Posts by EmoryDay

Your bonding capacity is not determined by your business financials alone. Personal liquidity and assets play a significant role in how surety underwriters evaluate your overall risk profile and how much capacity they are willing to extend. In this episode of Ask The Surety Pro, Joe Catania, Co-Founder and CEO of Anderson & Catania, breaks…

Gross profit isn’t just a number—it’s a signal your surety is watching. It shows how well you estimate and execute work, whether your projects are managed efficiently, and whether your operational performance is consistent. That’s why underwriters focus on your WIP schedule, not just year-end results. In the latest episode of Ask The Surety Pro,…

A note payable due from a construction company owner isn’t automatically a problem—but to a surety, it often raises a simple question: “Did value leave the company at the expense of the balance sheet that supports project performance?” In the today’s episode of Ask The Surety Pro, Chris Ruck, Vice President, discusses how sureties evaluate…

If you’re planning to close your construction business, the most important call you can make is to your surety broker — before anything else changes. In this episode of Ask The Surety Pro, Joe Catania, Co-Founder and CEO of Anderson & Catania, explains why early, transparent communication with your surety is critical during a business…

Profit fade isn’t just margin compression—it’s a signal your surety is paying attention to. From a surety and financial standpoint, it can: Point to gaps in estimating or project controls Undermine credibility with lenders and sureties Lead to reduced bonding capacity or tighter underwriting scrutiny if it becomes a pattern That’s why underwriters look beyond…

In the latest episode of Ask The Surety Pro, Joe Catania, CEO and Co-Founder, and Chris Ruck, Vice President, speak directly to contractors about a simple truth: Communication is the foundation of every strong surety bond program. It’s not just about sharing financials. It’s about clearly communicating your goals, growth plans, and risk tolerance to…

If the current leader is no longer running the company, will the next team maintain the same level of performance? That question sits quietly behind every bonding relationship. Surety companies are not just evaluating your financial statements or backlog. They are evaluating the people responsible for delivering the work. Leadership experience, judgment, and decision-making carry…

Teamwork from your surety broker isn’t a “nice to have.” It’s what keeps your bond program solid and ready when the next opportunity hits your desk. In the latest episode of Ask The Surety Pro, Joe Catania, CEO and Co-Founder, and Chris Ruck, Vice President, speak directly to construction company owners about why teamwork and…

For a growth-minded contractor, increasing single project and aggregate bonding capacity is often the key to unlocking the next level of opportunity. New markets. Larger public work. Stronger positioning with GCs and owners. One of the most direct — and controllable — levers available to you is a properly structured owner capital infusion. In the…

Construction company owners don’t need a surety broker who simply “places bonds.” You need a partner who respects your leadership, understands your company’s vision, and knows how to position your story effectively with a surety company. In the latest episode of Ask The Surety Pro, Joe Catania, CEO and Co-Founder, and Chris Ruck, Vice President,…