Who writes surety bonds in Washington
The 40 largest writers by premium in 2025 from the Washington Office of the Insurance Commissioner and the Surplus Line Association of Washington market report (a top-40 list, shares of earned premium).
The 40 largest writers of surety bonds in Washington in 2025: Liberty Mutual Insurance Company led with 15.1% of the state's premium; the top five hold 47%.
By Sam Alishahi, independent insurance broker · All lines in Washington
The companies
| # | Company | NAIC | Home state | Status here | Premium | Share |
|---|---|---|---|---|---|---|
| 1 | Liberty Mutual Insurance Company | 23043 | MA | Admitted (licensed) | $34.7M | 15.10% |
| 2 | Travelers Casualty and Surety Company of America | 31194 | CT | Admitted (licensed) | $28.7M | 12.52% |
| 3 | Western Surety Company | 13188 | SD | Admitted (licensed) | $18.6M | 8.09% |
| 4 | Fidelity and Deposit Company of Maryland (The) | 39306 | IL | Admitted (licensed) | $15.4M | 6.70% |
| 5 | American Contractors Indemnity Company | 10216 | CA | Admitted (licensed) | $9.7M | 4.21% |
| 6 | Atlantic Specialty Insurance Company | 27154 | NY | Admitted (licensed) | $8.4M | 3.64% |
| 7 | Nationwide Mutual Insurance Company | 23787 | OH | Admitted (licensed) | $7.9M | 3.44% |
| 8 | Ohio Casualty Insurance Company (The) | 24074 | NH | Admitted (licensed) | $7.4M | 3.21% |
| 9 | Federal Insurance Company | 20281 | IN | Admitted (licensed) | $6.6M | 2.87% |
| 10 | Philadelphia Indemnity Insurance Company | 18058 | PA | Admitted (licensed) | $6.2M | 2.69% |
| 11 | Merchants Bonding Company (Mutual) | 14494 | IA | Admitted (licensed) | $5.9M | 2.57% |
| 12 | Merchants National Bonding, Inc. | 11595 | IA | Admitted (licensed) | $5.9M | 2.56% |
| 13 | Travelers Casualty and Surety Company | 19038 | CT | Admitted (licensed) | $5.5M | 2.39% |
| 14 | Swiss Re Corporate Solutions America Insurance Corporation | 29874 | MO | Admitted (licensed) | $5.1M | 2.22% |
| 15 | Old Republic Surety Company | 40444 | WI | Admitted (licensed) | $4.7M | 2.04% |
| 16 | Ace American Insurance Company | 22667 | PA | Admitted (licensed) | $4.6M | 2.02% |
| 17 | RLI Insurance Company | 13056 | IL | Admitted (licensed) | $4.3M | 1.86% |
| 18 | UNITED FIRE \u0026 CASUALTY COMPANY | 13021 | IA | Admitted (licensed) | $4.2M | 1.81% |
| 19 | Endurance Assurance Corporation | 11551 | DE | Admitted (licensed) | $3.8M | 1.65% |
| 20 | Harco National Insurance Company | 26433 | IL | Admitted (licensed) | $3.6M | 1.55% |
| 21 | Lexon Insurance Company | 13307 | TX | Admitted (licensed) | $3.4M | 1.50% |
| 22 | North River Insurance Company (The) | 21105 | NJ | Admitted (licensed) | $3.4M | 1.47% |
| 23 | Berkley Assurance Company | 32603 | DE | Admitted (licensed) | $3.3M | 1.42% |
| 24 | Hartford Fire Insurance Company | 19682 | CT | Admitted (licensed) | $3.2M | 1.38% |
| 25 | Zurich American Insurance Company | 16535 | NY | Admitted (licensed) | $3.0M | 1.30% |
| 26 | American Alternative Insurance Corporation | 19720 | DE | Admitted (licensed) | $2.5M | 1.08% |
| 27 | Contractors Bonding and Insurance Company | 37206 | IL | Admitted (licensed) | $2.0M | 0.88% |
| 28 | United States Fire Insurance Company | 21113 | DE | Admitted (licensed) | $1.9M | 0.83% |
| 29 | SureTec Insurance Company | 10916 | TX | Admitted (licensed) | $1.7M | 0.73% |
| 30 | Arch Insurance (UK) Limited | 11150 | MO | Admitted (licensed) | $1.7M | 0.72% |
| 31 | Great American Insurance Company | 16691 | OH | Admitted (licensed) | $1.5M | 0.67% |
| 32 | Euler Hermes North America Insurance Company | 20516 | MD | Admitted (licensed) | $1.5M | 0.65% |
| 33 | ASCOT SURETY \u0026 CASUALTY COMPANY | 30279 | CO | Admitted (licensed) | $1.5M | 0.64% |
| 34 | Markel Insurance Company | 38970 | IL | Admitted (licensed) | $1.4M | 0.63% |
| 35 | Hanover Insurance Company (The) | 22292 | NH | Admitted (licensed) | $1.4M | 0.59% |
| 36 | Westchester Fire Insurance Company | 10030 | PA | Admitted (licensed) | $1.3M | 0.58% |
| 37 | SiriusPoint America Insurance Company | 38776 | NY | Admitted (licensed) | $1.3M | 0.57% |
| 38 | Cincinnati Insurance Company (The) | 10677 | OH | Admitted (licensed) | $1.2M | 0.52% |
| 39 | Palomar Casualty and Surety Company | 10671 | LA | Admitted (licensed) | $1.0M | 0.45% |
| 40 | Continental Insurance Company, (The) | 35289 | PA | Admitted (licensed) | $586,000 | 0.26% |
Method and source
Source: the Washington Office of the Insurance Commissioner and the Surplus Line Association of Washington company list, read 2026-10-17 and the surplus lines list. Washington's authorized list comes from the OIC's 2025 market report (Appendix D), which leaves out authorized companies with no premium that year. Premiums are in thousands. "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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