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Do you run a business and participate in tenders, execute contracts, or need to secure obligations to authorities or contractors? Insurance guaranteeis a solution that enhances your business credibility and allows you to grow your operations without tying up company capital.

At the multi-agency JUMAX, we help entrepreneurs quickly obtain insurance guarantees from trusted insurers. This way, you can safely execute contracts and meet the formal requirements set by investors, authorities, or public institutions.

Insurance guarantees

Comprehensive contract protection, secure contracts, and greater business opportunities through insurance guarantees

Running a business often involves the need to secure obligations towards contractors, public institutions, or investors. In many industries – especially construction, manufacturing, or services – it is required to present an appropriate form of financial security before signing a contract or participating in a tender.

One of the most commonly used solutions isinsurance guarantees, which allow confirming the company's credibility and simultaneouslynot blocking its financial resources.

Our experts assist entrepreneurs in quickly obtaining insurance guarantees tailored to the specifics of their business from reputable insurance companies.

As a result, your company can:

• participate in public and private tenders

• execute large contracts

• increase business credibility

• maintain financial liquidity.

Insurance guarantees for companies - tender, contractual, and financial

Insurance Guarantee Pages

Each guarantee involves three parties:

• Applicant for the guarantee – the entrepreneur who applies for the guarantee and whose obligations are secured by the guarantee.

• Beneficiary of the guarantee – the entity that receives the security – entitled to receive funds in case the applicant fails to meet their obligations. Most often, this is: investor, client, contractor, office, or public institution.

• Guarantor – the insurance company that provides the guarantee and commits to pay out funds in case the entrepreneur fails to meet their obligations.

Who are insurance guarantees intended for?

Entrepreneurs conducting business in Poland can benefit from guarantees, including:

• sole proprietorship (JDG)

• civil partnership, limited liability company.

• joint-stock company, simple joint-stock company.

• limited partnership, limited joint-stock partnership.

A condition for obtaining a guarantee is, among others, timely settlement of obligations, appropriate financial capacity, and establishing the required securities under the guarantee agreement.

How much does an insurance guarantee cost?

The cost of the guarantee depends on several factors, such as:

• the value of the contract

• the duration of the guarantee

• the financial situation of the enterprise

• the type of guarantee

Most often, the premium starts at 500 PLN.

Key information about insurance guarantees

Conditions for obtaining a guarantee

To obtain an insurance guarantee, the entrepreneur should:

• conduct business in Poland

• timely settle obligations to contractors, offices, financial institutions, and public institutions

• have the financial capacity to fulfill obligations

• establish the required securities in case of guarantee execution

At the JUMAX multi-agency, we help prepare documents and navigate the entire process of obtaining a guarantee efficiently and without unnecessary bureaucracy.

What is an insurance guarantee?

Insurance guarantee is the obligation of an insurance company to pay a specified amount of money to the beneficiary of the guarantee (e.g., an investor, a government agency, or a contractor) in the event that the entrepreneur (the applicant) fails to meet their obligations arising from the contract or legal regulations.

In practice, this means that the insurer (the guarantor) takes on the financial responsibility for a specific obligation of the entrepreneur.

As a result:

• the investor or contractor receives financial security – a guarantee of financial safety,

• the entrepreneur can execute contracts without tying up their own financial resources,

• the entrepreneurincreases their credibility in the market and gainsa competitive advantage,

• the company can executea greater number of contracts with out freezing large financial resources.

Quick bidding, contractual, and financial guarantees for entrepreneurs

Types of insurance guarantees

As part of cooperation with the JUMAX insurance multi-agency, entrepreneurs can obtain a wide range of guarantees tailored to the needs of businesses across various industries and types of activities.

Contract guarantees

Contract guarantees are most often required for the execution of contracts, investments, and public and private tenders.

They include, among others:

• bid bond guarantee (tender guarantee) – security of the bid deposit required during the tender process
• performance bond (proper performance of contract guarantee) – confirmation of reliable execution of the contract
• advance payment guarantee – security of funds transferred before the execution of the investment
• defects liability guarantee – security for repairs during the warranty or defect liability period

Financial and legal guarantees

• customs debt payment guarantees
• excise guarantees
• deposit guarantees
• environmental guarantees

What obligations can insurance guarantees secure?

Insurance guarantees can secure both one-off and recurring obligations.

