Who writes fidelity bonds in South Dakota
Ranked by direct premium written in 2025 from the South Dakota market share report (every company, not a top-N list).
79 companies wrote fidelity bonds in South Dakota in 2025, $3.7M in direct premium. Travelers Casualty and Surety Company of America led with 25.6%; the top five hold 57%.
By Sam Alishahi, independent insurance broker · All lines in South Dakota
The companies
| # | Company | NAIC | Home state | Status here | Premium | Share |
|---|---|---|---|---|---|---|
| 1 | Travelers Casualty and Surety Company of America | 31194 | CT | Admitted (licensed) | $954,391 | 25.56% |
| 2 | Cumis Insurance Society Incorporated | 10847 | IA | Admitted (licensed) | $390,244 | 10.45% |
| 3 | Western Surety Company | 13188 | SD | Admitted (licensed) | $275,751 | 7.38% |
| 4 | Federal Insurance Company | 20281 | IN | Admitted (licensed) | $267,163 | 7.15% |
| 5 | Security National Insurance Company | 19879 | DE | Admitted (licensed) | $245,767 | 6.58% |
| 6 | Continental Casualty Company | 20443 | IL | Admitted (licensed) | $202,651 | 5.43% |
| 7 | Great American Insurance Company | 16691 | OH | Admitted (licensed) | $154,601 | 4.14% |
| 8 | National Union Fire Insurance Company of Pittsburgh, Pennsylvania | 19445 | PA | Admitted (licensed) | $116,586 | 3.12% |
| 9 | Berkley Assurance Company | 32603 | DE | Admitted (licensed) | $92,066 | 2.47% |
| 10 | Zurich American Insurance Company | 16535 | NY | Admitted (licensed) | $88,608 | 2.37% |
| 11 | U.S. Specialty Insurance Company | 29599 | TX | Admitted (licensed) | $81,281 | 2.18% |
| 12 | EMPLOYERS MUTUAL CASUALTY COMPANY Employers Mutual Casualty Company) | 21415 | IA | Admitted (licensed) | $62,813 | 1.68% |
| 13 | Liberty Mutual Insurance Company | 23043 | MA | Admitted (licensed) | $62,079 | 1.66% |
| 14 | United States Fire Insurance Company | 21113 | DE | Admitted (licensed) | $58,486 | 1.57% |
| 15 | ACUITY, A Mutual Insurance Company | 14184 | WI | Admitted (licensed) | $54,790 | 1.47% |
| 16 | Atlantic Specialty Insurance Company | 27154 | NY | Admitted (licensed) | $51,243 | 1.37% |
| 17 | AXIS Insurance Company | 37273 | IL | Admitted (licensed) | $51,207 | 1.37% |
| 18 | Hanover Insurance Company (The) | 22292 | NH | Admitted (licensed) | $40,269 | 1.08% |
| 19 | Beazley Insurance Company, Inc. | 37540 | CT | Admitted (licensed) | $29,896 | 0.80% |
| 20 | Colonial Surety Company | 10758 | PA | Admitted (licensed) | $27,543 | 0.74% |
| 21 | Hartford Fire Insurance Company | 19682 | CT | Admitted (licensed) | $27,467 | 0.74% |
| 22 | Nationwide Mutual Insurance Company | 23787 | OH | Admitted (licensed) | $25,984 | 0.70% |
| 23 | Federated Mutual Insurance Company | 13935 | MN | Admitted (licensed) | $25,720 | 0.69% |
| 24 | Berkley Regional Insurance Company | 29580 | IA | Admitted (licensed) | $24,655 | 0.66% |
| 25 | Federated Service Insurance Company | 28304 | MN | Admitted (licensed) | $24,340 | 0.65% |
| 26 | Auto-Owners Insurance Company | 18988 | MI | Admitted (licensed) | $23,504 | 0.63% |
| 27 | Federated Rural Electric Insurance Exchange | 11118 | KS | Admitted (licensed) | $23,412 | 0.63% |
| 28 | Arch Insurance (UK) Limited | 11150 | MO | Admitted (licensed) | $22,591 | 0.60% |
| 29 | Twin City Fire Insurance Company (The) | 29459 | IN | Admitted (licensed) | $21,140 | 0.57% |
| 30 | Owners Insurance Company | 32700 | OH | Admitted (licensed) | $17,965 | 0.48% |
| 31 | Federated Reserve Insurance Company | 16024 | MN | Admitted (licensed) | $15,776 | 0.42% |
| 32 | Philadelphia Indemnity Insurance Company | 18058 | PA | Admitted (licensed) | $15,178 | 0.41% |
| 33 | Great American Alliance Insurance Company | 26832 | OH | Admitted (licensed) | $14,397 | 0.39% |
| 34 | Crestbrook Insurance Company | 18961 | OH | Admitted (licensed) | $14,000 | 0.37% |
| 35 | Nationwide Agribusiness Insurance Company | 28223 | IA | Admitted (licensed) | $11,897 | 0.32% |
| 36 | Continental Insurance Company, (The) | 35289 | PA | Admitted (licensed) | $11,605 | 0.31% |
| 37 | State Farm Fire and Casualty Company | 25143 | IL | Admitted (licensed) | $10,053 | 0.27% |
| 38 | Old Republic Insurance Company | 24147 | PA | Admitted (licensed) | $9,771 | 0.26% |
| 39 | Ace American Insurance Company | 22667 | PA | Admitted (licensed) | $8,690 | 0.23% |
| 40 | Southwest Marine and General Insurance Company | 12294 | AZ | Admitted (licensed) | $7,682 | 0.21% |
| 41 | QBE Insurance (Europe) Limited | 39217 | PA | Admitted (licensed) | $6,756 | 0.18% |
| 42 | STARR INDEMNITY \u0026 LIABILITY COMPANY | 38318 | TX | Admitted (licensed) | $6,257 | 0.17% |
