Bid and Performance Contract Bonds Program from J.M. Wilson
J.M. Wilson provides independent agents with access to specialized surety markets for Bid and Performance Contract Bonds. Whether your client is a first-time bidder for a public job or a seasoned contractor pursuing large commercial work, our program is designed to help you secure the right bonding solution — including for accounts other sureties may label hard-to-place.
Ideal Accounts and Appetite
- General contractors and subcontractors bidding on municipal, state, or federal projects
- New and emerging contractors with limited or no prior bonding history
- Accounts with challenged financial statements or prior bonding issues
- Clients who need access to both standard admitted carriers and non-admitted/E&S markets
Coverage Highlights and Advantages
- Competitive pricing within market standards
- Rapid quote turnaround with typical 24–48 hour response on new submissions
- Access to both admitted and non-admitted surety markets for wider placement options
- Experienced underwriting for difficult-to-place and borderline accounts
- Flexible submission process — applications from other sureties are accepted for review
- All primary surety partners are A-rated where applicable
Underwriting Requirements
- Last 2–3 fiscal year-end business financial statements
- Current personal financial statements for all owners
- Completed Contractor's Surety Questionnaire
- Current work-in-progress schedule
- Bank reference letter outlining existing line(s) of credit
- Owner(s) resume
- Job reference letters
- Current Certificate of Insurance
Territories and Availability
This program is available to agents in the following states: AL, AR, FL, GA, IL, IN, IA, KS, KY, ME, MI, MN, MS, MO, MT, NE, NH, NY, NC, ND, OH, OK, PA, SC, SD, TN, VT, VA, WV, WI, and WY.
Why Choose J.M. Wilson?
As a Managing General Agency and Excess & Surplus Lines broker, J.M. Wilson combines deep surety expertise with broad market access. We represent a mix of admitted and non-admitted carriers so you can place a wide range of risk profiles. Our underwriters are construction-focused and responsive — helping you move quickly from submission to bid.
Typical strengths of this program include fast response times on new accounts, a willingness to consider submissions declined elsewhere, and flexible underwriting for emerging contractors. We make it practical for agents to support clients across the lifecycle — from first-time bidders to established contractors pursuing large infrastructure or commercial projects.
Example scenarios:
- You have a small contractor with limited bonding history bidding on a municipal repair contract — J.M. Wilson can help you find a market that will underwrite the risk and provide a bid bond.
- A regional builder needs performance and payment bonds for a multi-million-dollar commercial job but has prior financial challenges — our program can evaluate specialty and non-standard markets to secure capacity.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for general contractors and subcontractors bidding on public or private construction projects, including those with limited bonding history or challenging financials.
What documents are needed to submit a bond application?
Required documents include recent business and personal financials, a completed surety questionnaire, job references, a bank letter, resume of the owner(s), and a current insurance certificate.
How quickly can I get a quote?
J.M. Wilson typically provides a response within 24–48 hours for new account submissions, depending on the completeness of the application.
Are you able to consider accounts that have been declined by other surety markets?
Yes. J.M. Wilson specializes in difficult-to-place accounts and can review submissions based on applications from other surety companies.
Is this program available in my state?
This program is available in over 30 states, including MI, IL, FL, and NY. Please check the full list above or contact J.M. Wilson for confirmation.
Need help placing an account? Connect with a market specialist.