BondWise Program • Powered by Click2Bind

Stop Letting Bonding Capacity Limit Your Growth

20+ years of surety expertise. Relationships with top sureties. A partner who fights for your capacity—not just your next bond.

Get Your Bond Quote
$50M+ Capacity
All 50 States
Capacity Growth

Does This Sound Familiar?

"I've got the experience, the crew, and the track record—but I keep hitting my bonding limit. My agent says there's nothing he can do. Meanwhile, I'm watching competitors bid on projects I know I could handle."
"I feel stuck. Every time I try to grow, bonding becomes the bottleneck. It's frustrating—I've never missed a completion, never had a claim, but I still can't get the capacity I need to take the next step."
  • → How many profitable projects have you passed on because of bonding limits?
  • → When was the last time your bond agent proactively helped you increase capacity?
  • → Does your agent have relationships with multiple sureties, or are you stuck with one?
  • → What would it mean for your business to have bonding capacity that grows with you?

Your bonding capacity shouldn't be a ceiling on your growth. Good contractors deserve partners who fight for their capacity—not gatekeepers who just process paperwork.

20+ Years
Surety Expertise
Licensed in
All 50 States
Multiple
Sureties
$50M+
Capacity
Capacity
Growth Focus

We've Spent 20+ Years Building Contractor Capacity

Not Just Processing Bonds—Building Bonding Programs

We understand the frustration. You've built a successful business. You've completed projects on time and on budget. You've never had a bond claim. But somehow, your bonding capacity doesn't reflect your capabilities.

That's because most bond agents are order-takers, not advocates. They process what you ask for but don't work to expand what's possible. We're different.

We've spent 20+ years building relationships with top sureties specifically so we can fight for our clients' capacity.

20+
Years Surety Expertise
$50M+
Single Bond Capacity
MULTIPLE
Top-Rated Sureties
50
States Licensed

Your Advocate With The Sureties

We don't just submit applications—we present your story. We know what sureties look for, how to position your strengths, and how to address concerns before they become objections. Our job is to get you the capacity you deserve.

✓ Fight For Your Capacity ✓ Multiple Surety Options ✓ Financial Presentation Help

What is a Surety Bond?

A surety bond is a written agreement to guarantee compliance, payment, or performance of a duty. Unlike insurance policies, surety bonds involve a three-party agreement:

Principal

The company or person who purchases the bond and undertakes the obligation to perform an act as promised.

Surety

The insurance or surety company that guarantees the principal's obligation will be performed. Liable for losses if the principal fails.

Obligee

The party who requires and receives the benefit of the bond—typically a government organization or business partner.

Key Difference from Insurance

Unlike most insurance policies, surety bonds do not provide coverage to the bond owner. A surety bond protects, indemnifies, or provides a financial guarantee to a third party (the obligee)—commonly customers, suppliers, or government entities.

How Do Bond Claims Work?

If the obligee is damaged financially by the principal's violation of bond terms, a claim may be filed. The surety company investigates and, if valid, pays damages up to the full bond amount. The surety then typically requires reimbursement from the principal.

Why Choose BondWise by Click2Bind?

We know that fulfilling your bond needs is critical for obtaining work and complying with regulatory matters. We have the resources and expertise to provide tailored bond solutions specific to your needs, on both local and national levels.

🏛️

Major Partners

We partner with major insurance and specialty surety companies

💰

Favorable Rates

Competitive pricing through extensive carrier relationships

⚡

Fast Turnaround

Quick processing so you can meet your deadlines

🎯

Expert Guidance

20+ years of bonding expertise at your service

Bond Types We Offer

From contract bonds to regulatory requirements, we have you covered.

📋 Contract Bonds

Bid bonds, performance bonds, and payment bonds for construction and project-based work.

🏛️ State Regulatory Bonds

License bonds required by state agencies for mortgage, real estate, title, and financial services.

💼 ERISA Bonds

Required coverage for administrators and fiduciaries of retirement plans under federal law.

🔒 Fidelity Bonds

Employee dishonesty coverage protecting businesses from fraudulent acts by employees.

✍️ Notary Bonds

Financial guarantee bonds required for notary public applications in most states.

🏢 Public Official Bonds

Protection for government and citizens from dishonest or negligent acts by public officials.

