Need a quick and efficient security solution when it comes to contractual obligations? WHA has got you covered!
With over 50-years of experience in writing bonds for businesses and individuals, WHA can help you determine what you need for your unique circumstances. We are committed to helping you understand the difference between insurance and bonding, so that you can determine what’s the best option for you.
Customer
“WHA Insurance has outstanding customer service. Agents are always there to answer questions and be of help. They go above and beyond…”
Customer
“We have been working with WHA for almost 10 years. We like the people, their website’s ease of access, and fair rates.”
Customer
“Great staff and very professional. Best service for the money.”
Customer
“Efficient, polite, and professional.”
Choose WHA and you can expect unparalleled 24-hour service from highly collaborative agents who will help you obtain the best insurance solutions. Contact one of our agents now and let us help determine the best options to protect your business.
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Take the first step to receiving high-quality insurance products that keep you protected by reaching out to one of our agents! We will have an open and honest conversation about how we can help you in your specific circumstances.
The next step after you have chatted to an agent and know what you are looking for, is to get a free quote! We will find you the most comparative rates fast.
Once you have got a quote and you accept we will sign you up and you will have exclusive access to our client portal as well as our agents on call 24/7.
At WHA we strive to go above and beyond, this means we work with you in person or online to educate you on limits, options, and costs. We will help you develop a long-term strategy and establish cost-efficiency and future cost projections. When it comes to paperwork we assist in everything you need, from claims support to help with filing legal and compliance documents.
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Insurance is a contract between the person or business being insured and the insurance company. The insurance policy guarantees that the insurance company will compensate the insured when a covered loss occurs. A surety bond is also a contract, but between three parties: the person doing the work (principal), the person requiring the work (obligee), and the surety company providing the bond (surety). The bond guarantees that the principal will fulfill the terms of the contract and, if they don’t, the obligee can file a claim against the bond to recover their losses from the surety.
You will need to acquire a bid bond during the bidding process for a project. During the bidding process because they relieve owners of the risks that would otherwise arise in the process. Bid bonds guarantee that you, the contractor, have submitted your bid in good faith and will enter into a contract with the owner if chosen. If awarded the contract, the next bond you would need to get is a performance bond, which guarantees you will fulfill the obligations set out in your project contract
Most bond companies will evaluate the following factors during the underwriting process: Financial capacity, tangible net worth, cash flow, assets, credit score, work in progress, work history, expertise, experience, banking relationship, nature of project to be bonded and character of the contractor.
WHA (Wilson Heirgood Associates) was established as an all-lines insurance agency by Hobart Wilson in 1950. Through the early 1980s, WHA adopted and honed its specialized take on insurance, with licensed agents and consultants who focused singularly on specific industries.
