{"id":11393,"date":"2026-10-13T15:32:45","date_gmt":"2026-10-13T13:32:45","guid":{"rendered":"https:\/\/ollerbrokers.com\/?page_id=11393"},"modified":"2026-10-19T15:30:52","modified_gmt":"2026-10-19T13:30:52","slug":"surety","status":"publish","type":"page","link":"https:\/\/ollerbrokers.com\/en\/business-insurance\/surety\/","title":{"rendered":"Surety insurance"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|desktop&#8221; _builder_version=&#8221;4.16&#8243; background_image=&#8221;https:\/\/ollerbrokers.com\/wp-content\/uploads\/2018\/05\/cabecera-credito.jpg&#8221; background_size=&#8221;initial&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;||0px|&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;100px||100px|&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; text_font_size=&#8221;25px&#8221; header_font=&#8221;|300||on|||||&#8221; header_text_align=&#8221;center&#8221; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1>Surety insurance<\/h1>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#f7f7f7&#8243; custom_padding=&#8221;50px|0px|50px|0&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.27.8&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.8&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_code _builder_version=&#8221;4.27.8&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<style><!-- [et_pb_line_break_holder] -->\/* Pagina de seguro de caucion (EN). 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#fff;outline-offset:3px}<!-- [et_pb_line_break_holder] -->@media (max-width:767px){.obu-c{padding:40px 0}.obu a.obu-c-b{width:100%}}<!-- [et_pb_line_break_holder] -->.obu-k{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin:0;padding:0;list-style:none}<!-- [et_pb_line_break_holder] -->.obu-k li{display:flex;align-items:center;gap:14px;min-height:76px;margin:0!important;padding:14px 18px!important;background:#fff;border:1px solid #E8E5E5;border-radius:4px;list-style:none}<!-- [et_pb_line_break_holder] -->.obu-k li::before{content:none!important}<!-- [et_pb_line_break_holder] -->.obu-k br,.obu-k>p{display:none!important}<!-- [et_pb_line_break_holder] -->.obu-k svg{flex:0 0 40px;width:40px;height:40px;padding:8px;box-sizing:border-box;border-radius:50%;background:#F7EDEE;fill:none;stroke:#9B1F2E;stroke-width:1.6;stroke-linecap:round;stroke-linejoin:round}<!-- [et_pb_line_break_holder] -->.obu .obu-k h3{margin:0!important;font-size:1rem!important;line-height:1.3!important}<!-- [et_pb_line_break_holder] -->@media (max-width:980px){.obu-k{grid-template-columns:repeat(2,minmax(0,1fr))}}<!-- [et_pb_line_break_holder] -->@media (max-width:560px){.obu-k{grid-template-columns:1fr}.obu-k li{min-height:64px}}<!-- [et_pb_line_break_holder] -->@media (max-width:980px){.obu-2{grid-template-columns:1fr;gap:44px}}<!-- [et_pb_line_break_holder] -->@media (max-width:767px){.obu-b{padding:44px 0}.obu-g{grid-template-columns:1fr;gap:12px}.obu-i{padding:18px 18px 20px}}<!-- [et_pb_line_break_holder] --><\/style>\n<p><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"obu\"><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"obu-b\"><pee class=\"obu-lead\">Surety insurance is a performance guarantee. The insurer answers to a third party \u2014 a public body or a customer \u2014 if your company fails to meet a legal or contractual obligation.<\/pee><pee class=\"obu-txt\">It works much like a bank guarantee and is often used to obtain better commercial terms or to convey reliability and solvency, without increasing the company\u2019s liabilities.<\/pee><\/div>\n<p><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"obu-b obu-w\">\n<h2 class=\"obu-t\">How it works<\/h2>\n<div class=\"obu-g\"><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"obu-i\"><span class=\"obu-n\">1<\/span><\/p>\n<h3>Your company (policyholder)<\/h3>\n<pee>Takes out the policy and is the one that has to meet the obligation.