Directory · New Jersey · Fidelity bonds

Who writes fidelity bonds in New Jersey

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 New Jersey in 2025, $6.7M and 15.0% of the state's premium; the top five groups hold 53%. New Jersey'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 New Jersey page.

By Sam Alishahi, independent insurance broker · All lines in New Jersey

Top 10 · NAIC table: 23 - Fidelity

The insurer groups that write the most fidelity bonds in New Jersey

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	$6.7M	14.98%	19%	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	$5.4M	12.10%	168%	Great American Insurance Company, Great American Assurance Company, National Interstate Insurance Company, Great American Alliance Insurance Company
3	Chubb Ltd Group	$4.7M	10.60%	—	Federal Insurance Company, Ace American Insurance Company, Ace Property and Casualty Insurance Company, Chubb Lloyd's Insurance Company of Texas
4	Hartford Fire & Casualty Group	$3.6M	8.03%	45%	Hartford Fire Insurance Company, Hartford Underwriters Insurance Company, Hartford Casualty Insurance Company, Twin City Fire Insurance Company (The)
5	American International Group	$3.4M	7.60%	58%	National Union Fire Insurance Company of Pittsburgh, Pennsylvania, AIG Property Casualty Company, Lexington Insurance Company, AIU Insurance Company
6	Cna Insurance Group	$2.9M	6.50%	—	Continental Casualty Company, Continental Insurance Company, (The), American Casualty Company of Reading, Pennsylvania, National Fire Insurance Company of Hartford
7	Zurich Insurance Group	$2.1M	4.69%	111%	Zurich American Insurance Company, Rural Community Insurance Company, American Zurich Insurance Company, American Guarantee and Liability Insurance Company
8	Selective Insurance Group	$2.0M	4.43%	18%	Selective Insurance Company of America, Selective Insurance Company of the Southeast, Selective Insurance Company of South Carolina, Mesa Underwriters Specialty Insurance Company
9	Beazley Group	$1.7M	3.80%	23%	Beazley Insurance Company, Inc., Beazley Excess and Surplus Insurance, Inc. (C), Beazley America Insurance Company, Inc.
10	Wr Berkley Corporation Group	$1.5M	3.39%	9%	Berkley Assurance Company, Berkley National Insurance Company, Carolina Casualty Insurance Company, StarNet Insurance Company

Turned down?

Last resort for fidelity bonds in New Jersey

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 New Jersey insurance regulator company list, read 2026-10-18 and the surplus lines list. Admitted list 'Licensed Insurance Carriers' (Last-Modified: Sat, 17 Oct 2026 15:16:06 GMT) covers every licensed carrier of every kind (P&C, life, health, title, fraternal, HMO...). It gives name, address, phone, NAIC number only: no company type, no lines, no domicile, no license date, so everything is kept and type/lines/domicile/since are empty; filter P&C by NAIC code against another source. Extra fields addr_state/address/phone are the mailing address on the list, not the state of domicile. 25 rows show 'NAIC No. 0' on the list (managed-care / medical-review vendors and purchasing alliances, not insurers) and are kept with naic=''. 6 exact repeats (same NAIC + name, second address) were collapsed to one row. White list prints the same NAIC code for more than one company (kept as printed, verify before matching): 13064 = Tudor Insurance Co. / United National Insurance Co.. Surplus Lines White List dated 2026-09-16: 219 foreign/domestic eligible insurers with 5-digit NAIC codes (domicile NJ set only for the domestic section; foreign rows have no domicile on the list) and 95 alien insurers carried with naic='' and their NAIC IID/AIN number in the extra 'ain' field. 'eligible' is filled only where a footnote gives an approval effective date (this release's additions); other rows have no date on the list. Footnote markers like (A-3)/(NC-3) are stripped from names. "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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