Berkshire Hathaway Tops U.S. Accident and Health Insurance Rankings for 2025

Berkshire Hathaway Insurance has clinched the top position as the leading U.S. property/casualty insurer in accident and health lines for 2025, with direct premiums written surging to $1.27 billion.

The latest rankings from Best's News & Research Service highlight a remarkable 38.1% increase in Berkshire Hathaway's premiums over the previous year, propelling it from fourth to first place. This development is significant for industry professionals monitoring shifts in the competitive landscape of accident and health insurance. Property and casualty insurers are continually navigating a dynamic market, requiring agility and strategic planning to capitalize on growth opportunities and strengthen their market positions.

Shifts in the Market Rankings

The rankings also revealed noteworthy movements among other key players. Fairfax Financial (USA) Group has climbed to the second spot, with a 33.3% rise in direct premiums written totaling $1.24 billion. This leap from third place underscores Fairfax's strong growth trajectory and effective strategy in this competitive sector.

Meanwhile, Chubb INA Group, previously ranked second, has slipped to third despite a 13% increase in premiums to $1.15 billion. State Farm Group, which held the top spot last year, now ranks fourth with a 3.7% growth in premiums to $1.15 billion, indicating a more modest growth compared to its peers. Swiss Reinsurance Group rounds out the top five, with a 29.3% increase in premiums to $877.7 million.

Key Highlights from Best’s Report

• The rankings were determined based on direct premiums written in accident and health lines for 2025.
• Percentage changes showcased a substantial growth, ranging from modest to significant among the top five players.
• Market share dynamics illustrate shifts that could affect industry competitiveness and strategy.
• Adjusted loss ratios were part of the comprehensive analysis for trends from 2023 to 2025.

This report provides valuable insights for insurance agents, brokers, and underwriters seeking to understand market movements and strategize accordingly. As insurers adjust their approaches to accommodate evolving consumer needs and market demands, understanding these competitive shifts will be critical for long-term success. Subscribers interested in deeper analysis can access the full report in Best's Financial Suite, US.