A labour and material payment bond can protect eligible claimants when the bonded contractor does not pay amounts covered by the bond. Eligibility and deadlines depend on the actual document and applicable requirements.
A.M. Fredericks UnderwritingABEX o/b Affiliated Broker Exchange
Allianz Global RisksAmbri AssuranceApril Canada Inc.April MarineArthur J. Gallagher & Co
AVRO Insurance ManagersBeazley Canada LimitedBerkley Insurance CompanyBlueCross BlueShield
Burns & Wilcox CanadaCAA InsuranceCAN - Continental Insurance
Cansure Underwriting LtdCaradoc Townsend MutualChes Special Risk Inc.Chubb InsuranceChutter Underwriting Services
Core Underwriting ServicesDefinityDesjardins Financial Security Investments Inc.
Dominion of Canada/Travelers/Travelers EssentialEagle Underwriting Group Inc.Echelon
Excess Underwriting Corp.Facility Association
Forward InsuranceGlobal Aerospace Underwriting
Great-West LifeGroupAssureGroupOne Insurance
HDI Global Specialty SE
IA Excellence Life Insurance
INGLE International
Intact Public Entities
La CapitaleLiberty International CanadaLynx Insurance UnderwritersMarkel
NorthbridgeOld Republic
Optiom
PAL Insurance Brokers Canada
Premier Canada AssurancePremier MarinePremium Marine
Revolution Advanced Underwriting
SignalSignature Risks
South Western GroupSovereign GeneralSpecial Risk InsuranceSports & Fitness InsuranceSSQ AssuranceStarr Technical RisksStrategic UnderwritingSummit Underwriting Group Inc.The Boiler Inspection and Indemnity Company (BI&I)
The Totten Insurance GroupTrans Canada
TravelersTrinity Underwriting
Unique Risks
Victor Insurance
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A practical comparison guide
Keep purchase orders, subcontracts, invoices and delivery records organized by project. Read who qualifies as a claimant and which notices are required. Do not assume that a lien deadline and a bond claim deadline are identical. If payment is disputed, obtain advice promptly rather than waiting for a project to finish.
Before requesting terms, identify the party requiring the bond, the exact obligation and the approved form. Ask about underwriting information, indemnity commitments, collateral if applicable, and how cancellation or release works. Keep written confirmation of acceptance. A quotation, application or payment receipt is not the same as an issued and accepted bond.
Use current documents. If a detail is uncertain, identify it for the provider instead of guessing.
Not automatically. The bond defines eligible claimants, covered amounts and procedural requirements. Obtain the issued bond and confirm how your contractual relationship fits its wording.
For a bond, the obligation, financial position, experience and required wording are part of the discussion. Ask for all costs and indemnity requirements before proceeding. Acceptance is subject to the surety and obligee.
Insurance Genie helps you prepare an insurance enquiry. A participating licensed professional must confirm availability and the terms of any proposal. For legal or contractual obligations, obtain advice from the appropriate qualified adviser.
Discuss my requirements →Further reading: Surety Association of Canada guidance. Check the current document and your own policy or bond wording. This page is general information, not an issued policy or bond.
Be prepared
Hypothetical situations to help you prepare questions—not actual client claims or promises of coverage.
Scenario: The party protected by a bond alleges the principal failed to meet the bonded obligation.
What happens next: Review the specific bond and contract before action. The surety investigates the claim and the parties’ compliance; payment is not automatic.
Scenario: A potential claimant needs to notify the surety.
What happens next: Check who may claim, required documents, notice method and deadlines in the actual bond. Different bond forms have different requirements.
Scenario: The surety requests supporting records.
What happens next: Provide the relevant contract, correspondence and evidence. Indemnity obligations may allow recovery from the principal or indemnitors.
Actual outcomes depend on the facts and applicable wording. Read claims guidance · Ask about the next step
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