• One-off obligations – most often relate to a single contract or a specific tender, e.g. a single construction contract or one public tender, as well as the execution of an investment.
• Recurring obligations – relate to business operations that are repeated regularly, e.g. customs operations carried out regularly by a company, such as customs debt payment guarantees, excise obligations, import and export operations

Forms of cooperation in guarantees – flexible solutions for companies

• Single guarantee – simplified procedure

An ideal solution for a single contract or tender. Most often used for one-off projects, e.g.: bid bond (tender guarantee), performance bond, performance and defects liability guarantee.

• Insurance guarantee limit agreement

A solution intended for companies that regularly use guarantees and execute multiple contracts.

Under one agreement (one limit), it is possible to issue subsequent contract guarantees without the need for financial analysis each time (excluding advance payment guarantees), which significantly speeds up the process for subsequent investments. Benefits of guarantees within the limit: faster issuance of guarantees, fewer formalities, greater business flexibility.

Nature of an insurance guarantee

Insurance guarantees may have different legal characteristics. In each case, the guarantor’s liability relates strictly to the specific purpose and scope of the guarantee.

• Conditional guarantee – payment of funds occurs after meeting specified conditions and submitting the appropriate documents.
• Unconditional guarantee – payment is made on first demand of the beneficiary, in accordance with the terms of the guarantee. The most preferred form of security by investors.

Contract guarantees – securing the performance of agreements

Insurance guarantees for companies - tender, contractual, bid, and proper performance. Fast procedure, competitive terms.

Contract guarantees are most commonly used in the implementation of investments, construction projects, and commercial contracts. Their purpose is to ensure the proper execution of obligations arising from the agreement between the contractor and the client.

The most commonly used types of contract guarantees are:

• bid bond guarantee – submitted at the stage of the tender process, protects the client from a situation where the bidder: withdraws the offer, refuses to sign the contract, does not provide the required performance bond. Thanks to the bid bond guarantee, the entrepreneur does not have to block financial resources in a bank account.

• guarantee of proper contract performance – secures the proper execution of the contract, assures the investor that the contractor will fulfill the contract according to the terms specified in the agreement. It is very often required in: the construction industry, infrastructure projects, public contracts.

• advance payment guarantee – protects the investor in the event of an advance payment to the contractor, secures the financial resources provided to the contractor before the contract execution begins. If the contractor fails to fulfill the agreement, the investor can recover the funds provided.

• guarantee for the removal of defects and faults – secures the warranty or guarantee period after the work is completed, applies during the warranty or guarantee period after the completion of the investment. It ensures that the contractor will remove any defects or faults that arise during the use of the investment.

• guarantee of proper contract performance and defect removal – combines the two above-mentioned guarantees into one document.

Contract guarantees allow entrepreneurs to participate in tenders and carry out large investments without the need to engage their own financial resources as collateral.

In addition to contract guarantees, entrepreneurs can also utilize other types of securities.

Financial and administrative guarantees

Customs and excise guarantees

They are used by entrepreneurs conducting business related to international trade or the production of goods subject to excise duty. They most often include:

• customs debt payment guarantees – required for import and export activities, they secure obligations towards customs authorities and facilitate the conduct of trade operations.

• excise guarantees – guarantees securing excise obligations, used in industries subject to excise tax, such as: fuels, alcohol, tobacco products.

Thanks to such guarantees, an entrepreneur can carry out customs operations or excise-related activities without the need to provide cash deposits. A single guarantee amount can secure multiple business operations performed on a recurring basis.

Deposit guarantees

They constitute an alternative to cash deposits required by institutions or counterparties.

Environmental and administrative guarantees

Certain types of activities require obtaining administrative permits and establishing financial security in case of environmental damage. Environmental guarantees are required in activities related to waste management or environmental protection.

Environmental guarantees may include, among others:

• security for waste removal costs,

• security for environmental damage,

• security required to obtain administrative decisions or licenses.

These types of guarantees allow entrepreneurs to meet statutory requirements and obtain the necessary permits to conduct their business.

Guarantees of payment and security of financial obligations

Insurance guarantees can also secure the payment obligations of companies towards contractors.

They most often concern:

• payment for services rendered or supplies,

• payment for construction work,

• payment of rent or other contractual obligations.

Thanks to the guarantee, the beneficiary is assured of receiving their dues in the event of the entrepreneur's failure to fulfill their payment obligation.

Why are insurance guarantees so important in business?

The modern market is based on trust and financial security. Investors and public institutions must be certain that a company executing a project will fulfill its obligations. Insurance guarantees are one of the most important tools securing the obligations of enterprises in a modern economy. Thanks to them, companies can develop their business and compete for larger projects without the need to block their own financial resources.

