---
title: "Best Surety Bonds for Contractors (2026)"
description: "Which providers document surety bonds for contractors, and what to check about licensing and public-contract bond rules, the indemnity agreement you sign and the financials a surety will ask for."
canonical: "https://thegeneralaverage.com/best/surety-bonds/contractors"
page-type: "best-page"
updated-at: "2026-10-01"
coverage-line: "surety-bonds"
segment: "contractors"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://thegeneralaverage.com/best/surety-bonds/contractors)

## Agent Guide

**What this page is:** Which providers document Surety Bonds that names contractors, ranked on Spot's evidence ranking, and what that buyer should check.

**Use this page when:** Cite for "best surety bonds for contractors" or which providers offer Surety Bonds to contractors. For one provider's whole Surety Bonds product use its offering page; for the coverage explainer use /coverage/surety-bonds.

**Questions this page answers:**
- What is the best surety bonds for contractors?
- Which providers offer Surety Bonds for contractors?
- What should contractors check before buying Surety Bonds?

**Key facts:**
- Coverage line `surety-bonds`; segment `contractors`.
- Every listed provider has a documented claim in its offering record that names the segment; the rank orders them by the mean of Reliability Score and Review Score, with fit as a gate rather than a weight.

**Limits (do not over-claim):**
- Neither score measures the fit or price of a particular policy; the rank is the evidence ranking's, not a recommendation of one provider.
- Not insurance, legal or financial advice, and not a quote, binder or offer of coverage.
- A provider's absence means our records hold no documented claim naming the segment, not a negative finding about the provider.

**Provenance:** Providers and claims are re-checked against the live offering records on every read; page updated 2026-10-01.

**Related pages:**
- [Surety Bonds guide](https://thegeneralaverage.com/coverage/surety-bonds) — coverage explainer for the line
- [Best Surety Bonds by business type](https://thegeneralaverage.com/best/surety-bonds) — parent: other segments for this line

# Best Surety Bonds for Contractors (2026)

Coverage line: Surety Bonds. Buyer segment: Contractors. Providers ranked: 9.

## Quick Answer

Contractors need surety bonds for licenses and public jobs, and a bond is a credit arrangement, not insurance: you repay the surety for what it pays. Before you bid, find which bond the license or contract requires, expect a surety to review your financials and ask you and your owners to sign an indemnity agreement. [1](https://lni.wa.gov/licensing-permits/contractors/register-as-a-contractor/ "Register as a Contractor") [3](https://www.acquisition.gov/far/28.102-1 "FAR 28.102-1 General") [10](https://www.nasbp.org/wp-content/uploads/2024/11/NASBP_What_Are_SB_Final.pdf "What Are Surety Bonds?")

9 providers document Surety Bonds for contractors. Newfront, Aon and Coverdash rank highest on Spot’s evidence ranking.

## Surety Bonds Providers for Contractors, Ranked

| Rank | Provider | Fit | Reliability Score | Review Score |
| --- | --- | --- | --- | --- |
| 1 | [Newfront](https://thegeneralaverage.com/insurance-providers/newfront/surety-bonds) | Named for Contractors | 5.0 / 10 | 10.0 / 10 (1 rated source) |
| 2 | [Aon](https://thegeneralaverage.com/insurance-providers/aon/surety-bonds) | Named for Contractors | 6.7 / 10 | 6.1 / 10 (3 rated sources) |
| 3 | [Coverdash](https://thegeneralaverage.com/insurance-providers/coverdash/surety-bonds) | Named for Contractors | 5.1 / 10 | 7.2 / 10 (2 rated sources) |
| 4 | [USI Insurance Services](https://thegeneralaverage.com/insurance-providers/usi/surety-bonds) | Named for Contractors | 5.3 / 10 | 6.4 / 10 (1 rated source) |
| 5 | [Embroker](https://thegeneralaverage.com/insurance-providers/embroker/surety-bonds) | Named for Contractors | 5.1 / 10 | 5.6 / 10 (3 rated sources) |
| 6 | [Berkshire Hathaway Specialty Insurance](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/surety-bonds) | Named for Contractors | 7.0 / 10 | No review score |
| 7 | [Harper](https://thegeneralaverage.com/insurance-providers/harper/surety-bonds) | Named for Contractors | 5.9 / 10 | No review score |
| 8 | [The Baldwin Group](https://thegeneralaverage.com/insurance-providers/baldwin/surety-bonds) | Named for Contractors | Not rated | No review score |
| 9 | [Zurich U.S.](https://thegeneralaverage.com/insurance-providers/zurich/surety-bonds) | Named for Contractors | Not rated | No review score |

### 1. Newfront

Reliability Score basis: Broker Reliability Score · Assessed 2026-09-22 · Newfront Insurance Services and the contracting US brokerage entity identified in current Newfront materials, with business-insurance….

