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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.

Surety & Fidelity Weekly Newsletter

The Surety & Fidelity Weekly newsletter is published every Monday. The newsletter provides valuable information regarding surety and fidelity industry developments, federal and state legislative activity, legal decisions, new bonding opportunities, regulatory news, upcoming industry events, and much more.

(for non-Members)

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.


Compensation Survey

If you are interested in obtaining the most relevant data available to help you to determine how your organization’s total compensation package measures up in today’s competition for talent, consider participating in or purchasing the annual SFAA-sponsored industry Compensation Survey, the premier source for industry compensation data.

The annual survey includes over 50 bond-related positions and includes the reporting of:

  • Base Pay
  • Short-term Incentives (actual paid, target amounts and plan design features)
  • Long-term Incentive Eligibility and Target Opportunities (and plan design features)
  • Position-specific Responsibilities
  • Pay Practices

Only members of SFAA are eligible to participate and/or purchase the survey. SFAA members collectively write 97% of the surety and fidelity premium in the United States, positioning the survey as a unique opportunity to benchmark with your peers.

For more information, contact survey vendor Allan Fitzgerald of Fitzgerald’s Compensation Consulting Services, Inc. at 704-795-9800 or

Changes in survey design are managed by the Diversity & Human Resources Advisory Committee, staffed by Barbara Reiff (

Construction Executive

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


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.




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. 


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:  Careers that Make a Difference 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. 


Resident Agent Countersignature Laws Have Been Eradicated and Violate the Law in Every U.S. State

The purpose of this white paper is to inform the reader that resident agent countersignature laws have been eradicated throughout the United States and its territories. 


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.


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.


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