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Directory · California · Surety bonds

Who writes surety bonds in California

Ranked by direct premium written in 2025 from the California Department of Insurance market share report (every company, not a top-N list).

148 companies wrote surety bonds in California in 2025, $1.27B in direct premium. Liberty Mutual Insurance Company led with 10.1%; the top five hold 35%.

By Sam Alishahi, independent insurance broker · All lines in California

Top 10 · NAIC table: 24 - Surety

The insurer groups that write the most surety bonds in California

Top 10 insurer groups by direct premium written in 2025, from the NAIC's Market Share Reports for Property/Casualty Groups and Companies by State. A group is the parent and its insurance companies together; share is the group's part of the state total for the line; loss ratio is losses incurred over premium earned.

#Insurer groupPremium writtenShareLoss ratioMember companies here
1Liberty Mutual Group$174.4M13.57%11%Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
2Travelers Group$144.5M11.24%16%Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
3Tokio Marine Holdings Inc Group$106.0M8.24%—Philadelphia Indemnity Insurance Company, Privilege Underwriters Reciprocal Exchange, PURE Risk Mgt, Atty-in-Fact, Safety National Casualty Corporation, Producers Agriculture Insurance Company
4Zurich Insurance Group$81.4M6.34%—Zurich American Insurance Company, Rural Community Insurance Company, American Zurich Insurance Company, American Guarantee and Liability Insurance Company
5Chubb Ltd Group$78.4M6.10%—Federal Insurance Company, Ace American Insurance Company, Ace Property and Casualty Insurance Company, Chubb Lloyd's Insurance Company of Texas
6Cna Insurance Group$72.0M5.60%13%Continental Casualty Company, Continental Insurance Company, (The), American Casualty Company of Reading, Pennsylvania, National Fire Insurance Company of Hartford
7Iat Reinsurance Co. Group$44.0M3.42%1%SureChoice Underwriters Reciprocal Exchange, OCCIDENTAL FIRE \u0026 CASUALTY COMPANY OF NORTH CAROLINA, Harco National Insurance Company, Elevate Reciprocal Exchange
8Berkshire Hathaway Group$43.5M3.38%7%GEICO General Insurance Company, GEICO Texas County Mutual Insurance Company, GEICO County Mutual Insurance Company, Government Employees Insurance Company
9Markel Group$39.5M3.08%7%State National Insurance Company, Inc., Markel Insurance Company, Markel American Insurance Company, Essentia Insurance Company
10Intact Financial Group$39.0M3.03%9%Atlantic Specialty Insurance Company, Homeland Insurance Company of New York, OBI National Insurance Company, Homeland Insurance Company of Delaware
Surety bonds · California

