Group	2,542,464	2,584,671	0.26%
55	Shelter Insurance Group	2,451,491	2,314,766	0.26%
56	New Jersey Manufacturers Group	2,411,498	2,241,130	0.25%
57	EMC Insurance Co Group	2,256,713	2,183,983	0.23%
58	Core Specialty Insurance Holdings Group	2,242,995	1,943,333	0.23%
59	Iowa Farm Bureau Group	2,145,527	2,000,837	0.22%
60	West Bend Insurance Co	2,121,248	2,000,407	0.22%
61	Intact Financial Group	2,043,868	1,906,378	0.21%
62	Alfa Insurance Group	2,037,712	1,900,814	0.21%
63	Southern Farm Bureau Cas Group	1,995,740	1,900,659	0.21%
64	Texas Farm Bureau Mut Group	1,981,081	1,834,017	0.21%
65	IAT Reinsurance Co Group	1,974,428	1,869,097	0.21%
66	Washington State Fund	1,950,901	1,950,901	0.20%
67	Universal Insurance Holding Group	1,921,833	1,875,129	0.20%
68	Tennessee Farmers Group	1,795,939	1,704,747	0.19%
69	Clear Blue Financial Group	1,778,102	1,682,653	0.19%
70	Ru Insurance Group	1,769,900	1,657,126	0.18%
71	State Insurance Fund Workers Compensation	1,709,193	1,728,657	0.18%
72	MS & AD Insurance Group	1,681,731	1,370,673	0.18%
73	Utica Group	1,678,147	1,595,208	0.17%
74	North Carolina Farm Bureau Group	1,647,745	1,553,763	0.17%
75	Grange Mut Cas Group	1,587,642	1,545,210	0.17%
76	Kinsale Insurance Co	1,568,815	1,367,141	0.16%
77	James River Group	1,506,668	1,496,708	0.16%
78	Farmers Mutual Hail Insurance Group	1,485,044	1,504,601	0.15%
79	Trisura Group	1,484,260	1,438,266	0.15%
80	Tiptree Fin Group	1,461,248	1,263,876	0.15%
81	Doctors Co Group	1,425,053	1,393,587	0.15%
82	Frontline Insurance Group	1,391,477	1,250,473	0.14%
83	Heritage Insurance Holdings Group	1,347,825	1,328,545	0.14%
84	Kentucky Farm Bureau Group	1,343,043	1,275,142	0.14%
85	Church Mutual Group	1,339,108	1,318,779	0.14%
86	Incline Insurance Group Llc Group	1,322,446	1,155,237	0.14%
87	Encova Mut Insurance Group	1,262,043	1,205,801	0.13%
88	Apollo Global Management Group	1,258,132	1,316,622	0.13%
89	Skyward Specialty Insurance Group Inc Group	1,239,749	1,154,626	0.13%
90	ICW Group Assets Inc Group	1,214,294	1,136,221	0.13%
91	Ohio Bureau Of Workers' Compensation	1,198,066	1,198,066	0.12%
92	Coaction Global Inc Group	1,170,331	1,054,210	0.12%
93	State Compensation Insurance Fund	1,140,751	1,139,004	0.12%
94	GNY Insurance Group	1,140,136	1,015,283	0.12%
95	FCCI Mutual Insurance Group	1,128,415	1,083,882	0.12%
96	Donegal Group	1,119,297	1,103,628	0.12%
97	Secura Insurance Group	1,118,542	1,077,210	0.12%
98	MGIC Group	1,104,854	1,137,885	0.12%
99	Western National Insurance Group	1,101,197	1,028,825	0.11%
100	Arbella Insurance Group	1,095,490	1,032,569	0.11%
Source: NAIC, 2024

 

 

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Brief Descriptions of 25 Largest Property and Casualty Insurance Companies in the USA

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1. State Farm Insurance

State Farm Insurance is one of the largest Property and casualty (P&C) insurance companies based in Bloomington, Illinois, USA. Historically, George J. Mecherle built this corporation in June 1922. George is a retired farmer who is widely regarded as one of the most powerful figures in the insurance business. With the development of its business, the State Farm employs over 57,000 people. In terms of financial ratings from Financial Intuition in USA, State Farm Insurance has financial ratings of A++ from A.M. Best®, Aa1 from Moody’s®, and AA from Standard & Poor’s. Based on the Report of National Association of Insurance Commissioners (NAIC) in 2023, the State Farm Insurance gained direct premium written around USD 93.7 billion and direct premium earned around USD 88.6 billion.

