Commercial Surety Bonds

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Types of Commercial Surety Bonds

There are several types of commercial surety bonds required of individuals or businesses by legislation, the government or other entities. They are designed to protect the public, prevent financial losses, regulate markets, and safeguard against fraud and unethical business dealings. The following are common types of commercial surety bonds:

License and Permit Bonds

In order to comply with federal, state or municipal ordinances or regulations, these bonds may be required as a condition to obtain permits or licenses necessary to engage in a particular business or exercise a particular privilege. These bonds guarantee that the person or company seeking the license or permit is able to do what the license or permit states; will comply with all laws, regulations and codes related to the project or action; and – in some cases – will be liable if a third party is injured or sustains damage due to the project or action.

Examples of license and permit bonds include performance and payment bonds, customs bonds, tax bonds, warehouse bonds, auto dealer bonds, mortgage lender bonds, mortgage broker bonds and contractor license bonds.

Court Bonds or Judicial Bonds

当有人追求一个动作在法庭上法院bonds or judicial bonds may be required of either a plaintiff or defendant in judicial proceedings. These bonds may be used to reserve the rights of the opposing litigant or other interested parties and ensure costs related to the lawsuit or legal action can be paid. These bonds include, but are not limited to, bail bonds, appeal bonds, attachment bonds, injunction bonds and replevin bonds (which deal with possession of assets and return of assets based on court decisions).

信托债券

These surety bonds are required of those who administer a trust under court supervision. They protect heirs, beneficiaries and creditors in case a fiduciary performs dishonestly, negligently or incompetently, causing a loss of assets or other damages. Examples include executor bonds, trustee bonds, administrator bonds, conservatorship bonds, personal representative bonds and guardianship bonds.

Public Official Bonds

法规要求某些公职人员要求这些债券。这些债券保护公众免受官员或官员未能忠实履行职责的破坏。尽管这些职责可能因职位和适用法律而有所不同，但公职人员有义务始终为公众的最大利益行事，并将对该职位的职责和责任承担个人责任。在大多数情况下，需要这些债券才能使个人担任职务。

可能需要保证金的公职人员包括：

• 司库和员工
• 收税员和雇员
• 邮政工人
• Town supervisors
• 警长，代表和警官
• Judges and court clerks

公职债券各州，城镇，村庄和市政当局，州立大学，大学，学区，警长部门，法院办公室和联邦政府可能需要。

杂物

这些债券不适合上述其他类别。它们通常用于满足私人关系和独特的业务关系的需求。例子包括工资和福利债券，公用事业债券，对自保雇员的工人赔偿，工会债券，丢失的证券债券和危险废物清除债券。