Contract surety
Why bid bonds get rejected — and how to avoid it
A bid bond is rarely declined on its own merits — it's declined because the underwriting behind the final bond isn't there yet. Here's how to get ahead of it.
Read →Insights
From the desk
Practical notes on surety bond requirements, common mistakes, and what underwriters actually look for.
Underwriting
What underwriters actually look for in a WIP schedule
Your work-in-progress schedule is the single most important document in contract surety. Here's what a surety reads in it — and what raises flags.
Read →Express program
The Express program: surety bonds on credit alone, up to $3M
For credit-qualified contractors (up to $3,000,000) and developers (up to $1.5M–$2M), you may not need a full financial package at all. Here's how credit-based Express bonding works, who qualifies, and how to apply in two minutes.
Read →Contract surety
How much do performance and payment bonds cost?
Performance and payment bonds typically cost 0.75%–3% of the contract amount as a first-term premium — the rate slides down as the contract gets larger and your credit and financials get stronger.
Read →Underwriting
Why surety bond applications get declined — and how to fix yours
Most surety declines trace to four fixable issues: weak working capital, missing or unreviewed financials, poor job-cost reporting, and personal credit. Here's how to fix each one.
Read →Subdivision
Subdivision bond vs. letter of credit: which should a developer use?
A subdivision bond frees up the bank credit line that a letter of credit ties up — for most developers, that cash-flow difference is the deciding factor.
Read →Ready to get your bond?
Tell us what you need and we'll confirm the exact form and requirements, then get it issued cleanly. Same-day turnaround on most bid bonds.
Start Your Bond Request
One form, every bond type — or chat with us and we'll confirm requirements right away.
All bond types — contract, subdivision & commercial
Request a Bond→One form for every bond request — we'll confirm requirements and route it right away.
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