Bonds: Surety and Fidelity

When faced with the challenge of obtaining a surety or fidelity bond, you can Count on EMC®. For more than 65 years, EMC’s Bond Department has been a stable and responsive market for independent agents. Our team of bond professionals is available for your bond needs.

The scope of our products combined with the level of service provided through our nine regional offices makes EMC the right choice for your next bond. The EMC Bond Department is licensed in all 50 states and has:

• Bond managers with more than 18 years average tenure
• A business mix of 80% contract surety, 12% fidelity and 8% other surety
• A current U.S. Treasury listing of $143,374,000

Contract Bonds

Contract bonds are bid, performance, payment, maintenance and supply bonds written on behalf of the contractor/supplier. Coverage provides that the contractor/supplier will faithfully perform the terms of the written contract.

Rapid Bonds

This special plan is designed for contractors needing small and infrequent bonds. The requirements are less stringent than those for our standard contract bond program.

Court Bonds

• Judicial bonds: A judicial bond is one required by the court from a litigant for the protection of the opposing litigants or other interested parties. The purpose of the bond is to preserve the rights of the opposing litigant in the granting of the privilege or remedy.
• Fiduciary bonds: Fiduciary bonds are required by the court of a fiduciary, which covers loss resulting from any failure of the fiduciary to faithfully perform the duties and obligations required of him/her by law.

Fidelity Insurance

Fidelity insurance (or employee theft coverage) indemnifies an employer for loss of money, securities or other property caused by an employee theft from the employer. It may be written monoline, as part of a stand-alone crime policy or as part of a package policy. Fidelity insurance can be written for both commercial and governmental entities and can include ERISA (Employee Retirement Income Security Act) coverage.

License and Permit Bonds

These bonds are required by state law, municipal ordinance or by regulations as a condition precedent to the granting of a license to engage in a particular business, or the granting of a permit to exercise a particular privilege.

Public Official Bonds

A public official bond guarantees faithful performance of duty by a public official in a position of trust and provides for an honest accounting of all public funds handled by the official. These may be written on an individual, schedule or blanket basis.

Miscellaneous Bonds

The EMC Bond Department has the resources to respond to your specialized and unique bond needs. Many of those needs may be of a financial guarantee nature, such as a lost securities bond.

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