Lutgert Insurance has a dedicated surety department with experienced staff and excellent carrier relationships. We represent dozens of surety markets and specialize in both commercial and contract surety. Our team has significant development and construction industry experience handling all types of contract bonds, mitigation bonds, sub-division bonds and more. We have various fast track type programs to facilitate smaller bonds with very little underwriting as well as a significant amount of capacity for those clients needing $100 million or more in bonding capacity. We have been serving the surety needs of our clients for over 60-years. Having the ability to handle surety in addition to all the traditional insurance programs provides our clients with a well-rounded service that makes us unique.

Contract Surety:

  • Bid Bonds
  • Subdivision/Site Development Bonds
  • Payment & Performance
  • Fast Track Bonds – Contracts up to $400,000 per project (requires minimal financial information)

Commercial Surety:

If you are posting cash deposits or letters of credit for any type of security and/or collateral obligation, perhaps it’s time to take a look at an alternative option that can save time and money, a commercial surety bond. There are hundreds of examples of commercial surety and we can provide them all. Listed below are just a few examples of commercial bonds:

  • License/Permit – all states
  • Court/Probate
  • Yacht Broker & Yacht Dealer
  • Agriculture Dealer
  • Public Official
  • Utility Deposit
  • Mortgage & Title Agency
  • Financially Responsible Officer Bond
  • Mitigation bonds
  • Miscellaneous commercial bonds

Please contact Charity Moser for further information about our surety capabilities at (239) 280-3253 or via email at