按風險類型、建設產業、保固承保標準、合約類型和地區分類的保固市場規模、佔有率和成長分析 - 2026-2033 年行業預測

預計到 2024 年，全球保固市場規模將達到 192.3 億美元，到 2025 年將達到 202.1 億美元，到 2033 年將達到 300.9 億美元，在預測期（2026-2033 年）內，複合年成長率為 5.1%。

受基礎設施計劃激增和建設產業風險規避需求日益成長的推動，擔保市場正經歷強勁成長。隨著計劃日益複雜且需要大量資本投入，計劃竣工和承包商履約的財務擔保變得愈發重要。履約保證在確保履行合約義務和應對違約時的財務責任方面發揮關鍵作用。這一趨勢促使越來越多的計劃業主和政府機構要求承包商提供履約保證，尤其是在建築、房地產和能源行業。此外，政府和企業客戶日益嚴格的合約合規標準也提高了人們對擔保解決方案的認知度和接受度，進一步推動了市場發展，尤其是在尋求財務保障的中小型企業中。

全球保固市場促進因素

受全球基礎設施建設（包括公共工程、住宅和能源計劃）蓬勃發展的推動，全球擔保市場正經歷顯著成長。擔保債券在這個市場環境中發揮關鍵作用，為客戶提供保障，確保承包商能夠成功完成計劃並遵守合約條款。這項特點凸顯了擔保債券的風險緩解作用，使其成為確保計劃信譽並增強各相關人員信心的重要工具。尤其值得注意的是，人們對這些金融工具的依賴日益加深，有助於新興經濟體和成熟經濟體市場的擴張。

全球保固市場面臨的限制因素

全球擔保市場面臨一個重大限制：許多中小企業不了解擔保債券的益處和義務。這種認知不足，加上承包商缺乏相關教育和資訊管道，阻礙了擔保債券在發展中地區的普及。因此，這種認知不足阻礙了擔保債券在各行業的推廣，並限制了計劃相關風險的有效管理。此外，擔保債券發行機構優先考慮信用記錄良好的公司，這進一步限制了無法滿足這些嚴格標準的中小企業獲得擔保債券的機會。

全球保固市場趨勢

隨著保險公司採用先進技術和分析方法來最佳化承保流程，全球擔保市場正經歷顯著的數位化和數據驅動風險評估趨勢。透過利用即時專案資料、預測模型和數位化文檔，擔保提供者實現了更有效率的保函簽發和更最佳化的理賠管理。這種技術變革不僅提高了營運效率，還有助於做出更明智的決策，並建立更符合計劃的創新定價模式。因此，產業相關人員可以期待對市場變化做出更迅速的應對力，並獲得更貼合計劃實際情況的精準風險評估。

目錄

介紹

• 調查目標
• 調查範圍
• 定義

調查方法

• 資訊收集
• 二手資料和一手資料方法
• 市場規模預測
• 市場假設與限制

執行摘要

• 全球市場展望
• 供需趨勢分析
• 細分市場機會分析

市場動態與展望

• 市場規模
• 市場動態
  • 促進因素和機遇
  • 限制與挑戰
• 波特分析

關鍵市場考察

• 關鍵成功因素
• 競爭程度
• 關鍵投資機會
• 市場生態系統
• 市場吸引力指數（2025）
• PESTEL 分析
• 總體經濟指標
• 價值鏈分析
• 定價分析

全球擔保市場規模（依風險敞口類型及複合年成長率分類）（2026-2033 年）

• 合約擔保
• 商業擔保
• 忠誠度保證
• 司法保障
• 其他保固

全球保固市場規模（依建設產業分類）及複合年成長率（2026-2033 年）

• 商業建築
• 住宅
• 重型建築
• 基礎設施建設
• 其他建設產業

全球保險市場規模（按承保標準和複合年成長率分類）（2026-2033 年）

• 主債務人的財務實力
• 主債務人的業績和歷史記錄
• 計劃或合約的價值
• 合約條款
• 其他風險因素

全球保固市場規模（依合約類型分類）及複合年成長率（2026-2033 年）

• 合約履約保證
• 付款保證
• 競標保證
• 其他合約類型

全球保固市場規模（按地區分類）及複合年成長率（2026-2033 年）

• 北美洲
  • 美國
  • 加拿大
• 歐洲
  • 德國
  • 西班牙
  • 法國
  • 英國
  • 義大利
  • 其他歐洲地區
• 亞太地區
  • 中國
  • 印度
  • 日本
  • 韓國
  • 亞太其他地區
• 拉丁美洲
  • 巴西
  • 其他拉丁美洲地區
• 中東和非洲
  • 海灣合作理事會國家
  • 南非
  • 其他中東和非洲地區

