frequently asked questions
Understanding Surety Bonds
What does a surety bond represent?
A surety bond is a legally binding contract among three parties:
- the principal (the person or business who needs the bond)
- the obligee (the entity requiring the bond),
- and the surety (the company that guarantees the obligation).
It ensures that the principal will fulfill their obligations; if not, the surety covers any losses.
What are the 3 C's of surety?
The 3 C's of surety are Character, Capacity, and Capital:
- Character: The principal's reputation and history of fulfilling obligations.
- Capacity: The ability and experience to complete the required task.
- Capital: Financial strength and resources to support the obligation.
What are the risks of a surety bond?
Risks include financial loss for the surety if a claim is paid, reputational damage for the principal if a bond is forfeited, and delays or penalties for the obligee if a bonded party fails to perform.
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Every Surety Bond—All 50 States & Territories
We offer a wide range of surety bond solutions tailored for businesses that don’t fit the standard mold. Whether you’re in construction, transportation, licensing, or a specialized field, we make it easier to get the bond you need — even if you’ve been turned down elsewhere.
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(Judicial, Litigation)
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