 

2. Progressive  

The Progressive Group of Insurance Companies started in the insurance business in 1937. Furthermore, the founders of progressive insurance companies were Joseph Lewis and Jack Green. Financially, in 2022, along with business development, the revenue of Progressive insurance was around $ 49.5 billion meanwhile the net income reached $ 721 million. In addition, in 2023, the total assets of Progressive were $ 59.7 billion. Furthermore, in the Property and Casualty (P&C) industry, the Progressive Insurance company gained direct premium written at USD 62.7 billion and direct premium earned around USD 59.8 billion.

 

3. Berkshire Hathaway

Berkshire Hathaway is a holding corporation that operates in a variety of industries, including insurance. Historically, Berkshire Hathaway was created in 1839 by Oliver Chace, but it was developed by Warren Buffett with the assistance of Charlie Munger. According to the 2022 Annual Report, this corporation had 948 billion US dollars in assets and 322 billion US dollars in revenue. Berkshire Hathaway owns various subsidiary insurance firms in the insurance business, including National Indemnity Company, Government Employees Insurance Company (GEICO), General Re, and others.

Statistically, Berkshire Hathaway is still one of the biggest insurance companies in the Property and Casualty (P&C) industries. According to National Association of Insurance Commissioners (NAIC) in 2023, Berkshire Hathaway gained the direct premium written about USD 58.6 billion and Direct premium earned around USD 57.2 US Dollar in 2023.

 

4. Allstate Insurance     

The Allstate Corporation is an American Insurance company and has become one of the biggest insurance companies in the Property and Casualty Insurance industry in The United States of America (USA). Historically, Allstate was launched on April 17, 1931, as a holding company, its business is conducted principally through Allstate Insurance Company and other subsidiaries. Financially, in 2023, the financial performance of Allstate reflected both strengths and challenges within the industry. Total assets were recorded at USD 103 billion, while total liabilities reached USD 85 billion, indicating a stable but leveraged financial structure. According to the market share report of National Association of Insurance Commissioners (NAIC), The direct premium written of Allstate insurance reached USD 50 billion and direct premium earned reached USD 48.1 billion.

 

5. Liberty Mutual Insurance

Liberty Mutual Insurance still became one of the biggest property and casualty (P&C) in the USA. Operationally, Liberty Mutual Insurance still has its headquarters in Berkeley Street, Boston, Massachusetts. Because of its development in insurance, Liberty Mutual Insurance company has employed over 50,000 people in 29 countries. Financially, in 2023 according to its annual report, The Liberty Mutual maintained a solid financial foundation, with total assets valued at USD 165 billion and total liabilities standing at USD 140 billion. According to the National Association of Insurance Commissioners (NAIC) in 2023, The Liberty Mutual Insurance gained a direct premium written around USD 44.4 billion.

 

6. Travelers       

The Travelers Insurance companies/ The Travelers Companies was founded in 2004 with the merger between The St. Paul Companies, Inc., and Travelers. Along with business development, Travelers has more than 30,000 employees and 13,500 independent agents and brokers in the United States, Canada, the United Kingdom, and Ireland. According to its annual report in 2022, Travelers insurance has assets around $115,717 million. Meanwhile, the revenue of traveler’s insurance was $36,884 million with net income of about $2,842 million. Based on the report of the National Association of Insurance Commissioners (NAIC), the direct premium written of travelers reached USD 38.5 billion.

 

7. The United Services Automobile Association (USAA)

United Services Automobile Association (USAA) is one of the biggest Property and Casualty (P&C) insurance companies in the United States of America (USA). USAA is headquartered in San Antonio, Texas, United States. Until 2022, this company employed 37,000 people. Financially, according to the Income statement in 2022, the revenue of USSA reached USD 36 billion. Furthermore, based on the balance sheet of the annual report, the assets of USAA were around USD 204,005 million. Furthermore, in 2023, The USAA gained a direct premium written around USD 31.9 billion.

