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Performance Bonds and Payment Bonds guarantee a specific contract. These bonds are typically associated with public construction projects....
IOA Bonds has programs for applicants with less than stellar credit. Note though that many bonds do not require a...
License and Permit Bonds are bonds that are typically needed for a professional license or for permission to do a...
Judicial & Probate Bonds guarantee that certain individuals will act to protect assets in their trust. IOA is a full...
Since 1988 Insurance Office of America has been committed to provide valued solutions to its clientele. This commitment clearly extends to the surety operation. The key difference between IOA and other agencies is that we provide value and solutions far beyond the bonding relationship. We represent over thirty different markets and have unparalleled professional relationships throughout the industry. In short, we are more than just a bond agent. We are business consultants.
Frequently asked bond questions …
Qualifying for a bond is unique for each account. The qualification and rate charged is based on many factors
The standard answer for qualification is the three ‘C’s of underwriting; Capital, Character, and Capacity.
Capital: The financial statements
Character : Account references
Capacity : The contractor’s ability to complete the work
That being said bond qualification will vary depending on the size of the program desired and the particular risk associated with the class of work performed.
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