| 43 | Markel American Insurance Company | 28932 | VA | Admitted (licensed) | $5,919 | 0.16% |
| 44 | Sentry Select Insurance Company | 21180 | WI | Admitted (licensed) | $4,982 | 0.13% |
| 45 | Ironshore Indemnity, Inc. | 23647 | IL | Admitted (licensed) | $4,431 | 0.12% |
| 46 | Midvale Indemnity Company | 27138 | WI | Admitted (licensed) | $3,793 | 0.10% |
| 47 | IMT Insurance Company | 14257 | IA | Admitted (licensed) | $3,634 | 0.10% |
| 48 | UNITED FIRE \u0026 CASUALTY COMPANY | 13021 | IA | Admitted (licensed) | $3,300 | 0.09% |
| 49 | Ohio Casualty Insurance Company (The) | 24074 | NH | Admitted (licensed) | $2,958 | 0.08% |
| 50 | Old Republic Surety Company | 40444 | WI | Admitted (licensed) | $2,693 | 0.07% |
| 51 | Sentry Insurance Company | 24988 | WI | Admitted (licensed) | $2,566 | 0.07% |
| 52 | Chubb Indemnity Insurance Company | 12777 | NY | Admitted (licensed) | $2,406 | 0.06% |
| 53 | Merchants Bonding Company (Mutual) | 14494 | IA | Admitted (licensed) | $2,287 | 0.06% |
| 54 | Milbank Insurance Company | 41653 | IA | Admitted (licensed) | $2,140 | 0.06% |
| 55 | Surety Bonding Company of America | 24047 | SD | Admitted (licensed) | $1,810 | 0.05% |
| 56 | Middlesex Insurance Company | 23434 | WI | Admitted (licensed) | $1,589 | 0.04% |
| 57 | Platte River Insurance Company | 18619 | NE | Admitted (licensed) | $1,573 | 0.04% |
| 58 | NGM Insurance Company | 14788 | FL | Admitted (licensed) | $1,522 | 0.04% |
| 59 | Chubb National Insurance Company | 10052 | IN | Admitted (licensed) | $1,509 | 0.04% |
| 60 | Great Northern Insurance Company | 20303 | IN | Admitted (licensed) | $1,363 | 0.04% |
| 61 | Farmers Alliance Mutual Insurance Company | 19194 | KS | Admitted (licensed) | $1,098 | 0.03% |
| 62 | RLI Insurance Company | 13056 | IL | Admitted (licensed) | $918 | 0.02% |
| 63 | St. Paul Fire and Marine Insurance Company | 24767 | CT | Admitted (licensed) | $885 | 0.02% |
| 64 | Great American Assurance Company | 26344 | OH | Admitted (licensed) | $871 | 0.02% |
| 65 | Fidelity and Guaranty Insurance Company | 35386 | IA | Admitted (licensed) | $739 | 0.02% |
| 66 | Westchester Fire Insurance Company | 10030 | PA | Admitted (licensed) | $607 | 0.02% |
| 67 | Amherst National Insurance Company | 16379 | NC | Admitted (licensed) | $491 | 0.01% |
| 68 | Vigilant Insurance Company | 20397 | NY | Admitted (licensed) | $320 | 0.01% |
| 69 | Charter Oak Fire Insurance Company, (The) | 25615 | CT | Admitted (licensed) | $304 | 0.01% |
| 70 | Fidelity and Deposit Company of Maryland (The) | 39306 | IL | Admitted (licensed) | $258 | 0.01% |
| 71 | Pennsylvania Lumbermen's Mutual Insurance Company | 14974 | PA | Admitted (licensed) | $204 | 0.01% |
| 72 | Union Insurance Company | 25844 | IA | Admitted (licensed) | $203 | 0.01% |
| 73 | Fireman's Fund Insurance Company | 21873 | IL | Admitted (licensed) | $132 | 0.00% |
| 74 | Merchants National Bonding, Inc. | 11595 | IA | Admitted (licensed) | $126 | 0.00% |
| 75 | Western National Mutual Insurance Company | 15377 | MN | Admitted (licensed) | $87 | 0.00% |
| 76 | Universal Surety Company | 25933 | NE | Admitted (licensed) | $30 | 0.00% |
| 77 | State Automobile Mutual Insurance Company | 25135 | OH | Admitted (licensed) | $20 | 0.00% |
| 78 | St. Paul Guardian Insurance Company | 24775 | CT | Admitted (licensed) | $16 | 0.00% |
| 79 | Transportation Insurance Company | 20494 | IL | Admitted (licensed) | $1 | 0.00% |
Method and source
Source: the South Dakota insurance regulator company list, read 2026-10-18. SD publishes no licensing roster. This is the SD Division of Insurance market share report set for 2025 (NAIC i-site, CodeList Basis: Licensed): every licensed company that reported SD direct premium on its 2025 annual statement, so licensed companies with no SD premium are absent. type = statement type of the total report(s) the company appears in (Property & Casualty / Life / Health / Title; Life covers both the Life & Annuity and the Life A&H totals). lines = SD per-line reports in which the company wrote direct premium > 0, named as the report headers name them (P&C lines plus the A&H lines filed on P&C/Life statements). Farm mutuals sheet (no NAIC codes) and the 'all statement types' aggregates skipped. No surplus lines eligibility list is published by SD (surplus lines filings go through the SLIP+ clearinghouse). 1 company(ies) found only in a per-line report, not in any total, left out: 38920 Kinsale Ins Co (Aircraft - All Perils). "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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