
Protecting your property and managing your risk
Whether you’re in the business of buying, selling, leasing, managing, developing, or redeveloping property, you have a lot to oversee. With so many factors in play, an off-the-shelf approach to insurance will not protect you or your business should disaster strike.
The real estate industry has faced many obstacles in recent years, from climate change to the COVID-19 pandemic to the new and changing laws and regulations in between. At Risk Strategies, our breadth of knowledge and specialty focus allows us to take a deep dive into the ever-evolving exposures your real estate business faces, including:
- Environmental/climate-related issues, including coverage gaps, exclusions & losses due to water, wind, fire, hurricanes, tornadoes, and other catastrophic weather events
- Shifting laws and regulations, notably labor laws in states like California and New York
- Social inflation due to recent trends, leading to rising claims costs, increased litigation, new negligence concepts, broader definitions of liability, and larger compensatory jury awards
- Exclusionary languages, specifically those related to increasing tragic events like shootings
- Builder’s risk challenges as extended projects are making it increasingly difficult to obtain the full policy limit amount that is needed from start to finish
The hard market is in a state of transition as we’re facing increasing premiums and deductibles, reduced limits, and declining coverage in flood and wildfire zones. Along with the coverages necessary to tackle these obstacles, such as property and casualty, professional, management, catastrophic loss, and environmental liability, we offer:
- Critical reading and analysis of governing documents for residential associations, joint venture agreements, development projects, and tenant leases
- Loss forecasts, analytical modeling, and benchmarking
- In-depth claim analysis and review on a continuous basis
- COPE data gathering and validation
- Property valuation modeling
- Creative solutions from a national perspective for local risks
- Efficient communication with lenders and third parties during loan structures
- AIR catastrophe modeling to understand your exposure to hurricanes and tropical storms
- Flood analysis
- Captive solutions for owners with large residential portfolios
Connect with our real estate specialists to ensure your properties are adequately protected and prepared to weather any storm — natural or man-made.
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[{id=187918185375, createdAt=1743000928060, updatedAt=1743005600094, 1='{type=string, value=Sample California Bond}', 2='{type=string, value=Varies}', 3='{type=string, value=#}', 4='{type=string, value=Learn more}', 5='{type=option, value={id=1, name='california', order=0, label='California'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=
Required by the TTB for alcohol-related businesses with annual excise taxes exceeding $50,000.
}'}, {id=187921817602, createdAt=1743001070202, updatedAt=1743005590594, 1='{type=string, value=Sample Arkansas Bond}', 2='{type=string, value=Varies}', 3='{type=string, value=#}', 4='{type=string, value=Learn more...}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Required by the TTB for alcohol-related businesses with annual excise taxes exceeding $50,000.
}'}, {id=187918692102, createdAt=1743004969903, updatedAt=1743005596878, 1='{type=string, value=Sample California Bond 2}', 2='{type=string, value=X}', 5='{type=option, value={id=1, name='california', order=0, label='California'}}', 6='{type=string, value=Lorem ipsum}', 7='{type=string, value=Description goes here and here}'}, {id=188601390617, createdAt=1744198475042, updatedAt=1744198475042, 1='{type=string, value=Alcohol Tax Bonds (Federal/TTB)}', 2='{type=string, value=Varies}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Required by the TTB for alcohol-related businesses with annual excise taxes exceeding $50,000.}'}, {id=188601390618, createdAt=1744198475043, updatedAt=1744198475043, 1='{type=string, value=Appraisal Management Company Bond}', 2='{type=string, value=$20,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$200}', 7='{type=string, value=Necessary for firms overseeing networks of state-licensed appraisers.}'}, {id=188601390619, createdAt=1744198475044, updatedAt=1744198475044, 1='{type=string, value=Arkansas Motor Vehicle Dealer Bonds}', 2='{type=string, value=$25,000 - $50,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$125}', 7='{type=string, value=Mandatory for new and used vehicle dealers and wholesalers.}'}, {id=188601390620, createdAt=1744198475045, updatedAt=1744198475045, 1='{type=string, value=Barber School Bond}', 2='{type=string, value=$10,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Ensures barber schools adhere to contractual and professional obligations.}'}, {id=188601390621, createdAt=1744198475046, updatedAt=1744198475046, 1='{type=string, value=Beauty Pageant Bond}', 2='{type=string, value=$10,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Guarantees that beauty pageant organizers fulfill their contractual commitments.}'}, {id=188601390622, createdAt=1744198475047, updatedAt=1744198475047, 1='{type=string, value=Bid Bonds}', 2='{type=string, value=Varies}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Serve as financial assurance for certain contract bid proposals, especially large-scale projects.}'}, {id=188601390623, createdAt=1744198475048, updatedAt=1744198475048, 1='{type=string, value=Broker-Dealer, Investment Adviser, or Agent of the Issuer Bond}', 2='{type=string, value=$1,000 - $50,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Required for professionals in securities to ensure compliance with regulations.}'}, {id=188601390624, createdAt=1744198475049, updatedAt=1744198475049, 1='{type=string, value=Business Service Bonds}', 2='{type=string, value=$10,000 - $100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$125}', 7='{type=string, value=Protect clients against employee theft and misconduct for businesses operating on client premises.}'}, {id=188601390625, createdAt=1744198475050, updatedAt=1744198475050, 1='{type=string, value=Certificate of Title Bond}', 2='{type=string, value=$100 - $1,000,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Needed for vehicles lacking titles necessary for registration.