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Directory · North Carolina · Surety bonds

Who writes surety 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).

152 companies wrote surety bonds in North Carolina in 2025, $312.9M in direct premium. Travelers Casualty and Surety Company of America led with 17.8%; the top five hold 39%. 156 companies are licensed for the line.

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

Top 10 · NAIC table: 24 - Surety

The insurer groups that write the most surety 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$55.6M17.79%11%Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
2Liberty Mutual Group$31.4M10.04%11%Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
3Intact Financial Group$14.8M4.73%7%Atlantic Specialty Insurance Company, Homeland Insurance Company of New York, OBI National Insurance Company, Homeland Insurance Company of Delaware
4Zurich Insurance Group$14.3M4.59%—Zurich American Insurance Company, Rural Community Insurance Company, American Zurich Insurance Company, American Guarantee and Liability Insurance Company
5Cna Insurance Group$13.3M4.26%15%Continental Casualty Company, Continental Insurance Company, (The), American Casualty Company of Reading, Pennsylvania, National Fire Insurance Company of Hartford
6Tokio Marine Holdings Inc Group$10.3M3.31%4%Philadelphia Indemnity Insurance Company, Privilege Underwriters Reciprocal Exchange, PURE Risk Mgt, Atty-in-Fact, Safety National Casualty Corporation, Producers Agriculture Insurance Company
7Chubb Ltd Group$8.1M2.60%—Federal Insurance Company, Ace American Insurance Company, Ace Property and Casualty Insurance Company, Chubb Lloyd's Insurance Company of Texas
8Hartford Fire & Casualty Group$7.5M2.40%2%Hartford Fire Insurance Company, Hartford Underwriters Insurance Company, Hartford Casualty Insurance Company, Twin City Fire Insurance Company (The)
9Rli Insurance Group$6.4M2.04%19%RLI Insurance Company, Contractors Bonding and Insurance Company, Mt. Hawley Insurance Company
10Cincinnati Financial Group$6.3M2.01%24%Cincinnati Insurance Company (The), Cincinnati Casualty Company (The), Cincinnati Indemnity Company (The), Cincinnati Specialty Underwriters Insurance Company (The)
Surety bonds · North Carolina