The companies

#CompanyNAICHome stateStatus herePremiumShare
1Liberty Mutual Insurance Company23043MAAdmitted (licensed)$128.7M10.13%
2Travelers Casualty and Surety Company of America31194CTAdmitted (licensed)$125.7M9.90%
3Fidelity and Deposit Company of Maryland (The)39306ILAdmitted (licensed)$70.5M5.55%
4Federal Insurance Company20281INAdmitted (licensed)$68.1M5.36%
5Western Surety Company13188SDAdmitted (licensed)$57.3M4.51%
6American Contractors Indemnity Company10216CAAdmitted (licensed)$46.3M3.65%
7Ohio Casualty Insurance Company (The)24074NHAdmitted (licensed)$44.0M3.47%
8Atlantic Specialty Insurance Company27154NYAdmitted (licensed)$39.0M3.07%
9Nationwide Mutual Insurance Company23787OHAdmitted (licensed)$37.8M2.98%
10Hartford Fire Insurance Company19682CTAdmitted (licensed)$33.2M2.61%
11Merchants Bonding Company (Mutual)14494IAAdmitted (licensed)$31.3M2.46%
12Philadelphia Indemnity Insurance Company18058PAAdmitted (licensed)$29.8M2.35%
13U.S. Specialty Insurance Company29599TXAdmitted (licensed)$29.2M2.30%
14Berkshire Hathaway Specialty Insurance Company22276NEAdmitted (licensed)$27.3M2.15%
15Allegheny Casualty Company13285NJAdmitted (licensed)$24.0M1.89%
16SureTec Insurance Company10916TXAdmitted (licensed)$21.3M1.68%
17United States Fire Insurance Company21113DEAdmitted (licensed)$19.7M1.55%
18SiriusPoint America Insurance Company38776NYAdmitted (licensed)$19.0M1.49%
19Harco National Insurance Company26433ILAdmitted (licensed)$18.7M1.47%
20Travelers Casualty and Surety Company19038CTAdmitted (licensed)$18.5M1.46%
21Old Republic Surety Company40444WIAdmitted (licensed)$18.5M1.45%
22Great American Insurance Company16691OHAdmitted (licensed)$17.9M1.41%
23Markel Insurance Company38970ILAdmitted (licensed)$17.0M1.34%
24Endurance Assurance Corporation11551DEAdmitted (licensed)$16.0M1.26%
25Swiss Re Corporate Solutions America Insurance Corporation29874MOAdmitted (licensed)$13.6M1.07%
26Continental Insurance Company, (The)35289PAAdmitted (licensed)$12.9M1.01%
27American Alternative Insurance Corporation19720DEAdmitted (licensed)$12.5M0.99%
28RLI Insurance Company13056ILAdmitted (licensed)$12.1M0.95%
29Developers Surety and Indemnity Company12718CAAdmitted (licensed)$11.8M0.93%
30FINANCIAL CASUALTY \u0026 SURETY, INC.35009TXAdmitted (licensed)$11.8M0.93%
31Everest Reinsurance (Bermuda) Limited -26921DEAdmitted (licensed)$11.4M0.90%
32Arch Insurance (UK) Limited11150MOAdmitted (licensed)$11.3M0.89%
33Great Midwest Insurance Company18694TXAdmitted (licensed)$11.0M0.86%
34Zurich American Insurance Company16535NYAdmitted (licensed)$11.0M0.86%
35XL Specialty Insurance Company37885DEAdmitted (licensed)$10.6M0.83%
36Berkley Assurance Company32603DEAdmitted (licensed)$10.2M0.80%
37Everest National Insurance Company10120DEAdmitted (licensed)$9.4M0.74%
38Euler Hermes North America Insurance Company20516MDAdmitted (licensed)$9.0M0.71%
39Platte River Insurance Company18619NEAdmitted (licensed)$8.9M0.70%
40Palomar Casualty and Surety Company10671LAAdmitted (licensed)$8.6M0.67%
41UNITED FIRE \u0026 CASUALTY COMPANY13021IAAdmitted (licensed)$7.8M0.61%
42Lexon Insurance Company13307TXAdmitted (licensed)$7.2M0.56%
43Hanover Insurance Company (The)22292NHAdmitted (licensed)$6.9M0.54%
44Seaview Insurance Company10004CAAdmitted (licensed)$6.3M0.50%
45North River Insurance Company (The)21105NJAdmitted (licensed)$6.1M0.48%
46Lexington National Insurance Corporation37940FLAdmitted (licensed)$4.9M0.39%
47AXIS Insurance Company37273ILAdmitted (licensed)$4.8M0.38%
48Westchester Fire Insurance Company10030PAAdmitted (licensed)$4.8M0.37%
49ASCOT SURETY \u0026 CASUALTY COMPANY30279COAdmitted (licensed)$4.5M0.35%
50United Casualty and Surety Insurance Company36226NEAdmitted (licensed)$4.4M0.35%
51Trisura Insurance Company22225OKAdmitted (licensed)$4.0M0.31%
52Bankers Insurance Company33162FLAdmitted (licensed)$4.0M0.31%
53Indemnity National Insurance Company18468MSAdmitted (licensed)$3.9M0.31%
54Capitol Indemnity Corporation10472WIAdmitted (licensed)$3.9M0.31%