 

8. Chubb            

Chubb is one of the world’s Property and Casualty (P&C) insurance companies in the U.S.A With operations in 54 countries. Operationally, Chubb has executive offices in Zurich, New York, London, Paris, and other locations, and employs approximately 40,000 people worldwide. In terms of the financial ratings, Chubb has financial ratings of AA from Standard & Poor’s and A++ from A.M. Best. Financially, in the report of the National Association of Insurance Commissioners (NAIC), Chubb gained a direct premium written around USD 31.1 billion.

 

9. Farmers Insurance    

Farmers insurance is one of the biggest property and casualty (P&C) insurance companies in the United States. Historically, the journey of this company was started in 1928 with the initiative of John C. Tyler and Thomas E. Leavey. Along with business development, Farmers Insurance company can serve more than 10 million households with more than 19 million individual policies in 50 states of the USA. Furthermore, farmers insurance has 48,000 exclusive and independent agents and 21,000 employees. According to the report of National Association of Insurance Commissioners (NAIC) in 2023, The farmer insurance gained a direct premium written around USD 27.2 billion.

 

10. Nationwide Mutual Insurance Company

Nationwide Mutual Insurance Company is one of the biggest Property and Casualty (P&C) insurance companies in the United States of America (USA). This insurance company was founded in the 1920s as Farm Bureau Mutual and later in 1955, the name was changed into Nationwide insurance. To date, this company has headquartered in One Nationwide Plaza, Columbus, Ohio, U.S.A. Furthermore, Nationwide has some financial ratings including A+ from AM Best, A1 from Moody’s, and A+ Standard & Poor’s. Based on the report of National Association of Insurance Commissioners (NAIC), Nationwide gained a direct premium written around USD 19.7 billion.

 

11. Zurich Insurance     

As one of the biggest property and casualty (P&C) insurance companies in the USA, Zurich Insurance Group Ltd still has a primary office in Zürich. Historically, this company was founded in 1872 with the name of Versicherungs-Verein (insurance associations). Along with business development from time to time, this insurance company has employed around 56 thousand people and provides a wide range of insurance products in more than 210 countries. Financially, based on the financial conditions on the Balance sheet in 2023, the company has total assets around USD 361 billion with total liabilities around USD 335 billion. Based on the business performance in 2023, the company gained revenue of USD 56 billion and net income around USD 4.7 billion. In the report of National Association of Insurance Commissioners (NAIC), Zurich Insurance gained a direct premium written around USD 18.4 billion.

 

12. American Family Insurance

American Family Insurance started its business on October 3rd, 1927. Operationally, this company has a primary office in Madison, Wisconsin, USA. According to the National Association of Insurance Commissioners (NAIC), American Family Insurance gained a direct premium written around USD 16.6 billion. Financially, as of 2019, total assets of American Family Insurance reached USD 31.1 billion with total employees reaching 13,500 people.

 

13. The Hartford Insurance

Hartford Insurance started the business in 1810 as a fire insurance company. Nowadays, this company is also one of the biggest insurance companies in Property & casualty (P&C) insurance industries with total employees of Approximately 18,700 people. As of December 31, 2023, total assets and total stockholders’ equity of The Hartford were $76.8 billion and $15.3 billion. In terms of business performance, Hartford Insurance gained total revenue of USD 24.5 billion with a net income of USD 853 million. Overall, according to the National Association of Insurance Commissioners (NAIC), the direct premium written by Hartford insurance in the Property and Casualty (P&C) segment reached USD 15.8 billion.

 

14. American International Group (AIG)

American International Group, Inc., also known as AIG, is an American multinational insurance corporation. Historically, it was founded by Cornelius Vander Starr on December 19, 1919. In 2023, based on the financial condition on the balance sheet in the annual report of 2023, the American-based company has total assets around USD 539 billion with total liabilities around USD 488 billion. Based on the business performance in 2021, the company can get revenue around USD 46.8 billion with net income around USD 3.8 billion. According to the report of National Association of Insurance Commissioners (NAIC), the American International Group (AIG) gained a direct premium written around USD 15.5 billion.

