We are Hampton Roads Bonding. For over 25 years we have distinguished ourselves as the premier bonding agency for commercial, road, utility, and governmental contractors. We have grown to be one of the largest bonding agencies in Virginia, because we consistently bring a very personalized understanding of the surety business to contractors every day.

On February 7, 2011, Hampton Roads Bonding (HRB) became a Marsh & McLennan Agency LLC company (MMA), which operates independently of parent company Marsh Inc., the world's largest insurance broker. This combination of great companies offers the middle market HRB's integrity, industry knowledge and best-in-class customer service with a broader array of capabilities and resources through the MMA network.


Unlike some insurance agencies, we are solely dedicated to the fine art of suretyship and the special circumstances that clearly differentiate it from insurance.


That's how we see it. And that is how we do it. We know the construction industry and management process, including estimating, bidding, building, and cost control systems.


One size doesn't fit all, and we know this from experience. As a matter of fact, it is our experience that can create a personalized bond for any contracting situation.

Your first bond

Today's construction industry is more competitive than ever, and more contractors are interested in projects that require them to provide surety bonds guaranteeing their performance of the contract.

Surety bonds are usually required of general contractors on public projects let by federal, state or local government agencies. Many subcontractors also find that they are being asked to provide bonds. Also, an increasing number of private project owners are requiring bonds as well.

What is a surety bond?

Simply stated, a surety bond is an agreement under which one party, the surety, guarantees to another party, the owner or obligee, that a third party, the contractor or principal, will perform a contract in accordance with contract documents. In the case of a subcontract, the general contractor is the obligee and the subcontractor is the principal.

There are three types of contract surety bonds: