FIA Surety Insurance Company Review 2023

FIA Surety Insurance offers many coverage options, excellent ratings, and highly accessible customer service.

Trusted Choice's FIA Surety Insurance Score:

5 Stars

5 Stars awards FIA Surety Insurance Company a final rating of 5 out of 5 stars. The insurance company has been around for more than 40 years now, which is noteworthy within the industry. The carrier has also been awarded excellent ratings by both AM Best and Demotech and has demonstrated continuous solid financial strength over the years.

FIA Surety provides a wide selection of bonds, including contractor and court bonds, as well as a number of surety solutions. The carrier has an outstanding online presence and is highly accessible to customers. Overall, we highly recommend looking into FIA Surety to be your next trusted carrier with the help of your independent insurance agent.

FIA Surety Pros and Cons:

Pros: Cons:
Well-established carrier with more than 40 years of experience in the insurance industry
Not BBB accredited or rated
Offers a wide selection of bonds and surety solutions
Coverage not available nationwide
Strong rating by Demotech
Strong rating by AM Best

What Type of Insurance Does FIA Surety Offer?

FIA Surety is a specialized insurance company, with a focus on surety solutions. They offer the following insurance products and services:

  • Site improvement/subdivision bonds:
    • Residential site improvement bonds
    • Commercial site improvement bonds
    • Down payment bonds
  • Contractor bonds:
    • Bid bonds
    • Performance and payment
    • Maintenance bonds
  • Commercial/non-construction contractor bonds:
    • Pupil transportation
    • Janitorial
    • Garbage collection and/or hauling
    • Security services
  • Court bonds:
    • Appeal bonds
    • Administrator bonds
    • Attachment bonds
    • Conservator/temporary conservator bonds
    • Estate and probate bonds - guardian bonds
    • Guardian Bonds
    • Lost securities
    • Probate bonds
    • Property management bonds
    • Receiver bonds
    • Release of lien bonds
    • Replevin bonds
    • Temporary restraining order bonds
  • Environmental bonds:
    • Asbestos abatement
    • Lead abatement
    • Site remediation
    • Underground storage tank removal
  • Miscellaneous surety bonds:
    • Municipal license and permit bonds
    • State license and permit bonds
    • Auto dealer bonds
    • Union (wage and welfare)
    • Contracting license and permit

Your independent insurance agent can help you find more information about the coverage offered by FIA Surety, and help you decide if this insurance company is right for you.

Using our insurance company directory can help you find the best insurance companies that specialize in your specific coverage needs. The company directory can also help you get connected to an agent near you.

What to Know about FIA Surety

First Indemnity of America Insurance Company, Inc., or FIA Surety, was founded in 1979, giving the carrier more than 40 years of experience in the insurance industry. FIA offers custom-built surety solutions and exceptional customer service to small, mid-sized, and emerging businesses. FIA Surety provides insurance for the consumer and will compensate them on behalf of the contractor if contracted work cannot be completed.

Coverage is offered by FIA Surety in 14 states across the country: Alabama, Delaware, Florida, Georgia, Maryland, New Jersey, North Carolina, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, and West Virginia. The carrier is headquartered in Morris Plains, NJ. The insurance company's LinkedIn profile states that FIA Surety has between 51 and 200 employees. 

Thanks to its long history and large assortment of coverages and services offered, the carrier has developed a reputation as an outstanding choice for customers in need. FIA Surety currently has an "excellent" or "A-" rating for financial strength from AM Best, the leading credit organization monitoring the insurance industry.

What Discounts Does FIA Surety Offer?

FIA Surety does not make information about their specific discounts available on their website. An independent insurance agent can provide more exact discount information and premium quotes for coverage through FIA Surety. When it comes to coverage, independent insurance agents work hard to ensure you get the most bang for your buck.


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FIA Surety Customer Service

FIA Surety provides the following customer service options:

  • Email
  • Snail mail
  • Phone
  • Fax
  • Contact form on website

Customer service department lists the following hours:

Hours (EST)

Monday-Friday 9 am - 5 pm

Saturday Closed

Sunday Closed

The best way to make sure you have a great customer service experience is to work with an independent insurance agent. These agents can help handle claims and other concerns for you, so you can unwind and enjoy your coverage.

FIA Surety Customer Reviews

FIA Surety's Official Website
5 Stars

"There’s a simple reason why I have been doing business with First Indemnity for the past 20 years: They deliver! For as long as I have been working with them, First Indemnity has been responsive to submissions, flexible in their underwriting approach and creative in finding bond solutions to assist your accounts. They’ve made my life as agent much easier and relieved much day to day stress. I look forward to working with the organization and the fine staff for many more years to come! P.S. Could have probably written a few pages actually."

FIA Surety's Official Website
5 Stars

"I have been doing business with First Indemnity of America Insurance Company for over 30 years. Pat Lynch and his team have always taken an 'outside the box' approach to surety underwriting. Where other bonding companies approve or decline submissions by the book, FIA always tries to find a way to say yes. They are my 'Go To' market and friends!"

FIA Surety's Official Website
5 Stars

"Steve Golia was my bond provider for many years. I followed him through a number of carriers over a 25+ year period. His service was always superior and he provided strategic help to get my firm through a couple of tough spots. Together we survived and thrived! If you need a bond I highly recommend Steve. Experience and expertise do make a difference!"

FIA Surety's Official Website
5 Stars

""It's always a pleasure doing business with FIA. They are the best with responding to critical situations, are problem solvers and work great with our agency to accommodate our needs for our clients. They offer creative solutions and have flexible underwriting. Pat Sr. and Pat Jr. are hands-on and we only wish that our other underwriters were as knowledgeable and as creative.

​Thank you to Pat Sr, Pat Jr, and their staff at FIA!! Top-notch guys!!"

FIA Surety's Official Website
5 Stars

"I’ve enjoyed working with FIA for over 30 years.  Such an awesome group of people.  Pat, Michele and Cristina are always a pleasure to deal with. The entire team is very accommodating and flexible in their underwriting of my clients’ bonding needs and I can always count on a speedy response.  

Thank you FIA, for your many years of service and for making my job a little easier."

FIA Surety FAQ

FIA Surety offers claims reporting through a couple of mediums. However, the insurance company does not provide an official claims response time frame promise on their website or social media pages. An independent insurance agent can file claims for you and keep you updated with ETAs throughout the process.

FIA Surety allows customers to file claims over the phone during regular business hours, or 24/7 by email. Customers can also use the website's contact form or get in touch via snail mail. The carrier’s social media presence extends across Facebook and LinkedIn, which makes them highly accessible to customers.

FIA Surety offers multiple options for claims reporting. However, the insurance company does not detail its claims process on the official website or social media platforms. If customers have questions about filing or the claims process itself, they can contact the carrier via phone, online form, email, snail mail, or get in touch with their independent insurance agent.

FIA Surety’s official website was recently updated and is incredibly easy to navigate. Pertinent information can be located right away by existing or prospective customers alike. The carrier is available to be contacted by customers via several mediums and has a social media presence. Overall, FIA Surety creates an excellent user-friendly experience for customers.

Yes, FIA Surety provides a large selection of bonds for contractors and workers in the construction industry, including for those who work in these fields:

  • General construction
  • Heating, ventilating, and air conditioning
  • Plumbing
  • Electrical
  • Masonry
  • Paving
  • Painting
  • Waterproofing
  • Window Replacement
  • Roofing

An independent insurance agent can help you determine if FIA Surety provides the solutions you're looking for.

FIA Surety provides many kinds of bonds and surety solutions and services. With their outstanding ratings from multiple companies, it can certainly be said that FIA Surety is a good company.

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