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Directory · North Carolina · Fidelity bonds

Who writes fidelity bonds in North Carolina

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

145 companies wrote fidelity bonds in North Carolina in 2025, $42.1M in direct premium. Travelers Casualty and Surety Company of America led with 13.0%; the top five hold 44%. 152 companies are licensed for the line.

By Sam Alishahi, independent insurance broker · All lines in North Carolina

Top 10 · NAIC table: 23 - Fidelity

The insurer groups that write the most fidelity bonds in North Carolina

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
1Travelers Group$5.6M13.20%51%Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
2Axa Insurance Group$4.2M10.01%—XL Specialty Insurance Company, XL Insurance America, Inc., Greenwich Insurance Company, |Indian Harbor Insurance Company
3American International Group$4.0M9.51%40%National Union Fire Insurance Company of Pittsburgh, Pennsylvania, AIG Property Casualty Company, Lexington Insurance Company, AIU Insurance Company
4Tokio Marine Holdings Inc Group$3.6M8.59%5%Philadelphia Indemnity Insurance Company, Privilege Underwriters Reciprocal Exchange, PURE Risk Mgt, Atty-in-Fact, Safety National Casualty Corporation, Producers Agriculture Insurance Company
5Chubb Ltd Group$2.4M5.82%17%Federal Insurance Company, Ace American Insurance Company, Ace Property and Casualty Insurance Company, Chubb Lloyd's Insurance Company of Texas
6American Financial Group$2.2M5.23%22%Great American Insurance Company, Great American Assurance Company, National Interstate Insurance Company, Great American Alliance Insurance Company
7Beazley Group$2.1M4.93%10%Beazley Insurance Company, Inc., Beazley Excess and Surplus Insurance, Inc. (C), Beazley America Insurance Company, Inc.
8Zurich Insurance Group$1.9M4.52%23%Zurich American Insurance Company, Rural Community Insurance Company, American Zurich Insurance Company, American Guarantee and Liability Insurance Company
9Cna Insurance Group$1.8M4.22%—Continental Casualty Company, Continental Insurance Company, (The), American Casualty Company of Reading, Pennsylvania, National Fire Insurance Company of Hartford
10Hartford Fire & Casualty Group$1.7M4.02%4%Hartford Fire Insurance Company, Hartford Underwriters Insurance Company, Hartford Casualty Insurance Company, Twin City Fire Insurance Company (The)
Fidelity bonds · North Carolina

