Surety and Fidelity Bonds

Surety Bond vs. Insurance

In traditional insurance, the risk is transferred to the insurance company. In surety bonding, the risk remains with the principal. The protection of the bond is not for the principal, but for the obligee. With insurance, the insurance company considers that a certain percentage of the premium for the policy will be paid out in losses. In true suretyship, the premiums paid are "service fees" charged for the use of the surety company's financial backing and guarantee. In surety bonding, sureties view their underwriting as a form of credit so the emphasis is on prequalification and selection. Not everyone is eligible for bonding, these days it is getting harder and harder to obtain a bond.

Although the terms "surety bond" and "fidelity bond" are often used interchangeably, the circumstances when each is used are quite different. A surety bond is used to guarantee compensation when someone fails to perform as promised, such as a contractor failing to complete a construction project. A fidelity bond is used to cover business losses due to fraud or dishonesty, such as employee theft, robbery or burglary. The requirements for both bonds are based on the applicant's financial condition and good character.

A Surety Bond is a three-party agreement whereby the surety guarantees to the obligee (the project owner) that the principal (the contractor) is capable of performing the contract in accordance with the contract documents. Performance of the contract, which is the subject of the bond, determines the rights and obligations of the surety and the obligee.


Adjusters surety bonds

License bonds (misc)

Appraisers surety bonds

Liquor License & Permit bonds

Auctioneers surety bonds

Lost Trust Deed surety bonds

Auction Company surety bonds

Mortgage Bankers surety bonds

Auto Dealers surety bonds

Mortgage Brokers surety bonds

Auto Registration Service

Motorcycle Dealers bonds

Auto Title bond

Notary Public surety bonds

Billboards surety bonds

Notary Public E&O Insurance

Screen Actors Guild bonds

Payday Loan surety bonds

Care Facility surety bonds

Permit Bonds (misc) 

Certificate of Title surety bonds

Pet Sitting Fidelity bonds

Contract surety bonds

Pharmaceutical bonds

Contractors Bid surety bonds

Photocopiers surety bonds

Contractors License bonds

Plumbing Contractors bonds

Contract Payment  bonds

Private Investigator bonds

Contract Performance bonds

Private School surety bonds

Deferred Deposit surety bonds

Private Sewage Disposal

Delayed Deposit surety bonds

Prof. Photocopier Bond

Dry Cleaners bonds

Process Server Bond

Employee Dishonesty bonds 

Public Adjusters surety bonds

Employment Agency bonds

Public Officials Fidelity bonds 

ERISA Pension Trust fidelity

Roofing Contractors bonds

Escrow Agents surety bonds

Sales Tax surety bonds

Escrow Company fidelity

School Bus Drivers bonds 

Farm Products Brokers bonds

Secondary School surety bonds

Fidelity Dishonesty bonds

Tax Preparer bond

Games of Chance surety bonds

Tax Preparers E&O Insurance

Immigration Consultants 

Transportation Broker

Immigration Assistant

Truckers Highway surety bonds

Insurance Adjusters bonds

Truckers Permit surety bonds

Insurance Agents surety bonds

Unlawful Detainer Assistant

Insurance Producers bonds

Utility Deposit surety bonds

Insurance Broker bond

Vehicle Registration bond

Inventory Service fidelity bonds

Wholesale Auto Dealers bonds

Janitorial Fidelity bonds

Wholesale ATV Dealers bonds

Legal Document Assistant

Wholesale Motorcycle Dealers  

*NOTE: Complete, print, sign, date & fax the Downloadable Application Form
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