Insurance for a Government Contract

Meet the insurance and bonding terms of a government contract

Send us the solicitation, and your Spot team sorts its insurance and bond requirements into what you carry, what you need and what to ask the contracting officer.

Get StartedHow It Works

Insurance and bond requirements pulled from the solicitation
Bond submissions prepared for the surety
Keep your broker or switch, with no commissions on premiums

A facilities contractor in a white hardhat and a project officer review a rolled plan beside a compact masonry sample.

How it works

Send us the solicitation

Upload the solicitation or contract, including its insurance clause, bonding section and any agency forms. Tell us the bid due date.

Surety bonds

Alder Builders · Policy review

Policy wording: Coverage limits
Compare with: Contract requirements

Confirm with your broker

Limits, exclusions, and endorsements

We separate insurance from bonds

Your Spot team lists each required policy and limit apart from each bond, because a bond guarantees your obligation to the agency rather than insuring your business.

Alder BuildersOrganized by Spot

Get quoted and bonded

We work with brokers to quote missing coverage and prepare the financial information a surety reviews before it issues a bid, performance or payment bond.

Insurance documents

Requirements review

Surety bonds

Coverage limits · Policy terms

Alder Builders

Send the agency its proof

Generate the certificate in the Spot app with the agency’s exact name as certificate holder, and keep it current for the life of the contract.

When you need insurance

You’re bidding on a public contract, and the solicitation lists insurance and bond requirements you have to meet before award.

Coverage to consider

Surety bonds
Public work often calls for bid, performance or payment bonds. Each guarantees a different obligation, and the solicitation sets the form and amount.
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General liability
Solicitations commonly list it for injury or property damage arising from your work, often with the agency added as an additional insured.
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Workers’ compensation
The contract can require it for everyone working on the job, and your state’s rules may already require it.
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Commercial auto
If you drive to sites or move equipment in company vehicles, the contract may set auto liability limits.
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Professional errors and omissions (E&O)
Consulting, design and other service contracts can require cover for claims that your advice or work caused the agency a loss.
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Umbrella and excess liability
When required limits exceed your primary policies, an extra layer can add limits above the policies listed underneath it.
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Documents to have ready

01
The solicitation and its insurance clause
The full solicitation, plus any insurance exhibit, agency certificate form or bonding instructions.
02
The bond requirement
Which bonds are required, the exact bond form the agency wants and the amount it sets.
03
Financial statements
Recent business financials, and personal financials if the surety asks for them, along with your work history on similar jobs.
04
Your current policies
Declarations pages and endorsements, so Spot can check limits and wording against the solicitation.
05
The bid timeline
When bids are due, when award is expected and when work would begin.

Common questions

Is a surety bond the same as insurance?

No. A bond protects the agency by guaranteeing that you’ll meet an obligation you owe it. It doesn’t replace your own liability or property insurance.

Who should I ask about the bond requirements for a federal construction project?

Check the solicitation and confirm the bonding requirements with the contracting officer before arranging performance or payment bonds. Spot helps you prepare once the requirement is clear.

Can the agency be added as an additional insured?

Usually, by endorsement. A certificate on its own adds nobody to your policy, so your Spot team requests the endorsement through your broker and insurer.

Does Spot work with my current broker?

Yes, and Spot takes no commissions on premiums. If your broker doesn’t place bonds, we can introduce one who does.

Get insurance off your to-do list.

Send us the solicitation, and your Spot team sorts its insurance and bond requirements into what you carry, what you need and what to ask the contracting officer.

Get Started