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Surety Solutions

Your customers rely on your expertise, performance and work ethic. Their confidence, trust and loyalty grow when they see you’re bonded by a reputable company that delivers on its promises. Through your local independent agent, you can get a solid surety bond program tailored to your needs with The Cincinnati Insurance Company. Our surety underwriters’ dedication, knowledge and insight combines with Cincinnati’s financial strength and capacity to ensure you have exactly the coverage you need.

Tailoring bonds to your specific needs

Contract Bonds

Since Cincinnati began servicing its clients’ surety needs in 1968, we have consistently ranked among the top 30 sureties in the United States based on premium data compiled by The Surety & Fidelity Association of America. Regardless of the size or range of your operation, we can help you make that winning bid.

Our Large Contract program provides individualized attention for contractors with work-on-hand of $150 million or more. Eligible contractors also can get on the job fast with our streamlined, quick turnaround, application processes: CinciExpress™ for contracts up to $750,000 and SuretyBridge™ for contracts of up to $3 million. 

We serve a variety of contractors:

  • general
  • road and utility
  • electrical
  • mechanical
  • drywall
  • other subcontractor trades

Cincinnati product offerings include:

A bid bond assures that a bid on a project is submitted in good faith, that the contractor will enter into the contract at the bid price and that the contractor will provide required performance and payment bonds.
A performance bond is used to protect the owner from financial loss should a contractor fail to perform the contract in accordance with its terms and conditions.
A payment bond assures that the contractor will pay specified subcontractors, laborers and materials suppliers associated with the project.
Maintenance bonds generally are required by an owner to provide assurance against defective workmanship or materials.


Cincinnati's standard market property casualty insurance group offers a broad range of commercial surety bonds that may be required for your business. We offer nearly 5,000 bond forms to address needs across all 50 states and the District of Columbia. Competitively priced, these bonds are backed by Cincinnati's superior financial strength, which is indicated by our AM Best A+ (Superior) rating. Best’s ratings are under continuous review and subject to change and/or affirmation. To confirm the current rating, please visit Commercial surety bonds generally are divided into four sub-types. Cincinnati can help you determine which you need:

Certain federal, state or municipal governments require a license and permit bond as a guarantee from a surety to a government and its constituents that a company will comply with an underlying statute, state law, municipal ordinance or regulation. These bonds cover contractors, motor vehicle dealers, mortgage brokers and various sales taxes.
People who are elected or appointed to positions of public trust must be covered by bonds that guarantee their honest and faithful performance in those roles. Examples of those covered include notaries, treasurers, tax collectors, clerks, mayors and judges.
Prescribed by the courts, including both judiciary and probate, these bonds stem from litigation. They may be posted by parties seeking court remedies or defending against legal actions. Probate bonds guarantee that persons whom such courts have entrusted with the care of others’ property will perform their specified duties faithfully. These bonds cover positions such as administrator, guardian or trustee.
Bonds also may support private relationships and unique business needs. Examples include bonds for lost securities and financial guarantees.


We build long-term relationships with local independent agents and the communities they serve because we believe Actions Speak Louder In Person®. Our surety field representatives live in or near your communities to provide you and your agent with prompt and personal service.

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