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Small & Emerging Contractors


Becoming a Member

The Surety & Fidelity Association of America (SFAA) is licensed as a Rating or Advisory Organization in all U.S. jurisdictions and also acts as a statistical agent for the collection and reporting of experience for the fidelity and surety lines of business. In addition, SFAA is the trade association for insurers writing fidelity and surety bonds, acting on behalf of its members in a variety of arenas.

Membership in The Surety & Fidelity Association of America is open to companies that are licensed to engage in the business of surety or fidelity bonding, or as a reinsurer. Alien companies that are not so licensed may become foreign affiliates.

The overall objectives of SFAA are as follows:

  • Provide a forum for the discussion of topics of common interest to members (excluding pricing of coverage and other information which may tend to reduce competition among companies in the business of surety of fidelity bonding;
  • Monitor and report to members on legislative, regulatory and judicial developments;
  • Present the Association's position on issues to legislatures, agencies, courts and other trade associations and promote the interests of Members in Every legitimate manner consistent with the public welfare;
  • Engage in educational activities and communications programs designed to promote public understanding of and confidence in the surety and fidelity bonding industries and products, including support of and participation in joint ventures and educational activities;
  • Collect loss cost, expense, statistical and other historical data and make it available in averaged or composite form and file such data with the appropriate regulatory officials where required by law; prepare and distribute manuals of loss costs, rules and other supplementary information as permitted by law.  Members may, but are not required to, adhere to and use such rules and loss costs;
  • Make proper classifications of risks;
  • Develop and prepare on an advisory basis only, forms, coverages and endorsements for policies, bonds and other forms for use by Members and carry on research relative to the development and preparation of such forms.  Members may, but are not required to, adhere to and use such forms;
  • Where required by law, file with the appropriate regulatory officials for their information and/or approval all policy, bond and other forms developed by the Association. Members are not required to adopt such filings and may file independently.
  • Provide conciliation and arbitration facilities for members.

All members pay an annual assessment fee based upon their latest three-year surety, fidelity, and forgery direct premium writings in addition to a minimum assessment. Foreign affiliates are assessed at a lower rate. There are no additional charges for state filing authorizations.

Member contacts receive:

  • User Name and Password for access to the Members Only Section of the SFAA website. The Members Only section contains a wealth of information including up-to-date statistical reports, regulatory filing materials, committee minutes, Fidelity and Surety Manuals, and Binder of Standard Fidelity Forms.
  • Bylaws of The Surety & Fidelity Association of America

If your company is interested in becoming a member of The Surety & Fidelity Association of America, please download the application form or contact Barbara Finnegan Reiff - Director of Operations at (202) 778-3626 or for further details.

1140 19th Street, NW, Suite 500 · Washington, DC 20036-6617
Phone: 202-463-0600 · Fax: 202-463-0606

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