Surety Bonds | Zorn
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Surety Bonds
Win Bids, Meet Terms, Keep Projects Moving
When projects require bonding, you need capacity, speed, and clean paperwork. Zorn helps contractors and regulated trades in Southeast Georgia establish a surety program that wins bids, satisfies obligee requirements, and keeps jobs moving—without last‑minute scrambles.
- Contractor bond programs for bid, performance, and payment bonds
- License & permit bonds for regulated trades; other bond types available
- Fast approvals with an underwriting package that’s set up right
- Local guidance on forms, riders, and project timelines
A surety bond is a three‑party agreement among the principal (you), the obligee (owner/GC or government entity), and the surety (bond company). Unlike insurance, surety is about guaranteeing performance and payment obligations, which protects the obligee and helps you qualify for work that requires prequalification.
How Our Surety Bond Process Works
Discovery & Checklist
Gather company info, financials, WIP, and target projects.
Underwriting Review & Market Selection
Match with surety partners that fit your size and trade.
Terms, Rates & Conditions
Confirm capacity, pricing, and special riders.
Issuance & Support
Issue bonds, manage riders/renewals, and keep documentation tight.
ZORN Surety Bonds: What it Covers
Contractor Bonds
- Bid Bonds – Signal financial strength and intent; preserves your pricing position.
- Performance Bonds – Guarantees completion per contract terms.
- Payment Bonds – Guarantees payment to subs and suppliers, reducing lien risk.
License & Permit Bonds
- City/county/state requirements for trades (electrical, plumbing, HVAC, low‑voltage, specialty) and regulated activities. We help match the bond amount and form to the jurisdiction.
Other Bonds (As Needed)
- Maintenance, subdivision, supply, and select court/fidelity bonds when applicable.
Fast‑Track & Small‑Contract Options
Credit‑based programs can work for newer firms and smaller jobs with limited financials. As your volume grows, we’ll help you graduate to a standard program with higher capacity.
Proof You Can Trust
For more than six decades, Zorn has supported Georgia employers with dependable service and accountable follow-through. Clients value our responsiveness, clear communication, and the way we make complex requirements easier to manage.
“ZORN helped us uncover gaps that could have exposed us to everything from property losses and employee liabilities to income recovery and auto protection issues. Without ZORN’s risk management insight, we may not be in business today.”
Building Your Contractor Surety Program
Capacity & Limits
Set single and aggregate limits aligned to job size and backlog.
Financials
Working capital and net worth targets, CPA year‑end + interim statements, bank reference, and clean A/R & A/P aging.
WIP Reporting
Accurate work‑in‑progress schedules, largest completed jobs, and continuity planning for key personnel.
Common Commercial Property Insurance Questions
We’ll estimate capacity from working capital, net worth, and experience. Capacity grows with stronger financials, consistent performance, and quality WIP reporting.
Often, yes—via credit‑based programs or smaller limits while you build a track record.
Many public jobs and prime contracts require both to protect completion and payment to subs/suppliers.
We’ll coordinate obligee‑specific forms and riders and confirm acceptance before issuance.
Get a ZORN Surety Bond Review
You’ll get a capacity estimate, an underwriting checklist, and a clear path to the right surety program with a Southeast Georgia team that moves quickly.