Bonds

Contract Bonds

What Is a Contract Bond?

Contract bonds ensure that projects are completed as promised. Common in the construction industry, these bonds guarantee that contractors meet their obligations, protecting project owners from delays or financial loss. Often referred to as construction bonds, they provide the security needed to keep projects on track.

Bonds Quote Forms

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Types of Contract Bonds

Contractors often need different types of bonds to meet project requirements and industry regulations. The most common are bid, performance, and payment bonds, but some projects may also require supply, maintenance, subdivision, or site improvement bonds.

Contractor License Bond (CLB)

Before obtaining a contractor’s license, individuals must secure this bond to ensure compliance with industry regulations.

Bid bonds protect project owners by ensuring contractors are qualified to take on a job. If a contractor backs out after winning a bid, the project owner can recover the difference between the original bid and the next highest offer.

Payment bonds guarantee that subcontractors, suppliers, and laborers receive payment—even if the lead contractor defaults or files for bankruptcy.

Performance bonds ensure that contractors complete projects according to contract terms, providing financial protection against incomplete or substandard work.

Maintenance bonds safeguard against defects in materials or workmanship after project completion, covering necessary repairs if issues arise.

Supply bonds guarantee that suppliers deliver materials, equipment, and other necessary items as outlined in purchase agreements.

Encroachment bonds ensure contractors follow all regulations when working on public property and cover any damages caused during construction.

Development Bonds

Site Improvement Bond

This bond guarantees the completion of upgrades or renovations to existing properties, infrastructure, or structures.

Subdivision bonds ensure contractors construct or improve public infrastructure within subdivisions according to local requirements.

How Do Construction Bonds Work?

A construction bond is a three-party agreement between the contractor, the project owner, and the surety provider. If a contractor fails to meet their obligations, the project owner can file a claim to recover financial losses, ensuring the job gets done as promised.