
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
The companies
| # | Company | NAIC | Home state | Status here | Premium | Share |
|---|---|---|---|---|---|---|
| 1 | Travelers Casualty and Surety Company of America | 31194 | CT | Admitted (licensed) | $5.5M | 12.98% |
| 2 | XL Specialty Insurance Company | 37885 | DE | Admitted (licensed) | $4.2M | 10.01% |
| 3 | U.S. Specialty Insurance Company | 29599 | TX | Admitted (licensed) | $3.4M | 7.99% |
| 4 | National Union Fire Insurance Company of Pittsburgh, Pennsylvania | 19445 | PA | Admitted (licensed) | $3.2M | 7.67% |
| 5 | Federal Insurance Company | 20281 | IN | Admitted (licensed) | $2.1M | 4.94% |
| 6 | Great American Insurance Company | 16691 | OH | Admitted (licensed) | $2.1M | 4.93% |
| 7 | Beazley Insurance Company, Inc. | 37540 | CT | Admitted (licensed) | $2.0M | 4.84% |
| 8 | Cumis Insurance Society Incorporated | 10847 | IA | Admitted (licensed) | $1.4M | 3.34% |
| 9 | AXIS Insurance Company | 37273 | IL | Admitted (licensed) | $1.4M | 3.25% |
| 10 | Hartford Fire Insurance Company | 19682 | CT | Admitted (licensed) | $1.1M | 2.68% |
| 11 | Zurich American Insurance Company | 16535 | NY | Admitted (licensed) | $1.1M | 2.62% |
| 12 | Berkshire Hathaway Specialty Insurance Company | 22276 | NE | Admitted (licensed) | $948,960 | 2.26% |
| 13 | Hanover Insurance Company (The) | 22292 | NH | Admitted (licensed) | $924,193 | 2.20% |
| 14 | Continental Casualty Company | 20443 | IL | Admitted (licensed) | $911,871 | 2.17% |
| 15 | Liberty Mutual Insurance Company | 23043 | MA | Admitted (licensed) | $828,210 | 1.97% |
| 16 | Western Surety Company | 13188 | SD | Admitted (licensed) | $791,411 | 1.88% |
| 17 | AIG Specialty Insurance Company | 26883 | IL | Surplus lines (eligible) | $726,305 | 1.73% |
| 18 | National Casualty Company | 11991 | OH | Admitted (licensed) | $647,169 | 1.54% |
| 19 | Fidelity and Deposit Company of Maryland (The) | 39306 | IL | Admitted (licensed) | $621,298 | 1.48% |
| 20 | Colonial Surety Company | 10758 | PA | Admitted (licensed) | $591,240 | 1.41% |
| 21 | Twin City Fire Insurance Company (The) | 29459 | IN | Admitted (licensed) | $563,061 | 1.34% |
| 22 | Berkley Assurance Company | 32603 | DE | Admitted (licensed) | $452,367 | 1.08% |
| 23 | Selective Insurance Company of America | 12572 | NJ | Admitted (licensed) | $421,104 | 1.00% |
| 24 | RLI Insurance Company | 13056 | IL | Admitted (licensed) | $338,621 | 0.80% |
| 25 | Ace American Insurance Company | 22667 | PA | Admitted (licensed) | $324,710 | 0.77% |
| 26 | Arch Insurance (UK) Limited | 11150 | MO | Admitted (licensed) | $323,211 | 0.77% |
| 27 | QBE Insurance (Europe) Limited | 39217 | PA | Admitted (licensed) | $298,917 | 0.71% |
| 28 | Berkley Regional Insurance Company | 29580 | IA | Admitted (licensed) | $295,165 | 0.70% |
| 29 | Federated Mutual Insurance Company | 13935 | MN | Admitted (licensed) | $282,277 | 0.67% |
| 30 | Southwest Marine and General Insurance Company | 12294 | AZ | Admitted (licensed) | $253,566 | 0.60% |
| 31 | STARR INDEMNITY \u0026 LIABILITY COMPANY | 38318 | TX | Admitted (licensed) | $233,790 | 0.56% |
| 32 | Selective Insurance Company of the Southeast | 39926 | IN | Admitted (licensed) | $223,318 | 0.53% |
| 33 | Philadelphia Indemnity Insurance Company | 18058 | PA | Admitted (licensed) | $214,421 | 0.51% |
| 34 | Ohio Casualty Insurance Company (The) | 24074 | NH | Admitted (licensed) | $207,090 | 0.49% |
| 35 | Selective Insurance Company of South Carolina | 19259 | IN | Admitted (licensed) | $196,028 | 0.47% |
| 36 | Owners Insurance Company | 32700 | OH | Admitted (licensed) | $171,684 | 0.41% |
