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Small & Emerging Contractors


Listed below is a description of publications offered by the SFAA. Many of these items are available online for Members and Subscribers or are available for purchase. 



The Newsletter is published six times per year and contains valuable information regarding industry developments, federal and state legislative activity, legal decisions, Local Surety Association activities, regulatory news and upcoming industry events.

Online version for January/February 2018 coming soon ...

(for non-Members)

(for Members only)

A Government Leader's Guide to Bonds

Using Surety and Fidelity Bonds to Protect Taxpayers, Empower Businesses and Enable Innovation

Contract, commercial and fidelity bonds each serve a critical risk management and public policy function. This handbook provides an overview of each of these types of bonds, explains why bonding should be non-negotiable for agencies hiring contractors and for businesses operating within a state or local jurisdiction, and addresses how agencies can leverage this tool to protect taxpayer dollars and strengthen the public procurement process.

Governing Handbook: Guide to Financial Literacy, P3 Governance - Enduring Public-Private Partnerships are Built to Last



ABA Fidelity and Surety Law Publications Available through the SFAA (external link to ABA)



Binder of Standard Fidelity and Forgery Forms

This binder contains standard forms of bonds, policies, riders, endorsements and applications that were promulgated by The Surety & Fidelity Association of America for the fidelity, forgery and crime lines of business.

Bond Obligee Guide

This guide is designed to serve obligees who may want to verify the authenticity of surety bonds that they are being asked to accept. The most reliable way to authenticate a surety bond is to contact the issuing surety company directly. However, it is often difficult to ascertain the correct address, telephone number or person to contact at the surety.

Accordingly, this guide contains a list of SFAA surety company members that have volunteered to be included together with information as to how they can be contacted for the purposes of authenticating a bond. Since participation in this program is voluntary, not every surety company is listed.


   Cancellation/Non-renewal (Fidelity/Surety) Manual

This is a general reference aid which sets forth the cancellation and non-renewal statutes and regulations relative to bonds and policies for each state. Each state page references the relevant statutory notice provision for:

  1. Cancellations;
  2. Non-renewals;
  3. Increase in premium/decrease in coverage; and
  4. Block withdrawals.

Research current through 2000.

Construction Executive

Construction Executive is the magazine for the business of construction. It reaches more than 53,000 contractors and construction-related business owners.


Employee Theft - Safeguards for Business

This booklet stresses the importance of maintaining sound internal controls supplemented with employee dishonesty insurance in order to protect businesses against financial loss caused by employee theft. 16 pages.

Engineering News Record (ENR)

Engineering News-Record provides the engineering and construction news, analysis, commentary and data that construction industry professionals need to do their jobs more effectively.

Glossary (Fidelity & Surety)

This booklet contains a comprehensive collection of terms used in the business of fidelity and surety, defining words and phrases commonly used by bonding professionals. Synonyms and alternative expressions are also included. This unique glossary explains the language of fidelity and surety. 32 pages.


Guide to ICC Uniform Rules for Contract Bonds & Model Forms. Richard J. White.

Designed to assist users of the ICC Uniform Rules for Contract Bonds, the Guide contains an article-by-article review of the rules and clearly explains each provision. Contains extensive appendices providing detailed model forms of bonds and claims. 66 pages.




Manual of Rules, Procedures and Classifications for Fidelity, Forgery and Surety Bonds: 

This Manual contains fidelity, forgery and surety underwriting rules, loss costs, rating plans, risk types and class codes. Purchasers of the Manual will receive updated Manual pages until update service is cancelled by the purchaser. The Surety & Fidelity Association of America reserves the right to impose a periodic maintenance fee to defray the printing and distribution costs of the updated Manual pages. You are free to opt out of the Manual page update service at the time of purchase (See order form).

Note: You must be a member of the Association or an agent appointed by a member company in order to purchase this manual. Evidence of appointment must accompany order.

Mentoring Quick Guide

The Mentoring Quick Guide was developed by the SFAA Diversity & Human Resources Advisory Committee, Learning & Development Work Group. This document (toolkit) has comprehensive information focusing on four areas: Leadership Commitment and Organizational Accountability; Talent Acquisition Strategies; Learning & Development; and Engagement and Networking. Each component includes a menu of options, tools and practices for use in the development or enhancement of a company-specific diversity & inclusion strategy based on where the organization aligns with its diversity & inclusion goals. The modular structure was designed to enable members to utilize the resources in part or in full. 


Model Contractor Development Program: Making Surety Bonds More Accessible to Emerging Contractors

This tri-fold brochure explains the SFAA Model Contractor Development Program, the goal of which is to make bonding accessible to all qualified contractors and increase the number of small, minority and women contractors who are bondable. No charge for Members or Non-Members for up to 25 copies of this brochure. 

Public Works Bond Statutes

This publication includes the text of the performance and payment bond statutes of all 50 states and the District of Columbia. For each state, there is a commentary describing the state's Little Miller Act and any unusual ways in which it has been interpreted. This publication is a loose-leaf notebook with separate tabs for each state, and it can be supplemented as amendments or court decisions warrant.

Research current through 1998.


Recruiting Publications

The Recruiting Brochure, developed by the SFAA Diversity & Human Resources Advisory Committee, was designed for use as a stand-alone piece or in conjunction with corporate recruiting materials. Members are free to download and print as desired.


Statistical Reports

Statistical reports are available for SFAA members and Subscribers in electronic format.  Non-members may purchase these reports.  Information about our data collection process, descriptions of reports, and a printable report order form are available through this page.

Subcontract Bonds - Needless Expense or Needed Protection?

This booklet explains why general contractors should require bonds of major subcontractors and suppliers. 15 pages.

Surety Underwriter's Desk Book

This book was written specifically for the construction surety underwriter, containing brief statements of the law on a variety of relevant issues, and organized into state-by-state chapters. 

Survey of Bond Requirements for Mortgage Brokers and Lenders

This publication is designed to provide information about the subject matter covered. It is provided with the understanding that the publisher is not engaged in rendering legal services. If legal advice or other expert assistance is required, the service of a competent professional should be sought.

Laws, regulations and bond forms regarding surety bond requirements for mortgage brokers and lenders change frequently. Please note the information provided is the information available as of the date of this Survey.

If you note any incorrect information, or if you become aware of any legislative enactments, bond form revisions or regulatory changes regarding mortgage broker or lender surety bonds, please contact SFAA at (202) 463-0600.

Research current through August 2017.

Webinar Orders

The Surety & Fidelity Association of America provides a variety of webinars as a service to the industry to promote the use of fidelity and surety bonds to protect public and private interests.


What Is The Surety & Fidelity Association of America?

Explains the mission and goals of The Surety & Fidelity Association of America and outlines the ways SFAA serves its members. No charge for Members or Non-Members for up to 25 copies of this brochure.


Workers Compensation Survey

This publication provides information regarding the self-insurance workers' compensation bond requirement for each state. Each state page includes information regarding:

  1. Whether a surety bond is required;
  2. The required bond amount;
  3. Whether the bond incurs cumulative liability;
  4. Whether the bond form contains an aggregate liability clause;
  5. A description of the cancellation clause; and
  6. Whether the liability is on a "last-on surety" basis.

Research current through 5/24/2010. Last updated 12/13/2012 for Pennsylvania.


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Phone: 202-463-0600 · Fax: 202-463-0606

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