Directory · Minnesota · Fidelity bonds

Who writes fidelity bonds in Minnesota

Top insurer groups from the NAIC market share report; the state's list carries no lines of authority.

Travelers Group wrote the most fidelity bonds in Minnesota in 2025, $4.4M and 15.5% of the state's premium; the top five groups hold 48%. Minnesota's company list doesn't say which lines each company is licensed for, so the ranking below is the NAIC's top 10 groups; every licensed company is on the Minnesota page.

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

Top 10 · NAIC table: 23 - Fidelity

The insurer groups that write the most fidelity bonds in Minnesota

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 group	Premium written	Share	Loss ratio	Member companies here
1	Travelers Group	$4.4M	15.50%	54%	Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
2	American Financial Group	$3.1M	10.80%	—	Great American Insurance Company, Great American Assurance Company, National Interstate Insurance Company, Great American Alliance Insurance Company
3	Chubb Ltd Group	$2.5M	8.82%	—	Federal Insurance Company, Ace American Insurance Company, Ace Property and Casualty Insurance Company, Chubb Lloyd's Insurance Company of Texas
4	Cna Insurance Group	$1.9M	6.86%	16%	Continental Casualty Company, Continental Insurance Company, (The), American Casualty Company of Reading, Pennsylvania, National Fire Insurance Company of Hartford
5	Beazley Group	$1.8M	6.44%	15%	Beazley Insurance Company, Inc., Beazley Excess and Surplus Insurance, Inc. (C), Beazley America Insurance Company, Inc.
6	American International Group	$1.5M	5.37%	18%	National Union Fire Insurance Company of Pittsburgh, Pennsylvania, AIG Property Casualty Company, Lexington Insurance Company, AIU Insurance Company
7	Trustage Group	$1.4M	5.13%	205%	Cumis Insurance Society Incorporated, CUMIS Specialty Insurance Company, Inc.
8	Hartford Fire & Casualty Group	$1.1M	3.98%	—	Hartford Fire Insurance Company, Hartford Underwriters Insurance Company, Hartford Casualty Insurance Company, Twin City Fire Insurance Company (The)
9	Axis Capital Group	$1.0M	3.55%	—	AXIS Insurance Company, AXIS Surplus Insurance Company, AXIS Reinsurance Company, AXIS Specialty Insurance Company
10	Zurich Insurance Group	$919,000	3.25%	—	Zurich American Insurance Company, Rural Community Insurance Company, American Zurich Insurance Company, American Guarantee and Liability Insurance Company

Turned down?

Last resort for fidelity bonds in Minnesota

Last resort	Lines	Where	How to get in
Surplus lines and Lloyd's open market	all	all states, under each state's diligent-search rules	Through surplus lines wholesalers; commercial property and liability have no guaranteed plan, so this is their last step	Source

Method and source

Source: the Minnesota insurance regulator company list, read 2026-10-18 and the surplus lines list. Minnesota Dept. of Commerce 'Insurance Supplement' financial summaries. admitted = every licensed Property and Casualty insurer (Domestic + Foreign and Alien), data year 2023, 921 rows (PDF total 921); P&C only (life/health insurers are a separate PDF, not included), so type is 'Property and Casualty' for all rows. No NAIC codes, no lines of authority and no license dates in the source: match by name + domicile. Rows with a status instead of financials (e.g. Liquidation) keep it in 'status'. surplus_lines = 'Eligible Property and Casualty Insurers, Surplus Lines--Foreign' (154) and '--Aliens' (21), data year 2021 (no 2023 edition published); these are the surplus lines insurers that reported Minnesota business, not an official eligibility roster (Commerce keeps none; Minn. Stat. 60A.206). Alien domicile codes are the PDF's own 2-letter country codes (UK, GE, IR, BU, BB, IT ...). The same PDF's accredited reinsurers (13) and registered risk retention groups (90) are excluded from surplus_lines. Source footer: unaudited, may contain inadvertent errors. "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.

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