 

15. CNA Insurance          

CNA Financial Corporation was founded in 1897 and still has a central office in Chicago, Illinois, U.S. With more than 125 years of experience, CNA has more than 6,000 employees and has 59 offices in 11 countries. Financially, in 2023, the total net income of CNA reached USD 1.2 billion. Based on the report of National Association of Insurance Commissioners (NAIC) in 2023, CAN financially gained direct premiums written in property and casualty (P&C) around USD 13.2 billion.

 

16. Auto Owners  Insurance         

Auto-Owners Insurance Group was founded in 1916 by Vern V. Moulton with headquarters in Lansing, Michigan. Along with business development, Auto-owners insurance has 6,299 agencies in 26 states. Based on financial ratings, Auto owners got The AM Best Company gives Auto-Owners an A++ (Superior) from The AM Best Company. Overall, according to the National Association of Insurance Commissioners (NAIC), the direct premium written of Auto Owners reached USD 13.1 billion.

 

17. Tokio Marine Holdings Inc  

Tokio Marine Holdings, Inc. is an insurance company that has a primary office in Tokyo. Historically, this company was founded in 1879. Along with the business development of the company, Tokio Marine operated in 46 countries with total employees of 43,000 people worldwide. Financially, as of March 2023, Tokio Marine holding has total assets of JPY 27.6 trillion and gained net adjusted income reaching JPY 444 billion. In the property and casualty (P&C) industry, according to the report of National Association of Insurance Commissioners (NAIC), Tokio Marine Holdings gained a direct premium written of 11.1 billion US Dollar.

 

18. Erie Insurance         

Erie Insurance Group is the insurance company which was founded in 1925 by H.O. Hirt (1887-1982) and O.G. Crawford (1884-1961). Nowadays, Operationally, this company has its headquarters in Erie, Pennsylvania which employs Over 6,500 people and 14,000 independent agents. According to the Report of NAIC in 2023, the direct written premium of Erie insurance reached USD 10 billion.

 

19. Fairfax Financial Holdings    

Fairfax Financial Holdings is one of the largest insurance companies in the USA. Historically, this company was founded in 1951. According to the Annual Report in 2023, Fairfax Financial Holdings has total assets reaching USD 91.9 billion and has net income of USD 5 billion. In the Property and Casualty (P&C) industry According to the report of NAIC, Fairfax Financial Holdings gained a direct premium written around USD 9.8 billion.

 

20. W.R. Berkley Corporation

W. R. Berkley Corporation was founded in 1967 by William R. Berkley. Along with business development, financially, in 2022, total assets of W.R Berkley Corporation reached USD 33.861 billion with net income of USD 1.3 billion. Based on the report of NAIC, W.R. Berkley Corporation gained a direct premium written around USD 9.5 billion.

21. American Financial Group   

American Financial Group, Inc. is a holding company based in Cincinnati, Ohio and founded in 1959. In the Property and Casualty insurance (P&C) sector, American Financial Group operates 35 diversified businesses, providing a wide range of specialty commercial coverages within three main categories: Property and Transportation, Specialty Casualty, and Specialty Financial. Furthermore, financially in 2023, In the property and casualty (P&C) industry, American Financial Group (AFG) successfully gained a direct premium written around USD 9 billion.

 

22. Markel Group          

Markel Insurance has over 5,000 employees across the globe. Based on the financial ratings, Markel got A from S&P, A from A.M. Best and A2 from Moody’s. Financially, in 2023, according to its annual report, Total assets of Markel Group reached USD 55 billion with operating income of USD 2.9 billion. According to the report of NAIC, the Markel gained a direct premium written around USD 8.7 billion.

23. QBE Insurance Group

Established in the insurance industry in 1886, QBE has developed and expanded to become a global insurer and reinsurer, maintaining a local presence in 27 countries, with its headquarters located in Sydney. In 2023, QBE achieved a total gross written premium of USD 21.7 billion. In Property and Casualty (P&C) business in the USA, QBE Insurance Group successfully gained direct premium written around USD 7.5 billion.

24. Cincinnati Financial Group

Founded in 1950, Cincinnati Financial Corporation has property and casualty insurance products in its business. In the year 2020, according to its financial report, Cincinnati Financial has total assets of USD 27.5 billion. Financially, in 2023, the Cincinnati financial group successfully collected direct premium written around USD 7.4 billion.