👷 Workers Comp Bonds

Self-insured employer bonds and other workers' comp surety requirements.

📑 Miscellaneous Bonds

Court bonds, probate bonds, utility bonds, customs bonds, immigration bonds, and more.

Construction Industry

Contract Bonds: Bid, Performance & Payment

Essential bonds for project-based construction work.

Bid Bonds

Protects the property/business owner from financial loss if the contractor does not follow through on their bid. Required to submit competitive bids on most public projects.

Performance Bonds

Protects the property/business owner from financial loss if the contractor does not fulfill the terms of the contract. Guarantees project completion.

Payment Bonds

Also called labor/materials bonds. Guarantees that subcontractors, laborers, and material suppliers will be paid for their work on the project.

Contract bonds are typically required together as a package for public construction projects.

State Regulatory & License Bonds

A state regulatory license bond guarantees that a business will operate in accordance with all applicable government rules and regulations.

These bonds are required by the state before a business is granted a license to operate. The bond must be held in good standing, or the business license could be terminated.

Industries That Require State Regulatory Bonds:

Mortgage Brokers Real Estate Agents Title Insurance Agents Consumer Lenders Payday Lenders Money Transmitters Credit Counseling Agents Appraisers

📱 NMLS Electronic Surety Bonds (ESBs)

Many state regulatory and license bonds are now electronic surety bonds (ESBs) on the NMLS system. The Nationwide Multistate Licensing System is used by mortgage, collection agents, money transmitters, and consumer lenders. Over half the states now use NMLS for e-bonding. Our team will guide you through the entire e-bonding process.

ERISA Bonds

Retirement Plan Fiduciary Coverage

An ERISA bond covers administrators and fiduciaries of retirement plans regulated by the Employee Retirement Income Security Act of 1974.

Coverage requirement: At least 10% of plan assets handled. Minimum $1,000, maximum $500,000 (or $1M for plans with employer securities).

Protects Against:
  • Theft or misuse of plan funds
  • Forgery of documents
  • Conflicts of interest
  • Using position for personal profit

Fidelity Bonds

Employee Dishonesty Coverage

A fidelity bond covers policyholders for losses caused by fraudulent or dishonest acts of employees. Also called Employee Dishonesty Policies or Commercial Crime Policies.

Note: Though called "bonds," these are actually insurance policies that protect the business owner.

Benefits:
  • Protects against employee fraud
  • Often required for licensing
  • Demonstrates business credibility
  • Common for financial services

Other Bond Types

✍️ Notary Bonds

A notary bond is a financial guarantee bond that ensures the notary will fulfill all obligations to protect the public from financial harm while performing notarial duties.

A person applying to become a notary public needs to purchase a notary bond if their state requires it. Often, the state will also require or recommend E&O coverage along with the notary bond.

🏛️ Public Official Bonds

Public official bonds protect the government and its citizens from dishonest or negligent acts by someone who holds a public office, especially those dealing with money or privileged information.

Common officials who need bonds:

Court clerks, commissioners, deputies, sheriffs, law enforcement, tax collectors, city managers, treasurers, judges, mayors, and other city officials.

📑 Generic & Miscellaneous Bonds

These bonds fall outside other categories and include a wide variety of specialized bonds:

Lease Bonds Utility Bonds Court Bonds Probate Bonds Fiduciary Bonds Lost Securities Immigration Bonds Customs Bonds Alcohol Beverage Bonds Transportation Bonds Education Bonds Self-Insurer Bonds Union Bonds
❓ Why Do I Need a Bond?

Typically, you will be told by the obligee (a government representative or someone with whom you do business) that you need a bond in order to proceed with your work or other responsibilities.

There are thousands of different types of bonds, and the bond's purpose will differ depending on which industry, license, permit, court, or other requirement you are trying to fulfill. If you've been told you need a bond and aren't sure where to start, contact us—we'll help you identify exactly what you need.

Complete Surety Bond Solutions

From your first license bond to multi-million dollar contract bonds

Contract Bonds (Construction)

Bid Bonds

Guarantees you'll enter the contract if awarded the bid. Required for most public projects. We issue bid bonds quickly so you never miss a submission deadline.

Performance Bonds

Guarantees you'll complete the project according to contract terms. Protects the project owner if you can't finish. Essential for public works and commercial construction.

