Small Business Bonds


Whether you're a small business or individual needing a surety bond, your independent agent or broker will work closely together with our customer service representatives and underwriting teams to help get the bond delivered to you within 24 hours. 

Our small business operations are specialized to best meet your surety needs.  Located throughout the country, we have Small Contract Surety, Small Commercial and Small Fidelity specialist underwriting teams ready to help your independent agent or broker write your bonds.  For normal bond needs, we also offer surety industry leading technology to allow your independent agent or broker the flexibility to issue bonds immediately online.

Small Business Bonds

Small businesses and individuals deserve the same personalized service and expert underwriting support provided to larger companies.  At Liberty Mutual Surety™, we recognize this and offer bonds through two independently branded operations that focus solely on small business bonds:

• First National™ focuses solely on Small Contract Surety and distributes bonds through surety specialist Independent Agents and Brokers, and,

• Liberty Agency Underwriters™ focuses solely on Small Contract Surety, Small and Transactional Commercial Surety and Fidelity Bonds and distributes bonds through generalist property and casualty independent agent and broker appointed with America First Insurance Company, Colorado Casualty Insurance Company, Golden Eagle Insurance Company, Indiana Insurance Company, Liberty Northwest Insurance Company, Montgomery Insurance Company, Ohio Casualty Insurance Company, and Peerless Insurance Company.

Whether your agent or broker is appointed with Liberty Mutual Surety’s, First National or Liberty Agency Underwriters, you’ll have access to local, flexible and accessible bond underwriters who specialize solely in working with small to mid-sized businesses and individuals. 

Small Contract

As a small to mid-sized contractor, you have specific bonding needs that relate to your type of work, geographic territory and market conditions.  Whether you use First National or Liberty Agency Underwriters, our underwriters work with you and your independent agent or broker to see how specific bonded projects relate to your finances and operations and contribute to your success.  Our distinct dedicated field and home office underwriting teams understand the business challenges facing small contractors and work to build smart bonding solutions that help small contractors succeed. 

From first bond to large capacity, we’re ready to grow with your business.  Our streamlined underwriting processes, responsive service and consistent underwriter are designed to provide stable surety capacity.  Our underwriters understand that small to mid-sized contractors have diverse financial and operational capabilities and we tailor bonding programs to align with your business objectives.

Small and Transactional Commercial Bonds

Our Liberty Agency Underwriters Small and Transactional Commercial Bond team focuses on servicing small businesses and individuals.  We offer streamlined underwriting processes, competitive rate programs and customized billing procedures to fit your needs.  We differentiate ourselves from other sureties by giving you and your independent agent or broker access to local our Small and Transactional Commercial underwriters.  With regional underwriting expertise and authority in field locations across the country, backed by national financial, legal and claims resources, our Commercial Surety underwriters have the flexibility and expertise to help you meet your bonding obligations. 

The following examples are just some of the types of bonds we commonly provide:

  • Bid, Performance and Payment, and Supply
  • Court
  • Customs
  • License & Permit
  • Miscellaneous
  • Notary
  • Probate
  • Public Official
  • Regulatory and tax

At Liberty Agency Underwriters, we focus on consistent underwriting, quick, efficient responsive service; and provide you with ease of doing business with us. 

Small Fidelity

Liberty Agency Underwriters also provides Fidelity, ERISA, Financial Institution, and Business Services Bonds for small businesses. 

Leading Technologies

For independent agents and brokers, time is money.  At Liberty Mutual Surety’s small business operations, we know this and provide online technologies to allow agents and brokers the capabilities of immediately issuing Small and Transactional Bonds and select other classes of bond business directly online. 

• Surety Online™ allows agents and brokers to issue bonds online using rules-based underwriting without waiting for an underwriters response.  Surety Online currently is available to agents and brokers appointed with American States Insurance Company.

• BEST™ allows agents and brokers working with Liberty Agency Underwriters small bond underwriters to issue bonds online.

For more information, contact your independent agent or broker and see how our Small Business underwriters can help you meeting your bonding obligations.  With Liberty Mutual Surety’s and its Small Bond operations First National and Liberty Agency Underwriters, you get the focus and service of a regional surety with the strength and resources of the second largest surety in the business.