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Classic sureties

Warranty bonds

The guarantor is liable for deficiency warranty claims after the completion of the work, after insolvency of the contractor/debtor. By issuing a surety, the client is generally also willing to pay the contractor the retained funds for warranty claims.

Performance bonds

The guarantor is liable if the contractor cannot complete the project due to insolvency and the client incurs additional costs by having to search for a new contractor. Can also be concluded in combination with a surety for warranty claims.

Down payment/prepayment sureties

If the contractor demands a down payment, the client incurs the risk that the down payment is lost in the insolvency assets if the contractor becomes insolvent. In such cases, the down payment surety takes effect as the guarantor compensates the client.

Sureties for partial retirement

Since July 1, 2004, the Partial Retirement Law demands that employers insure the assets of their employees with a partial retirement regulation. For this purpose, we offer companies a suitable solution by providing sureties.

Securing time credits

According to many collective bargaining and operational agreements and the Social Security Code, employers are obligated to protect employees' time credits that arise on balancing accounts as part of flexible working hour regulations.

Insolvency insurance policies for travel agents

Pursuant to Section 651k of the German Civil Code, providers of vacation packages must prove to their customers that their paid travel expenses are protected in case of insolvency. The issuance of insurance certificates to travelers serves as proof of insolvency insurance.

Sureties for product deliveries

Protects the supplier of products against payment default of the customer (reverse TCI).

Commercial rental guarantees

The surety replaces the deposit of the tenant in case of landlord claims. There is therefore no longer any need to use cash, or charge a line of credit at the bank.

Sureties/bond insurance

Overview of surety models

Good to know

In contrast to mutual contracts in which both parties are entitled and obligated, a surety is a unilaterally obligating contract. The creditor is only entitled, the guarantor only obligated. The contract does not impose duties on the creditor.