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Bonds & SuretyRelevant to this niche

What's the minimum working capital a surety wants for a $5M single project bond?

Cited answer

Standard surety underwriting wants working capital of at least 10% of the single bond amount, so $500k for a $5M bond, with aggregate program capacity typically 10x WC. Expect tighter requirements (15–20%) from standard markets if the contractor has limited bonded history. [1] SFAA underwriting standards [2] Your Knowledge Base - Travelers contractor guide.

[1] AIA A312 performance and payment bond forms[2] SFAA bond rate manual[3] Treasury Listing of Approved Sureties (Circular 570)

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The pain we take off your plate.

'Why does this need 10% of the contract?'

Explain bond rates and SFAA tables to a contractor who's never bonded a job before.

T-listing single project vs aggregate

Find the carrier's Treasury limit before you spend two days putting a submission together.

Indemnity agreement nuance

Personal indemnity vs corporate, spousal language, collateral triggers - pulled from the actual GIA, not memory.

What's in the brain.

Stacked across Bonds & Surety - plus your own house knowledge once you upload it.

AIA A312 performance and payment bond forms
SFAA bond rate manual
Treasury Listing of Approved Sureties (Circular 570)
Surety underwriting rules of thumb (10-3-2, working capital, etc.)
License and permit bond requirements by state
Commercial Crime / Fidelity policy forms

Try a question.

What's the minimum working capital a surety wants for a $5M single project bond?

Standard surety underwriting wants working capital of at least 10% of the single bond amount, so $500k for a $5M bond, with aggregate program capacity typically 10x WC. Expect tighter requirements (15–20%) from standard markets if the contractor has limited bonded history. [1] SFAA underwriting standards [2] Your Knowledge Base - Travelers contractor guide.

"Our surety producer used to spend half his day on the phone with underwriters asking the same five questions. Now he asks here first."

- Surety bond producer, Midwest agency

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