The companies

#CompanyNAICHome stateStatus herePremiumShare
1Travelers Casualty and Surety Company of America31194CTAdmitted (licensed)$5.5M12.98%
2XL Specialty Insurance Company37885DEAdmitted (licensed)$4.2M10.01%
3U.S. Specialty Insurance Company29599TXAdmitted (licensed)$3.4M7.99%
4National Union Fire Insurance Company of Pittsburgh, Pennsylvania19445PAAdmitted (licensed)$3.2M7.67%
5Federal Insurance Company20281INAdmitted (licensed)$2.1M4.94%
6Great American Insurance Company16691OHAdmitted (licensed)$2.1M4.93%
7Beazley Insurance Company, Inc.37540CTAdmitted (licensed)$2.0M4.84%
8Cumis Insurance Society Incorporated10847IAAdmitted (licensed)$1.4M3.34%
9AXIS Insurance Company37273ILAdmitted (licensed)$1.4M3.25%
10Hartford Fire Insurance Company19682CTAdmitted (licensed)$1.1M2.68%
11Zurich American Insurance Company16535NYAdmitted (licensed)$1.1M2.62%
12Berkshire Hathaway Specialty Insurance Company22276NEAdmitted (licensed)$948,9602.26%
13Hanover Insurance Company (The)22292NHAdmitted (licensed)$924,1932.20%
14Continental Casualty Company20443ILAdmitted (licensed)$911,8712.17%
15Liberty Mutual Insurance Company23043MAAdmitted (licensed)$828,2101.97%
16Western Surety Company13188SDAdmitted (licensed)$791,4111.88%
17AIG Specialty Insurance Company26883ILSurplus lines (eligible)$726,3051.73%
18National Casualty Company11991OHAdmitted (licensed)$647,1691.54%
19Fidelity and Deposit Company of Maryland (The)39306ILAdmitted (licensed)$621,2981.48%
20Colonial Surety Company10758PAAdmitted (licensed)$591,2401.41%
21Twin City Fire Insurance Company (The)29459INAdmitted (licensed)$563,0611.34%
22Berkley Assurance Company32603DEAdmitted (licensed)$452,3671.08%
23Selective Insurance Company of America12572NJAdmitted (licensed)$421,1041.00%
24RLI Insurance Company13056ILAdmitted (licensed)$338,6210.80%
25Ace American Insurance Company22667PAAdmitted (licensed)$324,7100.77%
26Arch Insurance (UK) Limited11150MOAdmitted (licensed)$323,2110.77%
27QBE Insurance (Europe) Limited39217PAAdmitted (licensed)$298,9170.71%
28Berkley Regional Insurance Company29580IAAdmitted (licensed)$295,1650.70%
29Federated Mutual Insurance Company13935MNAdmitted (licensed)$282,2770.67%
30Southwest Marine and General Insurance Company12294AZAdmitted (licensed)$253,5660.60%
31STARR INDEMNITY \u0026 LIABILITY COMPANY38318TXAdmitted (licensed)$233,7900.56%
32Selective Insurance Company of the Southeast39926INAdmitted (licensed)$223,3180.53%
33Philadelphia Indemnity Insurance Company18058PAAdmitted (licensed)$214,4210.51%
34Ohio Casualty Insurance Company (The)24074NHAdmitted (licensed)$207,0900.49%
35Selective Insurance Company of South Carolina19259INAdmitted (licensed)$196,0280.47%
36Owners Insurance Company32700OHAdmitted (licensed)$171,6840.41%
37Developers Surety and Indemnity Company12718CAAdmitted (licensed)$153,4510.36%
38Allianz Global Risks US Insurance Company35300ILAdmitted (licensed)$153,4180.36%
39Auto-Owners Insurance Company18988MIAdmitted (licensed)$151,7750.36%
40United States Fire Insurance Company21113DEAdmitted (licensed)$142,1340.34%
41NATIONAL FIRE \u0026 MARINE INSURANCE COMPANY\20079NESurplus lines (eligible)$125,8000.30%
42West Bend Insurance Company15350WIAdmitted (licensed)$101,4280.24%
43Great American Alliance Insurance Company26832OHAdmitted (licensed)$92,9650.22%
44EMPLOYERS MUTUAL CASUALTY COMPANY Employers Mutual Casualty Company)21415IAAdmitted (licensed)$92,4400.22%
45Old Republic Surety Company40444WIAdmitted (licensed)$92,0150.22%
46Security National Insurance Company19879DEAdmitted (licensed)$87,3620.21%
47St. Paul Fire and Marine Insurance Company24767CTAdmitted (licensed)$82,1320.20%
48State Farm Fire and Casualty Company25143ILAdmitted (licensed)$71,6110.17%
49Continental Insurance Company, (The)35289PAAdmitted (licensed)$69,5880.17%
50Colonial American Casualty and Surety Company34347ILAdmitted (licensed)$67,8300.16%
51Nationwide Mutual Insurance Company23787OHAdmitted (licensed)$66,0810.16%
52Cincinnati Insurance Company (The)10677OHAdmitted (licensed)$65,4530.16%
53American Guarantee and Liability Insurance Company26247NYAdmitted (licensed)$65,0890.15%
