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Directory · Utah · Fidelity bonds

Who writes fidelity bonds in Utah

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 Utah in 2025, $2.3M and 17.6% of the state's premium; the top five groups hold 53%. Utah'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 Utah page.

By Sam Alishahi, independent insurance broker · All lines in Utah

Top 10 · NAIC table: 23 - Fidelity

The insurer groups that write the most fidelity bonds in Utah

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$2.3M17.61%76%Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
2Cna Insurance Group$1.2M9.09%10%Continental Casualty Company, Continental Insurance Company, (The), American Casualty Company of Reading, Pennsylvania, National Fire Insurance Company of Hartford
3Trustage Group$1.1M8.83%258%Cumis Insurance Society Incorporated, CUMIS Specialty Insurance Company, Inc.
4Beazley Group$1.1M8.80%5%Beazley Insurance Company, Inc., Beazley Excess and Surplus Insurance, Inc. (C), Beazley America Insurance Company, Inc.
5Chubb Ltd Group$1.1M8.53%—Federal Insurance Company, Ace American Insurance Company, Ace Property and Casualty Insurance Company, Chubb Lloyd's Insurance Company of Texas
6American International Group$879,0006.83%74%National Union Fire Insurance Company of Pittsburgh, Pennsylvania, AIG Property Casualty Company, Lexington Insurance Company, AIU Insurance Company
7American Financial Group$772,0006.00%19%Great American Insurance Company, Great American Assurance Company, National Interstate Insurance Company, Great American Alliance Insurance Company
8Axis Capital Group$487,0003.78%14%AXIS Insurance Company, AXIS Surplus Insurance Company, AXIS Reinsurance Company, AXIS Specialty Insurance Company
9Wr Berkley Corporation Group$439,0003.41%173%Berkley Assurance Company, Berkley National Insurance Company, Carolina Casualty Insurance Company, StarNet Insurance Company
10Coaction Global Inc Group$362,0002.81%40%New York Marine and General Insurance Company, Southwest Marine and General Insurance Company, Gotham Insurance Company
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Last resort for fidelity bonds in Utah

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 Utah insurance regulator company list, read 2026-10-18 and the surplus lines list. Source: Utah Insurance Department 2024 Annual Report (PDF; pages are laid out rotated 90 degrees and were parsed from character coordinates). ADMITTED = the report's Licensed Insurer Directory: every licensed company of every kind, with no NAIC code, no lines of authority and no company type; 'domicile' is its State Of Domicile column. 'type' was derived by this script, not printed by the Department: exact name match to the Domestic Insurer Directory (its Type column: P&C, Life, HMO, LHSO, Title), else an abbreviation-aware name match to the report's financial tables: Table E = P&C, Table F = Life/A&H, Table G = Title, Table H = Motor Club, Table I (health statement filers) by its sub-section = HMDI, Life/A&H, HMO, P&C or LHSO. Type '' (about 1%) means no confident match or an ambiguous one (e.g. 'United Amer Ins Co' appears in both Table E and F), so a P&C filter should keep '' rows for review. The directory's Date Organized is the incorporation date, not the Utah admission date, so 'since' is blank. SURPLUS LINES = the report's Surplus Lines Insurer Directory: name, mailing address and Type (P&C or L&H) only; no NAIC code, no domicile, no eligibility date. 'alien' is true only when the mailing address is outside the US or the name is a Lloyd's syndicate; Table A counts 244 surplus lines insurers (26 alien) but the directory lists about 100, so alien/IID insurers are largely missing. Names are kept exactly as printed (including the source typo 'Property aAnd Casualty'). "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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