- Newfront markets contract surety to construction contractors and commercial surety to businesses needing compliance and financial-guarantee bonds; the reviewed page frames eligibility by need for capacity and indemnity structure rather than a stated minimum company size. [14](https://www.newfront.com/surety "Surety") (Evidence: Company-reported; scope: Surety page's Contract Bonds and Commercial Bonds sections.)

Full page: [Newfront Surety Bonds](https://thegeneralaverage.com/insurance-providers/newfront/surety-bonds).

### 2. Aon

Reliability Score basis: Broker Reliability Score · Assessed 2026-09-29 · Aon group commercial insurance brokerage, assessed at brand level from Aon's published terms, its 2025 SEC filing, and U.S., U.K. and Irish….

- Aon describes its global construction and infrastructure practice as serving contractors, owners, developers, engineers, architects, designers, financiers and investors, and says it works with organizations of varied sizes and complexity. [15](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") (Evidence: Company-reported; scope: Audience described for Aon’s global construction and infrastructure practice. It does not establish U.S. state availability or underwriting eligibility for a placement.)

Full page: [Aon Surety Bonds](https://thegeneralaverage.com/insurance-providers/aon/surety-bonds).

### 3. Coverdash

Reliability Score basis: Broker Reliability Score · Assessed 2026-09-22 · Coverdash Insurance Services, LLC as the licensed broker/agent and Coverdash, Inc. as the technology/brand entity. The cited materials do….

- Coverdash markets surety bonds to contractors, licensed trades and businesses bidding on public or private contracts that need a bond to qualify, win work or stay compliant. [16](https://www.coverdash.com/coverage/surety-bond "Surety Bonds") (Evidence: Company-reported; scope: Product-page eligibility description; actual acceptance depends on underwriting.)

Full page: [Coverdash Surety Bonds](https://thegeneralaverage.com/insurance-providers/coverdash/surety-bonds).

### 4. USI Insurance Services

Reliability Score basis: Broker Reliability Score · Assessed 2026-09-22 · USI Insurance Services LLC and its U.S. brokerage and risk-consulting operation for property-casualty, technology, executive….

- USI says its surety practice has a long history serving general contractors, trade contractors, highway/heavy construction projects, construction managers, developers and design-builders in the public and private sectors, and that its surety network also has experience outside construction. [17](https://www.usi.com/property-casualty/surety-bond/ "Surety Bond-Contract, Commercial and International Surety Bonds") (Evidence: Company-reported; scope: Company description of client base.)

Full page: [USI Insurance Services Surety Bonds](https://thegeneralaverage.com/insurance-providers/usi/surety-bonds).

### 5. Embroker

Reliability Score basis: Broker Reliability Score · Assessed 2026-09-22 · Embroker, Inc. and Embroker Insurance Services LLC as a U.S. digital insurance platform and producer; product-specific insurers include….

- Embroker frames surety bonds as most commonly needed in construction, required at the state, county or city level before a contractor can work on a project, but says they matter in other industries too. [18](https://www.embroker.com/coverage/surety-bonds/ "Construction Bonds: Surety Bond Types & Cost") (Evidence: Company-reported; scope: Product-page 'Who are Surety Bonds for?' and 'What Is a Construction Bond?' sections; not a guarantee of bond issuance for a particular applicant.)

Full page: [Embroker Surety Bonds](https://thegeneralaverage.com/insurance-providers/embroker/surety-bonds).

### 6. Berkshire Hathaway Specialty Insurance

Reliability Score basis: Carrier & MGA Reliability Score · Assessed 2026-09-29 · Berkshire Hathaway Specialty Insurance Company (BHSIC, NAIC 22276) as a U.S. admitted insurer, using Nebraska and New York regulator….

- BHSI names regional, national and global contractors and construction suppliers or service firms among its target accounts. [19](https://www.bhspecialty.com/us-products/us-surety/ "Surety") (Evidence: Company-reported; scope: A target description does not establish approval, bonding capacity or qualification for a particular contract.)

Full page: [Berkshire Hathaway Specialty Insurance Surety Bonds](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/surety-bonds).