55California Insurance Company38865CAAdmitted (licensed)$3.5M0.28%
56National Indemnity Company20087NEAdmitted (licensed)$3.1M0.25%
57Contractors Bonding and Insurance Company37206ILAdmitted (licensed)$3.1M0.24%
58Evergreen National Indemnity Company12750OHAdmitted (licensed)$2.9M0.23%
59Amherst National Insurance Company16379NCAdmitted (licensed)$2.8M0.22%
60Ascot Insurance Company23752COAdmitted (licensed)$2.6M0.20%
61Granite Re, Inc.26310MNAdmitted (licensed)$2.5M0.20%
62Pacific Indemnity Company20346DEAdmitted (licensed)$2.4M0.19%
63EMPLOYERS MUTUAL CASUALTY COMPANY Employers Mutual Casualty Company)21415IAAdmitted (licensed)$2.3M0.18%
64Westfield National Insurance Company24120OHAdmitted (licensed)$2.0M0.16%
65Merchants National Bonding, Inc.11595IAAdmitted (licensed)$2.0M0.16%
66Argonaut Insurance Company19801NEAdmitted (licensed)$1.9M0.15%
67American Surety Company31380INAdmitted (licensed)$1.8M0.15%
68Continental Casualty Company20443ILAdmitted (licensed)$1.8M0.14%
69Safeco Insurance Company of America24740NHAdmitted (licensed)$1.6M0.13%
70Vigilant Insurance Company20397NYAdmitted (licensed)$1.6M0.13%
71Hudson Insurance Company25054DEAdmitted (licensed)$1.5M0.12%
72Ace American Insurance Company22667PAAdmitted (licensed)$1.5M0.12%
73International Fidelity Insurance Company11592NJAdmitted (licensed)$1.3M0.10%
74Swiss Re Corporate Solutuions Premier Insurance Corporation32778MOAdmitted (licensed)$1.3M0.10%
75Western National Mutual Insurance Company15377MNAdmitted (licensed)$1.3M0.10%
76Business Alliance Insurance Company10830CAAdmitted (licensed)$1.3M0.10%
77State National Insurance Company, Inc.12831TXAdmitted (licensed)$1.3M0.10%
78Fireman's Fund Insurance Company21873ILAdmitted (licensed)$1.1M0.09%
79Westport Insurance Corporation39845MOAdmitted (licensed)$939,3980.07%
80American Home Assurance Company19380NYAdmitted (licensed)$914,1770.07%
81Guarantee Company of North America USA (The)36650ARAdmitted (licensed)$913,3840.07%
82State Farm Fire and Casualty Company25143ILAdmitted (licensed)$882,1170.07%
83Pennsylvania Insurance Company21962NMAdmitted (licensed)$804,7470.06%
84Amerisure Mutual Insurance Company23396MIAdmitted (licensed)$797,3620.06%
85Old Republic Insurance Company24147PAAdmitted (licensed)$767,7290.06%
86Cincinnati Insurance Company (The)10677OHAdmitted (licensed)$746,5380.06%
87Continental Heritage Insurance Company39551FLAdmitted (licensed)$717,6680.06%
88Accelerant National Insurance Company10220ARAdmitted (licensed)$676,6610.05%
89Safety First Insurance Company11123MOAdmitted (licensed)$623,4300.05%
90Hartford Casualty Insurance Company29424INAdmitted (licensed)$607,0120.05%
91Ohio Indemnity Company26565OHAdmitted (licensed)$505,2280.04%
92Colonial Surety Company10758PAAdmitted (licensed)$432,6070.03%
93Sun Surety Insurance Company10909SDAdmitted (licensed)$362,6280.03%
94Financial Pacific Insurance Company31453CAAdmitted (licensed)$351,8340.03%
95Gray Insurance Company (The)36307LAAdmitted (licensed)$335,6590.03%
96St. Paul Fire and Marine Insurance Company24767CTAdmitted (licensed)$248,6870.02%
97Bond Safeguard Insurance Company27081SDAdmitted (licensed)$225,1960.02%
98Palomar Specialty Insurance Company20338ORAdmitted (licensed)$204,6640.02%
99UNIVERSAL FIRE \u0026 CASUALTY INSURANCE COMPANY32867INAdmitted (licensed)$149,2680.01%
100NATIONAL LIABILITY \u0026 FIRE INSURANCE COMPANY20052CTAdmitted (licensed)$142,3600.01%
101Federated Mutual Insurance Company13935MNAdmitted (licensed)$139,0940.01%
102Midvale Indemnity Company27138WIAdmitted (licensed)$127,3190.01%
103West Bend Insurance Company15350WIAdmitted (licensed)$94,8500.01%
104Hartford Accident and Indemnity Company22357CTAdmitted (licensed)$89,6150.01%
105Great American Alliance Insurance Company26832OHAdmitted (licensed)$87,5400.01%
106Sentry Select Insurance Company21180WIAdmitted (licensed)$83,2180.01%
107National Union Fire Insurance Company of Pittsburgh, Pennsylvania19445PAAdmitted (licensed)$81,6470.01%
108Allied World Assurance Company (U.S.) Inc.22730NHAdmitted (licensed)$58,9980.00%