Bid bond guarantee (tender guarantee)

This is one of the most commonly used guarantees in the activities of companies participating in tenders organized both under public procurement law and outside of it. It is used during the tender procedure and replaces a cash bid deposit. If the entrepreneur:

• withdraws the offer
• refuses to sign the contract
• fails to provide contract security

the insurer will pay a specified amount to the benefit of the tender organizer.

Benefits for the company

• ability to participate in multiple tenders simultaneously
• no need to block own funds
• greater chance of winning a contract and signing an agreement.

Performance bond (proper performance of contract guarantee)

This guarantee secures the proper execution of a contract. If the contractor fails to fulfill the contract or performs it improperly, the beneficiary may pursue claims under the guarantee. It is most commonly used in:

• construction projects
• infrastructure investments
• public procurement.

Defects liability guarantee

A defects liability guarantee is a type of insurance guarantee that applies after the completion of a contract, covering the warranty or defect liability period, and protects the beneficiary in case the contractor fails to remedy defects. If the contractor does not remove defects within the specified time, the beneficiary may use the guarantee and obtain payment to cover repair costs. A defects liability guarantee is issued under a limit agreement and only after the parties have signed the final acceptance protocol.

Performance and defects liability guarantee

This solution combines two guarantees:

• performance bond
• defects liability guarantee.

Thanks to this, the contractor provides full security both during the execution of the investment and after its completion.

Advance payment

guaranteeIn many projects, the investor provides the contractor with an advance payment to start the work. This guarantee secures the return of the advance if the contractor fails to complete the contract.

Environmental guarantees (Article 48a of the Waste Act)

Environmental guarantees are a type of insurance guarantee used in activities related to environmental protection and waste management, securing the interests of the beneficiary in case the entrepreneur fails to meet their obligations. An example is a waste removal guarantee, which covers the cost of removing waste if the entrepreneur does not fulfill their obligations, including substitute performance costs, in accordance with Article 48a(1) and (1a) of the Waste Act of 14 December 2012.

Concession guarantees

Concession guarantees play a key role in business, as they enable companies to obtain the required permits and licenses in regulated industries, while also providing security for administrative authorities in case the entrepreneur fails to meet their obligations. In practice, an insurance guarantee protects against financial consequences related to environmental damage remediation, waste disposal, or restoring land to its original condition, and is also necessary when obtaining licenses for fuel trading. Thanks to this, insurance guarantees increase a company’s credibility, help meet legal requirements, and allow safe business operations.

An insurance guarantee therefore performs several very important functions

• Protection of the investor’s interests – the investor is assured that if the contractor fails to fulfill the contract, they will be able to recover financial resources.
• Enhancing the company’s credibility – a company holding an insurance guarantee is perceived as more financially stable and professional.
• Facilitating participation in tenders – many public or private tenders require a bid bond or contract performance security.
• Maintaining the company’s financial liquidity

The greatest advantage of guarantees is that they do not require blocking cash funds, unlike deposits or collateral.

Small Contractual Guarantees – a quick solution for smaller businesses

A special solution for small and medium-sized enterprises is the Small Contract Guarantees.

The offer is aimed at companies:

• whose revenue in the last financial yeardid not exceed 5 million PLN,

• that have been operating for at least 1 year,

• also for companies settling their accountson a lump-sum basis.

This solution has been created with entrepreneurs in mind who need a quick and simple procedure to obtain a guarantee.

The main advantages of Small Guarantees

By opting for Small Contract Guarantees, your company can count on a very simplified process.

The key benefits:

• a decision on granting a limit of up to 500,000 PLN within one working day

• an offer prepared based on the application – without additional documents

• no fee for granting the limit

• no need to establish collateral

• the guarantee project available within one working day

This solution significantly speeds up participation in tenders and the execution of contracts.

How to obtain a Small Contract Guarantee?

The procedure is very simple and consists of several steps:

1. Submitting an application for a guarantee limit – the company's situation is analyzed based on the application.

2. Decision within one working day – the insurance company issues a decision on granting the limit.

3. Signing the agreement – after accepting the terms, the guarantee agreement is signed.

4. Preparing the guarantee project – you receive the draft of the guarantee document within one working day.

5. Paying the premium – after paying the premium, the guarantee is issued.

Tender guarantee – how to quickly obtain a bid bond for the tender

Quick bid bond guarantee for companies participating in tenders

Participation in public and private tenders is one of the most important ways for many businesses to acquire new contracts and grow. However, most tender procedures require the submission of a bid bond, which secures the tender organizer in case the bidder fails to fulfill their obligations.

