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Surety Bonds

Bid bonds, performance bonds, license and permit bonds: when a project or a license requires one, the requirement is not optional. Eastern Shore Insurance Agency helps contractors and businesses secure the bonds their projects and licenses demand.
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Independent Advice

We work for you, not the insurance companies.

Employee-Owned

A team committed to your business and your success.

Six Local Offices

Proudly serving Central & Upstate New York.

Every bid comes with requirements

Surety bonds keep your bids, contracts, and licenses moving.

A municipal project requires a bid bond by Friday.

A bid bond satisfies the requirement and keeps your number in the running.

You win the job and the contract calls for performance and payment bonds.

They guarantee completion and payment, and unlock the contract.

Your license renewal requires a state-mandated bond.

A license bond keeps the renewal on track.

What Surety Bonds Insurance Covers

A bond is a guarantee, not insurance: it promises your customer or the state that you will perform. The common types:

Bid bonds

Assure a project owner you will sign the contract if you win.

Performance and payment bonds

Guarantee the work gets done and subs and suppliers get paid, required on New York public work.

License and permit bonds

Required by the state or municipality for many trades and businesses.

Court and fiduciary bonds

Estates, guardianships, and legal proceedings.

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Who Needs Surety Bonds Coverage

Bonds are requirements, not choices, and the requirement usually arrives with a deadline attached.

Contractors bidding public work

Bid, performance, and payment bonds are standard requirements.

Licensed trades and dealers

State and municipal licenses often require a bond.

Growing contractors

Bonding capacity decides the size of work you can chase.

Individuals in court proceedings

Estate, guardianship, and fiduciary bonds.

Contractors bidding public work are our largest bond clients, and our municipal relationships mean we know what local project owners expect.

Need a certificate of insurance fast?

We issue certificates quickly, because a slow certificate can cost you the job. We'll take care of it.

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  • 315-598-6000

Who Needs Surety Bonds Coverage

Bonds are requirements, not choices, and the requirement usually arrives with a deadline attached.

Contractors bidding public work

Bid, performance, and payment bonds are standard requirements.

Licensed trades and dealers

State and municipal licenses often require a bond.

Growing contractors

Bonding capacity decides the size of work you can chase.

Individuals in court proceedings

Estate, guardianship, and fiduciary bonds.

Contractors bidding public work are our largest bond clients, and our municipal relationships mean we know what local project owners expect.

Need a certificate of insurance fast?

We issue certificates quickly, because a slow certificate can cost you the job. We'll take care of it.

Talk to an Agent
Get a Quote
  • 315-598-6000

Bond or insurance? Both, usually

Public project checklists usually require all three. We handle the full package so the bid goes in clean.

Surety Bonds

A guarantee that you will perform. Protects your customer, backed by you.

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General Liability

Insurance that protects you when accidents happen.

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Workers' Compensation

Also required before you can bid most public work.

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Why Eastern Shore Insurance Agency

As an independent, employee-owned agency, we shop multiple carriers to find the right coverage at the right value, and we are honest about what you do not need. With six offices across Central and Upstate New York, from Fulton to Waterloo, you get an advisor who knows your community and answers the phone when a claim happens.

Trusted Choice®

100% Employee-Owned

Six New York Offices

Independent Agency

“Eastern Shore handled our COI the same afternoon we called. When a claim hit, the same person picked up the phone. That is what an insurance partner is supposed to look like.”
Mark S.
Business Owner, Oswego, NY
“Eastern Shore handled our COI the same afternoon we called. When a claim hit, the same person picked up the phone. That is what an insurance partner is supposed to look like.”
Mark S.
Business Owner, Oswego, NY
“Eastern Shore handled our COI the same afternoon we called. When a claim hit, the same person picked up the phone. That is what an insurance partner is supposed to look like.”
Mark S.
Business Owner, Oswego, NY

Professional Liability FAQs

Quick answers to common questions from contractors and licensed businesses.
Insurance protects you and transfers risk to a carrier. A bond protects the other party and guarantees your performance; if the surety pays a claim, you reimburse it. Different products, and most contractors need both.
A small percentage of the bond amount, driven by your financials and credit. Strong books mean better rates and higher capacity, and we will tell you honestly where you stand.
Public projects in New York generally require a bid bond with your proposal and performance and payment bonds at award, with amounts set by the project owner. Setting up your surety account before bid season means the requirements never decide which jobs you can chase.
Often yes, through programs built for exactly that. Terms are tighter, but a challenged credit history does not automatically keep you off public work. Ask us before you assume.

Have any questions?

Our local team can help you find the right coverage for your business in New York.

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Related coverages

General Liability

Everyday protection for your business.

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Workers' Compensation

Protect your employees and support their recovery.

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Commercial Auto

Coverage for the vehicles that do the work.

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Commercial Umbrella

Extra liability protection when you need it most.

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Contractors · Transportation · Municipalities

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Industries We Serve

Insurance solutions built for the way you work

We partner with businesses across a range of industries to help manage risk and drive growth.

Contractors

Manufacturing

Hospitality & Restaurants

Non-Profits & Churches

Farms & Ranches

Retail

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