Underwriting
How surety bonding capacity is actually calculated
Your bonding capacity comes down to two numbers a surety sets from your balance sheet. Here is how they are calculated and what actually moves them.
Read →Insights
From the desk
Practical notes on surety bond requirements, common mistakes, and what underwriters actually look for.
Subdivision
How to get a subdivision bond reduced — and finally released
Most developers carry a subdivision bond at full penal sum long after the work is done — and pay premium on the whole amount every year. Here is how reductions actually work, and what gets them denied.
Read →Contract surety
Why bid bonds get declined — and what the surety is actually approving
A bid bond is rarely declined on its own merits. The surety is really approving the performance bond you would need if you win — here is what that changes.
Read →Underwriting
The WIP schedule, column by column: what each number tells your surety
A WIP schedule tells your surety whether your jobs will finish where you said. Here is what each column means and what underwriters compute from it.
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?
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All bond types — contract, subdivision & commercial
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