}'}, {id=188601390626, createdAt=1744198475051, updatedAt=1744198475051, 1='{type=string, value=Child and Adult Care Food Program (CACFP) Bond}', 2='{type=string, value=$1,000 - $150,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Ensure compliance with CACFP regulations for meal service providers.}'}, {id=188601390627, createdAt=1744198475052, updatedAt=1744198475052, 1='{type=string, value=Cigarette Stamp Deputy Bond}', 2='{type=string, value=$1,000 - $100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Required for deputies overseeing cigarette stamp distribution and compliance.}'}, {id=188601390628, createdAt=1744198475053, updatedAt=1744198475053, 1='{type=string, value=City of Maumelle Solicitor Bond}', 2='{type=string, value=$1,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Necessary for solicitors operating within Maumelle to ensure adherence to local ordinances.}'}, {id=188601390629, createdAt=1744198475054, updatedAt=1744198475054, 1='{type=string, value=City of Texarkana License and Permit Bond}', 2='{type=string, value=$2,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Required for businesses in Texarkana to guarantee compliance with municipal regulations.}'}, {id=188601390630, createdAt=1744198475055, updatedAt=1744198475055, 1='{type=string, value=CLB Commercial Contractor License Bond}', 2='{type=string, value=$10,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Mandatory for contractors undertaking commercial projects valued at $50,000 or more.}'}, {id=188601390631, createdAt=1744198475056, updatedAt=1744198475056, 1='{type=string, value=CLB Financial Statement Contractor Bond}', 2='{type=string, value=$50,000 - $500,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$375}', 7='{type=string, value=For contractors unable to provide financial statements meeting state net worth criteria.}'}, {id=188601390632, createdAt=1744198475057, updatedAt=1744198475057, 1='{type=string, value=CLB Subcontractor License Bond}', 2='{type=string, value=$10,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Required for subcontractors with contracts of $2,000 or more with unlicensed contractors.}'}, {id=188601390633, createdAt=1744198475058, updatedAt=1744198475058, 1='{type=string, value=Coin Operated Amusement Machine Operator Bond}', 2='{type=string, value=$6,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Necessary for operators of coin-operated amusement machines.}'}, {id=188601390634, createdAt=1744198475059, updatedAt=1744198475059, 1='{type=string, value=Coin Operated Cigarette Machine Operator’s Bond}', 2='{type=string, value=$2,000 - $6,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$50}', 7='{type=string, value=Required for operators of coin-operated cigarette machines to ensure regulatory compliance.}'}, {id=188601390635, createdAt=1744198475060, updatedAt=1744198475060, 1='{type=string, value=Collection Agency Bond}', 2='{type=string, value=$10,000 - $25,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Mandatory for entities collecting debts to ensure ethical practices.}'}, {id=188601390636, createdAt=1744198475061, updatedAt=1744198475061, 1='{type=string, value=Combative Sports Bond}', 2='{type=string, value=$20,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Required for organizers of combative sports events to ensure adherence to regulations.}'}, {id=188601390637, createdAt=1744198475062, updatedAt=1744198475062, 1='{type=string, value=Contractor License Bonds}', 2='{type=string, value=$100 - $500,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Required by the state and some cities for licensed contractors to ensure compliance with building codes.}'}, {id=188601390638, createdAt=1744198475063, updatedAt=1744198475063, 1='{type=string, value=CPEO Bonds}', 2='{type=string, value=$50,000 - $1,000,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Required for Certified Professional Employer Organizations at the federal level.}'}, {id=188601390639, createdAt=1744198475064, updatedAt=1744198475064, 1='{type=string, value=Credit Repair Services Organization Bond}', 2='{type=string, value=$10,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Ensure credit repair companies adhere to state regulations and protect consumers.}'}, {id=188601390640, createdAt=1744198475065, updatedAt=1744198475065, 1='{type=string, value=DMEPOS (Medicare) Bonds}', 2='{type=string, value=$50,000 - $1,000,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$275}', 7='{type=string, value=Required for suppliers of durable medical equipment participating in Medicare.}'}, {id=188601390641, createdAt=1744198475066, updatedAt=1744198475066, 1='{type=string, value=ERISA Bonds}', 2='{type=string, value=$10,000 - $10,000,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Protect employee benefit and retirement plans managed by fiduciaries.}'}, {id=188601390642, createdAt=1744198475067, updatedAt=1744198475067, 1='{type=string, value=Federal Maritime Commission Bonds}', 2='{type=string, value=$50,000 - $75,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$625}', 7='{type=string, value=Required for Ocean Transportation Intermediaries by the FMC.}'}, {id=188601390643, createdAt=1744198475068, updatedAt=1744198475068, 1='{type=string, value=Fish and Game License Agent Bond}', 2='{type=string, value=$1,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Necessary for agents selling hunting and fishing licenses to ensure proper handling of funds.}'}, {id=188601390644, createdAt=1744198475069, updatedAt=1744198475069, 1='{type=string, value=Freight Broker Bond (BMC-84)}', 2='{type=string, value=$75,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Required by the FMCSA for freight brokers and forwarders in the U.S.}'}, {id=188601390645, createdAt=1744198475070, updatedAt=1744198475070, 1='{type=string, value=Fuel Tax Bonds}', 2='{type=string, value=$1,000 - $800,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Required for fuel sellers to maintain licensing under the IFTA.