The companies

#CompanyNAICHome stateStatus herePremiumShare
1Travelers Casualty and Surety Company of America31194CTAdmitted (licensed)$55.6M17.78%
2Liberty Mutual Insurance Company23043MAAdmitted (licensed)$26.4M8.45%
3Atlantic Specialty Insurance Company27154NYAdmitted (licensed)$14.8M4.73%
4Fidelity and Deposit Company of Maryland (The)39306ILAdmitted (licensed)$14.0M4.47%
5Western Surety Company13188SDAdmitted (licensed)$10.9M3.50%
6Philadelphia Indemnity Insurance Company18058PAAdmitted (licensed)$8.4M2.67%
7Federal Insurance Company20281INAdmitted (licensed)$7.2M2.29%
8Hartford Fire Insurance Company19682CTAdmitted (licensed)$6.6M2.11%
9Cincinnati Insurance Company (The)10677OHAdmitted (licensed)$6.3M2.01%
10Berkley Assurance Company32603DEAdmitted (licensed)$6.2M1.99%
11Palomar Casualty and Surety Company10671LAAdmitted (licensed)$5.8M1.85%
12Great Midwest Insurance Company18694TXAdmitted (licensed)$5.7M1.82%
13RLI Insurance Company13056ILAdmitted (licensed)$5.6M1.80%
14Arch Insurance (UK) Limited11150MOAdmitted (licensed)$5.3M1.70%
15Great American Insurance Company16691OHAdmitted (licensed)$5.0M1.61%
16Swiss Re Corporate Solutions America Insurance Corporation29874MOAdmitted (licensed)$4.9M1.57%
17Palmetto Surety Corporation13121SCAdmitted (licensed)$4.9M1.57%
18Ohio Casualty Insurance Company (The)24074NHAdmitted (licensed)$4.9M1.55%
19Everest Reinsurance (Bermuda) Limited -26921DEAdmitted (licensed)$4.6M1.48%
20Merchants National Bonding, Inc.11595IAAdmitted (licensed)$4.3M1.38%
21Nationwide Mutual Insurance Company23787OHAdmitted (licensed)$4.3M1.37%
22United States Fire Insurance Company21113DEAdmitted (licensed)$4.2M1.34%
23Harco National Insurance Company26433ILAdmitted (licensed)$4.1M1.29%
24AXIS Insurance Company37273ILAdmitted (licensed)$3.5M1.13%
25Granite Re, Inc.26310MNAdmitted (licensed)$3.4M1.10%
26Accelerant National Insurance Company10220ARAdmitted (licensed)$2.9M0.93%
27NGM Insurance Company14788FLAdmitted (licensed)$2.8M0.91%
28State National Insurance Company, Inc.12831TXAdmitted (licensed)$2.8M0.90%
29West Bend Insurance Company15350WIAdmitted (licensed)$2.7M0.87%
30Old Republic Surety Company40444WIAdmitted (licensed)$2.7M0.86%
31Berkshire Hathaway Specialty Insurance Company22276NEAdmitted (licensed)$2.5M0.81%
32XL Specialty Insurance Company37885DEAdmitted (licensed)$2.5M0.80%
33Insurance Company of the South11162GAAdmitted (licensed)$2.3M0.73%
34Lexington National Insurance Corporation37940FLAdmitted (licensed)$2.2M0.72%
35American Alternative Insurance Corporation19720DEAdmitted (licensed)$2.2M0.72%
36ASCOT SURETY \u0026 CASUALTY COMPANY30279COAdmitted (licensed)$2.1M0.69%
37EMPLOYERS MUTUAL CASUALTY COMPANY Employers Mutual Casualty Company)21415IAAdmitted (licensed)$2.1M0.68%
38Pennsylvania Insurance Company21962NMAdmitted (licensed)$2.1M0.67%
39Selective Insurance Company of America12572NJAdmitted (licensed)$2.1M0.67%
40Hanover Insurance Company (The)22292NHAdmitted (licensed)$2.0M0.65%
41Trisura Insurance Company22225OKAdmitted (licensed)$1.9M0.61%
42SiriusPoint America Insurance Company38776NYAdmitted (licensed)$1.9M0.61%
43Bankers Insurance Company33162FLAdmitted (licensed)$1.7M0.55%
44Allegheny Casualty Company13285NJAdmitted (licensed)$1.5M0.49%
45Euler Hermes North America Insurance Company20516MDAdmitted (licensed)$1.5M0.49%
46FINANCIAL CASUALTY \u0026 SURETY, INC.35009TXAdmitted (licensed)$1.5M0.47%
47|Trisura Specialty Insurance Company16188OKSurplus lines (eligible)$1.4M0.45%
48Markel Insurance Company38970ILAdmitted (licensed)$1.4M0.45%
49SureTec Insurance Company10916TXAdmitted (licensed)$1.4M0.44%
50Merchants Bonding Company (Mutual)14494IAAdmitted (licensed)$1.3M0.43%
51FCCI Insurance Company10178FLAdmitted (licensed)$1.3M0.41%
52Continental Casualty Company20443ILAdmitted (licensed)$1.3M0.41%