| 37 | Developers Surety and Indemnity Company | 12718 | CA | Admitted (licensed) | $153,451 | 0.36% |
| 38 | Allianz Global Risks US Insurance Company | 35300 | IL | Admitted (licensed) | $153,418 | 0.36% |
| 39 | Auto-Owners Insurance Company | 18988 | MI | Admitted (licensed) | $151,775 | 0.36% |
| 40 | United States Fire Insurance Company | 21113 | DE | Admitted (licensed) | $142,134 | 0.34% |
| 41 | NATIONAL FIRE \u0026 MARINE INSURANCE COMPANY\ | 20079 | NE | Surplus lines (eligible) | $125,800 | 0.30% |
| 42 | West Bend Insurance Company | 15350 | WI | Admitted (licensed) | $101,428 | 0.24% |
| 43 | Great American Alliance Insurance Company | 26832 | OH | Admitted (licensed) | $92,965 | 0.22% |
| 44 | EMPLOYERS MUTUAL CASUALTY COMPANY Employers Mutual Casualty Company) | 21415 | IA | Admitted (licensed) | $92,440 | 0.22% |
| 45 | Old Republic Surety Company | 40444 | WI | Admitted (licensed) | $92,015 | 0.22% |
| 46 | Security National Insurance Company | 19879 | DE | Admitted (licensed) | $87,362 | 0.21% |
| 47 | St. Paul Fire and Marine Insurance Company | 24767 | CT | Admitted (licensed) | $82,132 | 0.20% |
| 48 | State Farm Fire and Casualty Company | 25143 | IL | Admitted (licensed) | $71,611 | 0.17% |
| 49 | Continental Insurance Company, (The) | 35289 | PA | Admitted (licensed) | $69,588 | 0.17% |
| 50 | Colonial American Casualty and Surety Company | 34347 | IL | Admitted (licensed) | $67,830 | 0.16% |
| 51 | Nationwide Mutual Insurance Company | 23787 | OH | Admitted (licensed) | $66,081 | 0.16% |
| 52 | Cincinnati Insurance Company (The) | 10677 | OH | Admitted (licensed) | $65,453 | 0.16% |
| 53 | American Guarantee and Liability Insurance Company | 26247 | NY | Admitted (licensed) | $65,089 | 0.15% |
| 54 | Merchants Bonding Company (Mutual) | 14494 | IA | Admitted (licensed) | $59,698 | 0.14% |
| 55 | CorePointe Insurance Company | 10499 | DE | Admitted (licensed) | $55,250 | 0.13% |
| 56 | Ironshore Indemnity, Inc. | 23647 | IL | Admitted (licensed) | $48,414 | 0.12% |
| 57 | Lexington Insurance Company | 19437 | DE | Surplus lines (eligible) | $47,569 | 0.11% |
| 58 | Allied World Specialty Insurance Company | 16624 | DE | Admitted (licensed) | $42,963 | 0.10% |
| 59 | Aspen Specialty Insurance Company | 10717 | ND | Surplus lines (eligible) | $42,502 | 0.10% |
| 60 | Markel Insurance Company | 38970 | IL | Admitted (licensed) | $42,300 | 0.10% |
| 61 | American Zurich Insurance Company | 40142 | IL | Admitted (licensed) | $41,329 | 0.10% |
| 62 | Pennsylvania National Mutual Casualty Insurance Company | 14990 | PA | Admitted (licensed) | $40,082 | 0.10% |
| 63 | Federated Rural Electric Insurance Exchange | 11118 | KS | Admitted (licensed) | $38,913 | 0.09% |
| 64 | Beazley Excess and Surplus Insurance, Inc. (C) | 17520 | CT | Surplus lines (eligible) | $37,444 | 0.09% |
| 65 | Massachusetts Bay Insurance Company | 22306 | NH | Admitted (licensed) | $37,000 | 0.09% |
| 66 | |Houston Casualty Company | 42374 | TX | Surplus lines (eligible) | $36,987 | 0.09% |
| 67 | Federated Reserve Insurance Company | 16024 | MN | Admitted (licensed) | $35,736 | 0.08% |
| 68 | Amherst National Insurance Company | 16379 | NC | Admitted (licensed) | $35,467 | 0.08% |
| 69 | Westfield Insurance Company | 24112 | OH | Admitted (licensed) | $33,269 | 0.08% |
| 70 | AXIS Surplus Insurance Company | 26620 | IL | Surplus lines (eligible) | $31,175 | 0.07% |
| 71 | GREAT AMERICAN E\u0026 S INSURANCE COMPANY\ | 37532 | OH | Surplus lines (eligible) | $27,095 | 0.06% |
| 72 | Hiscox Insurance Company (Bermuda), Ltd. | 10200 | IL | Admitted (licensed) | $26,899 | 0.06% |