}'}, {id=188601390646, createdAt=1744198475071, updatedAt=1744198475071, 1='{type=string, value=H-2A Farm Labor Contractor Bonds}', 2='{type=string, value=$5,000 - $150,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$50}', 7='{type=string, value=Required for farm labor employers participating in the H-2A program.}'}, {id=188601390647, createdAt=1744198475072, updatedAt=1744198475072, 1='{type=string, value=Household Pest and Rodent Control Bond}', 2='{type=string, value=$50,000 - $100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$375}', 7='{type=string, value=Ensure pest control companies comply with state regulations.}'}, {id=188601390648, createdAt=1744198475073, updatedAt=1744198475073, 1='{type=string, value=HUD Manufactured Housing Installer Bonds}', 2='{type=string, value=$10,000 - $100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$250}', 7='{type=string, value=Required for installers of manufactured housing under HUD guidelines.}'}, {id=188601390649, createdAt=1744198475074, updatedAt=1744198475074, 1='{type=string, value=Janitorial Cleaning Service Bonds}', 2='{type=string, value=$10,000 - $100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$125}', 7='{type=string, value=Protect clients against employee theft for janitorial services.}'}, {id=188601390650, createdAt=1744198475075, updatedAt=1744198475075, 1='{type=string, value=Lost Instrument Bonds}', 2='{type=string, value=$50 - $10,000,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Required before issuing duplicates of lost financial certificates.}'}, {id=188601390651, createdAt=1744198475076, updatedAt=1744198475076, 1='{type=string, value=Maintenance Bonds}', 2='{type=string, value=Varies}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Protect project owners from damages due to faulty construction post-completion.}'}, {id=188601390652, createdAt=1744198475077, updatedAt=1744198475077, 1='{type=string, value=Medallion Signature Guarantee (STAMP) Bonds}', 2='{type=string, value=$1,000 - $100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Required for participants in the Securities Transfer Agents Medallion Program.}'}, {id=188601390653, createdAt=1744198475078, updatedAt=1744198475078, 1='{type=string, value=Money Transmitter Bond}', 2='{type=string, value=$50,000 - $300,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$750}', 7='{type=string, value=Mandatory for money transmitters to ensure compliance with financial regulations.}'}, {id=188601390654, createdAt=1744198475079, updatedAt=1744198475079, 1='{type=string, value=Mortgage Broker, Banker, and/or Servicer Bond}', 2='{type=string, value=$100,000 - $200,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$750}', 7='{type=string, value=Required for licensed mortgage loan brokers, bankers, or servicers.}'}, {id=188601390655, createdAt=1744198475080, updatedAt=1744198475080, 1='{type=string, value=New Motor Vehicle Dealer Bond}', 2='{type=string, value=$25,000 - $50,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$125}', 7='{type=string, value=Required for dealers selling new vehicles in Arkansas.}'}, {id=188601390656, createdAt=1744198475081, updatedAt=1744198475081, 1='{type=string, value=New Motorcycle, ATV, Scooter, Utility Vehicle or Lessor Bond}', 2='{type=string, value=$25,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Required for dealers selling new motorcycles, ATVs, scooters, utility vehicles, or acting as lessors.}'}, {id=188601390657, createdAt=1744198475082, updatedAt=1744198475082, 1='{type=string, value=North Little Rock Contractor Bond}', 2='{type=string, value=$10,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Mandatory for contractors applying for commercial building permits in North Little Rock.}'}, {id=188601390658, createdAt=1744198475083, updatedAt=1744198475083, 1='{type=string, value=Notary Bond}', 2='{type=string, value=$7,500}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$50}', 7='{type=string, value=Required for individuals who authenticate signatures and administer oaths.}'}, {id=188601390659, createdAt=1744198475084, updatedAt=1744198475084, 1='{type=string, value=Open-Cut Land Reclamation Bond}', 2='{type=string, value=$1,000 - $100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Ensures compliance with land reclamation regulations for open-cut mining operations.}'}, {id=188601390660, createdAt=1744198475085, updatedAt=1744198475085, 1='{type=string, value=Oversize and Overweight Hauling Permit Bond}', 2='{type=string, value=$1,000 - $10,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Required for entities transporting oversize or overweight loads to ensure adherence to permit conditions.}'}, {id=188601390661, createdAt=1744198475086, updatedAt=1744198475086, 1='{type=string, value=Paid Solicitor Bond}', 2='{type=string, value=$10,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$150}', 7='{type=string, value=Necessary for paid solicitors to guarantee ethical fundraising practices.}'}, {id=188601390662, createdAt=1744198475087, updatedAt=1744198475087, 1='{type=string, value=Payment Bonds}', 2='{type=string, value=Varies}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Ensure contractors pay subcontractors and suppliers, especially on public property projects.}'}, {id=188601390663, createdAt=1744198475088, updatedAt=1744198475088, 1='{type=string, value=Performance Bonds}', 2='{type=string, value=Varies}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Guarantee completion of contractual obligations, particularly in large public construction projects.}'}, {id=188601390664, createdAt=1744198475089, updatedAt=1744198475089, 1='{type=string, value=Perpetual Care Cemetery Fidelity Bond}', 2='{type=string, value=$1,000 - $250,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Ensures proper management of funds for perpetual care cemeteries.}'}, {id=188601390665, createdAt=1744198475090, updatedAt=1744198475090, 1='{type=string, value=Private Career Education School Bond}', 2='{type=string, value=$5,000 - $100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$37}', 7='{type=string, value=Required for private career education schools to ensure compliance with state regulations.}'}, {id=188601390666, createdAt=1744198475091, updatedAt=1744198475091, 1='{type=string, value=Private Employment Agency Bond}', 2='{type=string, value=$5,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Ensures private employment agencies adhere to state laws and protect clients.