54Merchants Bonding Company (Mutual)14494IAAdmitted (licensed)$59,6980.14%
55CorePointe Insurance Company10499DEAdmitted (licensed)$55,2500.13%
56Ironshore Indemnity, Inc.23647ILAdmitted (licensed)$48,4140.12%
57Lexington Insurance Company19437DESurplus lines (eligible)$47,5690.11%
58Allied World Specialty Insurance Company16624DEAdmitted (licensed)$42,9630.10%
59Aspen Specialty Insurance Company10717NDSurplus lines (eligible)$42,5020.10%
60Markel Insurance Company38970ILAdmitted (licensed)$42,3000.10%
61American Zurich Insurance Company40142ILAdmitted (licensed)$41,3290.10%
62Pennsylvania National Mutual Casualty Insurance Company14990PAAdmitted (licensed)$40,0820.10%
63Federated Rural Electric Insurance Exchange11118KSAdmitted (licensed)$38,9130.09%
64Beazley Excess and Surplus Insurance, Inc. (C)17520CTSurplus lines (eligible)$37,4440.09%
65Massachusetts Bay Insurance Company22306NHAdmitted (licensed)$37,0000.09%
66|Houston Casualty Company42374TXSurplus lines (eligible)$36,9870.09%
67Federated Reserve Insurance Company16024MNAdmitted (licensed)$35,7360.08%
68Amherst National Insurance Company16379NCAdmitted (licensed)$35,4670.08%
69Westfield Insurance Company24112OHAdmitted (licensed)$33,2690.08%
70AXIS Surplus Insurance Company26620ILSurplus lines (eligible)$31,1750.07%
71GREAT AMERICAN E\u0026 S INSURANCE COMPANY\37532OHSurplus lines (eligible)$27,0950.06%
72Hiscox Insurance Company (Bermuda), Ltd.10200ILAdmitted (licensed)$26,8990.06%
73Sentry Select Insurance Company21180WIAdmitted (licensed)$25,2570.06%
74Fireman's Fund Insurance Company21873ILAdmitted (licensed)$21,7460.05%
75Middlesex Insurance Company23434WIAdmitted (licensed)$18,5360.04%
76State National Insurance Company, Inc.12831TXAdmitted (licensed)$18,4290.04%
77Pennsylvania Lumbermen's Mutual Insurance Company14974PAAdmitted (licensed)$18,4250.04%
78Employers Insurance Company of Wausau21458WIAdmitted (licensed)$18,3470.04%
79Allied World Surplus Lines Insurance Company24319ARSurplus lines (eligible)$17,8010.04%
80STATE AUTO PROPERTY \u0026 CASUALTY INSURANCE COMPANY25127IAAdmitted (licensed)$17,2700.04%
81Nova Casualty Company42552NYAdmitted (licensed)$16,4760.04%
82Westchester Fire Insurance Company10030PAAdmitted (licensed)$16,3830.04%
83Erie Insurance Company26263PAAdmitted (licensed)$15,7030.04%
84Federated Service Insurance Company28304MNAdmitted (licensed)$14,0860.03%
85Markel American Insurance Company28932VAAdmitted (licensed)$10,8440.03%
86Allmerica Financial Benefit Insurance Company41840MIAdmitted (licensed)$10,5430.03%
87Manufacturers Alliance Insurance Company36897PAAdmitted (licensed)$10,3410.02%
88Bankers Standard Insurance Company18279PAAdmitted (licensed)$9,8670.02%
89Amherst Specialty Insurance Company17565TXSurplus lines (eligible)$9,0450.02%
90American Select Insurance Company19992OHAdmitted (licensed)$7,4400.02%
91Homesite Insurance Company of Florida11156ILSurplus lines (eligible)$7,3480.02%
92Sentry Insurance Company24988WIAdmitted (licensed)$7,1840.02%
93Midvale Indemnity Company27138WIAdmitted (licensed)$6,8380.02%
94Platte River Insurance Company18619NEAdmitted (licensed)$5,9460.01%
95Chubb Indemnity Insurance Company12777NYAdmitted (licensed)$5,8420.01%
96Fortegra Specialty Insurance Company16823AZSurplus lines (eligible)$4,5900.01%
97Harco National Insurance Company26433ILAdmitted (licensed)$4,4410.01%
98Travelers Property Casualty Company of America25674CTAdmitted (licensed)$3,9930.01%
99Westfield National Insurance Company24120OHAdmitted (licensed)$3,9690.01%
100NGM Insurance Company14788FLAdmitted (licensed)$3,6150.01%
101Pacific Indemnity Company20346DEAdmitted (licensed)$3,4810.01%
102Great American Assurance Company26344OHAdmitted (licensed)$3,3810.01%
103State Automobile Mutual Insurance Company25135OHAdmitted (licensed)$3,2170.01%
104Old Guard Insurance Company17558OHAdmitted (licensed)$3,2060.01%
105New York Marine and General Insurance Company16608NYAdmitted (licensed)$3,1270.01%
106Fidelity and Guaranty Insurance Company35386IAAdmitted (licensed)$2,8910.01%
107Westfield Premier Insurance Company16450OHAdmitted (licensed)$2,8120.01%
108Great Northern Insurance Company20303INAdmitted (licensed)$2,5930.01%
