ERISA Fidelity Bond Impact Analysis—H.R. 2988’s Fiduciary Reforms vs. ERISA Bond Compliance Under ERISA § 412 H.R. 2988, as reported in the House on December 30, 2025, is best analyzed as a fiduciary-governance proposal rather than an ERISA fidelity bond… Continue Reading →
Predictions of rising surety capacity demand in 2026 are often described as a general consequence of higher infrastructure spending. That explanation is largely accurate, but it understates the specific mechanism most likely to shape surety markets in 2026. The sharper,… Continue Reading →
Effective January 26, the Kentucky Department of Financial Institutions (DFI) will begin accepting Electronic Surety Bonds (ESB) through the Nationwide Multistate Licensing System & Registry (NMLS) for firms applying for or renewing a Federal Student Loan Servicer License. This change… Continue Reading →
The Form 5500 series remains a cornerstone of employee benefit plan compliance under the Employee Retirement Income Security Act of 1974 (ERISA). Administered jointly by the U.S. Department of Labor (DOL), the Internal Revenue Service (IRS), and the Pension Benefit… Continue Reading →
The rapid expansion of global data center infrastructure has accelerated demand for reliable construction financing, risk transfer mechanisms, and comprehensive performance guarantees. Data centers are capital-intensive facilities that require rigorous engineering standards, continuous operational resiliency, and synchronized performance among multiple… Continue Reading →
The Employee Retirement Income Security Act of 1974 requires that every person who handles plan assets be bonded to protect against loss due to fraud or dishonesty. Under ERISA Section 412 plan officials must be covered by a fidelity bond… Continue Reading →
The insurance marketplace is evolving rapidly, and specialized intermediaries are playing an increasingly central role. In 2024, the National Association of Insurance Commissioners (NAIC) reported that direct written premium by managing general agents (MGAs) grew by 14.5%, marking the fourth… Continue Reading →
General contractors rejoice (mostly)! The outlook for U.S. public construction work for the balance of 2025 remains favorable, especially in heavy/highway, transit, water, and airport projects. This steady availability is underpinned by multi-year federal authorizations, a robust municipal bond market,… Continue Reading →
The use of pay-if-paid clauses in construction subcontracts has long been a point of tension between prime contractors and subcontractors. These provisions condition a general contractor’s payment obligation on receipt of payment from the project owner. They are used strategically… Continue Reading →
The Insurance Business article, citing Aon’s July 2025 Reinsurance Market Dynamics report, presents a compelling snapshot of a reinsurance marketplace that has swung decisively in favor of buyers. It attributes this trend to ample capital supply (est. at $720bn globally),… Continue Reading →
Surety companies participating in the customs bond class have taken a win. United States v. Aegis Security Insurance Company (No. 20-03628) and its follow-up decision in 2025 (No. 22-00327) are landmark cases from the U.S. Court of International Trade. The… Continue Reading →
A court decision by the High Court of Oklahoma has given our industry a win. In Flintco LLC v. Total Installation Management Specialists, Inc., 2025 OK 35 (May 28, 2025), the Oklahoma Supreme Court addressed a controversy that had arisen… Continue Reading →
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