| In the United States, standard line insurance companies are "mainstream" insurers. These are the companies that typically insure autos, homes or businesses. They use pattern or "cookie-cutter" policies without variation from one person to the next. They usually have lower premiums than excess lines and can sell directly to individuals. They are regulated by state laws that can restrict the amount they can charge for insurance policies. Excess line insurance companies (aka Excess and Surplus) typically insure risks not covered by the standard lines market. They are broadly referred as being all insurance placed with non-admitted insurers. Non-admitted insurers are not licensed in the states where the risks are located. These companies have more flexibility and can react faster than standard insurance companies because they are not required to file rates and forms as the "admitted" carriers do. However, they still have substantial regulatory requirements placed upon them. State laws generally require insurance placed with surplus line agents and brokers not to be available through standard licensed insurers. |
 | Northland Insurance Company National commercial insurance company offering physical damage, non-trucking use "bobtail" liability, cargo and primary liability insurance coverage. |
 | Ohio Casualty Group Includes the Ohio Casualty Insurance Company and several affiliated carriers. Offers auto, home, and business insurance throughout the USA. Site describes the company as well as providing agent and office locations. - Read more http://www.ocas.com |
 | Old United Casualty Offering specialized products offered are such as automotive, marine, boat, yacht, and extended service. - Read more http://www.oldunited.com |
 | Oxford Mutual Insurance Company Canadian property and casualty insurer. Provides a full line of property, casualty and automobile insurance for farms, residences and small commercial enterprises. - Read more http://www.oxfordmutual.com |
 | Penn National Insurance Mutual insurance company that sells a wide variety of business and personal insurance products. - Read more http://www.pennnationalinsurance.com |
 | Philadelphia Insurance Companies Designs, markets and underwrites personal and commercial property and casualty insurance products for select classes of business across the United States. - Read more http://www.phly.com |
 | Portage Mutual Insurance A Canadian-owned mutual insurance company. Offers insurance products for personal/residential, automobile, retail/commercial, and agricultural business coverage. - Read more http://www.portagemutual.com |
 | Progressive Insurance Provides instant online auto insurance quotes, insurance rate comparisons. Offers motorcycle, RV, boat, or car insurance. Purchase insurance online. - Read more http://www.progressive.com |
 | ProMutual Group Provides insurance, risk management and claims service for caregivers in the Northeast. Offers choice between claims made and occurrence professional liability insurance policies. - Read more http://www.promutualgroup.com |
 | Republic Western Insurance Company A property and casualty company that offers specialty insurance for personal, commercial and reinsurance markets. Subsidiary of AMERCO. - Read more http://www.repwest.com |
 | Rockford Mutual Insurance Company Writes automobile, homeowners, farmowners, commercial, and other personal coverages in Illinois, Wisconsin, Indiana, and Missouri. Also a reinsurer of farm mutual insurance companies in Illinois, Indiana, and Wisconsin. - Read more http://www.rockfordmutual.com |
 | Rockingham Group Offers insurance for auto, home, and farm owners. Available in Pennsylvania and Virginia. - Read more http://www.rockinghamgroup.com |
 | Royal & Sun Alliance Insurance Company Canada Provides insurance throughout Canada for home, auto, business, and marine needs. Site offers tools such as glossary and worksheets for home maintenance and home inventory. - Read more http://www.royalsunalliance.ca |
 | Security Mutual Insurance Company New York State regional multi-line carrier. Specializing in homeowner, landlord package, and mobile homeowner insurance. - Read more http://www.securitymutual.com |
 | Selective Insurance Group, Inc. Writes property and casualty insurance, and fidelity and surety insurance. (Nasdaq: SIGI). - Read more http://www.selectiveinsurance.com |
