File 11 · Carrier · Hartford, CT
The Hartford Surety
National carrier — A+ Excellent cited in 2026 contractor guides
The Hartford writes contract and commercial surety through agents. A 2026 Construction Coverage compilation lists The Hartford at AM Best A+ (Excellent) and flags the company as a full-line option for contractors.
We did not pull a live AM Best PDF in this pass. The A+ figure is attributed to the Construction Coverage compilation dated for 2026 — confirm on AM Best before a bid.
Works through appointed agents, including many independent commercial agencies.
Bond series on this file
What they claim to write
Series A
License & Permit
Most regulated businesses post a license or permit bond before a state will issue or renew the license. The bond guarantees compliance with the statute — it is not insurance for the principal.
Series B
Contract / Performance
Construction and public-works contracts ask the contractor to guarantee the bid, the work, and the subcontractors. These are underwritten on financials and experience, not just a credit score.
Series C
Commercial
Commercial surety covers the bonds that sit beside a license or a jobsite: employee dishonesty, public official, lost-instrument, and a long tail of miscellaneous forms.
Typical desks: Contractors · Commercial principals · Independent agents