按风险类型、建设产业、保固承保标准、合约类型和地区分類的保固市场规模、份额和成长分析 - 2026-2033 年行业预测

预计到 2024 年，全球保固市场规模将达到 192.3 亿美元，到 2025 年将达到 202.1 亿美元，到 2033 年将达到 300.9 亿美元，在预测期（2026-2033 年）内，复合年增长率为 5.1%。

受基础设施计划激增和建设产业风险规避需求日益增长的推动，担保市场正经历强劲增长。随着计划日益复杂且需要大量资本投入，计划竣工和承包商履约的财务担保变得愈发重要。履约保证在确保履行合约义务和应对违约时的财务责任方面发挥关键作用。这一趋势促使越来越多的计划业主和政府机构要求承包商提供履约保证，尤其是在建筑、房地产和能源行业。此外，政府和企业客户日益严格的合约合规标准也提高了人们对担保解决方案的认知度和接受度，进一步推动了市场发展，尤其是在寻求财务保障的中小型企业中。

全球保固市场驱动因素

受全球基础设施建设（包括公共工程、住宅和能源计划）蓬勃发展的推动，全球担保市场正经历显着成长。担保债券在这个市场环境中发挥关键作用，为客户提供保障，确保承包商能够成功完成计划并遵守合约条款。这项特点凸显了担保债券的风险缓解作用，使其成为确保计划信誉并增强各相关人员信心的重要工具。尤其值得注意的是，人们对这些金融工具的依赖日益加深，有助于新兴经济体和成熟经济体市场的扩张。

全球保固市场面临的限制因素

全球担保市场面临一个重大限制：许多中小企业不了解担保债券的益处和义务。这种认知不足，加上承包商缺乏相关教育和资讯管道，阻碍了担保债券在发展中地区的普及。因此，这种认知不足阻碍了担保债券在各行业的推广，并限制了计划相关风险的有效管理。此外，担保债券发行机构优先考虑信用记录良好的公司，这进一步限制了无法满足这些严格标准的中小企业获得担保债券的机会。

全球保固市场趋势

随着保险公司采用先进技术和分析方法来优化承保流程，全球担保市场正经历显着的数位化和数据驱动风险评估趋势。透过利用即时专案资料、预测模型和数位化文檔，担保提供者实现了更有效率的保函签发和更优化的理赔管理。这种技术变革不仅提高了营运效率，还有助于做出更明智的决策，并建立更符合计划的创新定价模式。因此，产业相关人员可以期待对市场变化做出更迅速的应对力，并获得更贴合计划实际情况的精准风险评估。

目录

介绍

• 调查目标
• 调查范围
• 定义

调查方法

• 资讯收集
• 二手资料和一手资料方法
• 市场规模预测
• 市场假设与限制

执行摘要

• 全球市场展望
• 供需趋势分析
• 细分市场机会分析

市场动态与展望

• 市场规模
• 市场动态
  • 驱动因素和机会
  • 限制与挑战
• 波特分析

关键市场考察

• 关键成功因素
• 竞争程度
• 关键投资机会
• 市场生态系统
• 市场吸引力指数（2025）
• PESTEL 分析
• 总体经济指标
• 价值链分析
• 定价分析

全球担保市场规模（依风险敞口类型及复合年增长率划分）（2026-2033 年）

• 合约担保
• 商业担保
• 忠诚度保证
• 司法保障
• 其他保固

全球保固市场规模（依建设产业划分）及复合年增长率（2026-2033 年）

• 商业建筑
• 住宅
• 重型建筑
• 基础设施建设
• 其他建设产业

全球保险市场规模（按承保标准和复合年增长率划分）（2026-2033 年）

• 主债务人的财务实力
• 主债务人的业绩和历史记录
• 计划或合约的价值
• 合约条款
• 其他风险因素

全球保固市场规模（依合约类型划分）及复合年增长率（2026-2033 年）

• 合约履约保证
• 付款保证
• 竞标保证
• 其他合约类型

全球保固市场规模（按地区划分）及复合年增长率（2026-2033 年）

• 北美洲
  • 美国
  • 加拿大
• 欧洲
  • 德国
  • 西班牙
  • 法国
  • 英国
  • 义大利
  • 其他欧洲地区
• 亚太地区
  • 中国
  • 印度
  • 日本
  • 韩国
  • 亚太其他地区
• 拉丁美洲
  • 巴西
  • 其他拉丁美洲地区
• 中东和非洲
  • 海湾合作委员会国家
  • 南非
  • 其他中东和非洲地区

竞争资讯

• 前五大公司对比
• 主要企业的市场定位（2025 年）
• 主要市场参与者所采取的策略
• 近期市场趋势
• 公司市占率分析（2025 年）
• 主要企业公司简介
  • 公司详情
  • 产品系列分析
  • 依业务板块进行公司股票分析
  • 2023-2025年营收年比比较

主要企业简介

• 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）

结论与建议

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