}'}, {id=188601390667, createdAt=1744198475092, updatedAt=1744198475092, 1='{type=string, value=Probate & Estate Bonds}', 2='{type=string, value=Varies}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Required for fiduciaries and estate administrators to ensure fulfillment of legal duties.}'}, {id=188601390668, createdAt=1744198475093, updatedAt=1744198475093, 1='{type=string, value=Process Server Bond}', 2='{type=string, value=$10,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Mandatory for individuals serving legal documents to ensure ethical conduct.}'}, {id=188601390669, createdAt=1744198475094, updatedAt=1744198475094, 1='{type=string, value=Professional Employer Organization Bond}', 2='{type=string, value=$100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$1,000}', 7='{type=string, value=Required for organizations providing employee leasing services to ensure compliance with regulations.}'}, {id=188601390670, createdAt=1744198475095, updatedAt=1744198475095, 1='{type=string, value=Public Official Bonds}', 2='{type=string, value=$1,000 - $2,000,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Ensure public officials perform their duties ethically and in accordance with the law.}'}, {id=188601390671, createdAt=1744198475096, updatedAt=1744198475096, 1='{type=string, value=Residential Roofing Contractor Bond}', 2='{type=string, value=$15,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Required for roofing contractors undertaking projects over $2,000 to ensure compliance with standards.}'}, {id=188601390672, createdAt=1744198475097, updatedAt=1744198475097, 1='{type=string, value=Right of Way Bonds}', 2='{type=string, value=$1,000 - $500,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Necessary before performing construction work on publicly owned right of ways.}'}, {id=188601390673, createdAt=1744198475098, updatedAt=1744198475098, 1='{type=string, value=Scholarship Uniform Lottery Bond}', 2='{type=string, value=$1,000 - $100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$50}', 7='{type=string, value=Required for entities selling lottery tickets or using lottery equipment to ensure proper fund management.}'}, {id=188601390674, createdAt=1744198475099, updatedAt=1744198475099, 1='{type=string, value=State Highway and Transportation Department Contract Bond}', 2='{type=string, value=$1,000 - $100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Ensures contractors fulfill obligations on state highway and transportation projects.}'}, {id=188601390675, createdAt=1744198475100, updatedAt=1744198475100, 1='{type=string, value=Subdivision Bonds}', 2='{type=string, value=$1,000 - $10,000,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Required before initiating construction in subdivisions to ensure completion of public infrastructure.}'}, {id=188601390676, createdAt=1744198475101, updatedAt=1744198475101, 1='{type=string, value=Summer Food Service Program Bond}', 2='{type=string, value=$1,000 - $200,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Ensures compliance with regulations for providers of summer food services to children.}'}, {id=188601390677, createdAt=1744198475102, updatedAt=1744198475102, 1='{type=string, value=Supply Bond}', 2='{type=string, value=$1,000 - $25,000,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Guarantees suppliers fulfill contracts to provide materials or supplies.}'}, {id=188601390678, createdAt=1744198475103, updatedAt=1744198475103, 1='{type=string, value=Surplus Lines Insurance Broker/Producer Bond}', 2='{type=string, value=$50,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$250}', 7='{type=string, value=Required for brokers dealing with surplus lines insurance to ensure compliance with state laws.}'}, {id=188601390679, createdAt=1744198475104, updatedAt=1744198475104, 1='{type=string, value=Third Party Administrator Bond}', 2='{type=string, value=$25,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$250}', 7='{type=string, value=Ensures third-party administrators manage funds and claims in accordance with regulations.}'}, {id=188601390680, createdAt=1744198475105, updatedAt=1744198475105, 1='{type=string, value=Towing and Recovery Bond}', 2='{type=string, value=$50,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$250}', 7='{type=string, value=Required for towing and recovery operators to ensure ethical business practices.}'}, {id=188601390681, createdAt=1744198475106, updatedAt=1744198475106, 1='{type=string, value=TTB Tobacco Bonds}', 2='{type=string, value=$100 - $250,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Mandatory for businesses manufacturing or exporting tobacco products to ensure tax compliance.}'}, {id=188601390682, createdAt=1744198475107, updatedAt=1744198475107, 1='{type=string, value=Used Tire Transporter Bond}', 2='{type=string, value=$10,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Required for transporters of used tires to ensure proper disposal and environmental compliance.}'}, {id=188601390683, createdAt=1744198475108, updatedAt=1744198475108, 1='{type=string, value=USTOA Indemnity Bonds}', 2='{type=string, value=$1,000,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Required for active members of the USTOA $1 Million Travelers Assistance Program to protect consumers.}'}, {id=188601390684, createdAt=1744198475109, updatedAt=1744198475109, 1='{type=string, value=Utility Bond}', 2='{type=string, value=$100 - $100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$40}', 7='{type=string, value=Required by utility companies to ensure timely payment of utility bills by customers.}'}]Blog

California Wildfire Risk and Insurance: What Homeowners and Businesses Need to Know

specify
[{id=187918185375, createdAt=1743000928060, updatedAt=1743005600094, 1='{type=string, value=Sample California Bond}', 2='{type=string, value=Varies}', 3='{type=string, value=#}', 4='{type=string, value=Learn more}', 5='{type=option, value={id=1, name='california', order=0, label='California'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=
Required by the TTB for alcohol-related businesses with annual excise taxes exceeding $50,000.
