Directory · West Virginia · Surety bonds

Who writes surety bonds in West Virginia

Top insurer groups from the NAIC market share report; the state's list carries no lines of authority.

Indemnity National Insurance Co. wrote the most surety bonds in West Virginia in 2025, $11.9M and 21.2% of the state's premium; the top five groups hold 47%. West Virginia'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 West Virginia page.

By Sam Alishahi, independent insurance broker · All lines in West Virginia

Top 10 · NAIC table: 24 - Surety

The insurer groups that write the most surety bonds in West Virginia

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 group	Premium written	Share	Loss ratio	Member companies here
1	Indemnity National Insurance Company	$11.9M	21.25%	10%	—
2	Travelers Group	$4.5M	7.96%	14%	Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
3	Zurich Insurance Group	$4.4M	7.82%	—	Zurich American Insurance Company, Rural Community Insurance Company, American Zurich Insurance Company, American Guarantee and Liability Insurance Company
4	Liberty Mutual Group	$3.0M	5.42%	11%	Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
5	Westfield Group	$2.7M	4.87%	1%	Westfield Insurance Company, Westfield National Insurance Company, American Select Insurance Company, Westfield Specialty Insurance Company
6	First Surety Corporation	$2.5M	4.46%	45%	—
7	Tokio Marine Holdings Inc Group	$2.4M	4.33%	11%	Philadelphia Indemnity Insurance Company, Privilege Underwriters Reciprocal Exchange, PURE Risk Mgt, Atty-in-Fact, Safety National Casualty Corporation, Producers Agriculture Insurance Company
8	Cna Insurance Group	$2.1M	3.75%	360%	Continental Casualty Company, Continental Insurance Company, (The), American Casualty Company of Reading, Pennsylvania, National Fire Insurance Company of Hartford
9	Fairfax Financial Group	$2.0M	3.49%	7%	United States Fire Insurance Company, Zenith Insurance Company, Hudson Insurance Company, North River Insurance Company (The)
10	American Financial Group	$1.6M	2.85%	12%	Great American Insurance Company, Great American Assurance Company, National Interstate Insurance Company, Great American Alliance Insurance Company

Turned down?

Last resort for surety bonds in West Virginia

Last resort	Lines	Where	How to get in
Surplus lines and Lloyd's open market	all	all states, under each state's diligent-search rules	Through surplus lines wholesalers; commercial property and liability have no guaranteed plan, so this is their last step	Source

Method and source

Source: the West Virginia insurance regulator company list, read 2026-10-18 and the surplus lines list. Surplus lines: NAIC SBS 'Company List Report' PDF (Company Type=Surplus Lines, Status=Active, report date 07-16-2026, issue dates through 06-30-2026) linked from https://www.wvinsurance.gov/company-home as 'List of Surplus Lines Insurers (as of 6/30/2026)'. The PDF has no text layer; pages rendered at 300 dpi, turned upright and OCR'd with macOS Vision (whole page plus one pass per table row), cells located by the PDF's own ruling lines. Report states 245 companies; parsed 245. No per-company eligibility date is printed (eligible=''). Alien insurers mostly have no NAIC code in the report (naic=''). Long names are truncated by the report itself. Columns not carried into WV.json (FEIN, org type, group number, state legacy ID, status) are in wv_surplus_rows.csv. Admitted: West Virginia publishes no bulk roster of licensed P&C insurers (only company-type counts and the one-at-a-time NAIC SBS lookup), so admitted is empty. "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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