Stop Burning Cash! Why PAY for boring CE classes when your people could attend our Free CE Zoom webinars from home or office? Think about the annual savings!!

Hundreds of agents and agency personnel attend our acclaimed CE school. Each monthly course is for 3 credits and there are no exams.

“Until next month, Thanks Steve! Today was very informative.” (Actual comment from 8/1/24 class)

Why do people keep coming back to our program? The classes are fun and fast moving – sometimes surprising, always informative. Our next Free CE program is on Tuesday 9/3/24. Tell your people. Stop burning cash!

Click for more info.

FIA Surety / First Indemnity of America Insurance Company
2740 Rt. 10 West, Suite 205
Morris Plains, NJ 07950
Office: 973-541-3417
A carrier providing A rated, T listed bonds in all states!

“That’s a tough bonding question. Let’s ask your name here!”

BE that person with the answers.

Improve your expertise, value, earning power.

Here is the list of our upcoming Free CE courses – now approved for all New York State agents!

• August 1, 2024 “Commercial and Miscellaneous Bonds”
• September 3, 2024, “Understanding Site and Subdivision Bonds”
• October 1, 2024, “WIP Schedules – Own Them!” 
• November 1, 2024, “General Indemnity Agreements – Be An Expert!”

In addition to the Free CE credits and fun we have, even experts will pick up some tips and useful info! Join our Zoom webinar from your home or office. 3 credits, no exam. Click for more info.

FIA Surety / First Indemnity of America Insurance Company
2740 Rt. 10 West, Suite 205
Morris Plains, NJ 07950
Office: 973-541-3417

A carrier providing A rated, T listed bonds in all states!

FIA Surety is pleased to announce we are booking our Bestest, Best, Biggest Ever production numbers in the 40+ year history of our company!!

Thanks to our superb agents and principals for make this possible!

“Find Out What You’re Missing…!”

Also, our acclaimed Free CE program now includes New York State! Join us for our next Zoom webinar. 3 credits, no exams. Click for more info.

FIA Surety / First Indemnity of America Insurance Company
2740 Rt. 10 West, Suite 205
Morris Plains, NJ 07950
Office: 973-541-3417

A carrier providing A rated, T listed bonds in all states!

Here are 10 Tips to Increase Bonding Capacity, plus one you didn’t know about!

Let’s go!

1. Upgrade accounting presentation from internally prepared to CPA, or from a Compilation to a Review
2. Report not low bids promptly
3. Report contract completions
4. Pay back owner loans “receivable”
5. Add capital
6. Report bids submitted for less than the approved amount
7. Clear inter-company debts
8. Retain annual profits in company
9. Report successful collection of overdue accounts receivable
10. Refinance short term debt to long term
11. and here is the one you didn’t know… use a larger font!

These (mostly) useful tips are brought to you by FIA Surety, a 40+ year old carrier specializing in Contract, Site and Subdivision Bonds.

Need one? Call us right now! 856-304-7348 Always available to serve you…

FIA Surety / First Indemnity of America Insurance Company
2740 State Route 10 West, Suite 205
Morris Plains, NJ 07950-1258

A carrier providing A rated, T-listed bonds in all states

Free Continuing Education School info.

You have the book and love it. Why not? It’s used by bonding companies and agencies to train their people. 479 pages packed with info you need to solve problems and serve your clients better.

So NOW get the free book supplement! More than 150 Tips and Fixes for Surety Bonds. Great stuff! And the free book supplement is… FREE!

Get the free book supplement today!! Click.

Need the book? Get it for yourself or a rising colleague. Click.

Under the command of General Bruce, the 77th Division fought in the battle of Leyte Island – key to the final defeat of the Japanese in WWII.

On December 9th Lieutenant Albert J. Golia lead a platoon near Ormoc. As he advanced with three riflemen, they fell into an ambush. A bullet creased his scalp and knocked off his helmet, blood flowing down his face. His men shouted for him to take cover, but he replied he wouldn’t be able to “see a damn thing!” He stood behind a coconut tree and directed the action. A burst of machine gun fire struck a bandolier of ammunition draped across his chest, tossing him head over heels.

Stunned but uninjured, Golia refused help and continued to direct his men, finally knocking out two machine guns nests. Under his leadership, this group of four brave Americans conquered thirty-five enemy soldiers.

For his valor, Lieutenant Albert J. Golia was awarded the Silver Star, the Bronze Star and three Purple hearts.

Lieutenant Golia took so much shrapnel, he set off metal detectors at the airport.

He passed at age 40, a heart attack. My Dad, my American Hero. RIP!

Steve Golia

(Chronicled in “Decision at Leyte,” by Stanly Faulk)

Another FIA Surety Success Story

“Everything’s always a rush!” That’s OK. We like when people are motivated. Here are highlights from a transaction last week. We hit a series of obstacles but came back each time with a solution.

Client is pursuing a $1.5 million contract, needs to confirm they can get the bond.

1. At the recent fiscal year end, the company is profitable but $0 Net Quick and $0 Net Worth As Allowed.  We suggested refinancing the short term bank debt to improve the Net Quick As Allowed.

2. A review of the bank debt revealed a HUGE balloon payment looming ahead (during the term of the new contract.)  NOT disclosed on the CPA financial statement! 🙁 We asked if the loan was being renewed by the bank (postpones the balloon payment.) They were not processing it yet…

3. We asked for the indemnity info to make progress on the file – but a 25% estranged owner refused to provide. After investigating, we determined we could still support the account.

4. We asked if the bank could move up the renewal date and process the loan now. They can’t.

5. We suggested a lien on property owned by the primary shareholder as collateral to support the bond. It was already pledged to the bank.

6. We suggested the bank subordinate their property lien to us so the client could get the bond and new contract (win-win-win!) They refused.

7. We suggested supporting the bond with funds control.

FIA Surety came up with SEVEN solutions to support this bond. The situation evolved and we continually responded.

We work hard to support the business.  That’s what makes FIA Surety such a valuable carrier for our agents.  Read our reviews, they’re awesome!  Call us with your next Contract, Site or Subdivision bond need.

FIA Surety / First Indemnity of America Insurance Company
2740 State Route 10 West, Suite 205
Morris Plains, NJ 07950-1258
856-304-7348

A carrier providing A rated, T-listed bonds in all states

Known as the “Natural Disasters,” this tag team won a world championship in the ’90s.

OUR winning tag team is coming up soon, a winning pair that will boost your surety career:

• March 3, 2025, Monday “Understanding Financial Statements”
• April 1, 2025, Tuesday “Advanced Financial Statement Analysis”

These accredited CE courses are Zoom webinars you can attend from home or office. Our webinars are wildly popular, free and there are no exams. 3 credits each.

Don’t miss this heavy-weight combo. You’ll learn a lot and have some fun too! Click for info and to register.

First Indemnity of America Insurance Company
2740 State Route 10 West, Suite 205
Morris Plains, NJ 07950-1258
856-304-7348

A Carrier Providing A Rated, T-listed bonds in all states up to $10,000,000!