109Gemini Insurance Company10833DESurplus lines (eligible)$2,5460.01%
110Westchester Surplus Lines Insurance Company10172GASurplus lines (eligible)$2,5390.01%
111Illinois Union Insurance Company27960ILSurplus lines (eligible)$2,5140.01%
112Merchants National Bonding, Inc.11595IAAdmitted (licensed)$2,5140.01%
113Frankenmuth Insurance Company13986MIAdmitted (licensed)$2,3850.01%
114Zurich American Insurance Company of Illinois27855ILAdmitted (licensed)$2,2990.01%
115Peerless Insurance Company24198NHAdmitted (licensed)$2,0090.00%
116Westfield Superior Insurance Company16449OHAdmitted (licensed)$1,7590.00%
117Nationwide Agribusiness Insurance Company28223IAAdmitted (licensed)$1,6670.00%
118Steadfast Insurance Company26387ILSurplus lines (eligible)$1,6280.00%
119Ohio Farmers Insurance Company24104OHAdmitted (licensed)$1,5770.00%
120Great American Insurance Company of New York22136NYAdmitted (licensed)$1,3940.00%
121Vigilant Insurance Company20397NYAdmitted (licensed)$1,1980.00%
122Ace Fire Underwriters Insurance Company20702PAAdmitted (licensed)$1,0970.00%
123Transportation Insurance Company20494ILAdmitted (licensed)$1,0630.00%
124Amerisure Mutual Insurance Company23396MIAdmitted (licensed)$9930.00%
125American Casualty Company of Reading, Pennsylvania20427PAAdmitted (licensed)$9540.00%
126Westfield Champion Insurance Company16447OHAdmitted (licensed)$9480.00%
127St. Paul Mercury Insurance Company24791CTAdmitted (licensed)$8290.00%
128Contractors Bonding and Insurance Company37206ILAdmitted (licensed)$4890.00%
129Amerisure Insurance Company19488MIAdmitted (licensed)$4800.00%
130Central Insurance Company20230OHAdmitted (licensed)$4660.00%
131Chubb Custom Insurance Company38989NJSurplus lines (eligible)$4380.00%
132Chubb National Insurance Company10052INAdmitted (licensed)$3850.00%
133Netherlands Insurance Company (The)24171NHAdmitted (licensed)$3510.00%
134SureTec Insurance Company10916TXAdmitted (licensed)$2690.00%
135Standard Fire Insurance Company (The)19070CTAdmitted (licensed)$2460.00%
136Old Republic Insurance Company24147PAAdmitted (licensed)$2230.00%
137National Fire Insurance Company of Hartford20478ILAdmitted (licensed)$2170.00%
138American States Insurance Company19704INAdmitted (licensed)$2100.00%
139American Surety Company31380INAdmitted (licensed)$2010.00%
140Charter Oak Fire Insurance Company, (The)25615CTAdmitted (licensed)$1720.00%
141St. Paul Guardian Insurance Company24775CTAdmitted (licensed)$1550.00%
142Westfield Touchstone Insurance Company16448OHAdmitted (licensed)$1550.00%
143Arch Specialty Insurance Company21199MOSurplus lines (eligible)$1540.00%
144Travelers Indemnity Company of Connecticut (The)25682CTAdmitted (licensed)$960.00%
145Farmington Casualty Company41483CTAdmitted (licensed)$70.00%
Turned down?

Last resort for fidelity bonds in North Carolina

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 North Carolina insurance regulator company list, read 2026-10-18 and the surplus lines list. NCDOI P7 Property and Casualty Experience, year ended 12/31/2025: every company that filed an NC state page (P&C annual statement). 'admitted' = rows whose 'Licensed in NC' column reads 'Licensed' (includes zero-premium licensed companies and NC self-insured workers' comp funds, which have no NAIC code and type 'Self-Insured Workers' Compensation'). 'surplus_lines' = rows reading 'Authorized Surplus Lines Writer' (US nonadmitted insurers that wrote NC surplus lines business that year; alien/Lloyd's not broken out, eligible date not given). Rows 'Not Licensed' or blank (mostly risk retention groups) are dropped. 'type' = Business Type / Company Type [/ Company Sub Type]; all rows are Property and Casualty filers (no life/health in this file). 'lines' = NAIC annual-statement lines of business the company reported in NC with direct premium written or earned > 0 that year (lines actually written, not certificate-of-authority lines). 'since' not given. Status counts in file: {'Licensed': 825, '': 73, 'Authorized Surplus Lines Writer': 193, 'Not Licensed': 39}. "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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