Surety bonds and fidelity bonds

Help protect the interests of your growing business.

What is a surety bond?

A surety bond is a binding contract between three parties: the principal (you or your business), the surety (State Farm), and the obligee (the customer/entity requiring the bond). 担保书向债权人保证被担保人按照担保的条款行事.

作为营业执照或合同要求的一部分,您可能有义务提供保证金. Being bonded may also help you attract new business. 潜在客户可能会因为知道他们将受到保护而感到安慰.

Why you may need a surety bond

向客户提供服务的企业或专业人士通常需要提供保证金. 这些担保是为了确保企业或专业人员按照许可法律和其他法规开展工作.

  • As a business owner, 你可能需要一份保证金来保证支付州销售税或水电费.
  • If you’re the administrator or executor of an estate, 为确保你依法忠实履行信义义务,你可能需要提供保证书.
  • Notary publics are required to post bonds in most states.
What are the different types of surety bond?

我们提供的担保债券种类远远超过我们在这里列出的. So, we’ll only highlight the more common ones:

这些债券可能需要你的业务在一个特定的城市得到适当的许可, county, or state. 许可证和许可证保证金是为了确保你的企业所做的工作符合特定的州和市法律.

Types of license and permit bonds you may need:

  • Electrician's license bond
  • Plumber's license bond
  • HVAC contractor’s license bond
  • General contractor's license bond
  • Driveway permit bond
  • Sign permit bond

Public officials, particularly ones responsible for handling public funds, 通常被要求提供保证书以保证他们在任职期间会忠实诚实地履行职责.

Positions requiring public official bonding can include:

  • Notaries
  • Treasurers
  • Tax Collectors
  • Sheriffs
  • Judges

If you are appointed an administrator, executor, guardian, conservator or trustee, 在履行你的职责之前,你可能会被要求获得遗嘱认证. 遗嘱认证保证指定受托人或受托人诚实核算和忠实履行职责.

Common types of probate bonds include:

  • Administrator bonds
  • Executor bonds
  • Guardian bonds
  • Conservator bonds
  • Trustee bonds

履约债券在建筑和房地产开发中很常见. 业主或投资者通常要求开发商确保承包商或项目经理获得履约保证金,以保证他们将履行合同义务.

Common types of contract performance bonds include:

  • Bid bonds 向项目业主提供保证,如果被选中,投标人将签订合同完成工作.
  • Performance bonds 保证合同将按照其条款和条件完成.
  • Payment bonds 保证劳动者、分包商和材料供应商得到报酬.

  • Tax bonds
  • Utility bonds
  • Lost security/lost instrument bonds
  • Union wage and welfare bonds

What is a fidelity bond?


Common types of fidelity bonds include:

  • ERISA bonds 是作为《pg电子官方网页版》的一部分而设立的吗. 它们是保护退休计划免受欺诈或不诚实造成损失的pp王者电子官网政策.
  • Business services bonds 保护您的客户免受您或您的员工在客户场所工作时的不诚实或盗窃行为的侵害.
  • Condo and homeowners association bonds offer protection against dishonesty by employees, directors and officers, or others who have access to association funds.
  • Employee dishonesty bonds 为企业提供pp王者电子官网,防止受保员工的不诚实行为.
  • Non-profit organization bonds 提供保护,防止有机会获得组织资金的员工的不诚实行为.
Blanket vs. schedule fidelity bonds


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