25. AXA Insurance Group

AXA is a France-based insurance company that was founded in 1816 by Claude Bébéar. Along with business development, Axa has grown in over 51 countries with a total of 147,000 employees and serving around 94 million clients. Specifically, Axa has three major business lines, namely property-casualty insurance, life & savings, and asset management. In 2023, financially, based on its published annual report, the company has total assets around EUR 644 billion/ USD 669 billion and total liabilities around EUR 592 billion/ USD 615 billion. Specifically, in Property and Casualty (P&C) of 2023, the report of NAIC showed that AXA gained a direct premium written around USD 7.1 billion in US markets.

 

The Summary of 25 Largest Property and Casualty Insurance Companies in the USA Based on Direct Premium Written in 2023

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Bibliography of 25 Largest Property and Casualty Insurance Companies in USA

National Association of Insurance Commissioners (NAIC). 2024. Property and Casualty Insurance Industry (Total All Lines). Accessed via https://content.naic.org/article/naic-releases-2023-market-share-data on December 27th, 2024.

State Farm Group. 2023. Annual Report 2023. Accessed via https://www.statefarm.com on December 25th, 2024. 

Berkshire Hathaway. 2023. Annual Report 2023. Accessed via https://www.berkshirehathaway.com/reports.html  on December 25th, 2024. 

Progressive. 2024. Annual Report 2023. Accessed via https://investors.progressive.com/home/default.aspx  on December 25th, 2024. 

Allstate Insurance. 2024. Annual Report 2023. Accessed via https://www.allstatecorporation.com on December 25th, 2024. 

Liberty Mutual. 2024. Annual Report 2023. Accessed via https://www.libertymutualgroup.com/about-lm/investor-relations/overview  on December 25th, 2024. 

Travelers. 2024. Annual Report 2023. Accessed via https://investor.travelers.com/home/default.aspx on December 25th, 2024. 

Chubb. 2024. Annual Report 2023. Accessed via https://www.chubb.com/id-en/ on December 25th, 2024. 

United Serv Automobile. 2024. Annual Report 2023. Accessed via https://www.usaa.com/ on December 25th, 2024. 

Farmers Insurance. 2024. Annual Report 2023. Accessed via https://www.farmers.com/ on December 25th, 2024. 

Nationwide Corporation. 2024. Annual Report 2023. Accessed via https://www.nationwide.com on December 25th, 2024. 

Zurich Insurance. 2024. Annual Report 2023. Accessed via https://www.zurich.com/en/investor-relations  on December 25th, 2024. 

AIG. 2024. Annual Report 2023. Accessed via https://www.aig.com/home/investor-relations on December 25th, 2024. 

Hartford Fire & Cas. 2024. Annual Report 2023. Accessed via https://www.thehartford.com/  on December 25th, 2024. 

American Family Ins. 2024. Annual Report 2023. Accessed via https://www.amfam.com/ on December 25th, 2024. 

CNA Insurance. 2024. Annual Report 2023. Accessed via https://www.cna.com/web/guest/cna/home on December 25th, 2024. 

Tokio Marine Holdings Inc. 2024. Annual Report 2023. Accessed via www.tokiomarine.com/    on August 25th, 2023. 

Auto Owners. 2024. Annual Report 2023. Accessed via https://www.auto-owners.com on December 25th, 2024. 

Fairfax Financial. 2024. Annual Report 2023. Accessed via https://www.fairfax.ca/investors/  on December 25th, 2024. 

Wr Berkley Corp. 2024. Annual Report 2023. Accessed via https://ir.berkley.com on December 25th, 2024. 

Assurant Inc. 2023. 2024. Annual Report 2023. Accessed via https://www.assurant.com   on December 25th, 2024. 

American Financial. 2024. Annual Report 2023. Accessed via https://www.afginc.com on December 25th, 2024. 

Erie Insurance. 2024. Annual Report 2023. Accessed via https://www.erieinsurance.com/  on December 25th, 2024. 

Markel Corporation. 2024. Annual Report 2023. Accessed via https://www.markel.com   on December 25th, 2024.