Surety Bond Solutions

Your Trusted Surety Bond Provider

With over 30 years of experience, we specialize in helping contractors quickly and reliably secure the bond approvals required to complete their projects. We look at more than financials, we work with our clients to learn their story and advocate for them on their behalf. Our long-standing reputation with Surety companies gives us the ability to secure bond approvals in otherwise challenging situations, helping them grow their business and ensure their success.

"Ramirez Bonding went above and beyond for us! Not only did he secure a bid bond for an amount no one else would, but he also took the time to read our entire 400+ page bid contract and worked directly with the engineering firm to ensure all our documents were in perfect order. His dedication, expertise, and attention to detail made the process seamless..."

Christian Smith

Critical Pipeline Repair, Owner

"Fast. Reliable. I contacted Ramirez Bonding to obtain a bid bond for a project with just a couple days notice before the bid date. He was able to quickly get me bonded at more than twice the amount that my initial bonding company could do...

Mark Peters

Backcountry Construction, Owner

Frequently asked questions

In short, what is bonding?

Bonding is the guarantee business.

Whomever is requiring bonds (Obligee), is wanting a guarantee that the contractor will perform the work (Performance bond) and all money paid to the contractor is soley spent on project expenses. They expecting a lien-free project (Payment bond)

It’s called bonding, but the proper term is “surety credit.” Similar to banking. In the same manner someone who co-signs on a loan guarantees the borrower will make all the payments and if they don’t, they’ll step in and make the payments, if the contractors performance isn’t in accordance to the contract or if anyone connected with the job hasn’t been paid by the contractor, the surety is expected to step in and fulfill those obligations.

Bonding is Not Insurance: It is critical to understand that a surety bond is not insurance. A surety bond is a three-party agreement where the surety guarantees the principal's (contractor's) performance to the obligee (project owner). The contractor remains fully liable to reimburse the surety for any claims paid under the bond.

I get my bonds from my insurance agent. Why should I switch to using Ramirez Bonding?

Most insurance agents specialize in various types of insurance, but don’t specialize in writing bonds. Surety bonds is a very specialized field and while I have the same basic licensing as your insurance agent (Property & Casualty), we only write bonds.

If your credit is good and your bonds needs are small, anyone can write your bonds. The difference is most insurance agents take orders from the surety, but I act as your advocate to the surety. Think of it as me representing you in front of the loan committee.

How quickly should I expect to hear back from the surety on whether they approve/decline my bond request?

Once the surety has all the information and all their questions are answered, they respond very quickly. A lot of times within the same or next business day.

That’s the difference that Ramirez Bonding brings to the table. Our founder and lead producer has been in the surety/bond field for over 30 years and most of those years, he worked for the bond companies. Chris has been in those underwriting meetings where it’s determined whether or not the bond will or won’t be approved. He knows what they’re looking for and what it takes to get an approval.

This is why we review your information and point out certain things that need addressing and ask a lot of questions. Chris himself was a CPA a couple of careers ago and has many times talked to whomever put together our client's financial reports to make sure the reports are accurate and presented how the surety expects.

Our goal is to address whatever underwriting concerns the surety may have before the information is given to them, so all they have to do is underwrite.

The result is: Faster turnaround times and more approvals

How can I contact you or get started?

You can reach us best by phone or email by clicking the "contact" button below, or you can get started by filling out our preliminary using the "get started" button.

We are always happy to answer your questions, we strive to be your trusted resource for all things bonding.