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Contract Bonds are credit guarantees that a contractor will perform the work contracted and pay subs and suppliers. If the contractor defaults the bonding company is obligated to finish the contract. To qualify for bonding a contractor must demonstrate good management Zbynek Michalek Czech Republic Jersey , financial strength, profitability and a history of honesty and prompt performance of obligations.
Four Steps To Get The Bond Capacity You Need
1) Assemble Your Bond Team
Accountant- Surety companies want independent financial verification. As job size increases, they want reviewed-even audited annual financial statements. Get a CPA familiar with construction accounting.
Attorney- Some contracts you just should not sign no matter how badly you need the business or how profitable you think they are. One-sided contracts and fine print can kill a business. Get an attorney to review construction contracts and liability clauses.
Banker- Surety companies understand and encourage contingency financing for emergencies or temporary working capital. Get a banker that understand lending and the rights of sureties in your construction field.
Bonding and Insurance Agent- Sometimes an insurance agent has expertise in both construction insurance as well as bonding however sometimes it is best to separate these functions if it means getting the bond capacity you need. As independent businessmen and through their contacts and connections bonding agents are in a unique position to introduce you to accountants, attorneys and bankers with the experience you need.
2) Personally Meet The Bond Underwriter
A good bond agent will make sure you personally meet the underwriter at least once per year. No amount of financial analysis can substitute for onsite visits and assessments of the owner and company.
3) Maintain The Surety Relationship
Continual communication between contractor Michal Kempny Czech Republic Jersey , agent and surety are essential. Depending on the frequency a bond is needed, expect to forward financial information semi-annually or even quarterly including Job Status Report and Work in Process Report.
4) Stick To Your Business Plan
If you and the bonding company have agreed to a bonding program (called a bond line) based on your submitted business plan, application, financials Michal Jordan Czech Republic Jersey , volume and expertise, any bond requests that vary from your agreement or plan could be declined and raise questions about bonding future work. Some examples are bidding work outside your customary expertise, geographic area or bidding single jobs which equal or are greater than the total annual gross contract sales.

Contract Bonds are credit guarantees that a contractor will perform the work contracted and pay subs and suppliers. If the contractor defaults the bonding company is obligated to finish the contract. To qualify for bonding a contractor must demonstrate good management, financial strength Radko Gudas Czech Republic Jersey , profitability and a history of honesty and prompt performance of obligations.


Surety Bond Agent Mark Strange Reveals Tips For Contractors To Maintain And Expand Bond Credit.

HTC now offers three phones in the U11 series: the original 5.5-inch HTC U11 we liked, the affordable 5.2-inch HTC U11 Life and the top-end 6-inch HTC U11 +. Does this latest flagship model provide enough to justify the high price tag? The HTC U11 + has the reflection of its predecessor on the back, which has a hypnotic effect, sometimes slate gray and black in others. It's the perfect back plate for narcissists since it provides great reflection Ondrej Pavelec Czech Republic Jersey , but I found it rather slippery and also a very efficient fingerprint magnet.


The power and volume buttons stay in the same place as the HTC U11 on the right side. However, the home button fingerprint scanner below the screen is set in favor of a circle sensor on the back. For larger handheld devices, a rear fingerprint sensor is preferable because it greatly simplifies one-hand operation. This is a tall, slim handset with a screen with an aspect ratio of 18: 9 Michal Neuvirth Czech Republic Jersey , which is different from the 16: 9 HTC U11, which are 75.9 mm wide and 153.9 mm high and 7.9 mm thick. In contrast, the HTC U11 + is slimmer (74.9 mm), larger (158.5 mm) and thicker (8.5 mm). It's also heavier - 188 g compared to 160 g for the U11.


The black front panel with its minimal side and small upper and lower bezels looks rather boring Petr Mrazek Czech Republic Jersey , and the HTC logo on the back of the phone gives it little distinctive. It is worth noting that the IP rating of the HTC U11 has increased from IP67 to U68 + from IP68. This means that the dust resistance remains unchanged while the waterproofness improves.


The 6-inch display has a resolution of 1,440