Ai Insurance Organization is a Canadian surety brokerage with access to 18+ bond markets, including Trisura, Travelers, and Chubb. Tell us what the bond is for. A licensed bond specialist handles the rest.
Licensed in 9 provinces and select U.S. states
Lloyd’s Coverholder
IBAO Member
BBB Accredited
Most people who need a bond were told to get one by someone else. A licensing office, a project owner, or a court.
That letter or requirement tells us everything. Here’s the quick version:
A government agency or licensing body says you need a bond before you can operate. That’s a commercial bond.
Common types: licence and permit, customs and excise, cannabis excise, fidelity, lost document, and carnet bonds.
You’re bidding on a project, or you’ve won one, and the owner wants a bond. That’s contract surety.
Common types: bid bonds, performance bonds, labour and material payment bonds, 50/50 bonds, and construction bonds. Repeat bidders can set up a bonding facility so every future tender moves faster.
A court or lawyer told you the estate needs a bond before you can act as executor, administrator, or guardian.
Common types: administration, executor, foreign executor, guardianship, missing beneficiary, and waiver of probate bonds. Lawyers: we work directly with your office and move at court-deadline speed.
A two-minute form or a phone call. If you have a requirement letter, send it. If you don’t, we’ll figure it out with you.
We match your bond to the market most likely to approve it at a competitive rate.
We issue it and send it where it needs to go: the licensing office, the project owner, or the court.
Many brokerages dabble in bonds. This team writes commercial, contract, and estate surety every day.
Relationships with 18+ sureties and insurers, including Trisura, Travelers, Chubb, and Arch Capital. More markets means more approvals and better pricing.
9 provinces and select U.S. states. (We do not operate in Quebec.)
The specialist who quotes your bond stays with your file until the bond is issued.
Based in Oakville, Ontario, serving clients across Canada.
Our team of surety experts offer decades of knowing the markets, process, and pitfalls of surety bonding
A surety bond is a three-party guarantee. The surety company backs your obligation to the party requiring the bond (the obligee). If you fail to meet that obligation, the surety pays the claim and you repay the surety. Bonds are required for many licences, construction contracts, and estate administrations in Canada.
The requirement usually tells you. A government or licensing body means a commercial bond. A construction tender or contract means a contract bond. A court or probate process means an estate bond. Send us the requirement letter and we’ll identify the exact bond in one conversation.
No. Insurance protects you. A bond protects the party that required it. If the surety pays a claim on your bond, you are obligated to repay the surety. That’s why bonds are underwritten based on your history and financial strength.
You pay a premium calculated as a percentage of the bond amount. The rate depends on the bond type, the bond amount, and your profile. Simple commercial bonds sit at the low end. Contract and estate bonds involve underwriting and vary case by case. Your quote is free and there’s no obligation.
Simple commercial bonds often issue shortly after a completed application. Contract and estate bonds require underwriting, so timing depends on how quickly we receive your documents. Start the form now and we’ll give you a realistic timeline on the first call.
Across 9 Canadian provinces (we do not operate in Quebec) and select U.S. states through our U.S. bond program.
It depends on the bond. Commercial bonds usually need basic business details. Contract bonds need financial statements and work history. Estate bonds need the court documents and estate value. Start with the two-minute form and we’ll tell you exactly
what applies to you.
