Commercial and Surety Bonds


If you find that securing commercial bonds is a confusing aspect of doing business, don’t be too hard on yourself: It’s a pretty complex financial niche that can stump even highly experienced insurance professionals. So much so that some insurance agencies don’t handle bonds at all.

At Gilbert’s Risk Solutions, because we take a risk management approach to your business and want you to rely on us as your trusted partner, we’ve made it our business to understand the ins and outs of bonds. In fact, some of our multi-state clients require hundreds of bonds for every state and municipality they do business in: Surety Bonds, License and Permit Bonds, Payment and Performance Bonds, and more.


Whether you’re a large manufacturing enterprise operating in multiple states, a mid-size contractor working on public or commercial properties or a local “Main Street” retailer, you are likely to need some form of commercial bonds. We’re licensed and ready to serve in 49 of the 50 states!


While we’re proud to call Pennsylvania our home, we’ve helped businesses all across the country manage their risk and we look forward to helping you, too – no matter where it is that you call home.

Common types of bonds include:


  • Bid Bonds
  • Performance & Payment Bonds
  • Supply Bonds
  • Maintenance Bonds
  • License Bonds
  • Permit Bonds
  • Liquor Bonds
  • Auto Dealer Bonds
  • Judicial Bonds
  • Fidelity Bonds
  • ERISA Bonds

Our goal is to be your outsourced risk management partner

Business owners know that there’s always something that can go wrong.  Whether it’s a production delay due to a problem in the supply chain or a worker injury on the plant floor, you need to protect your operations, your productivity, and your bottom line. Gilbert’s Risk Solutions can help.

Let us help you secure your commercial and surety bonds

Some bonds are statutory in nature, required by federal, state or local law; some bonds are required as a licensing mechanism by certain professions; some bonds are required by business contracts; still other bonds are an optional form of protection for your business. There are literally hundreds of types of bonds, which vary by location and by industry sector. Bonds are complex and contractual in nature: We understand them very well and have a team of bond and contract experts who will work on your behalf.

Surety bonds: Contracts

Contract Bonds are an everyday part of business in the construction industry, particularly but not exclusively on public projects. Some of the most common Contract Bonds include: Bid Bonds; Performance & Payment Bonds; Supply Bonds.

Surety Bonds: Commercial

There are several types of commercial bonds. Among the most common are License and Permit bonds. Examples: An auto dealer might need a License Bond to do business; a hospitality venue might require a Liquor Bond.

Fidelity bonds

These are sometimes called “employee dishonesty” bonds. There are numerous types of fidelity bonds, but they are all designed to protect your interests should an employee intentionally or unintentionally cause harm to your organization.  ERISA bonds are a mandatory fidelity bond required to protect employee benefit and retirement plans against losses caused by acts of fraud or dishonesty.