Fire & Allied Lines, Top Writers, United States--2004
Rank is based on 2004 direct premiums written.
($ Thousands)
2004 Direct %
Premiums Change in
Rank Company/Group AMB # Written Premiums
1 Amer Intl Group, Inc 18540 $1,623,525 0.9
2 St. Paul Travelers Cos 18647 1,448,430 -8.0
3 FM Global Group 18502 1,327,941 -13.5
4 Ace INA Group 18498 1,322,711 18.9
5 Zurich Finl Svcs North 18549 1,153,533 -12.9
America Grp
6 Allianz of America, Inc 18429 811,641 -15.0
7 Hartford Ins Group 00048 655,733 0.6
8 Centurion Ins Group 18188 614,662 30.5
9 Assurant Solutions 18499 610,533 7.8
10 Great Amer P&C Ins Group 04835 598,579 22.3
11 Alleghany Ins Holdings 18640 548,207 116.2
12 State Farm Group 00088 503,417 5.0
13 XL America Group 18491 485,549 31.1
14 CA Earthquake Authority 12534 465,467 6.6
15 Nationwide Group 05987 421,862 6.1
16 Liberty Mutual Ins Cos 00060 396,727 21.5
17 Farmers Alliance Cos 00114 370,274 12.3
18 Allstate Ins Group 00008 365,881 2.8
19 Farmers Ins Group 00032 341,905 16.6
20 Safeco Ins Cos 00078 329,259 9.0
21 Fidelity Natl Group 18606 321,724 61.6
22 Balboa Ins Group 04062 290,619 -4.0
23 Fairfax Financial (USA) 03116 276,403 -8.7
Group
24 USAA Group 04080 252,063 18.0
25 CNA Ins Cos 18313 240,617 0.9
Top 25 Writers $15,777,262 4.5
Total U.S. P/C Industry $23,375,257 2.3
Market Share (%)
Rank Company/Group 2004 2003 2002
1 Amer Intl Group, Inc 6.9 7.0 6.9
2 St. Paul Travelers Cos 6.2 6.9 6.9
3 FM Global Group 5.7 6.7 6.9
4 Ace INA Group 5.7 4.9 4.4
5 Zurich Finl Svcs North 4.9 5.8 6.0
America Grp
6 Allianz of America, Inc 3.5 4.2 4.3
7 Hartford Ins Group 2.8 2.9 2.7
8 Centurion Ins Group 2.6 2.1 2.1
9 Assurant Solutions 2.6 2.5 2.1
10 Great Amer P&C Ins Group 2.6 2.1 1.7
11 Alleghany Ins Holdings 2.3 1.1 0.0
12 State Farm Group 2.2 2.1 2.3
13 XL America Group 2.1 1.6 1.4
14 CA Earthquake Authority 2.0 1.9 2.1
15 Nationwide Group 1.8 1.7 1.7
16 Liberty Mutual Ins Cos 1.7 1.4 1.3
17 Farmers Alliance Cos 1.6 1.4 1.2
18 Allstate Ins Group 1.6 1.6 1.7
19 Farmers Ins Group 1.5 1.3 1.3
20 Safeco Ins Cos 1.4 1.3 1.1
21 Fidelity Natl Group 1.4 0.9 0.1
22 Balboa Ins Group 1.2 1.3 1.0
23 Fairfax Financial (USA) 1.2 1.3 1.3
Group
24 USAA Group 1.1 0.9 0.9
25 CNA Ins Cos 1.0 1.0 1.1
Top 25 Writers 67.5 66.0 62.8
Total U.S. P/C Industry 100.0 100.0 100.0
Adjusted Loss Ratios
Rank Company/Group 2004 2003 2002
1 Amer Intl Group, Inc 67.6 44.6 48.8
2 St. Paul Travelers Cos 62.0 39.8 9.0
3 FM Global Group 43.3 34.5 33.3
4 Ace INA Group 45.1 54.8 22.5
5 Zurich Finl Svcs North 63.8 40.1 27.0
America Grp
6 Allianz of America, Inc -7.4 48.4 95.2
7 Hartford Ins Group 49.9 45.7 42.7
8 Centurion Ins Group 93.3 112.9 138.5
9 Assurant Solutions 40.8 29.9 31.0
10 Great Amer P&C Ins Group 63.5 60.4 72.4
11 Alleghany Ins Holdings 101.1 11.1 42.4
12 State Farm Group 49.4 24.9 52.3
13 XL America Group 72.6 61.2 -5.9
14 CA Earthquake Authority -0.5 1.2 0.0
15 Nationwide Group 100.3 52.4 39.4
16 Liberty Mutual Ins Cos 36.6 36.1 30.7
17 Farmers Alliance Cos 95.0 93.4 98.1
18 Allstate Ins Group 62.5 44.8 48.1
19 Farmers Ins Group 93.5 102.9 131.4
20 Safeco Ins Cos 37.2 32.0 43.9
21 Fidelity Natl Group 134.2 20.4 19.3
22 Balboa Ins Group 37.4 32.2 48.2
23 Fairfax Financial (USA) 74.2 50.3 24.1
Group
24 USAA Group 127.1 50.1 45.0
25 CNA Ins Cos 32.2 19.9 20.3
Top 25 Writers 58.1 45.6 43.2
Total U.S. P/C Industry 59.8 46.5 48.5
% of
Company
Rank Company/Group Premiums
1 Amer Intl Group, Inc 5.7
2 St. Paul Travelers Cos 6.5
3 FM Global Group 63.3
4 Ace INA Group 20.5
5 Zurich Finl Svcs North 8.7
America Grp
6 Allianz of America, Inc 16.9
7 Hartford Ins Group 5.8
8 Centurion Ins Group 99.4
9 Assurant Solutions 28.6
10 Great Amer P&C Ins Group 16.5
11 Alleghany Ins Holdings 36.5
12 State Farm Group 1.1
13 XL America Group 16.0
14 CA Earthquake Authority 100.0
15 Nationwide Group 2.9
16 Liberty Mutual Ins Cos 2.5
17 Farmers Alliance Cos 73.7
18 Allstate Ins Group 1.5
19 Farmers Ins Group 2.4
20 Safeco Ins Cos 5.8
21 Fidelity Natl Group 74.9
22 Balboa Ins Group 41.7
23 Fairfax Financial (USA) 16.1
Group
24 USAA Group 3.1
25 CNA Ins Cos 2.2
Top 25 Writers 6.5
Total U.S. P/C Industry 5.0
Source: A.M. Best Co.
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