### 7. Harper

Reliability Score basis: Broker Reliability Score · Assessed 2026-09-29 · Limited to the licensed agency Harper Global Enterprises Inc., doing business as Harper Global Insurance Agency, acting as a commercial….

- Harper says bonds are required across many industries and use cases, naming auto dealers, contractors and notaries as examples of businesses that need them for licenses, permits or contracts. [20](https://www.harperinsure.com/coverages/surety-bonds "Surety Bonds Insurance") (Evidence: Company-reported; scope: Surety bonds page introduction; not an exhaustive list of every bonded occupation.)

Full page: [Harper Surety Bonds](https://thegeneralaverage.com/insurance-providers/harper/surety-bonds).

### 8. The Baldwin Group

- Baldwin serves construction and commercial businesses, naming contractors, specialty trades, infrastructure contractors, auto dealers, freight brokers, private equity, homebuilders, real estate, manufacturers and oil and gas among its audiences. [21](https://baldwin.com/business-insurance/solutions/surety/ "Surety Bond Insurance for Construction & Commercial Sectors") (Evidence: Company-reported; scope: This is the audience or client context named on Baldwin’s page, not an underwriting decision or guarantee of product availability.)

Full page: [The Baldwin Group Surety Bonds](https://thegeneralaverage.com/insurance-providers/baldwin/surety-bonds).

### 9. Zurich U.S.

- Zurich describes contract surety for contractors from small firms to ENR 400 and commercial surety for Fortune 2000/regional companies and qualified transactional buyers. [22](https://www.zurichna.com/insurance/surety "Surety Bond Company: Construction & Corporate | Zurich") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial and contract surety; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms.)

Full page: [Zurich U.S. Surety Bonds](https://thegeneralaverage.com/insurance-providers/zurich/surety-bonds).

## How We Ranked Surety Bonds Providers for Contractors

Spot lists a provider only when its published Surety Bonds information includes a documented claim (verified or company-reported) about eligibility, role, coverage or application that mentions contractors. “Named for Contractors” marks a provider’s own statement of who it serves; “Related mention” marks a role, coverage or application claim.

Providers with both a Reliability Score and a Review Score rank first, then providers with one of the two, then providers with neither. Within each group the order is the equal-weight average of the scores the provider has, as in the industry guides; ties break on fit, then the number of documented claims, then name.

The Reliability Score comes from Spot’s reliability assessments and the Review Score from the provider’s rated review sources. Neither measures whether a policy fits your business or what it costs.

Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://thegeneralaverage.com/editorial-policy).

## What Do Contractors Need From Surety Bonds?

A license can require a bond. Washington's labor department says a construction contractor must file a continuous surety bond of $30,000 for general contractors or $15,000 for specialty contractors, or an assigned bank account, and that a lapsed bond suspends registration. California's licensing board says a $25,000 contractor's bond must be in place before it issues, reactivates or renews an active license, and that it is filed for the benefit of consumers harmed by defective construction or license violations and for unpaid employees. [1](https://lni.wa.gov/licensing-permits/contractors/register-as-a-contractor/ "Register as a Contractor") [2](https://www.cslb.ca.gov/contractors/maintain_license/bond_information/bond_requirements.aspx "Bond Requirements")

Public jobs set their own bond thresholds. Federal rules require performance and payment bonds for construction contracts above $150,000, due before you receive a notice to proceed, with each normally written for 100 percent of the contract price. For federal contracts from $35,000 to $150,000, the contracting officer selects two or more payment protections, and a payment bond is one option. States have their own thresholds: Washington requires a bond on public works but lets contractors on contracts of $150,000 or less opt for 10 percent retainage, and California requires a payment bond on public works contracts over $25,000, with a separate rule for state entities. [3](https://www.acquisition.gov/far/28.102-1 "FAR 28.102-1 General") [4](https://www.acquisition.gov/far/28.102-2 "FAR 28.102-2 Amount required") [6](https://app.leg.wa.gov/rcw/default.aspx?cite=39.08.010 "RCW 39.08.010 Bond required: conditions; retention of contract amount in lieu of bond") [8](https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=CIV&sectionNum=9550 "California Civil Code section 9550")

A bid can need a bond too. On federal construction work a contracting officer cannot require a bid guarantee unless a performance bond or a performance and payment bond is also required, and the agency chief may waive a bid guarantee. The National Association of Surety Bond Producers (NASBP) says a bid bond mainly lets the owner recover the cost of re-bidding if the winner fails to sign or provide the required bonds, and does not guarantee any portion of the construction. [5](https://www.acquisition.gov/far/28.101-1 "FAR 28.101-1 Policy on use") [10](https://www.nasbp.org/wp-content/uploads/2024/11/NASBP_What_Are_SB_Final.pdf "What Are Surety Bonds?")

