Current Table

Surety Bonds, 2013-2022
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($000)

Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2013 $4,868,847 3.7% 72.7 -4.0 pts.
2014 5,000,382 2.7% 69.5 -3.3
2015 5,139,873 2.8% 73.8 4.3
2016 5,138,543 0.0% 72.0 -1.8
2017 5,390,826 4.9% 72.3 0.3
2018 6,357,877 17.9% 70.3 -2.0
2019 6,556,404 3.1% 71.0 0.7
2020 6,691,226 2.1% 78.1 7.1
2021 7,131,689 6.6% 69.5 -8.6
2022 8,219,191 15.2% 64.3 -5.2

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded numbers.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

 

Archived Tables

SURETY BONDS, 1999-2008
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($000)

Year Net premiums written (1)  Annual percent change Combined ratio (2) Annual point change (3)
1999 $3,273,926 7.2% 83.6 NA
2000 3,362,627 2.7 86.7 3.1 pts.
2001 3,039,761 -9.6 121.6 34.9
2002 3,260,415 7.3 110.3 -11.3
2003 3,382,615 3.7 119.9 9.6
2004 3,817,245 12.8 119.4 -0.5
2005 3,819,542 0.1 101.6 -17.9
2006 4,434,780 16.1 80.6 -21.0
2007 4,792,526 8.1 71.3 -9.3
2008 4,959,742 3.5 66.0 -5.3

(1) After reinsurance transactions, excluding state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.

NA=Data not available.

Source: National Association of Insurance Commissioners (NAIC) Annual Statement Database, via Highline Data, LLC. Copyrighted information. No portion of this work may be copied or redistributed without the express written permission of Highline Data, LLC.

 
SURETY BONDS, 2000-2009
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($000)

Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2000 $3,328,126 1.7% 87.0 3.3 pts.
2001 3,044,064 -8.5 124.1 37.1
2002 3,280,927 7.8 116.9 -7.2
2003 3,384,636 3.2 122.1 5.2
2004 3,821,170 12.9 119.8 -2.3
2005 3,866,026 1.2 101.5 -18.3
2006 4,435,122 14.7 81.7 -19.8
2007 4,807,994 8.4 72.3 -9.3
2008 4,960,255 3.2 66.9 -5.4
2009 4,834,939 -2.5 79.5 12.5

(1) After reinsurance transactions, excluding state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.

Source: SNL Financial LC.

 
SURETY BONDS, 2001-2010
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($000)

Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2001 $3,044,064 -8.5% 124.1 37.1 pts.
2002 3,280,927 7.8 116.9 -7.2
2003 3,384,636 3.2 122.1 5.2
2004 3,821,170 12.9 119.8 -2.3
2005 3,866,026 1.2 101.5 -18.3
2006 4,435,122 14.7 81.7 -19.8
2007 4,807,994 8.4 72.3 -9.3
2008 4,960,255 3.2 66.9 -5.4
2009 4,837,598 -2.5 79.5 12.5
2010 4,853,548 0.3 70.6 -8.8

(1) After reinsurance transactions, excluding state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.

Source: SNL Financial LC.

 
SURETY BONDS, 2002-2011
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($000)

Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2002 $3,280,927 7.8% 116.9 -7.2 pts.
2003 3,384,636 3.2 122.1 5.2
2004 3,821,170 12.9 119.8 -2.3
2005 3,866,026 1.2 101.5 -18.3
2006 4,435,122 14.7 81.7 -19.8
2007 4,807,994 8.4 72.3 -9.3
2008 4,960,255 3.2 66.9 -5.4
2009 4,837,598 -2.5 79.5 12.5
2010 4,853,562 0.3 70.6 -8.8
2011 4,849,483 -0.1 72.6 2.0

(1) After reinsurance transactions, excluding state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.

Source: SNL Financial LC.

 
SURETY BONDS, 2002-2011
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($000)

Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2002 $3,280,927 7.8% 116.9 -7.2 pts.
2003 3,384,636 3.2 122.1 5.2
2004 3,821,170 12.9 119.8 -2.3
2005 3,866,026 1.2 101.5 -18.3
2006 4,435,122 14.7 81.7 -19.8
2007 4,807,994 8.4 72.3 -9.3
2008 4,960,255 3.2 66.9 -5.4
2009 4,837,598 -2.5 79.5 12.5
2010 4,853,562 0.3 70.6 -8.8
2011 4,849,483 -0.1 72.6 2.0

(1) After reinsurance transactions, excluding state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.

Source: SNL Financial LC.

 
SURETY BONDS, 2003-2012
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($000)

Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2003 $3,376,967 3.5% 121.1 10.0 pts.
2004 3,802,893 12.6 120.6 -0.5
2005 3,817,496 0.4 102.1 -18.5
2006 4,434,780 16.2 81.5 -20.6
2007 4,779,117 7.8 72.2 -9.3
2008 4,960,250 3.8 67.0 -5.2
2009 4,835,409 -2.5 79.5 12.6
2010 4,851,328 0.3 70.7 -8.8
2011 4,849,480 (4) 72.9 2.2
2012 4,685,907 -3.4 76.8 3.9

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.
(4) Less than 0.1 percent.

Source: SNL Financial LC.

 
SURETY BONDS, 2004-2013
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($000)

Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2004 $3,802,893 12.6% 120.6 -0.5 pts.
2005 3,817,496 0.4 102.1 -18.5
2006 4,434,780 16.2 81.5 -20.6
2007 4,779,117 7.8 72.2 -9.3
2008 4,960,250 3.8 67.0 -5.2
2009 4,835,409 -2.5 79.5 12.6
2010 4,851,328 0.3 70.7 -8.8
2011 4,849,480 (4) 72.9 2.2
2012 4,695,782 -3.2 76.8 3.9
2013 4,868,847 3.7 72.7 -4.0

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.
(4) Less than 0.1 percent.