}'}, {id=187921817602, createdAt=1743001070202, updatedAt=1743005590594, 1='{type=string, value=Sample Arkansas Bond}', 2='{type=string, value=Varies}', 3='{type=string, value=#}', 4='{type=string, value=Learn more...}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Required by the TTB for alcohol-related businesses with annual excise taxes exceeding $50,000.
}'}, {id=187918692102, createdAt=1743004969903, updatedAt=1743005596878, 1='{type=string, value=Sample California Bond 2}', 2='{type=string, value=X}', 5='{type=option, value={id=1, name='california', order=0, label='California'}}', 6='{type=string, value=Lorem ipsum}', 7='{type=string, value=Description goes here and here}'}, {id=188601390617, createdAt=1744198475042, updatedAt=1744198475042, 1='{type=string, value=Alcohol Tax Bonds (Federal/TTB)}', 2='{type=string, value=Varies}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Required by the TTB for alcohol-related businesses with annual excise taxes exceeding $50,000.}'}, {id=188601390618, createdAt=1744198475043, updatedAt=1744198475043, 1='{type=string, value=Appraisal Management Company Bond}', 2='{type=string, value=$20,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$200}', 7='{type=string, value=Necessary for firms overseeing networks of state-licensed appraisers.}'}, {id=188601390619, createdAt=1744198475044, updatedAt=1744198475044, 1='{type=string, value=Arkansas Motor Vehicle Dealer Bonds}', 2='{type=string, value=$25,000 - $50,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$125}', 7='{type=string, value=Mandatory for new and used vehicle dealers and wholesalers.}'}, {id=188601390620, createdAt=1744198475045, updatedAt=1744198475045, 1='{type=string, value=Barber School Bond}', 2='{type=string, value=$10,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Ensures barber schools adhere to contractual and professional obligations.}'}, {id=188601390621, createdAt=1744198475046, updatedAt=1744198475046, 1='{type=string, value=Beauty Pageant Bond}', 2='{type=string, value=$10,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Guarantees that beauty pageant organizers fulfill their contractual commitments.}'}, {id=188601390622, createdAt=1744198475047, updatedAt=1744198475047, 1='{type=string, value=Bid Bonds}', 2='{type=string, value=Varies}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Serve as financial assurance for certain contract bid proposals, especially large-scale projects.}'}, {id=188601390623, createdAt=1744198475048, updatedAt=1744198475048, 1='{type=string, value=Broker-Dealer, Investment Adviser, or Agent of the Issuer Bond}', 2='{type=string, value=$1,000 - $50,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Required for professionals in securities to ensure compliance with regulations.}'}, {id=188601390624, createdAt=1744198475049, updatedAt=1744198475049, 1='{type=string, value=Business Service Bonds}', 2='{type=string, value=$10,000 - $100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$125}', 7='{type=string, value=Protect clients against employee theft and misconduct for businesses operating on client premises.}'}, {id=188601390625, createdAt=1744198475050, updatedAt=1744198475050, 1='{type=string, value=Certificate of Title Bond}', 2='{type=string, value=$100 - $1,000,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Needed for vehicles lacking titles necessary for registration.}'}, {id=188601390626, createdAt=1744198475051, updatedAt=1744198475051, 1='{type=string, value=Child and Adult Care Food Program (CACFP) Bond}', 2='{type=string, value=$1,000 - $150,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Ensure compliance with CACFP regulations for meal service providers.}'}, {id=188601390627, createdAt=1744198475052, updatedAt=1744198475052, 1='{type=string, value=Cigarette Stamp Deputy Bond}', 2='{type=string, value=$1,000 - $100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Required for deputies overseeing cigarette stamp distribution and compliance.}'}, {id=188601390628, createdAt=1744198475053, updatedAt=1744198475053, 1='{type=string, value=City of Maumelle Solicitor Bond}', 2='{type=string, value=$1,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Necessary for solicitors operating within Maumelle to ensure adherence to local ordinances.}'}, {id=188601390629, createdAt=1744198475054, updatedAt=1744198475054, 1='{type=string, value=City of Texarkana License and Permit Bond}', 2='{type=string, value=$2,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Required for businesses in Texarkana to guarantee compliance with municipal regulations.}'}, {id=188601390630, createdAt=1744198475055, updatedAt=1744198475055, 1='{type=string, value=CLB Commercial Contractor License Bond}', 2='{type=string, value=$10,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Mandatory for contractors undertaking commercial projects valued at $50,000 or more.}'}, {id=188601390631, createdAt=1744198475056, updatedAt=1744198475056, 1='{type=string, value=CLB Financial Statement Contractor Bond}', 2='{type=string, value=$50,000 - $500,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$375}', 7='{type=string, value=For contractors unable to provide financial statements meeting state net worth criteria.