Barth Howard Homeowners Insurance and Auto Insurance in San Ramon, California 

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Surety Bond Program


I am an appointed agent of CNA Surety who is recognized as the leader in the surety industry with expertise in a variety of bonds.


Consideration can be given to underwrite almost any type of bond required.


Bid Bonds Fiduciary Bonds Pension/Trust (ERISA) Bonds
Bankruptcy Trustee Bonds Indemnity Bonds Performance Bonds
Commercial Bonds Janitorial Services Bonds Public Official Bonds
Contract Bonds License and Permit Bonds Subdivision Bonds 
Court & Probate Bonds Maintenance Bonds Supply Bonds 
Employee Dishonesty Bonds Notary Public Bonds Tax Preparers
Fidelity Bonds Payment Bonds  


A bond covers the fulfillment of an obligation. The obligations can range from performance of a contract to following laws related to an operating license. Other obligations include paying taxes or lease fees, supplying goods, paying a court judgment, performing duties as a public official, etc.


We are ready to provide the backing needed to meet your business or personal bond needs.


Contract Bonds: 

  Contract Bonds are designed to guarantee the performance of obligations under a contract. These bonds guarantee the obligee that the principal will perform according to the terms of a written contract. Construction contracts constitute most of these bonds and protect a project owner by guaranteeing a contractor's performance and payment for labor and materials. Construction lenders are also indirectly assured that the project will proceed and be completed in accordance with the terms of the contract.

   download application pdf    FAX APPLICATIONS BACK TO (866)324-4996

Bid Bonds

Bid bonds guarantee that a contractor will enter into a contract at the amount bid and post the appropriate performance bonds. These bonds are used by owners to pre-qualify contractors submitting proposals on contracts. These bonds provide financial assurance that the bid has been submitted in good faith and that the contractor will enter into a contract at the price bid.

Maintenance Bonds

Maintenance bonds provide for the upkeep of the project for a specified period of time after a project is completed. These bonds guarantee against defective workmanship or materials. These bonds may occasionally include a guarantee of "efficient or successful operation" or other obligations.


Payment Bonds

Payment bonds guarantee payment of the contractor's obligation under the contract for subcontractors, laborers, and materials supplier. Since liens may not be placed on public jobs, the payment bond may be the only protection for those supplying labor or materials to a public project.

Performance Bonds

Performance bonds guarantee performance of the terms of a contract. These bonds frequently incorporate payment bond (labor and materials) and maintenance bond liability. This protects the owner from financial loss should the contractor fail to perform the contract in accordance with its terms and conditions.

    Subdivision Bonds

Bonds given by realty operators or others to a county or municipality guaranteeing to construct or finance improvements such as streets, sidewalks, curbing, gutter, sewer, water, drainage, etc. This bond may also be used to guarantee payment of taxes or other assessments.


Supply Bonds

Supply bonds guarantee performance of a contract to furnish supplies or materials. In the event of a default by the supplier, the surety indemnifies the purchaser of the supplies against the resulting loss.


Commercial Bonds:

  A general classification of bonds that refers to all bonds other than contract and performance bonds. Commercial bonds cover obligations typically required by law or regulation. Each bond is unique to the circumstances at hand.



Bankruptcy Trustee Bonds

Bonds which provide protection to the beneficiaries of the bankruptcy action that the bonded trustees, appointed in a bankruptcy proceeding, will perform their duties and handle the affairs according to the rulings of the court.

   Common types of bankruptcies are:

             Chapter 7: calls for the "liquidation" of a business and allows for the sale

                              of the assets to pay outstanding debts.

             Chapter 11: calls for the "reorganization" of a business and the debtor

                              remains in possession of the assets after the filing of a plan

                              for the reorganization.


Court & Probate Bonds

Probate bonds guarantee an honest accounting and faithful performance of duties by administrators, trustees, guardians, executors, and other fiduciaries. Probate bonds are required by statutes, courts, or legal documents for the protection of those on whose behalf a fiduciary acts. They are needed under a variety of circumstances including the administration of an estate and the management of affairs of a trust or a ward.


Fiduciary Bonds

Bonds which protect against dishonest accountings and a lack of faithful performance of duties by administrators, trustees, guardians, executors, and other fiduciaries. Fiduciary bonds, in some cases referred to as probate bonds, are required by statutes, courts, or legal documents for the protection of those on whose behalf a fiduciary acts. They are needed under a variety of circumstances, including the administration of an estate and the management of affairs of a trust or a ward.


Indemnity Bonds

Bonds that guarantee repayment in the event of a loss.


License and Permit Bonds

License and Permit are required to obtain a license or a permit in any city, county, state, or other political subdivision. These bonds guarantee whatever the underlying statute, state law, municipal ordinance, or regulation requires. They may be required for a number of reasons, including the payment of certain taxes and fees providing consumer protection as a condition to granting licenses related to selling real estate or motor vehicles and contracting services.

Notary Public Bonds

Notary bonds are required by statutes to protect against losses resulting from the improper actions of notaries. 

Click here for Notary Public Errors & Omissions insurance.

Public Official Bonds

To protect the interests of taxpayers and consumers, many public officials are required to be bonded by statute or ordinance. CNA Surety's public official bonds guarantee that a public official will handle money or other assets entrusted to him or her with honesty. The bond may also guarantee that the official faithfully performs his or her duties.


Fidelity Bonds:

  Employee theft can deliver a striking blow to a business. According to a national survey,

one-third of all employees admitted stealing from their employers during the previous year. Fidelity Bonds guarantee that the bonded employee(s) won't steal, but will handle their employer's money and property with fidelity.


  FAX APPLICATIONS TO (866)324-4996


 Janitorial Services Bond Application pdf

Do you provide janitorial services to other businesses? You know how vulnerable your employees are to employee dishonesty. After all, your employees have access to customers' assets, equipment, supplies and personal belongings. Your employees are easy targets for blame. Any customer who finds something missing is likely to suspect those who do the cleaning. The fact is dishonest employees can significantly damage your business. This bond is specifically designed to provide you protection. You may have good luck and never have problems with a dishonest employee; but you will rest easier knowing you are covered.


 Employee Dishonesty Bond Application pdf

Employee Dishonesty Bonds guarantee that the bonded employee(s) will handle their employer's money and property with fidelity. Small companies can be especially hard hit because they can't afford extensive safeguards and do not have the financial capacity to absorb the losses.


 Pension/Trust (ERISA) Bond Application pdf

Pension Plans and profit sharing programs are managed by appointed individuals known as plan fiduciaries. The Pension Reform Act of 1974 states that the fiduciaries of a pension or profit sharing fund are required to post a bond for 10% of the amount of funds handled.




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Representative of top-rated insurance companies: Farmers Insurance Group, Blue Cross, New World Life, Foremost, CNA, United States Liability

Selling fire, homeautos, umbrella, Boats, life, business, commercial auto, earthquake, & flood.   California Insurance Agency directly serving the

entire State Of California and the communities of Alamo, Blackhawk, Danville, Dublin, Pleasanton, San Ramon, and greater SanFrancisco Eastbay

(All of California and zip codes 94506, 94507, 94526, 94566, 94568, 94582, 94583, 95688)