Payment Bonds

Guarantees you'll pay your subcontractors, suppliers, and laborers. Protects the owner from mechanic's liens. Usually required alongside performance bonds.

Maintenance Bonds

Guarantees your work against defects for a specified period after completion. Often required as part of the contract bond package, typically 1-2 years.

Commercial & License Bonds

Contractor License Bonds

Required by most states to obtain or maintain your contractor's license. We handle all 50 states.

Permit Bonds

Required by cities or counties for specific project permits. We process quickly to avoid delays.

Business Service Bonds

For businesses whose employees work in clients' homes or offices. Protects against employee dishonesty.

Court & Fiduciary Bonds

Required for court proceedings—executor bonds, guardian bonds, appeal bonds.

Industries We Serve

General Contractors Specialty Trade Contractors Heavy/Highway Contractors Developers & Design-Build Service Companies Government Bidders

If you need a bond, we can help you get it.

The Real Cost of Inadequate Bonding Support

WITH THE WRONG AGENT
  • ✗ Capacity limits your growth
  • ✗ Pass on profitable projects
  • ✗ Miss bid deadlines waiting for bonds
  • ✗ One surety relationship = limited options
  • ✗ No help with financial presentation
  • ✗ Agent disappears between transactions
WITH BONDWISE
  • ✓ Capacity that grows with you
  • ✓ Bid with confidence on bigger projects
  • ✓ Fast bond issuance for deadlines
  • ✓ Multiple sureties = more options
  • ✓ CPA guidance for maximum capacity
  • ✓ Year-round partnership and advocacy

Every project you can't bid because of bonding is money left on the table.

What Contractors Say About Working With Us

"When I came to BondWise, I was stuck at $2M single job capacity. Within 18 months, they got me to $5M. Last year, I bonded my first $10M project. Same financials—just a team that knows how to present my story to the sureties."

— [Name], President

General Contractor

"My previous agent took a week to issue a bid bond. I missed deadlines. With BondWise, I get same-day turnaround. They helped me understand what sureties look for—now my CPA prepares financials to maximize capacity."

— [Name], Owner

Specialty Contractor

"They don't just process bonds—they advocate. When my regular surety wouldn't increase my program, they went to two others and got me approved at the limits I needed. That's the difference between an order-taker and a true partner."

— [Name], CEO

General Contractor

Questions Clients Ask Us

What determines bond pricing?

Bond premiums are typically 1-3% of the bond amount. The exact rate depends on your financial strength, experience, project type, claims history, and the surety's appetite for your profile.

Because we work with multiple sureties, we can often find better rates by matching you with a surety that likes your specific profile.

What if my financials aren't perfect?

Most contractors don't have 'perfect' financials—and that's okay. Sureties look at the whole picture: trends, character, capacity, and capital. We help you present your financials in the best light.

If your financials don't support the capacity you want, we'll tell you what needs to change and help you develop a plan to get there.

Why use a specialist instead of my regular insurance agent?

Surety bonds are not insurance—they're a form of credit. Most insurance agents treat bonds as an afterthought. They often have one surety relationship and no leverage to push for capacity.

A bond specialist focuses entirely on surety. We understand what different sureties want and how to advocate for capacity increases. Our multiple relationships give us options when one says no.

How do I increase my bonding capacity?

Capacity increases come from: improving your financial position, demonstrating successful project completion, building a track record with a surety, presenting financials effectively, and having an advocate who knows how to make the case.

Sometimes the fastest path is simply presenting the same financials more effectively—or moving to a surety with a better appetite for your profile.

How fast can you get me a bond?

For established accounts: same day, often within hours. For new accounts: typically several days to 1 week for initial surety approval, then fast turnaround on subsequent bonds.

If you have a deadline, tell us. We'll be honest about what's realistic. We've never had a client miss a bid deadline because we couldn't perform.

Ready to Build Your Bonding Capacity?

Get a quote on your next bond—or let's talk about building a program that grows with you.

GET YOUR BOND QUOTE

Not Ready to Talk Yet?

Download our Contractor's Guide to Growing Bonding Capacity. Learn what sureties really look for and how to maximize your limits.

DOWNLOAD FREE GUIDE

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