}'}, {id=188601390632, createdAt=1744198475057, updatedAt=1744198475057, 1='{type=string, value=CLB Subcontractor License Bond}', 2='{type=string, value=$10,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Required for subcontractors with contracts of $2,000 or more with unlicensed contractors.}'}, {id=188601390633, createdAt=1744198475058, updatedAt=1744198475058, 1='{type=string, value=Coin Operated Amusement Machine Operator Bond}', 2='{type=string, value=$6,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Necessary for operators of coin-operated amusement machines.}'}, {id=188601390634, createdAt=1744198475059, updatedAt=1744198475059, 1='{type=string, value=Coin Operated Cigarette Machine Operator’s Bond}', 2='{type=string, value=$2,000 - $6,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$50}', 7='{type=string, value=Required for operators of coin-operated cigarette machines to ensure regulatory compliance.}'}, {id=188601390635, createdAt=1744198475060, updatedAt=1744198475060, 1='{type=string, value=Collection Agency Bond}', 2='{type=string, value=$10,000 - $25,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Mandatory for entities collecting debts to ensure ethical practices.}'}, {id=188601390636, createdAt=1744198475061, updatedAt=1744198475061, 1='{type=string, value=Combative Sports Bond}', 2='{type=string, value=$20,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Required for organizers of combative sports events to ensure adherence to regulations.}'}, {id=188601390637, createdAt=1744198475062, updatedAt=1744198475062, 1='{type=string, value=Contractor License Bonds}', 2='{type=string, value=$100 - $500,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Required by the state and some cities for licensed contractors to ensure compliance with building codes.}'}, {id=188601390638, createdAt=1744198475063, updatedAt=1744198475063, 1='{type=string, value=CPEO Bonds}', 2='{type=string, value=$50,000 - $1,000,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Required for Certified Professional Employer Organizations at the federal level.}'}, {id=188601390639, createdAt=1744198475064, updatedAt=1744198475064, 1='{type=string, value=Credit Repair Services Organization Bond}', 2='{type=string, value=$10,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Ensure credit repair companies adhere to state regulations and protect consumers.}'}, {id=188601390640, createdAt=1744198475065, updatedAt=1744198475065, 1='{type=string, value=DMEPOS (Medicare) Bonds}', 2='{type=string, value=$50,000 - $1,000,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$275}', 7='{type=string, value=Required for suppliers of durable medical equipment participating in Medicare.}'}, {id=188601390641, createdAt=1744198475066, updatedAt=1744198475066, 1='{type=string, value=ERISA Bonds}', 2='{type=string, value=$10,000 - $10,000,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Protect employee benefit and retirement plans managed by fiduciaries.}'}, {id=188601390642, createdAt=1744198475067, updatedAt=1744198475067, 1='{type=string, value=Federal Maritime Commission Bonds}', 2='{type=string, value=$50,000 - $75,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$625}', 7='{type=string, value=Required for Ocean Transportation Intermediaries by the FMC.}'}, {id=188601390643, createdAt=1744198475068, updatedAt=1744198475068, 1='{type=string, value=Fish and Game License Agent Bond}', 2='{type=string, value=$1,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Necessary for agents selling hunting and fishing licenses to ensure proper handling of funds.}'}, {id=188601390644, createdAt=1744198475069, updatedAt=1744198475069, 1='{type=string, value=Freight Broker Bond (BMC-84)}', 2='{type=string, value=$75,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Required by the FMCSA for freight brokers and forwarders in the U.S.}'}, {id=188601390645, createdAt=1744198475070, updatedAt=1744198475070, 1='{type=string, value=Fuel Tax Bonds}', 2='{type=string, value=$1,000 - $800,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Required for fuel sellers to maintain licensing under the IFTA.}'}, {id=188601390646, createdAt=1744198475071, updatedAt=1744198475071, 1='{type=string, value=H-2A Farm Labor Contractor Bonds}', 2='{type=string, value=$5,000 - $150,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$50}', 7='{type=string, value=Required for farm labor employers participating in the H-2A program.}'}, {id=188601390647, createdAt=1744198475072, updatedAt=1744198475072, 1='{type=string, value=Household Pest and Rodent Control Bond}', 2='{type=string, value=$50,000 - $100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$375}', 7='{type=string, value=Ensure pest control companies comply with state regulations.}'}, {id=188601390648, createdAt=1744198475073, updatedAt=1744198475073, 1='{type=string, value=HUD Manufactured Housing Installer Bonds}', 2='{type=string, value=$10,000 - $100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$250}', 7='{type=string, value=Required for installers of manufactured housing under HUD guidelines.}'}, {id=188601390649, createdAt=1744198475074, updatedAt=1744198475074, 1='{type=string, value=Janitorial Cleaning Service Bonds}', 2='{type=string, value=$10,000 - $100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$125}', 7='{type=string, value=Protect clients against employee theft for janitorial services.