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The Hub

SB&G Knowledge Centre
Practical guidance, technical insight and real-world surety experience for contractors, developers, brokers and businesses arranging bonds and guarantees in the UK.
Specialist Surety Knowledge

Practical Guidance From Real Surety Experience

Surety requirements are rarely decided by price alone. Financial strength, contract exposure, company structure, bond wording, existing workload and security can all influence whether a market will support a requirement and on what terms.

The Hub brings together SB&G's practical experience across underwriting, difficult placements, new companies and SPVs, bond security, ongoing facilities and surety capacity.

Underwriting

Surety Underwriting

Understand what a surety underwriter considers, including financial strength, profitability, workload, contract exposure, management experience and bond wording.

Explore Surety Underwriting ›
Security

Bond Security

Understand corporate indemnities, personal guarantees, cash collateral, parent company support and why security requirements differ between surety markets.

Explore Bond Security ›
Problem Solving

Declined Bonds

Learn why applications are declined, what a decline means and why an alternative surety market may still be prepared to consider the requirement.

Explore Declined Bonds ›
Company Structures

New Companies & SPVs

How sureties assess new companies, special purpose vehicles and joint ventures where there may be limited trading history in the applicant itself.

Explore New Companies & SPVs ›
Ongoing Capacity

Surety Facilities

When businesses with repeat bond requirements may benefit from an ongoing surety facility rather than arranging every requirement entirely from scratch.

Explore Surety Facilities ›
Capacity

Contract Growth & Capacity

How turnover growth, work in progress, large single contracts, working capital and outstanding bonds can affect available surety capacity.

Explore Contract Growth & Capacity ›
Where Should You Start?

Find Guidance for Your Situation

Surety issues are often connected. The most useful starting point depends on the problem you are trying to solve.

My bond application has been declined

Understand the reason for the decline and whether another underwriting route may remain available.

Start with Declined Bonds ›
My company is new or uses an SPV

Learn how management experience, group support, capitalisation and project structure can influence underwriting.

Start with New Companies & SPVs ›
The surety is asking for additional security

Understand why indemnities, personal guarantees, collateral or wider group support may be requested.

Start with Bond Security ›
Our order book is growing quickly

Understand how work in progress and increased contract exposure can affect available bond capacity.

Start with Contract Growth & Capacity ›
Real-World Experience

Surety Guidance Backed by Real Placement Experience

The issues covered in The Hub are not simply theoretical. SB&G regularly deals with non-standard structures, difficult underwriting scenarios, bespoke wording and requirements where traditional markets may not provide a straightforward solution.

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Further Reading

Surety Guidance & Technical Insight

Surety Bonds Explained

An introduction to how surety works, how it differs from insurance and what businesses should expect during the process.

Read Guide ›
Surety Bond Security Provisions

An introduction to indemnities, personal guarantees, collateral and the security considerations that can arise during underwriting.

Read Article ›
Why Assignment Clauses Matter

Why seemingly small changes to a bond wording can materially alter the position of the contractor and the surety.

Read Article ›
Need a Bond or Guarantee?

Explore Our Surety Products

The Hub is designed to explain underwriting and surety issues. If you already know the bond or guarantee you require, visit the relevant product page for detailed product information and the appropriate proposal form.
Performance Bonds Advance Payment Bonds Section Bonds Retention Bonds Materials Bonds Insurance Backed Guarantees
Not Sure Which Route Applies?

Choose the Product You Need — or Send Us the Requirement

If you know the type of bond or guarantee required, select the relevant product below to visit the specialist page and proposal form. If the requirement is unusual, does not fit a standard product or you are unsure where to start, email the details directly to the SB&G team.

Email Your Requirement
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