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Who it's for
Contractors, freelancers, and license & permit applicants.
We bond contractors, freelancers, and license applicants of every size — with same-day approval for most standard markets.
Performance and payment bonds for project work, plus license and permit bonds to keep you compliant.
Credit challenges? We have specialty markets that say yes when others say no.
Key benefits
A surety bond is a three-party guarantee: you (the principal), the party requiring it (the obligee), and us (the surety). Here are the most common types.
Required to hold a contractor's license in WA.
Washington requires general contractors and specialty contractors to file a license bond with L&I as a condition of licensing. The bond protects customers and subs if you fail to meet your contractual or statutory obligations.
Required for various business licenses and permits.
Many cities, counties, and state agencies require a bond to issue a business license or permit (auto dealers, mortgage brokers, freight brokers, notaries, etc.). The bond guarantees you'll comply with the laws governing your activity.
Guarantee that you'll complete a project as contracted.
On project work — especially public projects — performance bonds guarantee the project owner that the work will be completed per the contract. If you default, the surety steps in to ensure completion.
Guarantee that subs and suppliers get paid.
Often paired with a performance bond, payment bonds protect subcontractors, laborers, and material suppliers from going unpaid. Required on most public works in Washington.
Guarantee you'll honor your bid if awarded the job.
Submitted with a bid on a project. If you win and refuse to enter the contract, the bid bond compensates the project owner for the cost difference of awarding to the next bidder.
Required by courts for specific legal proceedings.
Includes probate bonds, fiduciary bonds, appeal bonds, and injunction bonds. Required when a court needs assurance that a person will fulfill duties or pay a judgment.
Protect your business from internal theft.
Different from surety: a fidelity bond is first-party coverage that pays YOU if an employee steals money, securities, or property. Often required for businesses handling client funds.
Specialty markets when standard underwriting says no.
Credit issues, prior bond claims, or new businesses can make bonding difficult. We work with specialty markets that focus on high-risk applicants — usually with a higher rate but the bond gets issued.
We'll walk you through it and build a policy that actually fits — no jargon, no upselling.