## Which Surety Bond Exposures Do Contractors Face?

You repay the surety. NASBP says a surety bond is a three-party arrangement designed to prevent a loss, in which the surety is secondarily liable if you default, and that the surety has a signed general agreement of indemnity obligating the named indemnitors to protect it from any loss. It says the surety almost always requires the principal, the individuals who own or control the company, their spouses and often affiliated companies to sign before it issues bonds. NASBP says a contract bond protects the owner, and indirectly certain subcontractors and suppliers; it does not protect you. [10](https://www.nasbp.org/wp-content/uploads/2024/11/NASBP_What_Are_SB_Final.pdf "What Are Surety Bonds?") [11](https://www.nasbp.org/wp-content/uploads/2024/11/32Q_NASBP_8-18_newadd.pdf "Answers to 32 Questions Public and Private Owners Ask About Contract Bonding")

Your financials set what you can bid. NASBP says a surety views its underwriting as a form of credit and that obtaining bonds is more like obtaining bank credit than purchasing insurance. For federal bonds, Treasury's Circular 570 lists acceptable sureties with underwriting limitations; a surety may write a bond above its limit only if it protects the excess by reinsurance, coinsurance or other methods. [10](https://www.nasbp.org/wp-content/uploads/2024/11/NASBP_What_Are_SB_Final.pdf "What Are Surety Bonds?") [11](https://www.nasbp.org/wp-content/uploads/2024/11/32Q_NASBP_8-18_newadd.pdf "Answers to 32 Questions Public and Private Owners Ask About Contract Bonding") [12](https://fiscal.treasury.gov/about-us/doing-business-with-fiscal-service/surety-bonds/circular-570 "Department Circular 570 (2026 revision)")

Unpaid subs and suppliers come after the payment bond. On a federal job, a first-tier claimant unpaid 90 days after its last work may sue on the payment bond, within one year; a second-tier claimant must give the prime contractor written notice within 90 days. In Washington, claimants must file written notice within 30 days after completion and acceptance. NASBP says claimants cannot place mechanics' liens against public property, so the payment bond may be their only protection. Because you indemnify the surety, a claim on your bond becomes your debt. [7](https://app.leg.wa.gov/rcw/default.aspx?cite=39.08.030 "RCW 39.08.030 Conditions of bond: notice of claim; action on bond") [9](https://www.law.cornell.edu/uscode/text/40/3133 "40 U.S. Code section 3133 Rights of persons furnishing labor or material") [10](https://www.nasbp.org/wp-content/uploads/2024/11/NASBP_What_Are_SB_Final.pdf "What Are Surety Bonds?")

## What Should Contractors Check Before Buying Surety Bonds?

Start from the solicitation or license rule, not the surety. Get the required bond type, the penal amount and the bond form from the owner or licensing board before you ask for a quote, and confirm the dates: federal bonds are due before the notice to proceed, and a license bond must be in place before a license issues or renews. [2](https://www.cslb.ca.gov/contractors/maintain_license/bond_information/bond_requirements.aspx "Bond Requirements") [3](https://www.acquisition.gov/far/28.102-1 "FAR 28.102-1 General")

Prepare the file a surety will review. NASBP lists the past three fiscal year-end financial statements, a current interim statement with aged receivables and payables, bank loan agreements, personal financial statements of closely held company owners and a current work-in-progress report. Have them ready before the owner's deadline. [11](https://www.nasbp.org/wp-content/uploads/2024/11/32Q_NASBP_8-18_newadd.pdf "Answers to 32 Questions Public and Private Owners Ask About Contract Bonding")

Read the indemnity agreement before you sign, ideally with your own counsel. Ask who signs, whether spouses and affiliated companies are included, and what the surety can recover. NASBP also says the bond premium is typically paid by the project owner in the first pay request on a contract bond; ask whether your price carries it. [10](https://www.nasbp.org/wp-content/uploads/2024/11/NASBP_What_Are_SB_Final.pdf "What Are Surety Bonds?") [11](https://www.nasbp.org/wp-content/uploads/2024/11/32Q_NASBP_8-18_newadd.pdf "Answers to 32 Questions Public and Private Owners Ask About Contract Bonding")