<\/pee><\/div>\n<p><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"obu-i\"><span class=\"obu-n\">2<\/span><\/p>\n<h3>The party requiring the guarantee (insured)<\/h3>\n<pee>The public body or customer that wants to be covered if your company does not perform.<\/pee><\/div>\n<p><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"obu-i\"><span class=\"obu-n\">3<\/span><\/p>\n<h3>The insurer<\/h3>\n<pee>Issues the guarantee and pays the insured if there is a breach.<\/pee><\/div>\n<p><!-- [et_pb_line_break_holder] --><\/div>\n<pee class=\"obu-nota\">If the insurer pays, it then claims that amount back from your company. Surety does not cover your loss: it guarantees the other party that it will be paid.<\/pee><\/div>\n<p><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"obu-b\">\n<h2 class=\"obu-t\">Types of surety insurance<\/h2>\n<ul class=\"obu-k\">\n<li><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><path d=\"M7 3h7l4 4v14H7z\"\/><path d=\"M14 3v4h4\"\/><circle cx=\"12.5\" cy=\"14.5\" r=\"3\"\/><path d=\"M12.5 13v1.6l1 .8\"\/><\/svg><br \/>\n<h3>Provisional tender guarantee<\/h3>\n<\/li>\n<li><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><path d=\"M7 3h7l4 4v14H7z\"\/><path d=\"M14 3v4h4\"\/><path d=\"M9.8 14.6l1.9 1.9 3.6-3.8\"\/><\/svg><br \/>\n<h3>Final guarantee for public contracts<\/h3>\n<\/li>\n<li><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><path d=\"M7 3h7l4 4v14H7z\"\/><path d=\"M14 3v4h4\"\/><path d=\"M12.5 11.5v6M9.5 14.5h6\"\/><\/svg><br \/>\n<h3>Supplementary guarantee for public contracts<\/h3>\n<\/li>\n<li><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><path d=\"M4 11l8-7 8 7\"\/><path d=\"M6 9.5V20h12V9.5\"\/><path d=\"M10 20v-6h4v6\"\/><\/svg><br \/>\n<h3>Advance payments on new homes<\/h3>\n<\/li>\n<li><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><path d=\"M3 8l9-4 9 4v8l-9 4-9-4z\"\/><path d=\"M3 8l9 4 9-4\"\/><path d=\"M12 12v8\"\/><\/svg><br \/>\n<h3>Customs guarantees<\/h3>\n<\/li>\n<li><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><path d=\"M13 2L5 14h6l-1 8 8-12h-6z\"\/><\/svg><br \/>\n<h3>Grid access and connection<\/h3>\n<\/li>\n<li><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><path d=\"M21 3L3 10.5l7 2.5 2.5 7z\"\/><path d=\"M10 13l11-10\"\/><\/svg><br \/>\n<h3>Travel agencies<\/h3>\n<\/li>\n<li><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><circle cx=\"8\" cy=\"15\" r=\"4\"\/><path d=\"M11 12l9-9\"\/><path d=\"M16 7l3 3\"\/><path d=\"M14 9l2 2\"\/><\/svg><br \/>\n<h3>Real estate agents in Catalonia<\/h3>\n<\/li>\n<li><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><rect x=\"3\" y=\"7\" width=\"18\" height=\"13\" rx=\"2\"\/><path d=\"M9 7V5h6v2\"\/><path d=\"M3 13h18\"\/><\/svg><br \/>\n<h3>Contracts between companies<\/h3>\n<\/li>\n<\/ul>\n<\/div>\n<p><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"obu-c\">\n<div><pee class=\"obu-c-t\">Have you been asked for a guarantee?<\/pee><pee class=\"obu-c-d\">Tell us which one and we will help you provide it with surety insurance. No commitment.<\/pee><\/div>\n<p><a class=\"obu-c-b\" href=\"https:\/\/ollerbrokers.com\/en\/contact-us\/\" data-pop=\"1\">Let\u2019s talk<\/a><\/div>\n<p><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"obu-b obu-w\">\n<h2 class=\"obu-t\">Frequently asked questions<\/h2>\n<p><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"obu-q\">\n<h3>What is the difference between surety insurance and credit insurance?<\/h3>\n<pee>Credit insurance protects your company if a customer does not pay you. Surety insurance protects a third party if it is your company that does not perform.<\/pee><\/div>\n<p><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"obu-q\">\n<h3>Does the insurer bear the cost if my company defaults?<\/h3>\n<pee>It pays the beneficiary of the guarantee, but then claims that amount back from your company.