}'}, {id=188601390650, createdAt=1744198475075, updatedAt=1744198475075, 1='{type=string, value=Lost Instrument Bonds}', 2='{type=string, value=$50 - $10,000,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Required before issuing duplicates of lost financial certificates.}'}, {id=188601390651, createdAt=1744198475076, updatedAt=1744198475076, 1='{type=string, value=Maintenance Bonds}', 2='{type=string, value=Varies}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Protect project owners from damages due to faulty construction post-completion.}'}, {id=188601390652, createdAt=1744198475077, updatedAt=1744198475077, 1='{type=string, value=Medallion Signature Guarantee (STAMP) Bonds}', 2='{type=string, value=$1,000 - $100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Required for participants in the Securities Transfer Agents Medallion Program.}'}, {id=188601390653, createdAt=1744198475078, updatedAt=1744198475078, 1='{type=string, value=Money Transmitter Bond}', 2='{type=string, value=$50,000 - $300,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$750}', 7='{type=string, value=Mandatory for money transmitters to ensure compliance with financial regulations.}'}, {id=188601390654, createdAt=1744198475079, updatedAt=1744198475079, 1='{type=string, value=Mortgage Broker, Banker, and/or Servicer Bond}', 2='{type=string, value=$100,000 - $200,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$750}', 7='{type=string, value=Required for licensed mortgage loan brokers, bankers, or servicers.}'}, {id=188601390655, createdAt=1744198475080, updatedAt=1744198475080, 1='{type=string, value=New Motor Vehicle Dealer Bond}', 2='{type=string, value=$25,000 - $50,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$125}', 7='{type=string, value=Required for dealers selling new vehicles in Arkansas.}'}, {id=188601390656, createdAt=1744198475081, updatedAt=1744198475081, 1='{type=string, value=New Motorcycle, ATV, Scooter, Utility Vehicle or Lessor Bond}', 2='{type=string, value=$25,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Required for dealers selling new motorcycles, ATVs, scooters, utility vehicles, or acting as lessors.}'}, {id=188601390657, createdAt=1744198475082, updatedAt=1744198475082, 1='{type=string, value=North Little Rock Contractor Bond}', 2='{type=string, value=$10,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Mandatory for contractors applying for commercial building permits in North Little Rock.}'}, {id=188601390658, createdAt=1744198475083, updatedAt=1744198475083, 1='{type=string, value=Notary Bond}', 2='{type=string, value=$7,500}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$50}', 7='{type=string, value=Required for individuals who authenticate signatures and administer oaths.}'}, {id=188601390659, createdAt=1744198475084, updatedAt=1744198475084, 1='{type=string, value=Open-Cut Land Reclamation Bond}', 2='{type=string, value=$1,000 - $100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Ensures compliance with land reclamation regulations for open-cut mining operations.}'}, {id=188601390660, createdAt=1744198475085, updatedAt=1744198475085, 1='{type=string, value=Oversize and Overweight Hauling Permit Bond}', 2='{type=string, value=$1,000 - $10,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Required for entities transporting oversize or overweight loads to ensure adherence to permit conditions.}'}, {id=188601390661, createdAt=1744198475086, updatedAt=1744198475086, 1='{type=string, value=Paid Solicitor Bond}', 2='{type=string, value=$10,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$150}', 7='{type=string, value=Necessary for paid solicitors to guarantee ethical fundraising practices.}'}, {id=188601390662, createdAt=1744198475087, updatedAt=1744198475087, 1='{type=string, value=Payment Bonds}', 2='{type=string, value=Varies}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Ensure contractors pay subcontractors and suppliers, especially on public property projects.}'}, {id=188601390663, createdAt=1744198475088, updatedAt=1744198475088, 1='{type=string, value=Performance Bonds}', 2='{type=string, value=Varies}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Guarantee completion of contractual obligations, particularly in large public construction projects.}'}, {id=188601390664, createdAt=1744198475089, updatedAt=1744198475089, 1='{type=string, value=Perpetual Care Cemetery Fidelity Bond}', 2='{type=string, value=$1,000 - $250,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Ensures proper management of funds for perpetual care cemeteries.}'}, {id=188601390665, createdAt=1744198475090, updatedAt=1744198475090, 1='{type=string, value=Private Career Education School Bond}', 2='{type=string, value=$5,000 - $100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$37}', 7='{type=string, value=Required for private career education schools to ensure compliance with state regulations.}'}, {id=188601390666, createdAt=1744198475091, updatedAt=1744198475091, 1='{type=string, value=Private Employment Agency Bond}', 2='{type=string, value=$5,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Ensures private employment agencies adhere to state laws and protect clients.}'}, {id=188601390667, createdAt=1744198475092, updatedAt=1744198475092, 1='{type=string, value=Probate & Estate Bonds}', 2='{type=string, value=Varies}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Required for fiduciaries and estate administrators to ensure fulfillment of legal duties.