| 73 | Sentry Select Insurance Company | 21180 | WI | Admitted (licensed) | $25,257 | 0.06% |
| 74 | Fireman's Fund Insurance Company | 21873 | IL | Admitted (licensed) | $21,746 | 0.05% |
| 75 | Middlesex Insurance Company | 23434 | WI | Admitted (licensed) | $18,536 | 0.04% |
| 76 | State National Insurance Company, Inc. | 12831 | TX | Admitted (licensed) | $18,429 | 0.04% |
| 77 | Pennsylvania Lumbermen's Mutual Insurance Company | 14974 | PA | Admitted (licensed) | $18,425 | 0.04% |
| 78 | Employers Insurance Company of Wausau | 21458 | WI | Admitted (licensed) | $18,347 | 0.04% |
| 79 | Allied World Surplus Lines Insurance Company | 24319 | AR | Surplus lines (eligible) | $17,801 | 0.04% |
| 80 | STATE AUTO PROPERTY \u0026 CASUALTY INSURANCE COMPANY | 25127 | IA | Admitted (licensed) | $17,270 | 0.04% |
| 81 | Nova Casualty Company | 42552 | NY | Admitted (licensed) | $16,476 | 0.04% |
| 82 | Westchester Fire Insurance Company | 10030 | PA | Admitted (licensed) | $16,383 | 0.04% |
| 83 | Erie Insurance Company | 26263 | PA | Admitted (licensed) | $15,703 | 0.04% |
| 84 | Federated Service Insurance Company | 28304 | MN | Admitted (licensed) | $14,086 | 0.03% |
| 85 | Markel American Insurance Company | 28932 | VA | Admitted (licensed) | $10,844 | 0.03% |
| 86 | Allmerica Financial Benefit Insurance Company | 41840 | MI | Admitted (licensed) | $10,543 | 0.03% |
| 87 | Manufacturers Alliance Insurance Company | 36897 | PA | Admitted (licensed) | $10,341 | 0.02% |
| 88 | Bankers Standard Insurance Company | 18279 | PA | Admitted (licensed) | $9,867 | 0.02% |
| 89 | Amherst Specialty Insurance Company | 17565 | TX | Surplus lines (eligible) | $9,045 | 0.02% |
| 90 | American Select Insurance Company | 19992 | OH | Admitted (licensed) | $7,440 | 0.02% |
| 91 | Homesite Insurance Company of Florida | 11156 | IL | Surplus lines (eligible) | $7,348 | 0.02% |
| 92 | Sentry Insurance Company | 24988 | WI | Admitted (licensed) | $7,184 | 0.02% |
| 93 | Midvale Indemnity Company | 27138 | WI | Admitted (licensed) | $6,838 | 0.02% |
| 94 | Platte River Insurance Company | 18619 | NE | Admitted (licensed) | $5,946 | 0.01% |
| 95 | Chubb Indemnity Insurance Company | 12777 | NY | Admitted (licensed) | $5,842 | 0.01% |
| 96 | Fortegra Specialty Insurance Company | 16823 | AZ | Surplus lines (eligible) | $4,590 | 0.01% |
| 97 | Harco National Insurance Company | 26433 | IL | Admitted (licensed) | $4,441 | 0.01% |
| 98 | Travelers Property Casualty Company of America | 25674 | CT | Admitted (licensed) | $3,993 | 0.01% |
| 99 | Westfield National Insurance Company | 24120 | OH | Admitted (licensed) | $3,969 | 0.01% |
| 100 | NGM Insurance Company | 14788 | FL | Admitted (licensed) | $3,615 | 0.01% |
| 101 | Pacific Indemnity Company | 20346 | DE | Admitted (licensed) | $3,481 | 0.01% |
| 102 | Great American Assurance Company | 26344 | OH | Admitted (licensed) | $3,381 | 0.01% |
| 103 | State Automobile Mutual Insurance Company | 25135 | OH | Admitted (licensed) | $3,217 | 0.01% |
| 104 | Old Guard Insurance Company | 17558 | OH | Admitted (licensed) | $3,206 | 0.01% |
| 105 | New York Marine and General Insurance Company | 16608 | NY | Admitted (licensed) | $3,127 | 0.01% |
| 106 | Fidelity and Guaranty Insurance Company | 35386 | IA | Admitted (licensed) | $2,891 | 0.01% |
| 107 | Westfield Premier Insurance Company | 16450 | OH | Admitted (licensed) | $2,812 | 0.01% |
| 108 | Great Northern Insurance Company | 20303 | IN | Admitted (licensed) | $2,593 | 0.01% |
| 109 | Gemini Insurance Company | 10833 | DE | Surplus lines (eligible) | $2,546 | 0.01% |