Check the surety and ask about the SBA guarantee if you are declined. For a federal bond, check the surety against Circular 570, which also says a surety must be licensed in the state in which it provides a bond; California requires its contractor's bond to come from a surety licensed through the state insurance department. The SBA says it guarantees bid, performance and payment bonds for small businesses that might not meet other sureties' criteria, on contracts up to $9 million for non-federal and $14 million for federal work, with a 0.6% fee on performance and payment bond guarantees, but it does not guarantee commercial bonds. [2](https://www.cslb.ca.gov/contractors/maintain_license/bond_information/bond_requirements.aspx "Bond Requirements") [12](https://fiscal.treasury.gov/about-us/doing-business-with-fiscal-service/surety-bonds/circular-570 "Department Circular 570 (2026 revision)") [13](https://www.sba.gov/funding-programs/surety-bonds "Surety bonds")

## What Do Contractors Ask About Surety Bonds?

### Do Contractors Need Surety Bonds?

Often, for a license or a public contract. Washington and California require license bonds, and federal construction contracts above $150,000 require performance and payment bonds. Private owners and lenders can also ask for them; the contract says. [1](https://lni.wa.gov/licensing-permits/contractors/register-as-a-contractor/ "Register as a Contractor") [2](https://www.cslb.ca.gov/contractors/maintain_license/bond_information/bond_requirements.aspx "Bond Requirements") [3](https://www.acquisition.gov/far/28.102-1 "FAR 28.102-1 General")

### Is a Surety Bond Insurance for Contractors?

No. NASBP describes a surety bond as a three-party agreement designed to prevent a loss, with the surety secondarily liable if you default and an indemnity agreement that lets it recover from you. A contract bond protects the owner, and indirectly certain subcontractors and suppliers, not you. [10](https://www.nasbp.org/wp-content/uploads/2024/11/NASBP_What_Are_SB_Final.pdf "What Are Surety Bonds?")

### Who Signs the Indemnity Agreement for Contractors?

NASBP says a surety almost always requires the principal, the individuals who own or control the company, their spouses and often affiliated companies to sign the general agreement of indemnity before it issues bonds. [10](https://www.nasbp.org/wp-content/uploads/2024/11/NASBP_What_Are_SB_Final.pdf "What Are Surety Bonds?")

### How Much Do Contract Bonds Cost Contractors?

NASBP, the bond producers' association, says a performance bond is a one-time premium between 0.5 percent and 3 percent of the contract amount and that bid bonds typically have no fee. Ask each surety for its rate on your account; the SBA's guarantee adds a 0.6% fee on performance and payment bonds. [10](https://www.nasbp.org/wp-content/uploads/2024/11/NASBP_What_Are_SB_Final.pdf "What Are Surety Bonds?") [13](https://www.sba.gov/funding-programs/surety-bonds "Surety bonds")

## Related Reading

- [Best Builders Risk Insurance for Contractors](https://thegeneralaverage.com/best/builders-risk/contractors)
- [Best Business Owner’s Policy for Contractors](https://thegeneralaverage.com/best/business-owners-policy/contractors)
- [Best General Liability Insurance for Contractors](https://thegeneralaverage.com/best/general-liability/contractors)
- [Best Inland Marine Insurance for Contractors](https://thegeneralaverage.com/best/inland-marine/contractors)
- [Best Umbrella and Excess Liability Insurance for Contractors](https://thegeneralaverage.com/best/umbrella-excess/contractors)
- [Best Workers’ Compensation Insurance for Contractors](https://thegeneralaverage.com/best/workers-compensation/contractors)
- [Construction Insurance Guide](https://thegeneralaverage.com/industries/construction)
- [Coverage Guide: Surety Bonds](https://thegeneralaverage.com/coverage/surety-bonds)
- [All Best Surety Bonds Pages](https://thegeneralaverage.com/best/surety-bonds)