<\/pee><\/div>\n<p><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"obu-q\">\n<h3>Can surety insurance be used for a public contract?<\/h3>\n<pee>Yes. Spain\u2019s Public Sector Contracts Act accepts it as a way of providing the final guarantee.<\/pee><\/div>\n<p><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"obu-q\">\n<h3>Which guarantees can be provided with surety insurance?<\/h3>\n<pee>Among others, those required in public tenders (provisional and final), the refund of advance payments on new homes, customs guarantees and the grid access guarantee when it is lodged with the Caja General de Dep\u00f3sitos. Each one has its own requirements.<\/pee><\/div>\n<p><!-- [et_pb_line_break_holder] --><a class=\"obu-mas-a\" href=\"https:\/\/ollerbrokers.com\/en\/business-insurance\/credit-and-surety\/\">See credit insurance<\/a><!-- [et_pb_line_break_holder] --><\/div>\n<p><!-- [et_pb_line_break_holder] --><\/div>\n<p><!-- [et_pb_line_break_holder] --><script>(function(){var a=document.querySelector('.obu a.obu-c-b');if(!a){return;}a.addEventListener('click',function(e){if(a.getAttribute('data-pop')!=='1'){return;}var q='boton-formulario-';var b=document.querySelector('.oller-contacto-btn')||document.getElementById(q+'ES')||document.getElementById(q+'CAT')||document.getElementById(q+'EN');if(b){e.preventDefault();b.click();}});})();<\/script><!-- [et_pb_line_break_holder] -->[\/et_pb_code][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#f7f7f7&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_row custom_padding_last_edited=&#8221;on|desktop&#8221; _builder_version=&#8221;4.16&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;0px||0px|&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; custom_margin_tablet=&#8221;&#8221; custom_margin_phone=&#8221;0px||0px|&#8221; custom_margin_last_edited=&#8221;on|desktop&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;0px||0px|&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h5 style=\"text-align: center;\">Related products<\/h5>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; _builder_version=&#8221;4.16&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_code _builder_version=&#8221;4.16&#8243; text_orientation=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<div><a href=\"https:\/\/ollerbrokers.com\/en\/business-insurance\/credit-and-surety\/\"><img decoding=\"async\" src=\"https:\/\/ollerbrokers.com\/wp-content\/uploads\/2018\/05\/prod-credito.png\" style=\"display:block;margin:0 auto;margin-bottom:20px\"><\/p>\n<h6 style=\"text-align:center;font-size:20px;\">Credit insurance<\/h6>\n<p><\/a><\/div>\n<p>[\/et_pb_code][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_code _builder_version=&#8221;4.16&#8243; text_orientation=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<div><a href=\"https:\/\/ollerbrokers.com\/en\/business-insurance\/liability-insurance\/business\/\"><img decoding=\"async\" src=\"https:\/\/ollerbrokers.com\/wp-content\/uploads\/2018\/05\/prod-rc.png\" style=\"display:block;margin:0 auto;margin-bottom:20px\"><\/p>\n<h6 style=\"text-align:center;font-size:20px;\">Business liability<\/h6>\n<p><\/a><\/div>\n<p>[\/et_pb_code][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_code _builder_version=&#8221;4.16&#8243; text_orientation=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<div><a href=\"https:\/\/ollerbrokers.com\/en\/business-insurance\/liability-insurance\/cyber-insurance\/\"><img decoding=\"async\" src=\"https:\/\/ollerbrokers.com\/wp-content\/uploads\/2018\/05\/prod-ciberseguro.png\" style=\"display:block;margin:0 auto;margin-bottom:20px\"><\/p>\n<h6 style=\"text-align:center;font-size:20px;\">Cyber insurance<\/h6>\n<p><\/a><\/div>\n<p>[\/et_pb_code][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; 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