53Westfield Insurance Company24112OHAdmitted (licensed)$1.3M0.40%
54Endurance Assurance Corporation11551DEAdmitted (licensed)$1.2M0.40%
55Frankenmuth Insurance Company13986MIAdmitted (licensed)$1.2M0.39%
56Capitol Indemnity Corporation10472WIAdmitted (licensed)$1.2M0.38%
571st Atlantic Surety Co15267NCAdmitted (licensed)$1.1M0.36%
58Continental Insurance Company, (The)35289PAAdmitted (licensed)$1.1M0.36%
59UNITED FIRE \u0026 CASUALTY COMPANY13021IAAdmitted (licensed)$1.1M0.35%
60Lexon Insurance Company13307TXAdmitted (licensed)$1.1M0.34%
61United States Surety Company10656MDAdmitted (licensed)$1.0M0.33%
62Republic - Vanguard Insurance Company40479AZSurplus lines (eligible)$1.0M0.32%
63Indemnity National Insurance Company18468MSAdmitted (licensed)$947,9500.30%
64U.S. Specialty Insurance Company29599TXAdmitted (licensed)$944,0940.30%
65Amherst National Insurance Company16379NCAdmitted (licensed)$933,0320.30%
66Platte River Insurance Company18619NEAdmitted (licensed)$889,7230.28%
67Lyndon Southern Insurance Company10051DEAdmitted (licensed)$874,4280.28%
68Amerisure Mutual Insurance Company23396MIAdmitted (licensed)$766,6060.25%
69Contractors Bonding and Insurance Company37206ILAdmitted (licensed)$746,6440.24%
70Hudson Insurance Company25054DEAdmitted (licensed)$708,9800.23%
71State Farm Fire and Casualty Company25143ILAdmitted (licensed)$702,1400.22%
72Hartford Accident and Indemnity Company22357CTAdmitted (licensed)$645,2990.21%
73American Bankers Insurance Company of Florida10111FLAdmitted (licensed)$605,3040.19%
74Developers Surety and Indemnity Company12718CAAdmitted (licensed)$591,6040.19%
75|Hudson Excess Insurance Company14484DESurplus lines (eligible)$514,3720.16%
76Pennsylvania National Mutual Casualty Insurance Company14990PAAdmitted (licensed)$502,1010.16%
77Ace American Insurance Company22667PAAdmitted (licensed)$497,5330.16%
78American Surety Company31380INAdmitted (licensed)$465,9930.15%
79UNIVERSAL FIRE \u0026 CASUALTY INSURANCE COMPANY32867INAdmitted (licensed)$452,0210.14%
80First Indemnity of America Insurance Company38326NJAdmitted (licensed)$444,0140.14%
81United Casualty and Surety Insurance Company36226NEAdmitted (licensed)$433,8210.14%
82Knightbrook Insurance Company13722DEAdmitted (licensed)$431,8190.14%
83First Founders Assurance Company12150NJAdmitted (licensed)$391,8970.13%
84Summit Specialty Insurance Company16889NESurplus lines (eligible)$380,1320.12%
85Bar Plan Mutual Insurance Company (The)29513MOAdmitted (licensed)$375,7950.12%
86Westchester Fire Insurance Company10030PAAdmitted (licensed)$366,7590.12%
87Ohio Indemnity Company26565OHAdmitted (licensed)$363,4500.12%
88Zurich American Insurance Company16535NYAdmitted (licensed)$353,5030.11%
89First Community Insurance Company13990FLAdmitted (licensed)$330,4470.11%
90Auto-Owners Insurance Company18988MIAdmitted (licensed)$317,1850.10%
91Colonial Surety Company10758PAAdmitted (licensed)$309,6860.10%
92Everspan Indemnity Insurance Company (C)16882AZSurplus lines (eligible)$277,6800.09%
93Argonaut Insurance Company19801NEAdmitted (licensed)$273,4450.09%
94MTAW Insurance Company16498DEAdmitted (licensed)$252,3040.08%
95Hartford Casualty Insurance Company29424INAdmitted (licensed)$248,6970.08%
96North River Insurance Company (The)21105NJAdmitted (licensed)$242,1140.08%
97Guarantee Company of North America USA (The)36650ARAdmitted (licensed)$219,3320.07%
98Bondex Insurance Company12965NJAdmitted (licensed)$216,6780.07%
99Gray Insurance Company (The)36307LAAdmitted (licensed)$191,1710.06%
100National American Insurance Company23663OKAdmitted (licensed)$182,4550.06%
101International Fidelity Insurance Company11592NJAdmitted (licensed)$172,9240.06%
102Swiss Re Corporate Solutuions Premier Insurance Corporation32778MOAdmitted (licensed)$147,0160.05%
103Evergreen National Indemnity Company12750OHSurplus lines (eligible)$137,4710.04%
