Directory · Montana · Surety bonds

Who writes surety bonds in Montana

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

Travelers Group wrote the most surety bonds in Montana in 2025, $10.8M and 21.2% of the state's premium; the top five groups hold 52%. Montana'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 Montana page.

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

Top 10 · NAIC table: 24 - Surety

The insurer groups that write the most surety bonds in Montana

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	$10.8M	21.17%	10%	Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
2	Liberty Mutual Group	$4.7M	9.24%	11%	Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
3	Zurich Insurance Group	$4.3M	8.48%	598%	Zurich American Insurance Company, Rural Community Insurance Company, American Zurich Insurance Company, American Guarantee and Liability Insurance Company
4	Cna Insurance Group	$4.1M	8.09%	17%	Continental Casualty Company, Continental Insurance Company, (The), American Casualty Company of Reading, Pennsylvania, National Fire Insurance Company of Hartford
5	Siriuspoint Group	$2.4M	4.62%	10%	SiriusPoint America Insurance Company, SiriusPoint Specialty Insurance Corporation
6	Axis Capital Group	$2.2M	4.24%	34%	AXIS Insurance Company, AXIS Surplus Insurance Company, AXIS Reinsurance Company, AXIS Specialty Insurance Company
7	Intact Financial Group	$1.8M	3.56%	4%	Atlantic Specialty Insurance Company, Homeland Insurance Company of New York, OBI National Insurance Company, Homeland Insurance Company of Delaware
8	Merchants Bonding Co. Group	$1.5M	2.98%	8%	Merchants Bonding Company (Mutual), Merchants National Bonding, Inc.
9	Swiss Re Group	$1.5M	2.90%	—	Swiss Re Corporate Solutions Elite Insurance Corporation, Swiss Re Corporate Solutions America Insurance Corporation, Swiss Re Corporate Solutions Capacity Insurance Corporation, Swiss Re Corporate Solutuions Premier Insurance Corporation
10	Arch Insurance Group	$1.4M	2.80%	—	Arch Insurance (UK) Limited, Arch Mortgage Insurance Company, Arch Indemnity Insurance Company, Arch Specialty Insurance Company

Turned down?

Last resort for surety bonds in Montana

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 Montana insurance regulator company list, read 2026-10-18 and the surplus lines list. Admitted: no static list of admitted/licensed companies is published on csimt.gov (company lookup is one-at-a-time; 2025 annual report has no company appendix) - admitted left empty. Surplus lines: 'Eligible Surplus Lines Companies' XLSX (sheet '10-14-2026') with COMPANY_NAME | NAIC_COCODE | DOMICILE_STATE; no eligibility date given; every row is US-domiciled (no Lloyd's or other alien insurers on this list - alien insurers are not covered by it); alien = domicile not a US state/territory code (raw kept in domicile_raw). csimt.gov Crawl-delay 10 honored. "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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