## Sources

1. [Register as a Contractor](https://lni.wa.gov/licensing-permits/contractors/register-as-a-contractor/). Washington State Department of Labor & Industries; Step 2: Purchase your surety bond and insurance; FAQ on alternatives to a bond; suspension. Accessed 2026-10-01.
2. [Bond Requirements](https://www.cslb.ca.gov/contractors/maintain_license/bond_information/bond_requirements.aspx). California Contractors State License Board; Contractor's Bond. Accessed 2026-10-01.
3. [FAR 28.102-1 General](https://www.acquisition.gov/far/28.102-1). General Services Administration (acquisition.gov); (a)-(c) (FAC 2026-01, effective 03/13/2026). Accessed 2026-10-01.
4. [FAR 28.102-2 Amount required](https://www.acquisition.gov/far/28.102-2). General Services Administration (acquisition.gov); (b)(1) and (b)(2). Accessed 2026-10-01.
5. [FAR 28.101-1 Policy on use](https://www.acquisition.gov/far/28.101-1). General Services Administration (acquisition.gov); (a)-(c). Accessed 2026-10-01.
6. [RCW 39.08.010 Bond required: conditions; retention of contract amount in lieu of bond](https://app.leg.wa.gov/rcw/default.aspx?cite=39.08.010). Washington State Legislature; (1)(a); (3). Accessed 2026-10-01.
7. [RCW 39.08.030 Conditions of bond: notice of claim; action on bond](https://app.leg.wa.gov/rcw/default.aspx?cite=39.08.030). Washington State Legislature; (1)(a) notice within 30 days after completion and acceptance. Accessed 2026-10-01.
8. [California Civil Code section 9550](https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=CIV&sectionNum=9550). California Legislative Information; (a) payment bond for public works over $25,000; (e) state entity carve-out. Accessed 2026-10-01.
9. [40 U.S. Code section 3133 Rights of persons furnishing labor or material](https://www.law.cornell.edu/uscode/text/40/3133). Cornell Legal Information Institute (U.S. Code); (b)(1) civil action after 90 days; (b)(4) period in which action must be brought. Accessed 2026-10-01.
10. [What Are Surety Bonds?](https://www.nasbp.org/wp-content/uploads/2024/11/NASBP_What_Are_SB_Final.pdf) National Association of Surety Bond Producers; Q&As on traditional insurance, the four types of contract bonds, the general agreement of indemnity, when bonds are required and pricing (association's statements). Accessed 2026-10-01.
11. [Answers to 32 Questions Public and Private Owners Ask About Contract Bonding](https://www.nasbp.org/wp-content/uploads/2024/11/32Q_NASBP_8-18_newadd.pdf). National Association of Surety Bond Producers; Documentation from the contractor; prequalification; general agreement of indemnity; bonding capacity (association's statements). Accessed 2026-10-01.
12. [Department Circular 570 (2026 revision)](https://fiscal.treasury.gov/about-us/doing-business-with-fiscal-service/surety-bonds/circular-570). U.S. Department of the Treasury, Bureau of the Fiscal Service; Preamble; Notes (a)-(c): certificates, underwriting limitations, state licensing. Accessed 2026-10-01.
13. [Surety bonds](https://www.sba.gov/funding-programs/surety-bonds). U.S. Small Business Administration; Contract or commercial bonds; Bond Guarantee Fee; Eligibility. Accessed 2026-10-01.
14. [Surety](https://www.newfront.com/surety). Newfront. Accessed 2026-09-23.
15. [Construction and Infrastructure Insurance and Risk Management](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management). Aon. Accessed 2026-09-30.
16. [Surety Bonds](https://www.coverdash.com/coverage/surety-bond). Coverdash. Accessed 2026-09-23.
17. [Surety Bond-Contract, Commercial and International Surety Bonds](https://www.usi.com/property-casualty/surety-bond/). USI Insurance Services. Accessed 2026-09-23.
18. [Construction Bonds: Surety Bond Types & Cost](https://www.embroker.com/coverage/surety-bonds/). Embroker. Accessed 2026-09-23.
19. [Surety](https://www.bhspecialty.com/us-products/us-surety/). Berkshire Hathaway Specialty Insurance. Accessed 2026-09-28.
20. [Surety Bonds Insurance](https://www.harperinsure.com/coverages/surety-bonds). Harper. Accessed 2026-09-23.
21. [Surety Bond Insurance for Construction & Commercial Sectors](https://baldwin.com/business-insurance/solutions/surety/). The Baldwin Group. Accessed 2026-09-30.
22. [Surety Bond Company: Construction & Corporate | Zurich](https://www.zurichna.com/insurance/surety). Zurich U.S. Accessed 2026-09-28.

## How to Cite This Page

Best Surety Bonds for Contractors (2026). The General Average, updated 2026-10-01. https://thegeneralaverage.com/best/surety-bonds/contractors. Quote a provider’s claim with its numbered source.

Updated 2026-10-01.

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