104Bond Safeguard Insurance Company27081SDAdmitted (licensed)$101,8960.03%
105Safeco Insurance Company of America24740NHAdmitted (licensed)$100,8280.03%
106Erie Insurance Company26263PAAdmitted (licensed)$96,2100.03%
107Federated Mutual Insurance Company13935MNAdmitted (licensed)$94,1440.03%
108Pacific Indemnity Company20346DEAdmitted (licensed)$87,3980.03%
109Everspan Insurance Company24961AZAdmitted (licensed)$82,3530.03%
110Fair American Insurance and Reinsurance Company35157NYAdmitted (licensed)$78,2560.03%
111Old Republic Insurance Company24147PAAdmitted (licensed)$64,2080.02%
112North Carolina Farm Bur Mut Ins Co14842NCAdmitted (licensed)$59,0030.02%
113Everest Indemnity Insurance Company10851DESurplus lines (eligible)$58,0320.02%
114Endurance American Insurance Company10641DEAdmitted (licensed)$53,4050.02%
115ROCHE SURETY \u0026 CASUALTY COMPANY, INC.42706FLAdmitted (licensed)$47,6680.02%
116Seneca Insurance Company Incorporated10936NYAdmitted (licensed)$37,4910.01%
117Protective Insurance Company12416INAdmitted (licensed)$35,0500.01%
118American Southern Insurance Company10235KSAdmitted (licensed)$32,9900.01%
119Western National Mutual Insurance Company15377MNAdmitted (licensed)$30,7120.01%
120Great American Alliance Insurance Company26832OHAdmitted (licensed)$24,9490.01%
121CRUM \u0026 FORSTER INDEMNITY COMPANY31348DEAdmitted (licensed)$23,0030.01%
122Continental Heritage Insurance Company39551FLAdmitted (licensed)$20,0000.01%
123Ohio Farmers Insurance Company24104OHAdmitted (licensed)$18,1920.01%
124RepWest Insurance Company31089AZAdmitted (licensed)$13,4640.00%
125Travelers Casualty and Surety Company19038CTAdmitted (licensed)$12,0700.00%
126GREAT AMERICAN E\u0026 S INSURANCE COMPANY\37532OHSurplus lines (eligible)$11,4510.00%
127Peerless Insurance Company24198NHAdmitted (licensed)$8,3120.00%
128United States Fidelity and Guaranty Company25887CTAdmitted (licensed)$7,2290.00%
129Acstar Insurance Company22950ILAdmitted (licensed)$7,2180.00%
130Sentry Select Insurance Company21180WIAdmitted (licensed)$4,6650.00%
131American Fire and Casualty Company24066NHAdmitted (licensed)$4,5000.00%
132Indemnity Insurance Company of North America43575PAAdmitted (licensed)$4,1000.00%
133Westport Insurance Corporation39845MOAdmitted (licensed)$4,0000.00%
134Utica Mutual Insurance Company25976NYAdmitted (licensed)$3,3560.00%
135Service Insurance Company, Inc. (The)28240NJAdmitted (licensed)$2,6680.00%
136Technology Insurance Company, Inc.42376DEAdmitted (licensed)$2,3240.00%
137National Fire Insurance Company of Hartford20478ILAdmitted (licensed)$1,3110.00%
138Star Insurance Company18023MIAdmitted (licensed)$1,1000.00%
139National Indemnity Company20087NEAdmitted (licensed)$1,0480.00%
140Insurance Company of the State of Pennsylvania (The)19429ILAdmitted (licensed)$8560.00%
141American States Insurance Company19704INAdmitted (licensed)$7000.00%
142Old Republic General Insurance Corporation24139ILAdmitted (licensed)$5250.00%
143Hartford Insurance Company of the Midwest37478INAdmitted (licensed)$5000.00%
144Standard Fire Insurance Company (The)19070CTAdmitted (licensed)$3900.00%
145American Casualty Company of Reading, Pennsylvania20427PAAdmitted (licensed)$2750.00%
146Sentry Insurance Company24988WIAdmitted (licensed)$1500.00%
147Ironshore Indemnity, Inc.23647ILAdmitted (licensed)$1300.00%
148Farmington Casualty Company41483CTAdmitted (licensed)$1000.00%
149First National Insurance Company of America24724NHAdmitted (licensed)$1000.00%
150Pacific Employers Insurance Company22748PAAdmitted (licensed)$1000.00%
151St. Paul Fire and Marine Insurance Company24767CTAdmitted (licensed)$1000.00%
152Motors Insurance Corporation22012MIAdmitted (licensed)$750.00%
Turned down?

Last resort for surety 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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