109RepWest Insurance Company31089AZAdmitted (licensed)$57,2570.00%
110Protective Insurance Company12416INAdmitted (licensed)$54,0500.00%
111Insurance Company of the West27847CAAdmitted (licensed)$46,9530.00%
112American States Insurance Company19704INAdmitted (licensed)$41,8240.00%
113Acstar Insurance Company22950ILAdmitted (licensed)$41,5750.00%
114Massachusetts Bay Insurance Company22306NHAdmitted (licensed)$29,9760.00%
115National Fire Insurance Company of Hartford20478ILAdmitted (licensed)$29,3210.00%
116Petroleum Casualty Company12297TXAdmitted (licensed)$28,4380.00%
117PROTECTIVE PROPERTY \u0026 CASUALTY INSURANCE COMPANY35769MOAdmitted (licensed)$24,5500.00%
118Great American Insurance Company of New York22136NYAdmitted (licensed)$24,0080.00%
119Colonial American Casualty and Surety Company34347ILAdmitted (licensed)$21,3130.00%
120Safety National Casualty Corporation15105MOAdmitted (licensed)$16,3060.00%
121Seneca Insurance Company Incorporated10936NYAdmitted (licensed)$14,1070.00%
122American Casualty Company of Reading, Pennsylvania20427PAAdmitted (licensed)$13,0580.00%
123Aspen American Insurance Company43460TXAdmitted (licensed)$13,0180.00%
124American Bankers Insurance Company of Florida10111FLAdmitted (licensed)$7,9990.00%
125Aegis Security Insurance Company33898CAAdmitted (licensed)$6,5480.00%
126First National Insurance Company of America24724NHAdmitted (licensed)$6,1070.00%
127Carolina Casualty Insurance Company10510IAAdmitted (licensed)$5,4190.00%
128Insurance Company of North America22713PAAdmitted (licensed)$5,3440.00%
129Star Insurance Company18023MIAdmitted (licensed)$5,1950.00%
130Surety Bonding Company of America24047SDAdmitted (licensed)$5,0640.00%
131Old United Casualty Company37060KSAdmitted (licensed)$4,3730.00%
132Fidelity and Guaranty Insurance Company35386IAAdmitted (licensed)$4,3350.00%
133Standard Fire Insurance Company (The)19070CTAdmitted (licensed)$3,7620.00%
134United States Fidelity and Guaranty Company25887CTAdmitted (licensed)$2,9850.00%
135CorePointe Insurance Company10499DEAdmitted (licensed)$2,5460.00%
136Incline National Insurance Company19269CAAdmitted (licensed)$1,5250.00%
137Hartford Insurance Company of the Midwest37478INAdmitted (licensed)$1,3300.00%
138Utica Mutual Insurance Company25976NYAdmitted (licensed)$1,2000.00%
139Technology Insurance Company, Inc.42376DEAdmitted (licensed)$1,1760.00%
140Bar Plan Mutual Insurance Company (The)29513MOAdmitted (licensed)$1,1600.00%
141Indemnity Insurance Company of North America43575PAAdmitted (licensed)$9210.00%
142Pacific Employers Insurance Company22748PAAdmitted (licensed)$8370.00%
143Sentry Insurance Company24988WIAdmitted (licensed)$8000.00%
144Employers Insurance Company of Wausau21458WIAdmitted (licensed)$6890.00%
145National American Insurance Company23663OKAdmitted (licensed)$5000.00%
146State Farm General Insurance Company25151ILAdmitted (licensed)$1500.00%
147Farmington Casualty Company41483CTAdmitted (licensed)$1250.00%
148Motors Insurance Corporation22012MIAdmitted (licensed)$750.00%
Turned down?

Last resort for surety bonds in California

Last resortLinesWhereHow to get in
Surplus lines and Lloyd's open marketallall states, under each state's diligent-search rulesThrough surplus lines wholesalers; commercial property and liability have no guaranteed plan, so this is their last stepSource

Method and source

Source: the California Department of Insurance company list, read 2026-10-17 and the surplus lines list. California's company search lists every company on file (all lines, including some no longer active); P&C status comes from the merge. "Premium" is direct premium written in the state for the year shown; "share" is that company's part of the state total for the line. A company can be licensed for a line and write none of it, and a surplus lines insurer can write a line without a state license for it.

Open to use. Cite "Alishahi Insurance insurance company directory" and link here. CSV · JSON.

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