One of the most convenient forms of submitting a bid bond is a tender guarantee, also known as a bid bond guarantee.

Instead of blocking financial resources in a bank account, a business can present a guarantee document issued by an insurance company. This solution allows the company to maintain financial liquidity while meeting all formal tender requirements.

The insurance multi-agency JUMAX helps entrepreneurs quickly obtain a tender guarantee from reputable insurance companies.

As a result, your company can:

• participate in multiple tenders simultaneously

• not block capital

• increase its chances of securing new contracts.

What is a tender guarantee?

A tender guarantee is a form of bid bond security, which involves a financial institution—most often an insurance company—committing to pay a specified amount to the tender organizer in case the bidder fails to meet their obligations.

This guarantee is used in tender procedures conducted both:

• in accordance with the Public Procurement Law

• and in private tenders.

In practice, this means that instead of depositing the bid bond in cash, the company presents an insurance guarantee document.

How does a tender guarantee work?

The mechanism of how a tender guarantee works is relatively simple but very effective from the perspective of the investor's financial security.

Three parties are involved in the process.

The applicant – is the company participating in the tender that needs the guarantee as a bid bond.

The beneficiary – the tender organizer, who receives the security in the form of a guarantee.

The guarantor – the insurance company that commits to pay a specified amount if the bidder fails to fulfill their obligations. When can the tender organizer utilize the guarantee?

The tender organizer can file a claim under the tender guarantee in specific situations.

Most often, these are cases when the contractor:

• withdraws the offer after the deadline for submitting bids

• refuses to sign the contract

• fails to provide the security for proper contract execution

• does not meet other conditions specified in the tender documentation.

• Why is a tender guarantee better than a cash bid bond?

Many companies still use cash bid bonds via bank transfers; however, an increasing number of businesses are opting for insurance guarantees.

The main advantages of a tender guarantee

No blocking of financial resources

• With a cash bid bond, a company must freeze funds in a bank account. A tender guarantee helps avoid this situation.

The ability to participate in multiple tenders simultaneously

• If a business is participating in several tenders, the bid bond may require a substantial amount of financial resources. An insurance guarantee significantly increases the company's capabilities.

Improved financial liquidity

• Financial resources can be allocated for business development, purchasing materials, or executing other projects.

Greater credibility of the company

• A guarantee issued by a reputable insurance company confirms the financial stability of the business.

How much does a tender guarantee cost?

The cost of a tender guarantee depends on several factors.

The most important of these are:

the value of the bid bond

• the term of the guarantee

• the financial situation of the business

• the industry of operation.

• In practice, the cost of a tender guarantee starts from 500 PLN.

Who can obtain a tender guarantee?

Various forms of business activity can benefit from a tender guarantee.

Most commonly, these are:

• sole proprietorships

• civil partnerships,

• limited liability companies, joint-stock companies, limited partnerships.The condition is that the business is operational and has the appropriate financial capacity.

Small tender guarantees – a quick solution for smaller companies

For businesses with a smaller scale of operations, so-called Small Contract Guarantees are available.

This offer is aimed at companies:

whose annual revenues do not exceed

• whose annual revenues do not exceed 5 mln PLN

• that conduct business for at least 1 year

• also settling accounts on a lump-sum basis.

The biggest advantage of this solution is the very fast procedure.

The most important benefits

• decision on the limit even within one working day

• maximum limit up to 500 000 PLN

• no fee for granting the limit

• no need to present additional documents

• no collateral.

How to obtain a bid guarantee step by step?

The process of obtaining a bid guarantee is relatively simple, especially with the support of an experienced multi-insurance agency.

Step 1 – analysis of the company's needs

Initially, the value of the deposit and the conditions of the tender are determined.

Step 2 – submitting an application

The entrepreneur submits an application for the guarantee.

Step 3 – assessment of financial situation

The insurance company analyzes the financial capacity of the company.

Step 4 – signing the contract

After a positive decision, a guarantee agreement is signed.

Step 5 – issuing the guarantee

After paying the premium, the guarantee document is issued.

How long does it take to obtain a bid guarantee?

In many cases, a guarantee can be obtained even within one working day, especially if the company already has a guarantee limit.

Bid guarantee vs other contractual guarantees

The bid guarantee is just one element of securing contracts. After winning the tender, further guarantees are often required.

Most often, these are:

• guarantee of proper contract performance

• guarantee of advance payment return

• guarantee for the removal of defects and faults.

