First Guard Insurance Company · NAIC 10676
Where First Guard Insurance Company is admitted, where it's eligible for surplus lines, the lines it's licensed for and how much of each it writes, from state regulators' public lists and market share reports.
First Guard Insurance Company (NAIC 10676) is a property and casualty insurer domiciled in Arizona, part of Biglari Holdings Group. State regulators list it as licensed (admitted) in Colorado, Florida, Georgia, Iowa, Illinois, Kentucky, Maryland, Minnesota, Missouri, Mississippi, North Carolina, New Jersey, Ohio, Oklahoma, South Carolina, South Dakota, Tennessee, Texas, Washington, Wisconsin. It ranked #157 of 237 in South Dakota commercial auto in 2025 (0.0% share). It ranked #184 of 448 in Illinois commercial auto in 2025 (0.1% share). It ranked #185 of 329 in Texas commercial auto in 2025 (0.1% share).
By Sam Alishahi, independent insurance broker · All companies
Where it's licensed
States whose regulator lists are loaded: Alaska, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Iowa, Idaho, Illinois, Kentucky, Massachusetts, Maryland, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Jersey, Nevada, New York, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Washington, Wisconsin, West Virginia, Wyoming. Not on the lists we have for Alaska, California, Connecticut, Delaware, Hawaii, Idaho, Massachusetts, Montana, North Dakota, Nebraska, Nevada, New York, Oregon, Rhode Island, Utah, West Virginia, Wyoming, which doesn't by itself mean it isn't licensed there.
| State | Status | Lines licensed | Since | Source |
|---|---|---|---|---|
| Colorado | Admitted (licensed) | Personal auto, Commercial auto, General liability | — | Colorado, 2026-10-18 |
| Florida | Admitted (licensed) | Personal auto, Commercial auto, Inland marine, General liability | — | Florida Office of Insurance Regulation, 2026-10-18 |
| Georgia | Admitted (licensed) | General liability, Commercial property (fire and allied lines), Workers' compensation | — | Georgia, 2026-10-18 |
| Illinois | Admitted (licensed) | Personal auto, Commercial auto, General liability | — | Illinois, 2026-10-18 |
| Iowa | Admitted (licensed) | — | — | Iowa, 2026-10-18 |
| Kentucky | Admitted (licensed) | — | — | Kentucky Department of Insurance, 2026-10-17 |
| Maryland | Admitted (licensed) | — | — | Maryland Insurance Administration, 2026-10-17 |
| Minnesota | Admitted (licensed) | — | — | Minnesota, 2026-10-18 |
| Mississippi | Admitted (licensed) | Personal auto, Inland marine, General liability | 07-17-2013 | Mississippi Insurance Department, 2026-10-17 |
| Missouri | Admitted (licensed) | Personal auto, Commercial auto, Inland marine, General liability | — | Missouri, 2026-10-18 |
| New Jersey | Admitted (licensed) | — | — | New Jersey, 2026-10-18 |
| North Carolina | Admitted (licensed) | Personal auto, Commercial auto, Inland marine, General liability | — | North Carolina, 2026-10-18 |
| Ohio | Admitted (licensed) | — | — | Ohio Department of Insurance, 2026-10-17 |
| Oklahoma | Admitted (licensed) | Personal auto, General liability | — | Oklahoma, 2026-10-18 |
| South Carolina | Admitted (licensed) | — | — | South Carolina, 2026-10-18 |
| South Dakota | Admitted (licensed) | Personal auto, Commercial auto, General liability | — | South Dakota, 2026-10-18 |
| Tennessee | Admitted (licensed) | — | — | Tennessee, 2026-10-18 |
| Texas | Admitted (licensed) | Personal auto, Commercial auto, Inland marine, General liability | 2006/06/15 | Texas Department of Insurance, 2026-10-17 |
| Washington | Admitted (licensed) | — | — | Washington Office of the Insurance Commissioner and the Surplus Line Association of Washington, 2026-10-17 |
| Wisconsin | Admitted (licensed) | Personal auto, Commercial auto, General liability | — | Wisconsin, 2026-10-18 |
Method and source
Each row comes from the named regulator's public company list on the date shown, joined by NAIC number. "Admitted" means licensed by the state and backed by its guaranty fund; "surplus lines" means eligible to take risks the admitted market declines, without rate or form approval and, except in New Jersey (which has a separate surplus lines guaranty fund), without guaranty fund protection. Premium and rank come from state market share reports that list every company. This is a public-records directory, not a rating or recommendation; for the company's own filings use the NAIC's Consumer Information Source.
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