| 110 | Westchester Surplus Lines Insurance Company | 10172 | GA | Surplus lines (eligible) | $2,539 | 0.01% |
| 111 | Illinois Union Insurance Company | 27960 | IL | Surplus lines (eligible) | $2,514 | 0.01% |
| 112 | Merchants National Bonding, Inc. | 11595 | IA | Admitted (licensed) | $2,514 | 0.01% |
| 113 | Frankenmuth Insurance Company | 13986 | MI | Admitted (licensed) | $2,385 | 0.01% |
| 114 | Zurich American Insurance Company of Illinois | 27855 | IL | Admitted (licensed) | $2,299 | 0.01% |
| 115 | Peerless Insurance Company | 24198 | NH | Admitted (licensed) | $2,009 | 0.00% |
| 116 | Westfield Superior Insurance Company | 16449 | OH | Admitted (licensed) | $1,759 | 0.00% |
| 117 | Nationwide Agribusiness Insurance Company | 28223 | IA | Admitted (licensed) | $1,667 | 0.00% |
| 118 | Steadfast Insurance Company | 26387 | IL | Surplus lines (eligible) | $1,628 | 0.00% |
| 119 | Ohio Farmers Insurance Company | 24104 | OH | Admitted (licensed) | $1,577 | 0.00% |
| 120 | Great American Insurance Company of New York | 22136 | NY | Admitted (licensed) | $1,394 | 0.00% |
| 121 | Vigilant Insurance Company | 20397 | NY | Admitted (licensed) | $1,198 | 0.00% |
| 122 | Ace Fire Underwriters Insurance Company | 20702 | PA | Admitted (licensed) | $1,097 | 0.00% |
| 123 | Transportation Insurance Company | 20494 | IL | Admitted (licensed) | $1,063 | 0.00% |
| 124 | Amerisure Mutual Insurance Company | 23396 | MI | Admitted (licensed) | $993 | 0.00% |
| 125 | American Casualty Company of Reading, Pennsylvania | 20427 | PA | Admitted (licensed) | $954 | 0.00% |
| 126 | Westfield Champion Insurance Company | 16447 | OH | Admitted (licensed) | $948 | 0.00% |
| 127 | St. Paul Mercury Insurance Company | 24791 | CT | Admitted (licensed) | $829 | 0.00% |
| 128 | Contractors Bonding and Insurance Company | 37206 | IL | Admitted (licensed) | $489 | 0.00% |
| 129 | Amerisure Insurance Company | 19488 | MI | Admitted (licensed) | $480 | 0.00% |
| 130 | Central Insurance Company | 20230 | OH | Admitted (licensed) | $466 | 0.00% |
| 131 | Chubb Custom Insurance Company | 38989 | NJ | Surplus lines (eligible) | $438 | 0.00% |
| 132 | Chubb National Insurance Company | 10052 | IN | Admitted (licensed) | $385 | 0.00% |
| 133 | Netherlands Insurance Company (The) | 24171 | NH | Admitted (licensed) | $351 | 0.00% |
| 134 | SureTec Insurance Company | 10916 | TX | Admitted (licensed) | $269 | 0.00% |
| 135 | Standard Fire Insurance Company (The) | 19070 | CT | Admitted (licensed) | $246 | 0.00% |
| 136 | Old Republic Insurance Company | 24147 | PA | Admitted (licensed) | $223 | 0.00% |
| 137 | National Fire Insurance Company of Hartford | 20478 | IL | Admitted (licensed) | $217 | 0.00% |
| 138 | American States Insurance Company | 19704 | IN | Admitted (licensed) | $210 | 0.00% |
| 139 | American Surety Company | 31380 | IN | Admitted (licensed) | $201 | 0.00% |
| 140 | Charter Oak Fire Insurance Company, (The) | 25615 | CT | Admitted (licensed) | $172 | 0.00% |
| 141 | St. Paul Guardian Insurance Company | 24775 | CT | Admitted (licensed) | $155 | 0.00% |
| 142 | Westfield Touchstone Insurance Company | 16448 | OH | Admitted (licensed) | $155 | 0.00% |
| 143 | Arch Specialty Insurance Company | 21199 | MO | Surplus lines (eligible) | $154 | 0.00% |
| 144 | Travelers Indemnity Company of Connecticut (The) | 25682 | CT | Admitted (licensed) | $96 | 0.00% |
| 145 | Farmington Casualty Company | 41483 | CT | Admitted (licensed) | $7 | 0.00% |
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.
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