Why Poms & Associates for your construction surety bonds?

  • Our dedicated surety bond team has significant expertise in all areas of bonding, including program management, financial analysis, contract analysis and account underwriting and placement for construction, subdivision, and miscellaneous (court, license, permit and compliance) bonds.
  • We have a proven history of negotiating construction surety programs with maximum bonding capacity and the best possible terms, conditions, and pricing.
  • We have access to the entire construction surety marketplace, including preferred, standard, and specialty placements with State-admitted, A.M. Best Rated, and Treasury listed surety and insurance companies.
  • If you have financial challenges, we can successfully structure, manage, and place bonding programs.
  • We’ll do a comprehensive review of bond forms and contract terms and conditions to ensure your best interests are protected.


“Working with Poms has been an awesome experience. They have saved me and my employer time and money with their prompt response, strategic marketing of our needs to plan providers, ease of transition to new providers and excellent customer service.”

Sherri Paniagua
Human Resources Manager, Las Virgenes Municipal Water District, Calabasas, CA

Need surety bonds? Construction experts Poms & Associates can help

The Poms & Associates Surety Team has over 80 combined years of surety experience in underwriting and managing bonding programs for general contractors, real estate developers, and commercial clients.

By partnering with our clients and underwriters, we develop long-term relationships that both meet our clients’ bonding needs and help their companies grow.

What kind of surety bond do you need?

Contract Surety Bonds:

Bid Bond: A guarantee that as the successful bidder, you will enter into the contract at the price bid, and provide the required bonds (outlined below).

Performance Bond: A guarantee you will complete the project in accordance with the contract specifications.

Payment Bond: Assures the owner that you will pay all material, labor and subcontractor costs associated in constructing their project, ensuring the project is lien free upon completion.

Maintenance Bond: Guarantees you will fix any defects which are discovered following project completion, usually for a 12 month period.

Subdivision Bonds:

Performance and Payment Bonds are the same as above, but are specific to the offsite improvements which become public domain once the subdivision project is complete. These bonds are required by cities and/or counties. Other types of Subdivision bonds include Monument Bonds, Utility Connection Bonds, Grading permit, Tree Bonds, etc.

Who requires construction surety bonds?

Both public and private companies can require surety bonds. Construction businesses working mostly in the public sector will find that bonds are a statutory requirement. If you do mainly private sector work, you’ll typically be asked to provide surety bonds at the obligee’s discretion. A business owner may wish to make sure you’re qualified, for example, or a bank may want to know that if it loans you money you’ll complete your project properly.

I have insurance. Why do I need construction surety bonds?

Insurance and Bonds are mutually exclusive:

Insurance protects the buyer, individual, or business against losses related to insurable events. Contract Surety Bonds protect the project owner from breach of contract by the contractor resulting from his failure to construct the project according to contract specification, and/or the contractor’s failure to pay related subcontractors and suppliers.


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