Alishahi InsuranceIndependent Insurance Broker
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Who insures it · 2 named markets · read 2026-10-28

Who insures Bail bonds?

Bail bonds is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.

2 markets publicly write Bail bonds: Prime Insurance Company, XINSURANCE. 1 E&S carrier, 1 wholesaler. 2 through surplus lines.

By Sam Alishahi, independent insurance broker

The markets

Who says they write it

From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.

MarketWhat they say they writeWherePaperSource
Prime Insurance Company
E&S carrier		Professional liability and wrongful arrest coverage tailored for bounty hunters, bail agents, bail bond agents, bail business entities and the companies that employ them; writes E&S business in all 50 states.
“We can insure bounty hunters and bail agents all across the country!”		all 50 statesSurplus linesprimeis.com · read 2026-10-28
XINSURANCE
Wholesaler		Liability program for the bail industry: bail agents, bail bondsmen, bail enforcement agents, bounty hunters, fugitive recovery agents and bail bond companies; product offered by an unlicensed surplus lines insurer.
“Having insurance is crucial for bounty hunters, bail agents, and others in the industry.”		not statedSurplus linesxinsurance.com · read 2026-10-28

Only 2 verified. Web search was unavailable this turn, so dedicated bail-agent E&O program administrators could not be located; USLI, Kinsale, Mechanic Group, Brownyard, Lockton Affinity and Markel pages fetched do not name bail bonds. Prime and XINSURANCE are affiliated (XINSURANCE is powered by Evolution Insurance Brokers).

How Bail bonds gets placed

Standard markets first where any will look at it; when they won't, the placement goes through surplus lines, where a licensed surplus lines broker places it with an eligible non-admitted insurer and files the state's surplus lines tax and stamping forms. In California, risks on the Department of Insurance export list can go to surplus lines without the usual diligent search of admitted carriers. Surplus lines policies aren't backed by a state guaranty fund, so the insurer's financial rating matters more.

What an underwriter will want before quoting: a full description of the operation, years in business and the owners' experience, revenue or payroll, loss runs (five years where available, currently valued), the contracts or venue requirements that set the limits, and photos or safety plans where the hazard is physical.

I'm licensed in 49 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida, where my licenses are still being issued, a partner agency in your state helps in the meantime.

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