競爭資訊

• 前五大公司對比
• 主要企業的市場定位（2025 年）
• 主要市場參與者所採取的策略
• 近期市場趨勢
• 公司市佔率分析（2025 年）
• 主要企業公司簡介
  • 公司詳情
  • 產品系列分析
  • 依業務板塊進行公司股票分析
  • 2023-2025年營收年比比較

主要企業簡介

• Travelers Bond（USA）
• Liberty Mutual Group（USA）
• Zurich Insurance Group Ltd.（Switzerland）
• CNA Surety Group（USA）
• Chubb Limited（Switzerland）
• The Hartford Financial Services Group, Inc.（USA）
• Arch Capital Group Ltd.（Bermuda）
• Great American Insurance Company（USA）
• Tokio Marine Holdings, Inc.（Japan）
• Markel Group Inc.（USA）
• Sompo Holdings, Inc.（Japan）
• Old Republic International Corporation（USA）
• RLI Corp.（USA）
• Berkshire Hathaway Specialty Insurance Company（USA）
• Merchants Bonding Company（USA）
• Crum & Forster（USA）
• Intact Financial Corporation（Canada）
• Everest Group, Ltd.（Bermuda）
• Allianz Trade（France）
• IAT Insurance Group（USA）

結論與建議

Global Surety Market size was valued at USD 19.23 Billion in 2024 and is poised to grow from USD 20.21 Billion in 2025 to USD 30.09 Billion by 2033, growing at a CAGR of 5.1% during the forecast period (2026-2033).

The surety market is experiencing positive growth, driven by a surge in infrastructure projects and a heightened need for risk mitigation within the construction sector. As projects become more complex and demand significant capital investment, financial guarantees for project completion and contractor performance are increasingly vital. Surety bonds play a crucial role in ensuring adherence to contractual obligations and addressing financial liabilities in cases of default. This trend has led project owners and government entities to more frequently mandate surety bonds for contractors, particularly in construction, real estate, and energy sectors. Additionally, heightened standards for contractual compliance among government and corporate clients are fostering greater awareness and adoption of surety solutions, further bolstering market momentum, especially among small to mid-sized enterprises seeking financial protection.

Top-down and bottom-up approaches were used to estimate and validate the size of the Global Surety market and to estimate the size of various other dependent submarkets. The research methodology used to estimate the market size includes the following details: The key players in the market were identified through secondary research, and their market shares in the respective regions were determined through primary and secondary research. This entire procedure includes the study of the annual and financial reports of the top market players and extensive interviews for key insights from industry leaders such as CEOs, VPs, directors, and marketing executives. All percentage shares split, and breakdowns were determined using secondary sources and verified through Primary sources. All possible parameters that affect the markets covered in this research study have been accounted for, viewed in extensive detail, verified through primary research, and analyzed to get the final quantitative and qualitative data.

Global Surety Market Segments Analysis

Global Surety Market is segmented by Exposure Type, Construction Industry, Surety Underwriting Criteria, Contract Type and region. Based on Exposure Type, the market is segmented into Contract Surety, Commercial Surety, Fidelity Surety, Judicial Surety and Other Surety. Based on Construction Industry, the market is segmented into Commercial Construction, Residential Construction, Heavy Construction, Infrastructure Construction and Other Construction. Based on Surety Underwriting Criteria, the market is segmented into Financial Strength of the Principal, Experience and Track Record of the Principal, Value of the Project or Contract, Terms and Conditions of the Contract and Other Risk Factors. Based on Contract Type, the market is segmented into Performance Bonds, Payment Bonds, Bid Bonds and Other Contract Bonds. Based on region, the market is segmented into North America, Europe, Asia Pacific, Latin America and Middle East & Africa.

Driver of the Global Surety Market

The Global Surety market has experienced significant growth, driven by an upsurge in infrastructure development worldwide, including public works, housing, and energy projects. Surety bonds play a crucial role in this landscape, providing assurance to clients about a contractor's ability to successfully complete projects and adhere to contract terms. This function highlights the risk mitigation benefits of surety bonds, making them essential tools for ensuring project reliability and instilling confidence in various stakeholders. The increasing reliance on these financial instruments is particularly noteworthy as it contributes to the market expansion in both emerging and mature economies.

Restraints in the Global Surety Market

The global surety market faces significant constraints due to a considerable portion of small and medium-sized enterprises (SMEs) being unaware of the benefits and obligations associated with surety bonds. This lack of awareness, coupled with insufficient education and access to information regarding the bonds available to contractors, hampers their adoption in developing regions. Consequently, this ignorance poses barriers to expansion across various sectors and restricts the effective management of project-related risks. Additionally, surety bond issuers prioritize businesses with robust credit histories, further complicating accessibility for SMEs that may not meet these stringent criteria.

