Surety bonds and fidelity bonds
Help protect the interests of your growing business.
A surety bond is a binding contract between three parties: the principal (you or your business), the surety (State Farm), and the obligee (the customer/entity requiring the bond). 担保书向债权人保证被担保人按照担保的条款行事.
作为营业执照或合同要求的一部分，您可能有义务提供保证金. Being bonded may also help you attract new business. 潜在客户可能会因为知道他们将受到保护而感到安慰.
Why you may need a surety bond
向客户提供服务的企业或专业人士通常需要提供保证金. 这些担保是为了确保企业或专业人员按照许可法律和其他法规开展工作.
- As a business owner, 你可能需要一份保证金来保证支付州销售税或水电费.
- If you’re the administrator or executor of an estate, 为确保你依法忠实履行信义义务，你可能需要提供保证书.
- Notary publics are required to post bonds in most states.
我们提供的担保债券种类远远超过我们在这里列出的. So, we’ll only highlight the more common ones:
这些债券可能需要你的业务在一个特定的城市得到适当的许可, county, or state. 许可证和许可证保证金是为了确保你的企业所做的工作符合特定的州和市法律.
Types of license and permit bonds you may need:
- Electrician's license bond
- Plumber's license bond
- HVAC contractor’s license bond
- General contractor's license bond
- Driveway permit bond
- Sign permit bond
Public officials, particularly ones responsible for handling public funds, 通常被要求提供保证书以保证他们在任职期间会忠实诚实地履行职责.
Positions requiring public official bonding can include:
- Notaries
- Treasurers
- Tax Collectors
- Sheriffs
- Judges
If you are appointed an administrator, executor, guardian, conservator or trustee, 在履行你的职责之前，你可能会被要求获得遗嘱认证. 遗嘱认证保证指定受托人或受托人诚实核算和忠实履行职责.
Common types of probate bonds include:
- Administrator bonds
- Executor bonds
- Guardian bonds
- Conservator bonds
- Trustee bonds
履约债券在建筑和房地产开发中很常见. 业主或投资者通常要求开发商确保承包商或项目经理获得履约保证金，以保证他们将履行合同义务.
Common types of contract performance bonds include:
- Bid bonds 向项目业主提供保证，如果被选中，投标人将签订合同完成工作.
- Performance bonds 保证合同将按照其条款和条件完成.
- Payment bonds 保证劳动者、分包商和材料供应商得到报酬.
- Tax bonds
- Utility bonds
- Lost security/lost instrument bonds
- Union wage and welfare bonds
What is a fidelity bond?
富达债券是一种pp王者电子官网政策，为企业提供保护，防止员工欺诈或不诚实行为造成的金钱和证券损失.
Common types of fidelity bonds include:
- ERISA bonds 是作为《pg电子官方网页版》的一部分而设立的吗. 它们是保护退休计划免受欺诈或不诚实造成损失的pp王者电子官网政策.
- Business services bonds 保护您的客户免受您或您的员工在客户场所工作时的不诚实或盗窃行为的侵害.
- Condo and homeowners association bonds offer protection against dishonesty by employees, directors and officers, or others who have access to association funds.
- Employee dishonesty bonds 为企业提供pp王者电子官网，防止受保员工的不诚实行为.
- Non-profit organization bonds 提供保护，防止有机会获得组织资金的员工的不诚实行为.
富达债券还为您提供了覆盖特定员工或职位(时间表债券)或所有员工(一揽子债券)的灵活性。.
Talk to a local State Farm agent
这只是对现有商业pp王者电子官网种类的pp王者电子官网范围的一般说明，并不是合同的说明. Details of coverage, limits, 或者服务可能不适用于所有业务，在某些州有所不同. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements. 联系州立农场代理获取更多信息和定制报价.
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人寿pp王者电子官网和年金由州立农场人寿pp王者电子官网公司发行. (Not Licensed in MA, NY, 州农场人寿和意外pp王者电子官网公司(在纽约和威斯康辛州有执照)总部, Bloomington, Illinois.
- State Farm Mutual Automobile Insurance Company
- State Farm Indemnity Company
- Bloomington, IL
- State Farm County Mutual Insurance Company of Texas
- Richardson, TX
- State Farm Fire and Casualty Company
- State Farm General Insurance Company
- Bloomington, IL
- State Farm Fire and Casualty Company
- Winter Haven, FL
- State Farm Lloyds
- Richardson, TX
- State Farm人寿pp王者电子官网公司(未在MA, NY或WI获得许可)
- State Farm人寿及意外pp王者电子官网公司(在纽约州及威州持牌)
- Bloomington, IL