Surety Bond Industry Reference Guide
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1 Hanover Commercial Surety Surety Bond Industry Reference Guide Hanover Surety provides a wide range of industry-specific bonds for Small, BONDirect Quote and issue Commercial Surety, Business Services Fidelity, and ERISA Fidelity Bonds in real time and in one easy transaction. Middle, and National Market accounts with traditional Commercial Surety bond needs. This is one more way The Hanover helps you take advantage of lucrative, account rounding opportunities. The Hanover is securely positioned to meet the needs of customers ranging from individuals and smaller businesses to Fortune 1000 companies. BONDirect Our powerful online tool enhances your service capabilities BONDirect lets you rate, underwrite, quote and issue a bond within minutes. The Hanover s BONDirect is our intuitive, web-based automated processing tool that allows you to quote and issue Commercial Surety, Business Services Fidelity, and ERISA Fidelity Bonds in real time and in one easy transaction anytime and anywhere you have internet access. With BONDirect, you can rate, underwrite, quote and issue a bond within minutes. For any Surety, Business Services or ERISA bond under $500,000, this streamlined, technologically advanced underwriting system means you receive quick, accurate turnaround, allowing your agency to distinguish itself with faster, more attentive customer service. It can even handle large Probate and Public Official Bonds. continued
2 HANOVER COMMERCIAL SURETY Here is a quick reference to the bonds we offer for a variety of business types. If you don t see the type of business you re looking for, please call your Hanover Surety representative. Industries BUSINESS TYPE TYPES OF BONDS REQUIRED GUARANTEED Automotive Chauffeured Transportation Contractors Craft Brewers Motor Vehicle Dealer Bond Certificate of Title or Defective Title Bond Tow Truck Operators Bond Salvage Dealer Bond Performance Bond Toll/Turnpike Bond Beer & Alcohol Tax Bond Utility Guarantee Bond of of of of Performance guarantee Guarantees remittance of tolls Cultural Institutions License and Permit Bond Compliance protects against loss or lack of Document Management Durable Medical Equipment Educational Institutions Eldercare Facilities (Assisted Living/Independent Living/ Adult Day Care) Food Manufacturers Healthcare Home Health Services Private School Bond Driving School Bond Patient Trust Fund Bond Concessionaire Bond Toll/Turnpike Bond Patient Trust Bond/Medicare and Medicaid Unemployment Compensation Bond Tuition reimbursement guarantees students will receive instruction that is paid for by their tuition Performance guarantee Proper handling of patient funds Guarantees remittance of tolls Proper handling of patient funds Financial guarantee of unemployment compensation benefits Compliance protects against loss or lack of
3 BUSINESS TYPE TYPES OF BONDS REQUIRED GUARANTEED Hospitality Hotels Human Services Manufacturers Media Medical Diagnostic Services & Laboratories Medical Facilities/Medical Officers/Medical Offices/ Medical Specialists Moving & Storage Printers Professional Services Concessionaire Bond Utility Bond Unemployment Compensation Bond Probate Bond Right-of-Way Site-Improvement Bond Supply Bond Payment Bond Billboard & Signage Bond Workers Compensation Self- Insurance Bond s Military Traffic Management Command Bond Customs Bond Toll/Turnpike Bond Supply Bond Financial guarantee of unemployment compensation benefits Protection for the estate of an incompetent or deceased from embezzlement or mismanagement Construction or completion of right-of-way Construction or completion of site-improvement guarantee Guarantee for supply or installation projects Financial guarantee of Workers Compensation benefits Medicare reimbursement guarantee protection Guarantees payment of taxes, duties or other assessments Guarantees remittance of tolls Guarantee for supply projects Compliance protects against loss or lack of
4 HANOVER COMMERCIAL SURETY BUSINESS TYPE TYPES OF BONDS REQUIRED GUARANTEED Real Estate Religious Institutions Restaurants Retail Sports & Fitness Agent Bond Lost Instrument Bond Appraisal Management Bond Site Improvement Bond Utility Guarantee Bond Liquor Tax Bond Court Bond Workers Compensation Bond/ Self-Insurance Bond Utility Guarantee Bond Lottery Bond Liquor Liability or Tax Bond Sales Tax Bond Boxing Promoters Bond Professional Fundraisers Bond Health Club Bond Lease and performance guarantee may Provides protection to the issuer of the original instrument against loss through the issuance of a duplicate instrument Construction or completion of site improvement guarantee Lease and performance guarantee may Protects the opposing party against wrongful action or guarantees payment of a judgment Lease and performance guarantee may Guarantees the principal has sufficient cash or investments to pay third party claims Compliance taxes will be paid on the lottery bond Compliance taxes will be paid on the liquor liability or tax bond Financial guarantee Compliance repayment of fees associated with a club membership Technology Performance Bond Performance guarantee of contract provisions Wholesalers Beer Distributor Bond Cigarette Tax Bond Court Bond Customs Bond Distillers Bond Franchise Bond Liquor Tax Bond Petroleum Tax Bond Supply Bond Protects the opposing party against wrongful action or guarantees payment of a judgment Guarantees payment of taxes, duties or other assessments Guarantees compliance with local laws and payment of required commissions Guarantee for supply or installation projects
5 Specialty Industries (E&O) BUSINESS TYPE TYPES OF BONDS REQUIRED GUARANTEED Architects & Engineers Performance Bond Performance guarantee of contract provisions Compliance protects against loss or lack of Business Services Business Services Bond Third party fidelity guarantee protects employer and client Law Firms (small, mid-sized) Probate Bond Litigant Bonds Lost Instrument Bond Veterans Administration Bond Protection for the estate of an incompetent or deceased from embezzlement or mismanagement Protects the opposing party against wrongful action or guarantees payment of a judgment Provides protection to the issuer of the original instrument against loss through the issuance of a duplicate instrument Protection for the estate of an incompetent from embezzlement or mismanagement Personal Services Business Services Bond Third party fidelity guarantee protects employer and client Professional Services Business Services Bond Third party fidelity guarantee protects employer and client Let s start bonding today! Nobody knows more about the Surety Bond marketplace than the team at The Hanover. We can answer all your questions and help you increase Surety business in a hurry. Contact your local Surety Underwriter today.
6 HANOVER COMMERCIAL SURETY Why The Hanover? The Hanover is a leading property and casualty insurance company dedicated to achieving world-class performance. Our commitment is to deliver the products, services, and technology offered by the best national companies with the responsiveness, market focus, and local decision making of the best regional companies. This powerful combination has been a proven success since our founding in 1852, and all insurance company subsidiaries are rated A (Excellent) by A.M. Best Company. The Hanover Insurance Company 440 Lincoln Street, Worcester, MA hanover.com The Agency Place (TAP) All products are underwritten by The Hanover Insurance Company or one of its insurance company subsidiaries or affiliates ( The Hanover ). Coverage may not be available in all jurisdictions and is subject to the company underwriting guidelines and the issued policy. This material is provided for informational purposes only and does not provide any coverage. For more information about The Hanover visit our website at The Hanover Insurance Group. All Rights Reserved (12/15)
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