Source: SNL Financial LC.

 
SURETY BONDS, 2005-2014
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($000)

Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2005 $3,817,496 0.4% 102.1 -18.5 pts.
2006 4,434,780 16.2 81.5 -20.6
2007 4,779,117 7.8 72.2 -9.3
2008 4,960,250 3.8 67.0 -5.2
2009 4,835,409 -2.5 79.5 12.6
2010 4,851,328 0.3 70.7 -8.8
2011 4,849,480 (4) 72.9 2.2
2012 4,695,782 -3.2 76.8 3.9
2013 4,868,847 3.7 72.7 -4.0
2014 5,000,382 2.7 70.6 -2.1

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.
(4) Less than 0.1 percent.

Source: SNL Financial LC.

 
Surety Bonds, 2006-2015
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($000)

Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2006 $4,434,780 16.2% 81.5 -20.6 pts.
2007 4,779,117 7.8 72.2 -9.3
2008 4,960,250 3.8 67.0 -5.2
2009 4,835,409 -2.5 79.5 12.6
2010 4,851,328 0.3 70.7 -8.8
2011 4,849,480 (4) 72.9 2.2
2012 4,695,782 -3.2 76.8 3.9
2013 4,868,847 3.7 72.7 -4.0
2014 5,000,382 2.7 70.6 -2.1
2015 5,139,866 2.8 73.8 3.2

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded numbers.
(4) Less than 0.1 percent.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

 
Surety Bonds, 2007-2016
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($000)

Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2007 $4,779,117 7.8% 70.1 -11.4 pts.
2008 4,960,250 3.8 67.0 -3.2
2009 4,835,409 -2.5 79.5 12.6
2010 4,851,328 0.3 70.7 -8.8
2011 4,849,480 (4) 72.9 2.2
2012 4,695,782 -3.2 76.8 3.9
2013 4,868,847 3.7 72.7 -4.0
2014 5,000,382 2.7 70.6 -2.1
2015 5,139,873 2.8 73.8 3.2
2016 5,138,425 (4) 72.0 -1.8

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded numbers.
(4) Less than 0.1 percent.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

 
Surety Bonds, 2008-2017
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($000)

Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2008 $4,960,250 3.8% 67.0 -3.2 pts.
2009 4,835,409 -2.5 79.5 12.6
2010 4,851,328 0.3 70.7 -8.8
2011 4,849,480 (4) 72.9 2.2
2012 4,695,782 -3.2 76.8 3.9
2013 4,868,847 3.7 72.7 -4.0
2014 5,000,382 2.7 69.5 -3.3
2015 5,139,873 2.8 73.8 4.3
2016 5,138,543 (4) 72.0 -1.8
2017 5,368,773 4.5 72.1 0.2

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.
(4) Less than 0.1 percent.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

 
Surety Bonds, 2009-2018
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($000)

Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2009 $4,835,409 -2.5% 79.5 12.6 pts.
2010 4,851,328 0.3 70.7 -8.8
2011 4,849,480 (4) 72.9 2.2
2012 4,695,782 -3.2 76.8 3.9
2013 4,868,847 3.7 72.7 -4.0
2014 5,000,382 2.7 69.5 -3.3
2015 5,139,873 2.8 73.8 4.3
2016 5,138,543 (4) 72.0 -1.8
2017 5,368,773 4.5 72.1 0.2
2018 6,384,998 18.9 70.5 -1.7

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded numbers.
(4) Less than 0.1 percent.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

 
Surety Bonds, 2010-2019
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($000)

Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2010 $4,851,328 0.3% 70.7 -8.8 pts.
2011 4,849,480 (4) 72.9 2.2
2012 4,695,782 -3.2 76.8 3.9
2013 4,868,847 3.7 72.7 -4.0
2014 5,000,382 2.7 69.5 -3.3
2015 5,139,873 2.8 73.8 4.3
2016 5,138,543 (4) 72.0 -1.8
2017 5,390,826 4.9 72.3 0.3
2018 6,357,877 17.9 70.3 -2.0
2019 6,560,014 3.2 71.0 0.7

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded numbers.
(4) Less than 0.1 percent.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

 
Surety Bonds, 2011-2020
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($000)

Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2011 $4,851,328 (4) 72.9 2.2 pts.
2012 4,849,480 -3.2% 76.8 3.9
2013 4,695,782 3.7 72.7 -4.0
2014 4,868,847 2.7 69.5 -3.3
2015 5,000,382 2.8 73.8 4.3
2016 5,139,873 (4) 72.0 -1.8
2017 5,138,543 4.9 72.3 0.3
2018 5,390,826 17.9 70.3 -2.0
2019 6,357,877 3.2 71.0 0.7
2020 6,560,014 2.0 78.1 7.0

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded numbers.
(4) Less than 0.1 percent.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

 
Surety Bonds, 2012-2021
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($000)

Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2012 $4,695,782 -3.2% 76.8 3.9 pts.
2013 4,868,847 3.7 72.7 -4.0
2014 5,000,382 2.7 69.5 -3.3
2015 5,139,873 2.8 73.8 4.3
2016 5,138,543 0.0 72.0 -1.8
2017 5,390,826 4.9 72.3 0.3
2018 6,357,877 17.9 70.3 -2.0
2019 6,556,404 3.1 71.0 0.7
2020 6,691,226 2.1 78.1 7.1
2021 6,954,694 3.9 69.2 -8.8

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded numbers.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.