}'}, {id=188601390668, createdAt=1744198475093, updatedAt=1744198475093, 1='{type=string, value=Process Server Bond}', 2='{type=string, value=$10,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Mandatory for individuals serving legal documents to ensure ethical conduct.}'}, {id=188601390669, createdAt=1744198475094, updatedAt=1744198475094, 1='{type=string, value=Professional Employer Organization Bond}', 2='{type=string, value=$100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$1,000}', 7='{type=string, value=Required for organizations providing employee leasing services to ensure compliance with regulations.}'}, {id=188601390670, createdAt=1744198475095, updatedAt=1744198475095, 1='{type=string, value=Public Official Bonds}', 2='{type=string, value=$1,000 - $2,000,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Ensure public officials perform their duties ethically and in accordance with the law.}'}, {id=188601390671, createdAt=1744198475096, updatedAt=1744198475096, 1='{type=string, value=Residential Roofing Contractor Bond}', 2='{type=string, value=$15,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Required for roofing contractors undertaking projects over $2,000 to ensure compliance with standards.}'}, {id=188601390672, createdAt=1744198475097, updatedAt=1744198475097, 1='{type=string, value=Right of Way Bonds}', 2='{type=string, value=$1,000 - $500,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Necessary before performing construction work on publicly owned right of ways.}'}, {id=188601390673, createdAt=1744198475098, updatedAt=1744198475098, 1='{type=string, value=Scholarship Uniform Lottery Bond}', 2='{type=string, value=$1,000 - $100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$50}', 7='{type=string, value=Required for entities selling lottery tickets or using lottery equipment to ensure proper fund management.}'}, {id=188601390674, createdAt=1744198475099, updatedAt=1744198475099, 1='{type=string, value=State Highway and Transportation Department Contract Bond}', 2='{type=string, value=$1,000 - $100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Ensures contractors fulfill obligations on state highway and transportation projects.}'}, {id=188601390675, createdAt=1744198475100, updatedAt=1744198475100, 1='{type=string, value=Subdivision Bonds}', 2='{type=string, value=$1,000 - $10,000,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Required before initiating construction in subdivisions to ensure completion of public infrastructure.}'}, {id=188601390676, createdAt=1744198475101, updatedAt=1744198475101, 1='{type=string, value=Summer Food Service Program Bond}', 2='{type=string, value=$1,000 - $200,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Ensures compliance with regulations for providers of summer food services to children.}'}, {id=188601390677, createdAt=1744198475102, updatedAt=1744198475102, 1='{type=string, value=Supply Bond}', 2='{type=string, value=$1,000 - $25,000,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Guarantees suppliers fulfill contracts to provide materials or supplies.}'}, {id=188601390678, createdAt=1744198475103, updatedAt=1744198475103, 1='{type=string, value=Surplus Lines Insurance Broker/Producer Bond}', 2='{type=string, value=$50,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$250}', 7='{type=string, value=Required for brokers dealing with surplus lines insurance to ensure compliance with state laws.}'}, {id=188601390679, createdAt=1744198475104, updatedAt=1744198475104, 1='{type=string, value=Third Party Administrator Bond}', 2='{type=string, value=$25,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$250}', 7='{type=string, value=Ensures third-party administrators manage funds and claims in accordance with regulations.}'}, {id=188601390680, createdAt=1744198475105, updatedAt=1744198475105, 1='{type=string, value=Towing and Recovery Bond}', 2='{type=string, value=$50,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$250}', 7='{type=string, value=Required for towing and recovery operators to ensure ethical business practices.}'}, {id=188601390681, createdAt=1744198475106, updatedAt=1744198475106, 1='{type=string, value=TTB Tobacco Bonds}', 2='{type=string, value=$100 - $250,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Mandatory for businesses manufacturing or exporting tobacco products to ensure tax compliance.}'}, {id=188601390682, createdAt=1744198475107, updatedAt=1744198475107, 1='{type=string, value=Used Tire Transporter Bond}', 2='{type=string, value=$10,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Required for transporters of used tires to ensure proper disposal and environmental compliance.}'}, {id=188601390683, createdAt=1744198475108, updatedAt=1744198475108, 1='{type=string, value=USTOA Indemnity Bonds}', 2='{type=string, value=$1,000,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Required for active members of the USTOA $1 Million Travelers Assistance Program to protect consumers.}'}, {id=188601390684, createdAt=1744198475109, updatedAt=1744198475109, 1='{type=string, value=Utility Bond}', 2='{type=string, value=$100 - $100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$40}', 7='{type=string, value=Required by utility companies to ensure timely payment of utility bills by customers.}'}]Resources

State of the Market
We invite you to explore our 2025 Initial Outlook and 2024 Wrap-Up,
