Andrew Troi
I have had an incredible experience with Harrison Insurance and Jennifer in particular. She is true professional and handles all questions and concerns in a timely and kind manner. I’m so glad I switched my auto and renters policy to Erie and Harrison insurance.
Andrew Troi
Kayla Courtois
Fantastic customer service! Very knowledgeable, patient, and friendly. We were a new business starting up with absolutely NO clue what to do. Fred made the process very simple and got us the coverage we needed in a field that is hard to get coverage in!
Kayla Courtois
Thomas Sweeney
Used Fred for my executor bond, he worked with me over the phone as I was out of town to fill out the paperwork. The prices were much cheaper than anywhere else I found.
Thomas Sweeney
bryan acheson
Fred and team at Harrison Insurance are awesome. I requested a review of my insurance coverage for my business and found that I was grossly under covered. Fred explained where I was needing additional coverage and why it was important. Needless to say, I'm now a client. Fred truly cares for his clients. I think my premiums basically stayed the same, for additional coverage I might add, but I would have been willing to pay more just for the service and knowing I was being taken care of. I highly recommend Fred for your business.
bryan acheson
Kayla Furrow
Harrison Insurance is a great company to work with! I worked with Fred and the personal touch he adds makes you feel like you’re truly being taken care of, like you’re a part of the family. Fred never settles for the bare minimum, and if he sees something lacking in your insurance policy, he will tell you what he can do to fix it and what kind of options you have to make sure you’re covered in every area possible. Harrison Insurance is a small town agency, but their impact is huge. If you’ve got any kind of insurance, it is always worth giving Harrison a call and seeing where you can improve your coverage while lowering your rates. You definitely won’t regret touching base with them!
Kayla Furrow
Wes Tatum
Highly recommend this company. Fred Zehrer was my agent and he provided top notch service. The process was simple and Fred saved me over $600 a year on my business vehicle insurance. I can't say enough good things about Fred and Harrison Insurance. If you want peace of mind and fair prices, this is where you need to be.
Wes Tatum

What is an Insurance Bond?

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What is an Insurance Bond?

When it comes to safeguarding your business and ensuring that everything runs smoothly, understanding the intricacies of the insurance world is crucial. Harrison Insurance, a reputable insurance company based in Colonial Heights, Virginia, is here to shed light on one of the most common yet misunderstood terms in the insurance industry: “bonded.” In this comprehensive guide, we will delve into what an Insurance Bond is, the different types of bonds available, and why it is vital for your business.

Understanding the Term “Bonded”: Being “bonded” means that a business has secured a surety bond, a type of insurance that acts as a safety net for both the business and its clients. A surety bond is a three-party agreement involving the principal (the business), the obligee (the client or project owner), and the surety (the insurance company). The bond guarantees that the principal will fulfill their obligations to the obligee, and if they fail to do so, the surety will step in to cover any financial losses.

The Importance of Being Bonded: For businesses, especially those in the construction, legal, and automotive industries, being bonded is not just a safety measure—it is often a requirement. Clients and project owners want assurance that they are working with reliable and trustworthy professionals. A surety bond provides this assurance, showcasing a business’s commitment to integrity and accountability.

Types of Insurance Bonds

We offer a variety of surety bonds to cater to the diverse needs of businesses in Virginia. Here is a closer look at some of the bonds available:

  1. Construction Bonds:
    • Performance Bonds: Ensures that the contractor completes the project as per the agreed terms and conditions.
    • Bid Bonds: Guarantees that the contractor will honor their bid and complete the project at the bid price.
    • Payment Bonds: Ensures that subcontractors and suppliers are paid for their work and materials.
  2. Probate Bonds:
    • Executor Bonds: Ensures that the executor of an estate will carry out their duties faithfully and in accordance with the law.
    • Guardianship Bonds: Guarantees that a guardian will manage the affairs of a minor or incapacitated person responsibly.
  3. Dealer Bonds:
    • Motor Vehicle Dealer Bonds: Required for car dealerships, ensuring compliance with state laws and regulations.
    • Boat Dealer Bonds: Similar to motor vehicle dealer bonds but specific to boat dealerships.
  4. Janitorial Bonds:
    • Protects clients from theft or damage caused by cleaning staff.

The Process of Getting Bonded:

Obtaining a surety bond through Harrison Insurance is a straightforward process. Our experienced agents will guide you through every step, ensuring that you understand the terms and conditions of the bond. The cost of the bond will depend on various factors, including the type of bond, the amount of coverage required, and the applicant’s credit history.

The Benefits of Choosing Harrison Insurance:

Choosing Harrison Insurance for your bonding needs comes with numerous benefits. We have a deep understanding of the local business landscape in Colonial Heights and the surrounding areas, allowing us to provide personalized and relevant advice. Our team is dedicated to building long-lasting relationships with our clients, ensuring that you have a reliable partner in your corner.

Being bonded is a crucial aspect of building trust and credibility in the business world. It provides a safety net for both businesses and their clients, ensuring that obligations are met and financial losses are covered. Harrison Insurance, with its extensive range of surety bonds and commitment to exceptional service, is the ideal partner for businesses looking to secure their operations and build lasting relationships with their clients. Choose Harrison Insurance, and take the first step towards securing your business’s future today.