Market Trends of the Global Surety Market

The global surety market is experiencing a significant trend towards digitalization and data-driven risk assessment, as insurers increasingly adopt advanced technology and analytics to refine underwriting processes. By leveraging live project data, predictive modeling, and digital documentation, surety providers are streamlining bond issuance and optimizing claims management. This technological shift not only enhances operational efficiency but also enables more informed decision-making and innovative pricing models tailored to the specific risk profiles of projects. As a result, stakeholders within the industry can expect improved responsiveness to market changes and a more precise alignment of risk evaluation with project realities.

Table of Contents

Introduction

• Objectives of the Study
• Scope of the Report
• Definitions

Research Methodology

• Information Procurement
• Secondary & Primary Data Methods
• Market Size Estimation
• Market Assumptions & Limitations

Executive Summary

• Global Market Outlook
• Supply & Demand Trend Analysis
• Segmental Opportunity Analysis

Market Dynamics & Outlook

• Market Overview
• Market Size
• Market Dynamics
  • Drivers & Opportunities
  • Restraints & Challenges
• Porters Analysis
  • Competitive rivalry
  • Threat of substitute
  • Bargaining power of buyers
  • Threat of new entrants
  • Bargaining power of suppliers

Key Market Insights

• Key Success Factors
• Degree of Competition
• Top Investment Pockets
• Market Ecosystem
• Market Attractiveness Index, 2025
• PESTEL Analysis
• Macro-Economic Indicators
• Value Chain Analysis
• Pricing Analysis

Global Surety Market Size by Exposure Type & CAGR (2026-2033)

• Market Overview
• Contract Surety
• Commercial Surety
• Fidelity Surety
• Judicial Surety
• Other Surety

Global Surety Market Size by Construction Industry & CAGR (2026-2033)

• Market Overview
• Commercial Construction
• Residential Construction
• Heavy Construction
• Infrastructure Construction
• Other Construction

Global Surety Market Size by Surety Underwriting Criteria & CAGR (2026-2033)

• Market Overview
• Financial Strength of the Principal
• Experience and Track Record of the Principal
• Value of the Project or Contract
• Terms and Conditions of the Contract
• Other Risk Factors

Global Surety Market Size by Contract Type & CAGR (2026-2033)

• Market Overview
• Performance Bonds
• Payment Bonds
• Bid Bonds
• Other Contract Bonds

Global Surety Market Size & CAGR (2026-2033)

• North America (Exposure Type, Construction Industry, Surety Underwriting Criteria, Contract Type)
  • US
  • Canada
• Europe (Exposure Type, Construction Industry, Surety Underwriting Criteria, Contract Type)
  • Germany
  • Spain
  • France
  • UK
  • Italy
  • Rest of Europe
• Asia Pacific (Exposure Type, Construction Industry, Surety Underwriting Criteria, Contract Type)
  • China
  • India
  • Japan
  • South Korea
  • Rest of Asia-Pacific
• Latin America (Exposure Type, Construction Industry, Surety Underwriting Criteria, Contract Type)
  • Brazil
  • Rest of Latin America
• Middle East & Africa (Exposure Type, Construction Industry, Surety Underwriting Criteria, Contract Type)
  • GCC Countries
  • South Africa
  • Rest of Middle East & Africa

Competitive Intelligence

• Top 5 Player Comparison
• Market Positioning of Key Players, 2025
• Strategies Adopted by Key Market Players
• Recent Developments in the Market
• Company Market Share Analysis, 2025
• Company Profiles of All Key Players
  • Company Details
  • Product Portfolio Analysis
  • Company's Segmental Share Analysis
  • Revenue Y-O-Y Comparison (2023-2025)

Key Company Profiles

• Travelers Bond (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Liberty Mutual Group (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Zurich Insurance Group Ltd. (Switzerland)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• CNA Surety Group (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Chubb Limited (Switzerland)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• The Hartford Financial Services Group, Inc. (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Arch Capital Group Ltd. (Bermuda)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Great American Insurance Company (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Tokio Marine Holdings, Inc. (Japan)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Markel Group Inc. (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Sompo Holdings, Inc. (Japan)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Old Republic International Corporation (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• RLI Corp. (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Berkshire Hathaway Specialty Insurance Company (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Merchants Bonding Company (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Crum & Forster (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Intact Financial Corporation (Canada)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Everest Group, Ltd. (Bermuda)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Allianz Trade (France)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• IAT Insurance Group (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments

Conclusion & Recommendations