The most important benefits of insurance guarantees

Insurance guarantees bring benefits to both the entrepreneur and their contractor.

Benefits for the entrepreneur (applicant):

• no need to freeze their own financial resources, e.g., in the account of a state or local government authority

• the ability to participate in multiple tenders simultaneously, e.g., public and private tenders

• no burden on credit limits at the bank

• strengthening and increasing the company's financial credibility.

• no need to block financial resources as with a deposit

• greater capacity to execute multiple contracts at the same time

• increased credibility of the company in the eyes of investors

• greater chance of winning tenders

• improvement of the company's financial liquidity

• greater opportunities for business development.

Benefits for the investor or contractor (beneficiary):

• certainty of securing obligations arising from the contract

• guarantee of payment of a specified amount in case of non-performance of the contract

• assessment of the contractor's credibility by a financial institution

• financial security for the execution of the agreement/contract

• guarantee of financial safety

• quick possibility of pursuing claims

• security for the execution of the contract

• greater certainty of cooperation with the contractor

• minimization of investment risk

• possibility of pursuing claims in case of issues.

Most Common Mistakes Made by Entrepreneurs

In practice, companies often make several mistakes when using guarantees.

• Lack of a prior guarantee limit – mcan extend the process of obtaining a guarantee during an important tender.

• Too late to start the procedure – csometimes entrepreneurs apply for a guarantee just before the tender deadline.

• Underestimating the value of the guarantee – mcan lead to formal issues during the tender.

Why is it worth choosing JUMAX insurance multiagency?

Obtaining an insurance guarantee often requires proper financial analysis and document preparation.

Experts from the multi-agency JUMAX help entrepreneurs navigate the entire process quickly and safely, securing insurance guarantees efficiently and on favorable terms. The JUMAX multi-agency supports entrepreneurs at every stage of this process.

Our advantages:

• collaboration with many reputable insurance companies

• we help select the most advantageous guarantee for your company

• individual analysis of client needs

• we ensure quick decisions and minimal formalities

• rapid analysis of guarantee acquisition possibilities

• quick procedure for obtaining guarantees

• assistance in document preparation

• tailoring guarantees to contract/tender requirements

• comprehensive service for businesses

• we support clients throughout the entire process – from needs analysis to guarantee issuance

• support at every stage of the procedure,

• individual approach to each company.

Thanks to this, our clients can focus on business development while leaving formalities and paperwork to the specialists.

Do you need an insurance guarantee for a tender or contract?

Contact us and find out how quickly your company can obtain an insurance guarantee.

How to obtain an insurance guarantee

The process of obtaining a guarantee involves several basic steps:

• Submitting an application for the guarantee.

• Providing financial documents and information about the contract.

• Risk analysis and assessment of the entrepreneur's financial capacity.

• Signing the guarantee agreement.

• Establishing collateral and paying the premium.

• Issuing the guarantee document for the beneficiary.

The conditions and form of collateral are determined individually depending on the type of guarantee and the entrepreneur's financial situation.

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Frequently Asked Questions and Answers

Insurance Guarantee – What is it?

An insurance guarantee is the Guarantor's obligation to pay a specified sum of money to the Beneficiary of the guarantee at their request; granting the guarantee does not relieve the entrepreneur of liability in the event of non-performance or improper performance of the obligation towards the Beneficiary, and in the case of a payout from the guarantee, recourse is initiated.

Is an insurance guarantee an insurance?

No. An insurance guarantee is not an insurance contract. It is a form of securing obligations arising from a contract or legal regulations.

Does the insurance guarantee block the entrepreneur's financial resources?

No. Unlike a cash deposit or collateral, an insurance guarantee does not block the company's capital, which allows maintaining financial liquidity.

How long does it take to obtain a guarantee?

In many cases, a guarantee can be obtained within a few days, especially if the company already has a guarantee limit.

How long is the insurance guarantee valid?

The validity period of the guarantee depends on the type of secured obligation. It can cover the tendering stage, contract execution, or the warranty and guarantee period after the work is completed.

Can small businesses obtain an insurance guarantee?

Yes. Both large enterprises and small businesses or sole proprietorships (JDG) can benefit from the guarantee.

Is a guarantee required in public tenders?

In most public tenders, it is required to submit a bid bond or security for contract performance – specifically in the form of a guarantee or cash deposit.

Is a bid guarantee mandatory?

Not always, but in most tenders, a bid bond is required, which can be submitted in the form of a guarantee.

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